vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-16 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-16 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: GA

Complaint narrative:
On XX/XX/year> I made a cash withdrawal from Capital One XXXX Credit Card. Unknown to me as it is my first credit card and Im learning the ropes to this stuff! Capital One put a freeze/restriction on my account because theyre auto system suspected fraud or a red flag I reached out to them that same day! The requested me to send XXXX of my most recent bank statements which i complied and did so IMMEDIATELY! Over a week has gone by today is day XXXX. I was told multiple times Id hear back way before hand through their XXXX to XXXX day period. Nothing still XXXX days ago a so called supervisor! Named XXXX tells me! That they couldnt verify what i sent them! I asked her can she explain what it is she said she cant but i asked her then how is she able to see they werent able to verify whatever it was then proceeds to say she doesnt know! I feel Im being treated unfair and poorly due to their insubordination! I admittedly told them last week it was me that did it and i had no clue that something like this would happen otherwise i wouldnt have done it. Nobody is trying to scam thats not in my DNA i was really excited when i got this credit card i havent even had it XXXX weeks I JUST GOT IT! And where i feel like its unfair is because the money I withdrew was from a ATM provided on the Capital Ones mobile app! If this is such a huge problem or red flag as they say then why allow us to pull money off just to get penalized? Again I wasnt aware of this situation because I would have NEVER DONE IT! Now Im worried theyre not helping me Ive called them everyday just for them to give me the same answer! The manager hung up on me yesterday just because I said Im recording on my end but they can record us! I know the consumer laws now and Im demanding immediate reinstatement of my account! Theyre not abiding by their end of the bargain! Theyre neglecting and now helping! Im a XXXX XXXX and I work on XXXX  i dont have no money going to any banks when I work just cash and checks only because i dont use my XXXX  account like that because its not a real bank and XXXX  isnt trust worthy so it doesnt make sense to send bank statements to them when i dont use that account as much! Capital One needs to be held accountable on their end because theyre not helping me and I refuse to pay them back if they cant reinstate my account so i can RIGHTFULLY PAY THEM BACK while still being a proud loyal customer of them! So from XX/XX/XXXX to now Ive been dealing with Capital Ones negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CO

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CO

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted the property manager to express concerns over the fourth rent increase in four years of living in the building. After repeated follow-ups, I finally received a response on XX/XX/XXXX, and a lease renewal offer was made on XXXX XXXX me only 48 hours to decide. This took place while I had just given birth to my son, which added additional pressure. 

Due to the urgency imposed by management, my partner and I reluctantly signed a lease renewal for XXXX, even though our prior lease was set to end in XXXX. However, on XX/XX/XXXX, I notified the property manager that we had purchased our first home and would be moving out. I requested to transition to a month-to-month lease for just one additional month. The property manager initially agreed to this verbally, but later reversed course and cited the signed lease as a binding restriction. 

Despite multiple follow-up emails requesting clarification on the move-out process, I never received a response. Left without guidance, I returned the apartment keys, locked the door, and notified them of our departure via email. 

I was never given a final statement or any acknowledgment of the move-out. Months later, I discovered they had submitted the account to collections without any further communication. 

This collection is unfair and misrepresents the situation. I acted in good faith based on what was verbally agreed upon, and the property manager failed to respond to multiple attempts to resolve the matter. I am requesting the removal of this collection from my credit report and an investigation into the property management companys handling of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received 3 back to back to back calls from ( XXXX XXXX XXXX  requesting me to confirm my address and the last four of my social without identifying themselves. I immediately was alarmed and stated that I was working and would call back later in the day to understand more about this. I also stated that it was unnecessary to call me three times in a row as I was working.

Within 30 minutes of speaking with this unknown individual, I receive a frantic phone call from my wife saying that her brother and sister in law ( my in-laws, non-related to me by blood or any financial obligation whatsoever ) received a phone call stating that I am being sued and there is a court order judgment against me and to contact ( XXXX ) XXXX immediately to help them locate me. This process server then went on to contact my wife 's sister ( in-law, non-related to me by blood or any financial obligation whatsoever ) leaving a similar voicemail. All of this is recorded and preserved. 

There was no reason to contact my in-laws about MY financial obligations. Consumers are protected against disclosure of private, financial information to third-parties yet XXXX XXXX XXXX and XXXX process server they contracted with did exactly that. I have attempted to contact XXXX XXXX XXXX multiple times to come to a resolution as the Process Server released false information willfully causing significant emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 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 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I requested on multiple occasions ( XX/XX/year> and XX/XX/year> ) for debt validation as is my right under the Fair Deb Collections Practices Act ( FDCPA. To date, I have not received the requested documents proving that I owe the alleged debt, such as a copy of the original signed contract or billing statements and the company continues to keep the collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I have had my Capital One credit card for about XXXX  years. I am the lone person on the account and it was never cosigned for. My father ( XXXX XXXX ) passed away on XXXX. The credit card shared the same address as his home ( later updated in XX/XX/XXXX ). Otherwise we don't share the same name. My card was canceled XXXX times in XXXX and reinstated after I called. The third time in XXXX of XXXX I had to receive a phone call from a " supervisor '' to have it reinstated which meant I had to wait around for an unspecified amount of time to receive the call. The card was canceled for a fourth time in XXXX of XXXX. I called to have it reinstated as soon as I became aware of it. I was told I would have to receive a phone call from a " supervisor '' again. They called on XX/XX/XXXX at XXXX pm and I was not able to pick up the call. I immediately returned the call at XXXX pm. I was told by the agent I spoke with that they would make a note to have me called again. I received XXXX letters in the mail dated for XX/XX/XXXX asking me to call their customer service line ( XXXX ). I received these letters on XX/XX/XXXX and XX/XX/XXXX. I called them at on the morning of XX/XX/XXXX and after being transfered to a " supervisor '' was told that my account was being canceled including the {$1600.00} balance I still carried. When I asked to speak to someone else I was told by the representative that I could not. I then called the number on the website ( XXXX ) and spoke to another representative who directed my call to an account specialist who also informed me that the account was being canceled because I had not responded to " multiple '' attempts to contact me. I informed her that I had only being contacted on XX/XX/XXXX. She informed me ( and I confimred ) that I was contacted at XX/XX/XXXX at XXXX am. She also said there was nothing I could do to reinstate my account. This creates significant problems for my credit report. My capital one line is my oldest account and is a XXXX line that I keep relatively clear. I have been a customer in good standing with Capital One for over XXXX  years. I don't miss payments. I don't over extend my credit line. They have errored XXXX times now assuming I was dead and I had to correct them. When they canceled my credit line in XXXX temporarly I saw XXXX dip in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am formally disputing the accuracy and legality of specific accounts appearing on my Experian credit report. These accounts are in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Regulation F ( 12 CFR Part 1006 ), Metro 2 compliance, and XXXX reporting standards. 
The following accounts are being reported : - Incompletely - Without proper Metro 2 formatting - Without verifiable documentation - In violation of consumer protection regulations # # # Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 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 2025-05-16 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: CA

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

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$12000.00} 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 - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-16 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-16 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: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief