vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am formally filing a complaint with CB/HELZBERG data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
Summary of Issue : I am submitting this complaint regarding the closure of my Discover credit card account and the denial to reopen it. This account represents a significant portion of my available credit and is an important tool for managing my finances. The closure occurred under circumstances that I believe were avoidable and that have negatively impacted my credit score.

Timeline of Events : XXXX XXXX XXXX : A person I had been speaking with on an online dating site offered to assist me with credit card debt. I processed the payment using the information he provided, excited for the support. Hours later, I became concerned that the transaction might be fraudulent. I immediately called Discover, explained the situation, and expressed my concerns about potential fraud. Discovers customer service advised me to wait for the transaction to process or bounce and noted my call to show I had proactively reported concerns.

XXXX XXXX XXXX : The payment cleared, and based on Discovers guidance, I assumed everything was in order.

XXXX XXXX XXXX  : I received an email indicating the payment had bounced and suggesting that I link a new card to bring my account current.

XXXX XXXX XXXX  : My account was closed.

* * * during this period of time I let the account go delinquent due to financial strain from health issues that resulted in surgery on XXXX XXXX : This was the only negative mark on my account in the entirety of having the account for 2 years * * * XXXX XXXX XXXX : I became aware the account was closed. When I called Customer Service I was told that in order to request my account be re-opened I need to mail a letter to their corporate office. 
XXXX XXXX XXXX : I brought the account up to date.

XXXX XXXX XXXX XXXX Certified Mail verified that Discover received my letter XXXX XXXX XXXX : I received an email stating Discover wished to keep me in good standing and to call. XXXX XXXX : When I called, I was informed that my letter had been reviewed and the decision to close the account would stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CT

Complaint narrative:
After a lengthy credit card approval process ( as someone with excellent credit and note this has never been an issue with other banks ), followed by a lengthy delivery of the physical card ( no access to a virtual card btw and this has also never been an issue with other banks ), i activated the card and attempted to use the card numerous times. Every time it was declined saying " insufficient funds ''. I called capital one many times and received different answers every time. I was told to try rerunning the transactions, i was told my billing address wasnt matching up, i was told the issue isnt on capital one 's end its XXXX and they arent generating a token, i was told XXXX needs my security code and should have asked for this, i was told its because a balance transfer is pending and to wait a few days, then, my card was frozen.I talked to so many people at capital one at this point i lost track. I then had the fraud dept give me a lengthy speech about my card being frozen for suspicious activity and i needed to provide copies of my ID and proof of residency. I provided this information virtually via the link provided in email.I called numerous times and was told the information was received and it would take 1-10 business days to review ( really??? ). I called at least 1x/day asking for more info, asking if this can be escalated, explaining this is outrageous, and was told theres nothing to be done, i have to wait. Eventually i was transfered to a manager who then proceeded to tell me my card was never " active '' and i was required to provide my ID and proof of residence in order to actually activate the card. What?????? She then told me it could not be escalated and it would take 1-10 days for someone to review and that theres no one else i could talk to because shes a manager and thats the highest level (???? ). Meanwhile prior to the card being frozen i had requested a balance transfer which i was told would process in 1-3 days. It is now more than 3 days since the request. It shows as pending and im told it will process, even though my card is frozen, since the transaction was requested prior to the card being frozen. I have no idea if it will ever go through, or if this card will ever be reactivated. Meanwhile i have a hard inquiry and a $ XXXX credit line i can not use. I was also supposed to have 15 months of 0 % APR from date of opening and those days are ticking by. I am unable to use my card and the 0 % APR. I have been bamboozled and driven around in circles. This is a complete failure and serious change needs to occur at capital one. They need to do better, especially for individuals with excellent credit. I have had credit cards with XXXX, XXXX XXXX XXXX XXXX, and XXXX. I have had nothing but positive experiences with them. I am deeply disappointed in capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-14 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: CA

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The following accounts in question include XXXX XXXX & XXXX XXXX XXXX XXXX. These accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XXXX XXXX XXXX letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX XXXX  XXXX -- - Date Opened : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting several inaccurate, incomplete, and unverified items on my credit file and has failed to correct them after previous disputes. Equifax is currently listing a XXXX XXXX account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a date opened of XXXX and a balance of {$1200.00} as a charge-off. No signed agreement, account statements, or proof of default have been provided. They are also reporting an XXXX account ( # XXXX XXXX XXXX XXXX XXXX ) with a balance of {$0.00} and late payment history, as well as a XXXX XXXX XXXX account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a reported high balance of {$710.00} and late payments. These negative entries remain without any documentary evidence to substantiate them. 

Additionally, Equifax is reporting multiple XXXX XXXX XXXX  collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with alleged balances ranging from {$650.00} to {$29000.00}. These accounts have not been validated, no original billing records have been produced, and there is no HIPAA-compliant authorization for the disclosure of medical information. The continued reporting of unverified medical debt constitutes both a violation of the Fair Credit Reporting Act ( FCRA ) and a breach of my privacy rights. 

My file also contains numerous hard inquiries that I did not authorize, including AN # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX and others. Under FCRA 1681b, these inquiries require a permissible purpose, which Equifax has not demonstrated. Their continued presence on my file without proof of consent or authorization is a direct violation of this provision. 

