vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear American Express XXXX XXXX, I am requesting the immediate release of funds from my High Yield Savings account ( ending in XXXX ). My account is showing as restricted/closed, but it still reflects an available balance. At this time, I can not deposit or withdraw.I ask that you : XXXX. Confirm whether my account is closed or restricted. 
XXXX. Provide the date my funds will be released. XXXX. Confirm the method of return ( ACH to my linked account or by check ). 
Since this is an XXXX account, I expect my funds to be returned promptly. Please send me written confirmation of my account status and the timeline for release. 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
It's against XXXXXXXX XXXX XXXX pharmacy. I had an XXXX  placed around XXXX. At that time, my XXXX provider placed an order to XXXX pharmacy, but insurance did not cover it. So they used a leftover one, and they did not bill us. However, I keep getting calls from XXXX for the payment. I called the XXXX office at that time, and they told me I did not need to pay for it. I clearly explained it to the calls from XXXX multiple times. We did not receive any XXXX directly from XXXX. 
Now it went to a debt collection agency. I spoke with the XXXX office again, and this is their response. " This is XXXX XXXX XXXX XXXXXXXX XXXX nurse, We don't have any proof that an XXXX  was delivered to our office from the specialty pharmacy because your wife 's insurance did not cover her XXXX  at the time it was ordered, her insurance wanted us to submit a XXXX  to see if it was covered that way, and that XXXX   was denied, so no XXXX  was ever delivered to our office. When our office receives any XXXX  for patients, we always make a note in the patient 's chart that an XXXX  was received. Please get in touch with the specialty pharmacy or insurance to follow up and let them know no XXXX  was ever delivered ; therefore, they shouldn't be charging you for a device that was never sent to our office. Hopefully, you get this figured out through them. Please let us know if you have any other questions. '' I am now receiving calls from a debt collection agency. My credit score will be affected. Since I did not place the order, and I did not receive the order, they should not harass me. the XXXX office is also saying they did not receive anything. They have been mentally harassing me for 5 years. I have a documented response from the office that they did not deliver any XXXX  to them. If they have any issues, they should deal with myprovider, not me. I did not place the order, and I did not receive anything from them. The pharmacy should bill the provider 's office, and the office should bill me. This is fraud. The pharmacy is calling me multiple times, and now it has been sent to debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent Affirm accounts currently listed on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are the direct result of identity theft. I have repeatedly provided Experian with supporting documentation, including proof of identity, an FTC Identity Theft Report, and a * * police report ( Case No. XXXX ) * * confirming that these accounts were fraudulently opened without my authorization. Despite my compliance and the overwhelming evidence presented, Experian continues to refuse to remove these accounts, which constitutes a clear violation of my consumer rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

Furthermore, Experians * * 2025 data breach * * raises significant concerns regarding your ability to maintain the accuracy, reliability, and security of consumer information. This breach further undermines the integrity of my credit profile and worsens the harm caused by Experians ongoing reporting of fraudulent accounts.

Under * * FCRA Section 605B * *, credit reporting agencies are required to block fraudulent information from appearing on a consumers credit report within * * 4 business days * * of receiving proof of identity theft. By failing to comply, Experian has not only violated the law but has also caused irreparable harm to my creditworthiness, financial stability, and reputation.

I hereby demand that Experian immediately : 1. * * Delete the fraudulent XXXX  accounts XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX from my credit file. * * 2. * * Provide me with written confirmation * * of the deletions.

3. * * Cease reporting any information * * related to these accounts to third parties.

Failure to comply will result in my pursuing * * formal complaints * * with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and the * * Attorney Generals Office * *, as well as initiating * * legal action * * to enforce my rights under the FCRA and to seek damages for the harm caused by Experians negligence and willful noncompliance.

I expect written confirmation of compliance within the statutory time frame.

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the restriction placed on my Capital One account. I am extremely concerned and dissatisfied with the handling of my account, especially considering that the issue stems from a credit that was offered to me directly by Capital One. 

After accepting the credit offer, I expected to be able to access and use my account normally, as per the terms presented at the time of the offer. Instead, my account has been restricted without clear explanation or justification. This action has caused me significant inconvenience, frustration, and unnecessary stress, particularly because I acted in good faith based on Capital Ones own promotion. 

Restricting my account under these circumstances feels misleading and unfair. If Capital One extends an offer of credit, it should stand by its commitment rather than penalize the customer for accepting it. I respectfully request : 1 A full and detailed explanation of why my account was restricted.

