vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2025, I received an email from XXXX XXXX XXXX  that some was trying to apply for a new credit card. I called XXXX XXXX on XX/XX/2025 and filed a fraud claim. 

I then tried to access my Credit Bureau accounts and I found out that someone was able to change the email address and phone number of the Experian account without me knowing it. I tried resetting my information online, but Experian wouldn't allow me access. They showed a different email and phone number with my information. I tried calling Experian several time, but the automated AI refused to transfer to a live person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One closed both my Quicksilver personal card and Spark business card. The closure was due to several returned payments on my Quicksilver card, which were caused by payments being drafted from the wrong bank account. Each time, I corrected the payment immediately from the correct account.

My Spark business card never had returned payments, yet it was also closed. I contacted Capital One multiple times, inc
luding speaking with a manager named XXXX, but was told I could not escalate further. 

I am requesting that Capital One reinstate both accounts so I can continue building my personal and business credit history.

Account numbers : Quicksilver account ending in XXXX and Spark business account ending in XXXX. 
XXXX ( last XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed XXXX XXXX XXXX on my credit report. I have not had any dealings with this company. I do not recognize this account, nor did I authorize it. This appears to be the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Auto Finance Co
State: PA

Complaint narrative:
Unauthorized use of my credit card report with unauthorized 2nd and 3rd parties with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
I am submitting this complaint regarding LJ Ross Associates and their reporting of a XXXX XXXX debt. 

I do not recall the exact date, but I contacted LJ Ross Associates by phone to set up a payment arrangement on a debt originally stated as approximately {$1700.00}. During that call, I was given the clear impression that, since I had agreed to a payment plan, the account would not be reported as a collection. The arrangement was to begin on XX/XX/year>, with monthly payments of about {$220.00} for XXXX months, totaling approximately {$1500.00}. 

Despite this, the account has been reported as a collection, causing my XXXX XXXX to drop by XXXX points. I had been making significant progress in rebuilding my credit my score had reached the XXXX but now it has fallen back into the XXXX. This is extremely discouraging and has caused me financial and emotional stress. 

Additionally, the balance being reported is inaccurate. LJ Ross Associates has listed the debt as {$1700.00}, when the agreed total was {$1500.00} under the payment arrangement. 

I am a single mother supporting XXXX children and living paycheck to paycheck. I entered into this payment plan in good faith, with the understanding that I was taking the right steps to resolve this debt responsibly. Instead, I feel misled and unfairly penalized. 

I respectfully request that : XXXX. The reported balance be corrected to reflect the accurate amount. 
XXXX. LJ Ross Associates address the misleading information provided at the time of the payment arrangement. 
XXXX. The credit reporting impact be reviewed and remedied appropriately. 

I would appreciate the CFPBs assistance in resolving this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am writing to formally dispute an account currently listed on my credit report that I believe to be inaccurate and unverifiable. The account, originally from XXXX XXXXXXXX XXXX. 

This account is being reported inaccurately for the following reason ( s ) : The balance is incorrect and the address can not be verified.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which grants me the right to dispute any information I believe to be inaccurate or incomplete. I am also exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires that any debt collector provide written validation of a debt upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax, Transunion, and Experian are knowingly reporting the following fraudulent accounts on my credit report. I have informed them that these items were fraudulently created using my personal information, yet they are still reporting these accounts. 

XXXX XXXX XXXX XXXX  Account Number XXXX Amount {$6200.00} XXXX  Amount Number None listed, Amount {$1300.00} I, XXXX XXXX writing to formally dispute and request the immediate blocking of fraudulent accounts and information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). Under FCRA Section 605B, you are legally required to block and remove this fraudulent information from my credit file within 4 business days of receiving this notice and supporting documentation.

Under FCRA Section 605B, you are legally required to block and remove this fraudulent information from my credit file within 4 business days of receiving this notice and supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, Transunion, and Experian are knowingly reporting the following fraudulent accounts on my credit report. I have informed them that these items were fraudulently created using my personal information, yet they are still reporting these accounts. 

XXXX XXXX XXXX XXXX  Account Number XXXX Amount {$6200.00} XXXX  Amount Number None listed, Amount {$1300.00} I, XXXX XXXX writing to formally dispute and request the immediate blocking of fraudulent accounts and information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). Under FCRA Section 605B, you are legally required to block and remove this fraudulent information from my credit file within 4 business days of receiving this notice and supporting documentation.

