vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
In XX/XX/year>, Portfolio Recovery Associates , LLC began attempting to collect on an alleged XXXX  XXXX account that I do not recognize or owe. I disputed the debt in writing and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ). Portfolio Recovery Associates only provided billing statements and did not produce any original signed agreement, itemized accounting, or proof of ownership of the account from XXXX XXXX. 

I also informed Portfolio Recovery Associates that I am a victim of identity theft and provided a copy of a valid police report documenting the fraudulent account. Despite this, the company continued to claim that the account is valid and continued collection activity without proper verification. 

Their letter dated XX/XX/year>, stated they would consider the debt valid even after I submitted a police report. This response disregards federal protections for identity theft victims under the Fair Credit Reporting Act ( FCRA ) and violates their duty to block or delete fraudulent account information after receiving an identity theft report. 

I have sent multiple written disputes and cease-and-desist notices, but Portfolio Recovery Associates continues to treat this debt as valid and has failed to provide lawful validation or confirm cessation of collection efforts. I am requesting that the CFPB require Portfolio Recovery Associates and XXXX  XXXX to : Provide full validation documentation for the alleged account, or remove it entirely ; Cease all collection and reporting activity related to this disputed account ; and Confirm compliance with FDCPA and FCRA identity theft procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-10-22 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:
PLEASE BLOCK AND REMOVE. 
This account has taken a toll on my mental well-being and emotional health. Supporting documents are included, and I kindly ask for its prompt removal.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
was denied a checking account by XXXX Bank on XX/XX/year>. The denial was based on information from ChexSystems, which indicated my ChexSystems score was XXXX. The score factors listed were : Time since XXXX inquiry activity, Insufficient XXXX inquiry activity same FI, and Recent unique FI XXXX inquiry history. 

There were no negative items, delinquencies, or unpaid accounts in my ChexSystems file. Despite that, my report was used to deny me a bank account. 

When I contacted ChexSystems, I was told that XXXX information was also used, but neither organization could clearly explain what specific data caused the score or decision. I believe my consumer report was either misused, incomplete, or inaccurately interpreted. 

I am requesting that ChexSystems review and verify the accuracy and relevance of the data used to calculate my score, and to ensure no improper data from XXXX or other sources was used.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report 's that are not mine. 
Below is a list of the addresses that I would like to XXXX permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX I would like to have the only addressees reporting on my credit report which is : XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report 's that are not mine. 
Below is a list of the addresses that I would like to XXXX permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX I would like to have the only addressees reporting on my credit report which is : XXXX. XXXX XXXX XXXX XXXX XXXX CA 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 2025-10-22 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: CA

Complaint narrative:
I submitted formal dispute letters to Experian over a month ago regarding several inaccurate and fraudulent accounts that should not be appearing on my credit report. Along with my disputes, I provided my identification, proof of address, and an official Identity Theft Report as supporting documentation. Despite giving ample time for review, Experian has failed to take any corrective action or provide an update. When I checked my credit report today, all the disputed accounts are still being reported with no indication that any investigation or correction has taken place. This clearly shows noncompliance with the Fair Credit Reporting Act ( FCRA ) requirements for timely and reasonable investigation.

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 2025-10-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The vendor from XXXX assured me that if I paid for the more expensive shipping option, the items would arrive on time. I agreed and paid the higher shipping cost. 

However, the shipment arrived XXXX week after the event for which the items were needed. According to XXXX XXXX, the package was delayed and held due to an issue with the contents or documentation a situation completely beyond the customers control. 

Because of this delay, the items were no longer needed, and the box remains unopened and sealed, still covered with both the original company tape and XXXX XXXX tape. 

We provided clear proof, including : Photos of the package still sealed. 
Official delivery dates showing it arrived after the event. 
Screenshots of conversations with the vendor confirming that the order would arrive on time if I paid for expedited shipping. 

Despite this evidence, both the bank and the vendor refused to assist or issue a refund. The customer should not be held responsible for delays caused by customs or false assurances made by the seller.

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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act.l seek redress for the misleading practices and failure to fulfill their advertised promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in my personal identification information as reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) XXXX, I request an investigation into the following incorrect information and correct it in accordance with industry standards, specifically the Metro 2 Format guidelines for accurate reporting. 
The following items are incorrect and need to be removed or corrected : XXXX. Incorrect Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX WAY XXXX XXXX XXXX XXXX, CA XXXX -Correct Address : XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX, CA XXXX As outlined in the FCRA, all personal identifying information must be accurate and verifiable. Incorrect data may lead to confusion with another individual 's file and may have a negative impact on my creditworthiness.

Supporting Documents Included : A copy of my United States ID A recent utility bill or bank statement to verify my current address Any additional documentation supporting my correct name

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 2025-10-22 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: NC

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 2025-10-22 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: NC

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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I was the victim of identity theft earlier this year. With the help of XXXX, I was notified in XXXX, XXXX that there was a fraudulent account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened using my name and SSN from XX/XX/XXXX - XX/XX/XXXX. Account number was XXXX. The address was XXXX XXXX XXXX, XXXX PA XXXX. The initial amount sent to collections was {$2300.00}. After months of going back and forth with XXXX and providing them all required documentation to prove I have never lived at that address, I received a letter stating I was fully released from any owed debt and they acknowledged that this was identity theft. After this resolution, XXXX then sent another {$190.00} to collections for the same issue, same account, same identify theft case for no clear reason. XXXX and myself has been trying to resolve this for months and XXXX has completely stopped responding to our requests, they ignore phone calls, and requests for what is now needed to resolve this ; the matter remains open, and it's been almost a year, beyond unacceptable. This is reason why I am logging this complaint today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
I am writing to demand an immediate re-investigation of inaccuracies on my credit report. These errors are not the result of a mistake on my part and are causing significant emotional and financial 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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to BANK OF AMERICA dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under XXXX U.S.C. XXXX ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BANK OF AMERICA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure BANK OF AMERICA 's immediate compliance with FCRA requirements. 

BK OF AMER 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 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: CA

Complaint narrative:
i have a title loan on my car with regional finance. they keep calling on a daily basis harassing me about making a payment. I told them that i am on social security and i get paid only once a month on the XXXX of the month. i said i need at least XXXX deferrments to catch up on the loan. the high interest on the loan is excessive. i am a man and at age 75 years with a bad XXXX XXXX, and my doctor said i need to avoid stress, including that from bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-22 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:
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 2025-10-22 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:
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