vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After recently reviewing my credit report I noticed multiple accounts that appeared to be incorrectly reported. I have no knowledge of these accounts neither have I signed an agreement for these debts, these derogatory accounts are negatively impacting my eligibility to obtain credit, and I demand to see verifiable proof ( i.e. signed agreements ) of agreement with these creditors, and if I can not be provided with proof of this the accounts must be removed according to FCRA laws. Thank you.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After recently reviewing my credit report I noticed multiple accounts that appeared to be incorrectly reported. I have no knowledge of these accounts neither have I signed an agreement for these debts, these derogatory accounts are negatively impacting my eligibility to obtain credit, and I demand to see verifiable proof ( i.e. signed agreements ) of agreement with these creditors, and if I can not be provided with proof of this the accounts must be removed according to FCRA laws. Thank you.

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: 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: AZ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

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: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I recently opened a Capital One VentureOne credit card in XX/XX/year> with a {$400.00} credit limit. During the application process, the only documentation I was asked to provide was a valid State ID for identity verification. The card was approved, issued, and activated without any request for additional documentation or mention of further review. 

On the morning of XXXX XXXX, I had been successfully using the card for small purchases. Later that same day, while attempting to use the card to purchase important prescription medication, the card was unexpectedly declined. I then discovered that Capital One had placed a hold on my account and was now requiring bank stubs documentation they never asked for prior to approving the card. 

This account freeze happened after approval and after active use of the card. The freeze caused serious disruption to my day, especially due to my inability to purchase necessary medication. I was not notified in advance, and no clear explanation has been provided by Capital One regarding the sudden change in their verification requirements. 

I believe this is an unfair and deceptive business practice. Capital One misrepresented the onboarding process and failed to disclose the possibility of a post-approval freeze or sudden demand for documents. The poor timing and lack of communication caused me both financial and emotional harm, including stress, lost time, and potential lost wages. 

I am requesting : A full explanation for the post-approval account freeze.

Immediate resolution and unfreezing of the account ( or clear next steps ). 

Acknowledgment and accountability from Capital One for the real-world impact, especially regarding my inability to purchase medication due to their action.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX XXXX To : [ Equifax / Experian / TransUnion ] Dear [ Equifax / Experian / TransUnion ] Representative, I am writing to formally request the removal of a closed account and Inquiries currently being reported on my credit file. The account in question is : Creditor : XXXX XXXX XXXX XXXX Account XXXX Status : Closed : XXXX XXXX Date XXXX Creditor : XXXX XXXX  Status : Closed Date XXXX Creditor : XXXX XXXX XXXX  Account XXXX Status : Closed Date XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Xactus XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Although I understand this account is closed and reported as settled , I am requesting its removal based on the following : 1. Rehabilitation Efforts : Since resolving this account, I have made consistent and deliberate efforts to restore my credit standing. This closed account no longer reflects my current financial behavior, and its continued presence is impairing my ability to progress. 
2. Negative Impact Beyond Reasonable Timeframe : While technically eligible to remain on my credit report for seven years, the age and resolution of this account lessen its relevance. I am requesting its early removal as a gesture of goodwill and fairness in reporting, or as an early exclusion if it is within six months of aging off. 
3. Verification Under the Fair Credit Reporting Act ( FCRA ) : I am also requesting that you verify this account under Section 611 of the FCRA. If the creditor can not fully verify its accuracy, completeness, and relevance, I request that it be deleted in accordance with federal law. 


This account does not align with my present financial responsibility. As someone actively working to re-establish creditworthiness, I respectfully ask that you review and consider the removal of this account in full. 

Please notify me in writing once this request has been processed. Should you require further documentation or identity verification, I am willing to provide it promptly. 