Under FCRA Section 605B, you are legally required to block and remove this fraudulent information from my credit file within 4 business days of receiving this notice and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/year> I added my XXXX XXXX card onto XXXX XXXX so I can tap to pay in stores. When I added the card it said I have to verify with bank, I called XXXX XXXX around XXXX and spoke with someone to verify my identity so I can official have the card on XXXX XXXX. The XXXX minute phone call had me verify my info and I was directed to email XXXX with my name, a picture of my ID, & my case number which is XXXX. I was told the process after emailing the above info takes XXXX hours to complete. Around XXXX XX/XX/year> I received a email confirming that my ID verification was approved and to call the number on the back of my card. I attempted to do so and waited for someone to answer for about XXXX minutes, I winded up hanging up because it was around XXXX now and assumed the bank is closed. After I hung up the call I attempted to sign into my XXXX XXXX app and it pops up a screen that says card status is unavailable and to call the same number thats on the back of the card. I also tried swiping my card for a purchase at a gas station that same night and it was declined at the store. I did not know my card was going to be locked and I wont have access to my account. XX/XX/XXXX XXXX I have spent XXXX hours and counting calling and waiting on hold for someone to answer. I dont understand how my ID was approved and everything is locked, my card is still not verified on XXXX XXXX. This is extremely frustrating. Attached I added a file with photos of the emails on XX/XX/year>, the screen that appears when I try to sign into my bank account, & so far all the call history trying to get in touch with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
I had a checking account with Charles Schwab containing approximately {$1200.00} of my own funds. In XX/XX/2024, I received a fraudulent job offer in the mail related to a car wrap advertisement ( claiming to be from XXXX XXXX ). The scam involved mailing me a check and instructing me to deposit it, then withdraw the funds to give to a third party. 

I did deposit the check, but I immediately became suspicious and did not withdraw, spend, or transfer any of the funds. Despite this, Schwab froze and closed my account. As a result, my original {$1200.00} ( which I had before the scam check ever arrived ) has been withheld for more than 8 months. 

I have made more than XXXX phone calls to Schwab and spoken with multiple representatives and managers both by phone and in person. XXXX of the managers I spoke with by phone was XXXX XXXX at XXXX, extension XXXX. I also visited a Schwab branch, bringing proper identification and my trusted contact listed on the account. Despite verifying my identity, Schwab representatives told me there was " nothing they could do. '' On one call, I was told that my money was " as good as gone. '' The account freeze has caused additional harm : My credit card was linked to this checking account for automatic payments. When Schwab froze my account, those payments were declined, damaging my credit score.

I struggled to pay urgent obligations, including a speeding ticket, because all of my funds were locked.

I have received multiple letters from Schwab, none of which addressed the return of my funds.

I have experienced ongoing financial hardship as a direct result of Schwabs actions.

It has now been over 8 months with no resolution or explanation provided by Schwab.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I am a victim of identity theft, and I have no knowledge of this that is reporting on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: IL

Complaint narrative:
I am asking for help to get my BMG Money loan back on track. 

In XX/XX/XXXX I was on medical leave without pay and in financial hardship. I still sent payments when financially possible from XX/XX/XXXX until I returned to work and restarted my allotment on XX/XX/XXXX, but the balance did not go down. 

I live in Illinois. I was on medical leave ( LWOP ) from XX/XX/XXXX to XX/XX/XXXX. My allotment stopped and I fell behind. Since returning, I pay {$170.00} on the due date ( my note says {$150.00} ) and automatic debit payment of {$25.00} every XXXX weeks to reduce the past-due. 

As of XX/XX/XXXX my dashboard shows : Past-Due {$1100.00} and XXXX {$7800.00}. In XXXX, {$170.00} payments posted to interest only ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The {$25.00} on XX/XX/XXXX went {$15.00} to interest and {$10.00} to a late fee. {$0.00} went to principal. 

Facts from my transactions : From XX/XX/XXXX to now, I paid {$2200.00}. Only {$38.00} reached principal ; {$2200.00} went to interest/fees. 

