vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Complaint Against Capital One for Account Restriction and Blocked Access Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital One regarding an issue with my credit card account. Without prior notice or clear justification, Capital One has restricted my account and blocked me from accessing or using my credit card. Despite my attempts to resolve this matter directly with them, I have not received a satisfactory explanation or resolution.

This action has negatively impacted my financial stability and ability to manage my credit obligations. Additionally, Capital Ones lack of transparency and failure to provide timely communication regarding this restriction is deeply concerning. I believe this may be an unfair or improper practice, and I request that the CFPB investigate this matter.

I kindly ask for your assistance in ensuring that Capital One provides a formal explanation and takes the necessary steps to resolve this issue. Please let me know if you require any additional information or documentation regarding my complaint. 

Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Things are on my credit report thats lower my score significantly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Things are on my credit report thats lower my score significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian 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 filed 4 reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX  on XX/XX/XXXX. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at DEPT OF ED/XXXX on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-02-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian 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 filed 4 reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX  on XX/XX/XXXX. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at DEPT OF ED/XXXX on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information Please find below my updated accurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — Store credit 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: OR

Complaint narrative:
XX/XX/XXXX I opened a Synchrony loan for a Laz-y-boy purchase worth {$5000.00}. I paid {$2500.00} cash - so the loan amount was for {$2500.00}. I had 3 years to pay it off at {$62.00} per month. On XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$1500.00}. The payments remained at {$62.00} per month until XXXX. I continued to make the payments, however, due to having more than one Synchrony account ( all closed except for XXXX, I became confused and paid into an account that was already paid off. I could not understand why Synchrony was saying I was late on a payment as they had received it, but placed it first into the wrong account and then switched the payment to the correct account. I called them to get the late fee removed as they had the money in full. I will be happy to send Synchrony statements showing the series of payments as well as bank statements. When they would not remove the late fees, I contacted XXXX XXXX. My attorney wrote many letters to Synchrony and eventually he received a letter back stating the late fees would be removed ( I have a copy of that letter as well ). The late fees were never removed and XXXX XXXX said that any further correspondence with Synchrony would have to be done through a lawsuit which I could not afford. 
In XX/XX/XXXX I paid off the entire amount minus the late fees which I do not see myself owing. They continue to this day to charge me for the late fees and making my credit score, which was very high, to continue to drop.

I have tried to call Synchrony many, many times and I end up talking to people in other countries who will tell me I have the wrong department and transfer me. Today, I hung up when it came to my 5th transfer and no resolution to my problem. 
I need help.I have many, many documents and statements. I didn't attach them as I don't know how much you can receive and if this federal agency is even going to see this. Please let me know and I will be happy to send the,.

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
The issue of debt collection practices raises significant concerns regarding consumer rights, particularly when collectors fail to validate debts. In my case, the persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score, which is critical for future financial opportunities. 

Furthermore, my attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
Theres been several fraudulent transactions on my account. Cashapp has never reinbusrsed me. Also when you report scammer accounts they dont remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any items listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report.

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 2025-02-26 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: MD

Complaint narrative:
I recently reviewed my consumer reports and noticed fraudulent activity. 
XXXX XXXX Account # : XXXX {$730.00} Date Opened : XXXX XXXX Account # : XXXX {$870.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$740.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX {$870.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX I am writing to file a formal complaint regarding continuous harassment from the above list of creditors, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. 

On XXXX XXXX2025, I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). Furthermore, the three major credit bureaus (

Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). Under the FDCPA, specifically the provision prohibiting debt collectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately. Thanks

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 2025-02-26 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: MD

Complaint narrative:
I recently reviewed my consumer reports and noticed fraudulent activity. 
XXXX XXXX Account # : XXXX {$730.00} Date Opened : XXXX XXXX Account # : XXXX {$870.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$740.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX {$870.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX I am writing to file a formal complaint regarding continuous harassment from the above list of creditors, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. 

On XXXX XXXX2025, I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). Furthermore, the three major credit bureaus (

Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). Under the FDCPA, specifically the provision prohibiting debt collectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately. Thanks

Company response to consumer: Closed with non-monetary relief