Sincerely, XXXX XXXX XXXX of XXXX SSN ( Last XXXX Digits ) 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g Demand for Immediate Verification or Removal from Credit Report This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, regarding the debt you claim I owe. Ive requested documentation and never received any response nor previous correspondence for collection. I hereby request full validation of the alleged debt referenced below : Creditor/Collector : XXXX XXXX XXXX XXXX Account Number : none given nor shown on credit reports Amount Allegedly Owed : {$2100.00} Please provide all of the following documentation to validate this debt and your legal authority to collect it : 1. Original signed contract or agreement bearing my signature. 2. Complete account history, showing how the alleged amount was calculated. 3. Flow agreement or servicing agreement showing how this debt has been handled. 4. Proof of ownership of the debt, including chain of title, transfer, or assignment of ownership. 5. Bill of sale or legally binding transfer document from the original creditor to your agency. 6. Your debt collection license information and the state ( s ) in which you are authorized to collect. If you can not provide the documentation listed above within 10 business days from the receipt of this letter, I demand that : The debt be considered invalid and uncollectible, and It be immediately removed from all credit bureaus to which it was reported, including XXXX XXXX and XXXX, in compliance with the Fair Credit Reporting Act ( FCRA ). Please note : any continued collection activity, including reporting to the credit bureaus without full and proper validation, may constitute a violation of federal law and could result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action for damages under 15 U.S.C. 1692k. I am prepared to see legal proceedings if not resolved

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a certified mail dispute letter to Experian regarding inaccurate late payment information on my credit report for a XXXX XXXX account. The dispute was properly formatted according to FCRA requirements and included copies of my driver 's license and utility bill for identification verification, as required by law. 
The dispute specifically challenged unverified 30-day and 60-day late payment entries that contained inconsistencies across credit bureaus and lacked proper documentation. Under FCRA Section 611, Experian was legally required to conduct a reasonable investigation within 30 days and either verify the information with documentation or delete it from my credit file.

Instead of complying with federal law, Experian sent me a form rejection letter on XXXX XXXX  claiming my dispute " does not appear to have been sent directly by you or to be authorized by you '' and stating they " have not taken any action on your alleged request. '' This response violates FCRA Section 611 ( a ) ( 1 ), which mandates that credit bureaus " shall reinvestigate free of charge '' when a consumer disputes information directly. Experian has no legal authority under the FCRA to refuse processing a properly submitted dispute based on unsubstantiated authorization concerns, especially when proper identification was provided. 
Experian 's rejection letter appears to be a systematic " stall tactic '' designed to discourage consumers from exercising their federal rights and force them into less favorable online dispute systems. This constitutes willful non-compliance with the Fair Credit Reporting Act. 
The company 's illegal refusal to process my dispute has allowed inaccurate information to remain on my credit report, continuing to damage my credit scores and financial opportunities. I provided all required documentation and followed proper FCRA procedures, yet Experian refuses to fulfill their mandatory legal obligations. 
I am requesting that the CFPB force Experian to immediately process my original dispute, conduct the required investigation, and delete any information they can not properly verify with documentation. Experian 's systematic violation of federal consumer protection law requires immediate regulatory intervention.

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 — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Alleged Debt Dear I am writing to inform you that I dispute the validity of the alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you cease all collection activities until you provide verification of the debt. 
Please treat this letter as a formal dispute and request for verification. If you fail to validate the debt, you must stop all collection attempts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
On XX/XX/year>XXXX  I was in a car accident, I went to the XXXX  here in XXXX. I was weighed and vitals taken then sent back into the waiting room. After waiting for a substantial amount of time I made the choice it would be easier to just go see my doctor for an examination.I left the emergency room without being seen or treated by a doctor. I later received a bill for XXXX dollars. I then reached out to the billing department as it clearly reflected in my medical charts I had not been treated and thought at this point it was handled. Recently after this I got a letter from a collection agency that it has been turned over for collections, not only did they charge me for a visit that never happened but they also filed a claim on my Insurance, that included, XXXX XXXX I never had any of that done. I then emailed the higher up information about my billing issues, the next day I was contacted and assured it would be corrected, needless to say I now have to collections agencys on my credit report for this same debit.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On or about XX/XX/XXXX I called Experian Credit Bureau about fraudulent information on my current consumer report. This information is being reported fraudulently this is a case of identity theft as I have no knowledge of these accounts. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CLOSED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CLOSED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to correct the inaccuracies to my credit reports. All of my reports should be without deviation, but these negative items that I try to fix seem to stay the same and nothing is done. I have files a complaint with the FTC to help with this issue. See attachment below.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I made a complaint to CFPB regarding an application Id made for a Citibank credit card. On XX/XX/XXXX, Citibank sent a letter with a reply to my complaint stating the reason they couldnt approve my application because it had been too long since Citibank had received my application ( see copy of this letter, attached ). The letter went on to recommend that I re-apply for the credit card at www.citicards.com. 

