vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX, a Banco Popular XXXX account was charged off and closed. Despite this, XXXX  continues to report the account with new Charge Off ( CO ) notations each month through XXXX, XXXX, and even up to XX/XX/XXXX. 

This is inaccurate and misleading. A charge-off is a one-time event, and the account has had no legitimate activity to justify ongoing monthly derogatory reporting. The last payment was made in XX/XX/XXXX. No activity has occurred since. 

I disputed the account with XXXX  and requested documentation verifying the ongoing monthly CO reporting. XXXX  only updated minor account fields and claimed the information was verified, but did not provide any documentation to justify the continued reporting. 

This repeated reporting of charge-offs violates the Fair Credit Reporting Act ( FCRA ), which requires that all information in a consumer credit report be accurate, complete, and verifiable. I am requesting that the inaccurate monthly CO entries from XXXX through XXXX be removed, and if the company can not verify this information, that the account be deleted entirely from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XXXX, I was was alerted that my card was declined while attempting to purchase fuel. Called XXXX to inquire- was told there was a suspicious {$1.00} purchase made so they froze my card. XXXX said a new card would be provided within 7 business days. I attempted to access my account but was unable to view my account since company inactivated my card and apparently inactivated my account as well. I was therefore unable to verify the potentially fraudulent activity prior to inactivating account.

New card arrived within 7 business days and attempted to activate but was unable to as my account appeared to no longer exist. Called XXXX customer support in which they proceeded to reactive my account for me. Upon accessing my account to view activity, I was unable to see the potentially fraudulent charge or any activity completed to address the charge. 

Upon checking my rewards balance, there was a redemption of {$180.00} of rewards made on XXXX, XXXX day before I discovered my card was inactivate. I was unable to see my past redemption history as well. I requested to know which email was on the account and if changes to email had been made, since rewards should be emailed to the email on file. XXXX did not provide any information or indication of discrepancies regarding the email on file. XXXX was also not able to share with me the email that the {$180.00} rewards was sent too. Requested that rewards be corrected but I have no ability to verify what the balance should have been or if theft of additional rewards occurred prior to XXXX. 

Overall, I was not notified of changes to my account by the company - I learned my card was inactivated when I attempted to use it. I was not provided information about the reason why it was inactivated. Customer service was extremely difficult to understand and communicate with, further exacerbating my confusion. XXXX did not allow me access to view or pay my balance during time which original card was inactivated. {$180.00} of rewards was stolen without closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover reporting late for 90 days in 2021 closed and keeps reporting on my credit This account was charged off and closed, yet the collection agency continues to contact me and report inaccurate information. I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
Chexsystems, I let them know I have cleared up everything on their. Is considered identity theft for they listing me on this system, please remove me from chexsystems

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 2025-06-23 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: PR

Complaint narrative:
XXXX XXXX, a XXXX XXXX XXXX account was charged off and closed. Despite this, Equifax continues to report the account with new Charge Off ( CO ) notations each month through XXXX, XXXX, and even up to XX/XX/XXXX. 

This is inaccurate and misleading. A charge-off is a one-time event, and the account has had no legitimate activity to justify ongoing monthly derogatory reporting. The last payment was made in XX/XX/XXXX. No activity has occurred since. 

I disputed the account with Equifax and requested documentation verifying the ongoing monthly CO reporting. Equifax only updated minor account fields and claimed the information was verified, but did not provide any documentation to justify the continued reporting. 

This repeated reporting of charge-offs violates the Fair Credit Reporting Act ( FCRA ), which requires that all information in a consumer credit report be accurate, complete, and verifiable. I am requesting that the inaccurate monthly CO entries from XXXX through XXXX be removed, and if the company can not verify this information, that the account be deleted entirely from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received a debt letter from McCarthy Burgess & Wolff claiming I owe a debt to Credit First, NA referred to account number ending in XXXX for {$1000.00} in collection. I deny owing ang debt to this debt collector for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX Consumer IDXXXX Date of BirthXXXX SSN : XXXX XXXX XXXX Type : State ID ID Number : XXXXAddress:XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date:XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and

I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Company started texting and calling repeatedly, giving different pay off amounts, reporting wrong payment and not reporting payments that was made, I reported it to the credit agency and all they do is change none payment to payment, after I reported the error ask them to delete this account, bc of the repeated errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX ; XXXX filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Basis for Dispute Section XXXX11 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I received a notice from Mohela that my loans had been discharged from the public service loan forgiveness program starting XX/XX/XXXX. I have requested a refund of XXXX for overpayment from XX/XX/XXXX- XX/XX/XXXX. Mohela has informed me that my refund would be issued within XXXX business days. I have yet to receive my repayment. Mohela website states they filed for a refund on XX/XX/XXXX. I have not yet received the refund. I have emailed and called numerous times and have been told it would be issued by XX/XX/XXXX, but I have not received a refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to get credit. Its my understanding that you look into this kind of thing to make sure everything is accurate. 

Heres the item Im askin you to verify as accurate : XXXX XXXX XXXX XXXX Account number : 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 2025-06-23 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: AL

Complaint narrative:
Dear Sir/Mam, I am writing to respectfully request your assistance with a matter involving my credit report and an installment account held with XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ), which is currently being reported to TransUnion, Experian, and Equifax. 
While I understand and acknowledge that a late payment may have occurred in the pastspecifically in XX/XX/year>, as shown on the credit reportsI have since made every effort to bring the account current and have consistently submitted on-time payments thereafter. The account is currently in good standing, with a {$0.00} past due balance, and reflects Current payment status across all three bureaus. 
In light of my efforts to restore and maintain a positive payment history, I kindly ask that the CFPB assist in facilitating a request to remove the isolated late payment entry from my credit file. This goodwill adjustment would significantly support my credit rebuilding efforts and ensure that my report reflects my recent responsible payment behavior. 
I have attached documentation, including excerpts from my credit report and proof of payment, to support this request. 
Thank you for your time and for the role you play in protecting consumers and promoting accurate credit reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital One isn't awarding reward points as advertised on their XXXX card. They did not award 4 % cash back on these 2 restaurant transactions just because the billing entity is the hotel where these restaurants are physically located 1 ) XX/XX/year>2025 - XXXX - {$100.00} 2 ) XX/XX/year>2025 - XXXX  - {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XX/XX/year>

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 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of XXXX : XXXX To whom it may concern, I am writing to to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; XXXX. CAPITAL ONE Partial Acct XXXX XXXX 

I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. 

Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Halliday, Watkins & Mann, P.C.
State: UT

Complaint narrative:
This is an ongoing dispute with Halliday, Watkins & Mann P.C. Representing XXXX XXXX dba XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All parties involved have failed to validate the alleged debt. I have Revoked Power of Attorney and Placed an Irrevocable Power of Attorney. I know my rights as they are all reserved. I am a living breathing man with XXXX XXXX! 

FCRA 1681i ( a ) ( 1 ) ( A ) Right to Dispute Inaccuracies FCRA 1681e ( b ) Credit Reports Must Be Accurate FDCPA 16929g ( b ) Debt Validation Rights UCC 9-203 No Contract, No Debt FACTA 1681c-2 Identity Theft Removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$300.00}

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: IL

Complaint narrative:
XXXX XXXX Closed Charged off as bad debt. 
XX/XX/2018 I am writing in response to your recent communication regarding an alleged debt. I have no knowledge of your company, what you represent, or any transaction or sale related to this matter. I do not recognize this debt and dispute its validity in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Anglers XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/year> To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 

XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer. 



Sincerely, 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