Equifaxs failure to follow reasonable procedures to assure maximum possible accuracy as required by FCRA 1681e ( b ), and failure to delete unverifiable information under 1681i ( a ) ( 5 ), is causing significant harm to my creditworthiness, employment prospects, and financial opportunities. I request that the Consumer Financial Protection Bureau take immediate enforcement action to compel Equifax to remove all inaccurate, unverifiable, and unauthorized information from my credit file and ensure full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am demanding immediate action regarding multiple fraudulent and inaccurate accounts appearing on my credit report. These accounts do not belong to me and are the direct result of identity theft, where my personal information was used without my consent. I have never had any connection to these accounts, yet they remain on my report despite my prior disputes and submission of an FTC identity theft report, as instructed by Equifax. This ongoing inaccuracy is unacceptable, violates my rights as a consumer, and continues to damage my credit and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Follow-Up : Reinvestigation Request XXXX  XXXX Account ( Acct : XXXX ) To : Equifax Dispute XXXX Address : XXXX XXXX  XXXX, XXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax Dispute Team, I am writing to follow up on my formal reinvestigation request regarding the XXXX XXXX XXXX  XXXX XXXX account ending in XXXX, originally submitted on XX/XX/XXXX via the CFPB portal. I understand this complaint may have been marked as a duplicate ; however, the disputed items remain unresolved and merit a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

Disputed Items : - Charge-Off Amount ( {$740.00} ) : Appears inflated and may include non-principal fees. 
-Payment History : CO status reported monthly after XX/XX/XXXX despite a payment on XX/XX/XXXX. 
- Date of First Delinquency ( XX/XX/XXXX ) : Potentially inaccurate or unsupported. 
- Credit Limit vs. High Credit : * * High credit exceeds the limit, suggesting improper fee inclusion. 
- Comments Section : Charged Off Account and Account Closed By Credit Grantor may be unverifiable or misleading. 

Requested Action : Please conduct a full reinvestigation of these discrepancies. If XXXX XXXX can not verify the accuracy of these entries in compliance with Metro 2 and FCRA standards, I request that the tradeline be corrected or removed from my credit report. 

I expect confirmation of receipt and a resolution within the 30-day window mandated by the FCRA. Please send all correspondence to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint regarding Capital One Auto Finance, which was a creditor in my XXXX  XXXX bankruptcy case. My plan was confirmed by the bankruptcy court and required full repayment of the auto loan principal with reduced interest as set by the plan. 
The XXXX  XXXX trustee has marked my case as paid in full, and Capital One received all scheduled payments. However, they misapplied those payments allocating funds incorrectly toward interest and are now claiming that I owe an additional {$19000.00}. 
They recently offered a settlement of {$5700.00}, despite my plan explicitly limiting the amount of interest and requiring the principal to be paid in full. 
Capital One has acknowledged the plan was not discharged due to a prior bankruptcy, but they are using this as justification to collect beyond what was authorized. This appears to violate the terms of the confirmed plan a binding court order and possibly the Bankruptcy Code. 
I have requested a full payment breakdown multiple times. Capital One has not provided a legally sufficient explanation and continues to pursue this post-bankruptcy debt. 
I am requesting CFPB review this matter as an abuse of post-bankruptcy collection practices, misapplication of payments, and possible interest inflation. 
I request the CFPB investigate and require Capital One to correct the payment application, confirm that the balance is satisfied under the plan, and cease further collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-08-14 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease and Desist Reporting of Fraudulent Activity Under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX, am writing to formally dispute the presence of fraudulent, inaccurate, and unauthorized account information and credit inquiries currently reported on my Equifax credit file. This correspondence serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal and state laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have submitted a formal Identity Theft Report to the Federal Trade Commission ( FTC ) as provided under 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the direct result of identity theft. 



FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX XXXX XXXX XXXX High credit amount {$32000.00} Date opened XX/XX/XXXX {$540.00} LEGAL BASIS FOR IMMEDIATE ACTION Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report data they know or reasonably should know to be inaccurate. Continued reporting of fraudulent or disputed accounts and inquiries constitutes willful noncompliance with the FCRA and is actionable. 

You are formally instructed to : XXXX. Immediately cease and desist all reporting, collection, and communication regarding the accounts and inquiries listed above. 
XXXX. Delete all records related to the fraudulent items from your databases. 
XXXX. Prevent further sharing or sale of my personal data without express written consent. 
XXXX. Notify all relevant parties and bureaus of the removal. 
XXXX. Confirm compliance in writing within XXXX ( XXXX ) calendar days of receipt of this letter. 



ENCLOSURES : FTC Identity Theft Supporting Evidence and Documentation NOTICE OF ENFORCEMENT Should you fail to respond appropriately, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. Additionally, I reserve the right to initiate legal action seeking actual, statutory, and punitive damages for any continued reporting of false or unauthorized data. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I am entitled to a reinvestigation of my dispute within 30 days. During this process, any unverifiable or inaccurate information must be eliminated from my credit report. 
I expect a prompt and thorough response, including all evidence and documentation used during your investigation. 
This communication serves as my formal demand that unverified and disputed information regarding this account be expunged if proof of accuracy can not be provided within the legal timeframe. 
Failure to comply violates my rights under federal law, and I will pursue all necessary remedies should my dispute not be resolved promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
The addresses listed on my credit report are incorrect and should not be there. I have attached supporting documents to verify my correct information, and I am requesting that these inaccurate addresses be permanently removed from my file.

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