During my leave ( XX/XX/XXXX to XX/XX/XXXX ) I still paid {$1600.00}. Only {$38.00} hit principal ; {$1600.00} did not reduce the balance. 

Prior calls ( before XX/XX/XXXX ) : I was told there is no hardship plan. On a later call I was told I am XXXX days past due and that per-diem interest is about $ XXXX until the past-due is paid in full ( $ XXXX ), which is about what I can send, so nothing reaches principal. 

I am not trying to walk away from the debt. I want a simple plan where each on-time payment lowers the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed a charge from XXXXXXXX XXXX XXXX Capital One credited my account, which reflected immediately in my current balance. However, without notice, Capital One then placed a hold on my available credit until the dispute is completed. 

This contradicts the Fair Credit Billing Act ( FCBA ), which protects consumers from being penalized during an active dispute. I am now deprived of access to my funds even though the credit was acknowledged. 

I have spoken with multiple supervisors and the Dispute/Fraud department. Each insists this hold is standard practice. Representatives have also hung up on me multiple times when I attempted to record calls ( which is legal in Texas under one-party consent laws ) or even when I agreed to stop recording. More recently, when I demanded escalation, I was placed on hold for XXXX minutes, then disconnected. On calling back, I was again put on hold and disconnected, preventing me from receiving proper support. 

This is not the first time Capital One has caused me financial harm with unnecessary account restrictions. In XXXX, they repeatedly placed seven-day holds on cleared payments made from my XXXX account XXXX preventing me from accessing funds I needed for rental cars to work and contributing to my eviction. 

Requested Resolution : Immediate restoration of my available credit during the dispute. 
Written confirmation that Capital One is complying with the Fair Credit Billing Act regarding disputed charges. 
Review of policies and customer service practices that result in unnecessary financial harm, including obstructive hang-ups and retaliatory behavior. 

Supporting Evidence : Screenshots of current balance showing refund posted vs. XXXX available credit. 
Record of calls with supervisors and Dispute/Fraud department XXXX 
XXXXimeline of past repeated policy holds on cleared payments ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the accuracy of a collection account that appears on my credit report. Below are the details as they appear : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$6900.00} Date Opened : XX/XX/year> Date Reported : XX/XX/year> I believe this entry contains inaccurate or incomplete information for the following reasons : 1. The Date Opened appears inconsistent with the original delinquency, suggesting possible re-aging of the debt.

2. The reporting lists XXXX XXXX XXXX XXXX as both the collector and the original creditor, which does not provide clear and accurate information about the true original creditor.

3. The balance of {$6900.00} may include unverified fees or charges not permitted under the original agreement. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account. If the furnisher of this information can not provide proper verification, this account must be removed from my credit report. 

Please provide me with the results of your investigation in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I submitted the complaint on XXXX for the company reported the wrong payment to my credit card company more than 3 times without providing any proof that I authorized the payments from XXXX 
And I checked my email and checked the company responded today, the company said : << On XX/XX/XXXX, XXXX XXXX activated their account with one voice line ending in XXXX and was subscribed to our XXXXXXXX XXXX rate plan for {$95.00} per month, taxes and fees included. They alsc activated one XXXX XXXX XXXX  ending in XXXX and subscribed to our XXXX XXXX XXXX XXXX rate plan for {$15.00} per month, taxes and fees included. XXXX XXXX also subscribed to the option Protection XXXX Tier XXXX feature for {$7.00} per month plus applicable taxes on the line ending in XXXX I activated my account with one line ending in XXXX ( my phone number XXXX ) this is correct and I already paid in full about this line. But I never activated mobile internet line ending in XXXX, I never knew this phone XXXX, any payment under this phone number is not from me, because this phone number is not belong to me or not belong to anyone I knew. 
As I said I called the XXXX customer service in XX/XX/XXXX, the agent ( the guy ) told me the payment is under the XXXX XXXX monthly fee. 
And the company called me on XX/XX/XXXX, I forget exactly date, the representative ( one lady ) told me this is cancelation fee, ( the company could provide this evidence if theres phone recording ). And now the company responsed this payment is under the phone XXXX, Why you guys talked so different in every-time I can assume that you have no idea what this payment is?

Company response to consumer: Closed with non-monetary relief