vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a phone call saying i would be sued if I did not respond to a letter that was sent to me : I never received a letter from the company I called the number they gave me and the person I got online ( XXXX XXXX XXXX said she could not give me information over the phone but would get the supervisor to let her email me the letter. 

She emailed an XX/XX/XXXX letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX that said I owed HSBC Bank for an outstanding Capital XXXX credit card balance from XXXX and had to pay the {$7000.00} in 30 days. I think that's what the letter said but I have read it three times and still can not understand it clearly. 

I was totally upset and scared. I am a senior with a XXXX on fixed income and a one-year XXXX survivor. 

XXXX said they would work with me for a settlement and configured a settlement for XXXX payments that totaled {$1800.00} and change. I electronically signed an agreement and payed first payment of {$930.00} on my XXXX card and XXXX additional payments in on XX/XX/XXXX and XX/XX/XXXX. 

Afterward I thought about it and Googled the company and some of the information suggested it was a scam. The claim was from XXXX and I purchased an XXXX XXXX XXXX XXXX mortgage here in XXXX in XXXX and that debt never came up. I told XXXX XXXX this and she said the ability to pursue a debt that old had just been legalized. 

I don't remember the debt at all, although I did have an HSBC account until the bank left the region. 

XXXX has agreed to block the additional settlement charges in XXXX and XXXX. 

Please help me figure this out. I am pretty sure I was scammed. If not, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE AUTO CONTINUES TO REPORT AN AUTO ACCOUNT ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AS NONE OF THE REPORTED INFORMATION RELATES TO MY STATUS WITH CAPITAL ONE. OBVIOUSLY THEY ARE REPORTING SOMEONE ELSE 'S INFORMATION IN ERROR UNDER MY RECORD. FOR MORE THAN 6 MONTHS I HAVE CHALLENGED THIS INFORMATION WITH CAPITAL ONE AND WITH THE 3 BUREAUS ( XXXX XXXX XXXX ) EACH BUREAU EXCEPT FOR EXPERIAN HAS DISCONTUNED REPORTING THIS ERROR ON MY REPORTS. XXXX  CONTINUES TO SAY THAT THE ACCOUNTS WITH CAPITAL ONE HAVE BEEN VERIFIED. WHICH IS A FALSE STATMENT. IF THEY HAD VERIFIED THE ACCOUNT THEY WOULD KNOW THAT IT IS BEING REPORTED IN ERROR. I DO NOT HAVE AN OPEN OR EXISTING AUTO ACCOUNT WITH CAPITAL ONE AUTO NOR A CREDIT CARD. THIS MUST BE CORRECTED.

PER FCRA 605B I DEMAND THIS INFORMATION BEING REPORTED ON BEHALF OF CAPITAL ONE AUTO AND CREDIT CARD BE REMOVED IMMEDIATELY AND THAT CAPITAL STOP MISREPRESENTING MY CURRENT RELATIONSHIP WITH THEM. I AM BEING VIOLATED BY BOTH CAPITAL ONE AND XXXX  WHO REFUSE TO REPORT ACCURATE INFORMATION AND DISCONTINUE MISREPRESENTING FALSE INFORMATION IN THEIR REPORTING. 

THESE ARE NOT MY ACCOUNTS AS THEY ARE CAPITAL ONE AUTO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Misleading Boarding Benefit with AAdvantage Citibank Card I signed up for the AAdvantage Citibank card specifically for the priority boarding benefit. I was led to believe this would allow me to board before general passengers. 

On XX/XX/year> Flight number XXXX from XXXX to XXXX, I attempted to board early and was denied at the gate and told to board with general boarding. This caused public embarrassment and frustration. I later learned XXXX XXXX is considered priority, but in practice, it boards after elite and premium members, and just before true general boarding. This does not align with what most customers would reasonably expect from priority boarding. 

Furthermore, when I called customer service to clarify, I was spoken to rudely by an agent named XXXX, ID # XXXX. I felt dismissed and demeaned. 

I request a formal review of this situation. At minimum, I would appreciate an acknowledgment of the misleading nature of the benefit, and compensation for the embarrassment and lack of service.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery sued me in XXXX  and sent court papers to an address I DID NOT LIVE AT. There was a court date I was not at in XXXX. I lived in Tennessee and DID NOT KNOW ABOUT THIS. Now 10 years later they are trying to garnish my wages for a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I did not apply for any auto loans directly with the companies, yet they are in my report making it difficult for me to apply for loans and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I am attempting to get an auto loan to buy a vehicle with my partner, but I've had my credit frozen due to a past identity theft incident. I wanted to temporarily lift the freeze on my Experian credit report on XX/XX/year> so loan companies could run a credit check. However, when I tried to log into Experian 's site, the two-factor authentication on my account showed an email and a phone number that do not belong to me. Someone else had hijacked my Experian account. I tried repeatedly to call Experian for assistance, but the robot service representative refused to connect me to a person to solve my issue and instead repeatedly directed me to the online portal to fix my issue. However, it is now impossible to access the online portal, so there's nothing I can do. 
I called 6 or 7 different numbers I found online for Experian and every single one directed me to the same robot menu. The experience was infuriating and dehumanizing. They clearly do not care that my credit is now in the hands of a fraudster who has previously tried opening multiple credit cards in my name. 
I've found numerous reports online of similar experiences other people have had and no solutions offered for how to fix it or how to contact an actual human at Experian to fix my issue.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are questionable. I sent letters over 30 days ago requesting validation of these entries, but have received no response, and no satisfactory validation has been provided. This ongoing silence is concerning as these entries continue to impact my credit standing negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint against CREDIT CORP SOLUTIONS for the inaccurate and incorrect reporting of the following tradeline : CREDIT CORP SOLUTIONS Original creditor XXXX XXXX XXXXXXXX Date opened XX/XX/year>2022 Balance {$1400.00}. The account is being reported inaccurately for the following reasons : Balance Inaccuracy : The reported balance is not verifiable, and I have received no recent disbursements or communications validating this amount.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and complete information. Lack of Permissible Purpose : I have not authorized or consented to the reporting of this account under FCRA 604 ( a ), and this tradeline appears without my direct engagement or benefit. Metro 2 Non Compliance : The date formatting and status codes for this tradeline do not align with Metro 2 guidelines and appear to be improperly formatted, further impairing automated dispute resolution and scoring. I have submitted disputes to CREDIT CORP SOLUTIONS, but no reasonable investigation was conducted as required under FCRA 1681i ( a ). The failure to correct or remove this information constitutes willful noncompliance with the Fair Credit Reporting Act, entitling me to relief under FCRA 616 and 617. Violations Summary : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; FCRA 623 ( a ) : Furnishing inaccurate or unverifiable information ; FCRA 604 ( a ) : No permissible purpose to furnish or maintain incorrect data ; Metro 2 Reporting Standards : Inconsistent and nonstandard coding ; Possible Duplicate Reporting inflating debt and damaging credit profile ; No verification of consumer responsibility or legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-19 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








Inquiry 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief