vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: MD

Complaint narrative:
Formal Complaint FCRA Violations and Intent to Pursue Legal Action Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Repeated FCRA Violations Regarding Inaccurate Reporting of XXXX Account ( s ) To Whom It May Concern, I am formally demanding action regarding the XXXX XXXX accounts ( ending in XXXX and XXXXXXXX XXXX XXXX ) that continue to be reported inaccurately by your agencies despite multiple disputes submitted since XXXX. 

The following issues constitute serious violations of the Fair Credit Reporting Act ( FCRA ) : 1. The XXXX account has been * * paid or settled * *, yet your agencies continue to report it with * * derogatory statuses such as charge-off and collection * *, and in some cases, leave collection markings in the payment history. 

2. * * Experian falsely states that an investigation is complete * *, but the results remain inaccessible or show as still pending within the user portal. This misleads consumers and obstructs due process. 

3. All three bureaus have failed to : - Provide any * * verification documents * * ( as required under FCRA 609 ( a ) ( 1 ) ) ; - Explain the * * method of verification * * ( FCRA 611 ( a ) ( 7 ) ) ; - Ensure * * accuracy and completeness of the account * *, which continues to misrepresent the account status ( FCRA 1681e ( b ) ) ; - Properly delete or correct the item after multiple disputes ( FCRA 611 ( a ) ( 1 ) and 1681i ( a ) ( 5 ) ( A ) ).

These actions not only violate federal law but also constitute harmful negligence that has impacted my creditworthiness and financial stability. Your failure to act in good faith constitutes * * willful noncompliance under FCRA 1681n * *, and I am preparing to escalate this matter legally.

Demand for Immediate Action : I am requesting that all three credit bureaus : - Immediately delete the XXXX account ( s ) from my credit file ; - Confirm in writing that the item has been corrected or deleted. 

Failure to comply will result in : - A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) ; - Civil action against your agency for willful FCRA violations, including statutory and actual damages. 

This is your final opportunity to correct these errors before legal action is initiated. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'XXXX XXXX XXXX\nCapital One, N.A. \nAttn: Customer Service  Billing Disputes\n XXXX XXXX XXXX\n XXXX XXXX XXXX,\n UT XXXX\n\nXXXX  Attempt - Inquiry XXXX XXXX\nCase No. XXXX\nCFPB Case No. XXXXnDear Customer Service Team,\nI am writing to follow up on my XXXX XXXX XXXX  inquiry seeking specific account information under my rights pursuant to the Fair Credit Billing Act (FCBA), 15 U.S.C.  1666, the Truth in Lending Act (TILA), 15 U.S.C.  1601 et seq., and the Electronic Fund Transfer Act (EFTA), 15 U.S.C.  1693 et seq.\nAs of today, a response had been issued on XXXX XXXX XXXX, but merely summarized a separate matter (that was not answered) and failed to address my specific questions.\nThis letter constitutes my XXXX attempt. I am not requesting regular monthly statements. I require:\n\tA complete, itemized breakdown of all charges, payments, fees, and interest assessed to my accounts since account opening including credit balances and when they were generated.\nTo facilitate your search, my identifying information is as follows: \nName: XXXX  XXXX XXXX XXXXz\nDate of Birth: XXXX\nAccount Numbers:\n  XXXX XXXX XXXX XXXX \n XXXX XXXX XXXX XXXX \n XXXX XXXX XXXX XXXX  \n XXXX XXXX XXXX XXXX\nAdditionally, I formally request a complete copy of every contract, agreement, or legally binding document I have executed with Capital One for any product or service I maintain, including but not limited to:\n\tCredit card agreements (initial and any amendments)\n\tLoan agreements\n\tTerms and conditions or disclosures presented during account setup\n\tAny subsequent modifications, addenda, or updated terms\nUnder the FCBA and TILA, I am entitled to timely, accurate, and substantive responses to billing and credit inquiries. Should your failure to provide this information cause any discrepancy in my credit reporting, you may also be in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\nPlease treat this as my final pre-complaint notice. If I do not receive a complete response within XXXX  business days, I will have no choice but to:\n1.\tFile a formal complaint with the Consumer Financial Protection Bureau.\n2.\tPursue all available legal remedies to enforce my rights under federal consumer protection laws.\nFor clarity and accountability, please include the name and direct contact information of the representative assigned to handle my request. I appreciate your prompt attention and expect full compliance with the FCBA, TILA, EFTA, and related statutes.\nSincerely,\nXXXX XXXX XXXX XXXX\nCc: Consumer Financial Protection Bureau (for notice of potential complaint)'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I discovered that my TD Bank account had been closed without prior notice. I visited the XXXX, NJ branch to ask for an explanation and access to my remaining funds ( about {$130.00} ), but the staff member was dismissive, hostile, and blamed me instead of helping. I never authorized any withdrawals and had kept the account untouched with a balance above {$100.00}, as advised when I first opened it. I emailed XXXX XXXX on XX/XX/XXXX asking for an explanation and a refund but received no response. I feel disrespected and unfairly treated, and I am requesting a formal investigation, accountability for the employees conduct, and a full refund of the missing amount. 