2 Immediate removal of the restriction placed on my account.

3 Assurance that accepting a credit offer in the future will not result in punitive action. 


As a customer, I value transparency, fairness, and trust qualities that I expect from Capital One. I hope this matter can be resolved promptly. If not, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 


Sincerely, XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dispute Letter Request for Deletion of Derogatory Accounts & Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Derogatory Accounts & Unauthorized Hard Inquiries Request for Deletion under FCRA & 15 USC To Whom It May Concern, I am writing to dispute and request the deletion of derogatory accounts and unauthorized hard inquiries currently appearing on my Experian credit report. These items are inaccurate, unverifiable, or otherwise reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Derogatory Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 Days Past Due XXXX XXXX XXXX Collection ( Original Creditor : XXXX XXXX Bank XXXX, {$600.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ( Original Creditor : XXXX XXXX XXXX {$3200.00} ) PXXXX XXXX XXXXollection ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection ( Original Creditor : XXXX XXXX XXXX {$1500.00} ) Disputed Hard Inquiries ( Unauthorized / No Permissible Purpose ) 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 Pursuant to 15 U.S.C. 1681i, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If the disputed information can not be verified, it must be deleted from my credit report. Furthermore, un

der 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes. Any hard inquiry not supported by such permissible purpose is unlawful and must be removed. Because the accounts and inquiries listed above are inaccurate and/or unverifiable, I request their immediate deletion from my credit report. Please provide me with written confirmation once these deletions have been co
mpleted. If you maintain that the information is accurate, I request a detailed description of the method of verification, including the name, address, and telephone number of each furnisher contacted, as required by law. 

Please be advised that failure to comply with these obligations may constitute willful noncompliance with the FCRA and subject your agency to liability under 15 U.S.C. 1681n and 1681o.

Thank you for your prompt attention to this matter. I expect a full response within the time allowed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX/ XXXX : XX/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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit bureaus are inaccurately reporting a XXXX XXXX XXXX in my file. 

This bankruptcy is not reported by any court and can not be verified through XXXX XXXXr other public court records. The only vendor that supplies bankruptcy data to the credit bureaus, XXXX, has acknowledged errors in its reporting and is removing the record. 

Despite this, Equifax, Experian, and TransUnion continue to report the bankruptcy and are applying bankruptcy notations such as Included in XXXX XXXX XXXX and Bankruptcy Petition to accounts. 

Under the Fair Credit Reporting Act ( FCRA ), the bureaus may not report information that is inaccurate or unverifiable. Since the bankruptcy can not be verified by the courts and the source vendor has removed it, the bureaus must delete it.

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 2025-09-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> Citibank Customer Service XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Subject : Complaint Regarding Unfulfilled Cash Advance Transaction on XX/XX/year> at Branch located at XXXX XXXX XXXX XXXX Dear Citibank Customer Service, I am writing to file a formal complaint regarding a cash advance transaction that occurred on XX/XX/year> at approximately XXXXXXXX XXXX  The transaction was requested in-person at the Citibank branch located at XXXX XXXX XXXX XXXX XXXX 
The nature of my complaint is as follows : I requested a cash advance from the teller, but the transaction was not initiated or fulfilled. This prevented me from completing my business and was a direct failure of service. 
I request that you investigate this incident and take appropriate action to ensure this does not happen to me or any other customer in the future. 
I expect a response and resolution to this matter within a reasonable timeframe. You may contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
REQUESTED DOCUMENTS - XXXX LETTER OF VALIDATION XXXX PROOF OF PURCHASES. XXXX COPY OF ORIGNAL SIGNED AGREEMENT. 
This complaint is in regard to Experian and not following the fair credit reporting act. i have directly called them and they see the disputes and requests regarding file # XXXX XXXX XXXX & XXXX  credit card i have sent numerous disputes through XXXX, Transunion and Experian its time somebody take over. this company failed to comply with the XXXXday law to provide the above requested documents, and Experian has the nerve to tell me to file another dispute. The game is over please someone have these people remove this from my report as i just opened an XXXX and this is the only thing that is killing me. there are no more chances for this debt collector you don't get XXXX chances and XXXX months Experian starts talking about i have to file a fraud complaint, NO they by law must provide the above, they have to prove that the debt is valid. I should not have to play lawyer or obtain documents that do not exist. But the debt collector WAS DISPUTED ALMOST XXXX OR XXXX  TIMES AND CERTIFIED MAIL TRACK # XXXX PLEASE HELP CFPB THESE CREDIT AGENCIES ARE NOT COMPLYING WITH THE LAW REFUSING TO REMOVE UNVALIDED DEBTS THIS IS A MAJOR PROBLEM

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 2025-09-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I found that Capital One reported a 30-day late payment for XX/XX/XXXX. I disputed this with the company, but they have not provided documentation to verify it. I believe the reporting is inaccurate and should be corrected or removed.

Company response to consumer: Closed with explanation