vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a Capital One customer for over 10 years. Recently, all of my accounts were abruptly closed due to misinformation and mishandling by Capital One employees. 

On XX/XX/year>2025, I visited the Capital One XXXX at the XXXX in XXXX, CA to deposit a stack of checks I had found while moving. Some were old, some were new. The branch manager, XXXX XXXX, specifically told me it was fine to deposit them 10 at a time. He assured me that if some had already been deposited, they would simply reverse and I would just get a phone call to clear it up. At no point was I informed this could result in account closure. Based on his instructions, I deposited 28 checks. Of those, 18 reversed and 10 successfully processed. 

On XX/XX/scrub> 2025, I received a phone call from Capital Ones customer protection team. I spent 46 minutes on the phone, including with a supervisor, explaining the situation in detail. I was told that all restrictions were lifted, my account was in good standing, and no further action was required from me. 

On XX/XX/scrub> 2025, I unexpectedly received an email saying Capital One was closing all of my accounts and ending my relationship with the bank entirely. On XX/XX/scrub> 2025, I went back to the XXXX XXXX and sat with XXXX XXXX for over an hour on calls with multiple agents, including someone named XXXX in the fraud department. XXXX admitted that I had been misinformed by Capital One staff, but still told me that its my account and I assume all risk. She also said I may never be able to open an account with Capital One again and that this could impact my ability to bank elsewhere if reported to XXXX  or other agencies. 

I have spent over a week and many hours trying to resolve this directly through Capital One customer service, fraud representatives, and branch staff. Despite my best efforts, there has been no resolution. 

This incident arose entirely because of Capital One employees giving me incorrect instructions. I followed those instructions in good faith, was repeatedly told that my account was in good standing, and then had my accounts closed anyway. 

Case number provided by Capital One : XXXX

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: GA

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate reporting on my Experian credit report. Specifically, a charge-off account is being reported each month as if it were part of my ongoing payment history. This practice is misleading, inaccurate, and a violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : - XXXX XXXX XXXXXXXX This account was charged off ; however, Experian is continuing to report it each month as if it were active negative payment history. A charge-off is a one-time event and should not be reported repeatedly as ongoing late payments. This practice unfairly damages my credit profile and creates the false impression that I am continually delinquent. 
Under the FCRA, all information reported must be accurate and not misleading. I am requesting an immediate investigation and correction of this accounts reporting. 

Specifically, I request that Experian : Remove the improper monthly reporting of this charge-off from my credit file and delete the credit file. 

Provide me with a written confirmation of the corrections once completed. 

For verification, I have enclosed a copy of my credit report with the account highlighted, along with copies of my drivers license. 

Please complete your investigation within the time frame required by the FCRA and provide me with the results in writing.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against TransUnion regarding the reporting of my closed XXXX XXXX XXXX account. 

Details : XXXX  reports this account as XXXX  account as agreed, last updated XX/XX/XXXX, with a worst delinquency of 30 days past due. 
XXXX  reports this account as Account transferred to another office, last updated XX/XX/XXXX. 
TransUnion reports this account as Paid or paying as agreed, last updated XX/XX/XXXX, with no transfer/closure history. 

The TransUnion reporting is incomplete and inconsistent with the other bureaus. Under FCRA 611 and XXXX XXXX standards, credit reporting must be accurate, complete, and consistent. An account that was closed and transferred can not be frozen in time without reflecting its true final status.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX  XXXX and personal loan from XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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.What would be a fair resolution to this issue? I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
They call 8 times a day 6 months after one payment was missed

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 status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inaccurate late payment notations on my accounts are a violation of 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unjust and unlawful.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair 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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I reported identity theft on my social security XX/XX/year>2024. I reported it to the police and filed a identity theft report on XXXX XXXX  I also froze my credit, put an alert and disputed the credit cards. The bureaus keep reporting them and Ive called capital one and XXXX XXXX to cancel tthe cards.The stated that they cant give me any information because I am not the account holder and could not provide any documentation. They stated they would close the accounts but they have not as they are still reporting and I am getting denied for lines of credit and loans. I am here to report the credit bureaus and credit card companies for not removing after several attempts of trying to remove them.

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: FL

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 XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2025, Balance : {$1600.00} 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 XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX [ Date ] COLLECTION XXXX XXXX XXXXXXXX XXXX, VA XXXX Re : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear SPRING OAK CAPITAL COLLECTION, I am writing to request validation of the debt you claim I owe on the above-mentioned account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. * Original Contract * : A copy of the original contract or agreement between the original creditor and myself.

2. * Account Statements * : A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. * Chain of Assignment * : Proof of how the debt was assigned to your agency.

4. * Creditor Information * : The name and address of the original creditor.

Please provide the aforementioned information within 30 days of receipt of this letter. Until I receive the requested validation, I dispute the debt and request that you cease all collection activities. 

If I do not receive the requested information, I will assume that the debt is not valid, and I will take necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CA

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I am filing this formal complaint against First Credit Services for unlawful reporting of a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

This collection account is currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA.

Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. 2001 ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. 


Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this debt collector to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful.

Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked.

Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX XXXX 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 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance. 
With the fair credit reporting act the list of accounts below have vielated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  Partial account number : XXXXXXXX XXXX XXXX Partial account number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Partial account number XXXXXXXX XXXX XXXX  Partial account number ; XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX PartIal account number : XXXXXXXX XXXX XXXX XXXX  Partial account number : XXXX XXXX Partial account number : XXXX XXXX Partial account number : XXXX XXXX  Partial account number : XXXX XXXX  Partial account XXXX XXXX XXXX XXXX  Partial account number : XXXXXXXX XXXX XXXXXXXX Partial account number : XXXX have violated my rights.

15 U.S.C. 1681 Section 602A states i have is the right to privacy.

15 U.S.C. 1681 section 604A section 2 States that a consumer reporting agency can not furnish an account without my written consent instructions 15 U.S.C. 1681c ( A ) ( 5 ) section States that no consumer reporting agency Can make any consumer report containing any of the following information : any adverse information other than records of any criminal convictions or crimes which antedates the report by seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not report any information related to a consumer to a credit reporting agency if the person knows or has reasonable cause to believe that 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