* I can provide a copy of the email I sent to the bank upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One signaled that they would be able to upgrade my QuicksilverOne card to a Quicksilver. Upon accepting the upgrade, they changed my Savor credit card to a Quicksilver card, which is a worse card with fewer rewards. After calling Capital One, I spoke to a representative who said it could not be undone or changed to the Savor again. I spoke to the supervisor who then said I was not eligible to change it back to the Savor card even though it had been previously a Savor card and they misrepresented the " upgrade ''. After attempting to work with her and being very patient, I asked to speak to her supervisor, she said I was not allowed to talk to anyone else at the Company and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally report a fraudulent account that was opened in my name by Portfolio Recovery on XX/XX/year>, in the amount of {$1500.00}. I have no knowledge of this account and did not authorize its opening. Despite my efforts to dispute this matter with all three major credit bureaus, the account remains on my credit report and has since been sent to collections. I have repeatedly requested documentation proving that I opened this account, but no such evidence has ever been provided. I have clearly stated that this account is fraudulent and not mine, yet the issue remains unresolved. I am requesting immediate investigation and removal of this fraudulent account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
Subject : Failure to Comply with FCRA 1681c2 Identity Theft Dispute Not Blocked Within 4 Days Details : I am submitting this supplemental complaint because the company has failed to comply with federal law regarding identity theft and inaccurate account reporting.

I submitted a dispute along with the following documentation : A valid FTC Identity Theft Report Notice that my personal information was exposed in the Equifax data breach A formal written dispute of fraudulent/inaccurate accounts listed on my Experian credit report Under 15 U.S. Code 1681c2, also known as the FCRAs Identity Theft Blocking Rule, the credit reporting agency is legally required to block fraudulent information within 4 business days after receiving proper identity theft documentation.

The agencys response indicating it needs up to 60 days to investigate does not apply in identity theft cases where proper documentation has been provided. This delay is not only unacceptable it is noncompliant with federal consumer protection laws. 

I am demanding : 1. Immediate removal and blocking of all accounts I identified as fraudulent.

2. A full investigation into why FCRA protocol was not followed.

3. Full enforcement action by the CFPB if this is not resolved promptly. 



Attached again are : My FTC Identity Theft Report Breach notice documentation Dispute letter Credit report showing the fraudulent accounts I expect resolution within the legal 4-day timeline not 3060 days. Failure to act puts the credit bureau at risk of civil liability under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Subject : Formal Dispute of Reopened Closed Account To Whom It May Concern : I am writing to formally dispute a reopened account being reported by your company. According to my TransUnion credit report, your agency reopened a previously closed collection account on XX/XX/XXXX. The account was originally opened on XX/XX/XXXX. 
This type of update is highly unusual and may constitute inaccurate reporting under the Fair Credit Reporting Act ( FRA ), particularly if no new, documented activity occurred to justify reopening the account. Re-aging or reactivating a collection account to reset its status without valid legal basis is prohibited by federal law. 
Please provide the following within 30 days : - A written explanation of why the account was reopened - Documentation that I authorized or triggered this action - Full account history showing the justification for this change If you are unable to verify the legitimacy of this action, I request that the account be closed again and corrected or removed from all credit reporting agencies. This is not an admission of liability but a good faith dispute to ensure accurate credit reporting Sincerely, XXXX XXXX

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened another Wells Fargo checking account, no temporary debit was given, and I'm not able to login to my account which means the bank is using customers money and holding us back while with must pay late fees as well! Please include me in any lawsuits, formal and/or informal? Thank you.!!!!!

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 2025-07-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I had a previous civil litigation relating to all student loans from XXXX interstate, XXXX XXXX XXXX, and Student Loan Finance Corporation. This civil litigation is docket number XXXX in which I paid for. I stated, The cause of action in this litigation were falsified amounts of student loan debts in the amount of {$16000.00} by XXXX XXXX dated XXXX, and in the amount of {$14000.00} by the XXXX Department of Education dated XX/XX/year>, and in the amount of {$7100.00} by Student Loan Finance Corporation dated XX/XX/year>. The correct accumulation method applied by the student loan interest rate calculator is ; Loan amount is {$3500.00} ; Loan amount in years is XXXX ; Interest rate is 4.45 % which equals= {$1700.00}. Therefore, the correct amount based on a XXXXXXXXXXXX  period for the XXXX Department of Education XXXX {$10000.00} instead of {$14000.00}. Student Loan Finance Corporation accumulation amount for a XXXX-XXXX  period is inaccurate as well. The correct accumulation method for a XXXX-XXXX  period is ; Loan amount is {$1700.00} ; Loan amount in years is XXXX ; Interest rate is 4.45 % which equals= {$870.00}. Therefore, the correct amount for Student Loan Finance Corporation should have been {$5100.00} instead of {$7100.00} for a XXXX-XXXX  period. As the attached document shows, all debts were paid in the amount of {$50000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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 2025-07-02 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:
I am a victim of identity theft and Ive made police reports in the past regarding my claim. I want them remove from my Credit report profile as soon as possible. I am entitled to have fraudulent information blocked and deleted under15 U.S.C.1681c-2a

Company response to consumer: Closed with explanation