vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have had a payment arrangement with midland credit since XXXX. Today I received a threatening letter and email stating it would be escalated to an attorney for lack of payment, I have proof of talking with a representative today who claimed I called in a said my card info was stolen and they immediately sent out a letter of default. They falsely created a chat conversation that never took place saying my information was stolen. That was after they told me it was an old letter of action and to ignore it. Repeatedly lying, and falsifying conversations. I have screenshots and emails of previous payments to back this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
In XX/XX/year>, I opened a new credit account with my new provider XXXX XXXX XXXX XXXX. I already had a card with Capital One, XXXX XXXX and XXXX. I had the balances on those cards paid off completely and now they are just as high as before. I did use Capital One gain but my purchases were less than XXXX XXXX XXXXXXXX about the same. XXXX I don't even understand how that total got so high because I haven't made any large purchases. 
I would like an investigation and a copy of all purchases made on those cards after they were paid off. As there is no room available in spaces provided for info on the other two cards I will put it here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$950.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I wasn't even aware that I have been a victim of identity fraud and theft at all has no clue or idea. My children 's XXXX XXXX XXXX ( XXXX ) XXXX I believe has mislead me, never notified me or informed me about this all. And I believe she has had access for the past XXXX XXXX  's and used its for her personal gain behind my back. You can reach me at XXXX XXXX XXXX because I don't have access to not XXXX bank account or credit line or even know what is going on I've been left in the dark and I recently discovered that she filed a tax return with XXXX of my forms and with out my consent and she has brought me mail from XXXX with mail missing pertaining this situation and tax forms where opened up and also missing and I had never seen any of this mail, letters or that I needed to take proper steps dealing with this situation she I believe did everything behind my back need help please because I am really lost and confused and I have no clue or idea about anything because I don't have access to not XXXX account or funds that have been requested and or received.

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 2025-10-14 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: CA

Complaint narrative:
Consumer Complaint to CFPBDear Consumer Financial Protection Bureau, I am filing/updating a complaint regarding a {$1300.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, disputed on my Capital One XXXX XXXX card ( account ending XXXX ). Capital One denied my claim again on XX/XX/year> ( Case # XXXX, CFPB Case # XXXX ), despite clear evidence of a scam. Ive had two separate disputes : a {$1500.00} XXXX  charge ( resolved with a refund ) and this XXXX XXXX  service charge, which remains unresolvedXXXX XXXX advertised an XXXX  treatment at XXXX VND ( ~ {$19.00} ) but charged {$1300.00}, a 68x unauthorized overcharge. As a tourist, I paid believing it was the listed price. The treatment failed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIve uploaded videos and pictures as proof. I emailed for a refund on XX/XX/year>, and texted them, but they ignored me after initially contacting me post-service. Evidence ( price photo, email, videos ) and their XXXX page, showing XXXX ads but $ XXXX charges, confirm a scam targeting tourists.My credit card statement shows : a {$1500.00} and {$1300.00} credit on XX/XX/year> ; a {$1300.00} chargeback on XX/XX/year> ; a {$1500.00} chargeback on XX/XX/year> ; and only a {$1500.00} credit on XX/XX/year> ( XXXX  refund ). I never got a refund for the $ XXXX feel scammed, and Capital One didnt protect me despite my evidence. If its not a receipt, why am I still paying? They try to keep dragging out the timeframe, which only benefits them and the merchant, prolonging my ordeal. This violates FCBA 1026.13. I request : A full refund of {$1300.00}, as the charge was unauthorized and the service didnt work. 
An immediate temporary credit during investigation. 
Capital One to investigate, show all records of charges and credits ( including proof of any {$1300.00} refund I missed ), and issue an alert to all cardholders about XXXX XXXX to protect consumers. 