Per their recommendation, I went to the above referenced link on XX/XX/XXXX, where I was invited to see if I pre-qualified for a Citibank card. I filled out the requested information and received a notice that I did pre-qualify ( see screen shot of this message, attached ). I completed my application online, and was then advised that my application was denied. 

I then received a letter from Citibank dated XX/XX/XXXX, again denying my application, this time stating the reason was because I had too many recent inquiries on my credit report ( see copy of this letter, attached ). 

This chain of events is very disconcerting. First, Citibank sends a letter that says they cant approve my application because its been too long since I applied. Second, in the same letter, Citibank recommends that I re-apply. Third, I go to the link they provide to re-apply, get pre-qualified, then am denied the application again. 

As of today, my XXXX score is XXXX, as noted by XXXX, the credit reporting agency used by Citibank to check my credit worthiness ( see screen shot attached. ) I also have a long history of having XXXX  scores above XXXX ( see screen shot attached ). I am a longtime Citibank credit card holder, since XXXX. With this excellent XXXX score, I dont understand XXXX reticence to approve my application for the Custom XXXX XXXX with a promo rate of 21 month 0 % interest on balance transfers. Is this an age-related denial? Maybe they don't think I'll live long enough to repay my debt?

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: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank stole money from XXXX member. What money do I get. Been with XXXX since 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
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 — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was stolen and a Capital One credit card was opened in my name. I filed a police report and I contacted capital one since I have the right to obtain documents relating to fradulent accounts opened using my information and was refused that information. I would like to know what purchases were made using that card, if any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NC

Complaint narrative:
Experian is in violation of FCRA ( 15 U.S.C code 1681e ( b ). I am entitled to a fair and accurate credit report and this company has been notified many times that they are the only credit bureau that continues to report unverified and inaccurate accounts on my credit report. Based on my knowledge my information was compromised through their data breach.

I need a reinvestigation on the following accounts in question and requesting proof of investigation and how the account came back VERIFIED.

Experian is the only credit bureau that did an investigation on the accounts below and they came back VERIFIED, while XXXX  and XXXX  is not reporting these accounts. 


XXXX. XXXX XXXX XXXX # XXXX - Please provide documentation under ( USC 15 code 1681i ( B ) how the account was VERIFIED. 
XXXX. XXXX XXXX XXXX # XXXX Please provide documentation under ( USC 15 code 1681i ( B ) 3. XXXX XXXX XXXX XXXXXXXX - Please provide documentation under ( USC 15 code 1681i ( B ) XXXX. XXXX XXXX XXXX # XXXX - Please provide documentation under ( USC 15 code 1681i ( B ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Please provide documentation under ( USC 15 code 1681i ( B ) 6XXXX XXXX XXXX XXXX-Please provide documentation under ( USC 15 code 1681i ( B ) I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am not associated with this address- under 15 USC 1681a ( p ).

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: 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XX/XX/year>, Contents of Complaint : 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 FRAUDULENT ACCOUNTS TO BE REMOVED : Personal Information to Be Corrected or Removed : Incorrect Employer : XXXX XXXXXXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Collections to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are e 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