The prior case may be closedplease reopen or advise. Im fighting for myself, my wife, and other tourists, and I need the law to protect us as customers being abused by Capital One and the merchant. Please forward to Capital One and review my evidence.Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, a XXXX credit card was fraudulently opened in my name. I was a full-time student living out of state and did not authorize or use this account. In XX/XX/XXXX, I discovered the fraud, reported it to XXXX, and requested that a fraud investigation be opened. At that time, extended fraud alerts were placed on all three of my credit reports. 
Despite my timely report, the alleged XXXX account remained open and was eventually charged off on XX/XX/XXXX. I have never made charges, payments, or agreements for this account. It has never appeared on my TransUnion or Experian credit reports, and it appeared only briefly on Equifax before being deleted. 
In XXXX, I began receiving collection calls and legal notices from Credit Corp Solutions, claiming to represent XXXX and seeking to collect approximately {$3200.00}. The company filed a lawsuit in XXXX XXXX XXXX ( XXXX XXXX. XXXX ) attempting to collect this debt. I immediately disputed the claim and sent FDCPA validation requests, but Credit Corp Solutions has provided no signed agreement, no account statements, and no proof of assignment linking me to the debt. 
On XX/XX/XXXX, I called multiple verified XXXX customer-service numbers to confirm whether any account existed under my identifying information. Each representative stated that no account could be located under my Social Security number. The only record that surfaced was when a representative used my name and the last four digits of an account number appearing in Credit Corps lawsuit filing, but no other identifying details were available since the matter had already been transferred to collections. 
At trial, I attempted to submit my credit reports showing active fraud alerts as evidence, but the judge declined to admit them. The plaintiff submitted only the summons, without any documentation of ownership or liability. 
This is a clear case of identity theft. I have filed reports with the Federal Trade Commission, my local police department, the XXXX Attorney General, and now the Consumer Financial Protection Bureau ( CFPB ) to document this matter and protect my identity. I request that Credit Corp Solutions cease all collection activity, confirm that this alleged XXXX account does not belong to me, and ensure that it is permanently blocked from my records and credit reports. 
I am requesting that this account be permanently removed from any credit reporting, that all collection efforts cease, and that the company provide written confirmation of these actions. Supporting documentationincluding my police report, FTC identity-theft report, affidavits, and credit reportsis attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: KS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-13 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: PA

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 explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
This serves as a formal dispute, reinvestigation demand, and notice of intent to sue under the Fair Credit Reporting Act ( FCRA ) and Metro-2 Compliance Reporting Standards. 
Upon review of my Equifax credit file, I discovered a XXXX / XXXX credit card account reported with a {$5000.00} limit. I did not authorize, apply for, or open this account. It is fraudulent. 
Despite my identity theft reports and documentation, Equifax verified this item as accurate, which is a direct violation of my consumer rights. Additionally, Equifaxs failure to safeguard personal information during known data breaches further establishes negligence in verifying consumer data.

FCRA Violations 1. 602 Failure to ensure fair and accurate reporting.

2. 605 ( b ) Failure to delete or correct inaccurate information within 5 business days.

3. 605A Failure to apply heightened fraud alert protocols.

4. 607 ( b ) Failure to maintain procedures for maximum accuracy. 5. 611 ( a ) Failure to reinvestigate using original documentation. 6. 609 ( a ) ( 2 ) Failure to provide complete method of verification. 7. 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. 8. 616617 Civil liability for willful and negligent non-compliance ( {$1000.00} per violation ).

Metro-2 Compliance Violations 1. Base Segment Error Improper ECOA and ownership coding.

2. Status Code Violation Fraudulent accounts must be reported as XB Consumer Claims Fraud.

3. Date Mismatch Inconsistent open and last-update dates ( Fields 24 & 25 ). 4. Missing Compliance Condition Code Required D or E condition code omitted.

5. Failure to Suppress Unverified Data Unverified tradelines must be suppressed within 5 business days of dispute.

Proof of Fraud & Negligence - FTC Identity Theft Report # XXXX identifying XXXX / XXXX as fraudulent. - Affidavit of Truth ( attached ). 
- Experian Report : XXXX account removed as fraudulent. 
- Identity IQ Report ID : Confirms fraudulent status. 
- Equifaxs prior data breach compromised personal data. 
- Equifax verified this item as accurate despite insufficient evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I was supposed to send a friend {$270.00} but I accidentally switched the last 2 numbers of his phone number and it was sent to the wrong person I tired to reverse it with XXXX and I was told only the bank can reverse it so I contacted the bank prosperity but all they told me was I need to wait for their " investigation '' and I may get a response within a couple days. I believe this is unfair as it is my money that was mistakenly sent to a person who I have no prior contact with and I dont even know. It is now the XXXX and I have received no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX has no legitimate reason to report a collection account ( XXXX ) on my Experian credit file. They furnished this account without providing the legally required validationno signed agreement, no breakdown of the balance, and no proof of their legal right to collect. Instead, they improperly reported this debt as if it were valid, which it is not. This constitutes a violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which mandates debt collectors to provide full validation before taking any collection action. Additionally, XXXX XXXX XXXX failed to give me a meaningful opportunity to dispute the debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite not complying with these federal requirements, they proceeded to report the debt. Their actions also violate 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act, which prohibits reporting to credit bureaus without proper notice and dispute opportunities. Furthermore, XXXX XXXX XXXX had no permissible purpose under 15 U.S.C. 1681b, and this account fails to meet the accuracy standard set forth under 15 U.S.C. 1681e ( b ). This unauthorized and negligent reporting has damaged my credit profile and wasted my time. It is both unlawful and negligent, and I demand that it be addressed and removed from my credit report immediately.

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 2025-10-14 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: AZ

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 even
t 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 explanation
Consumer complaint received 2025-10-14 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: AZ

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 even
t 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I request that these entries be investigated, and if they can not be fully verified, they must be updated or deleted accordingly.

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