vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding Capital One Banks refusal to close my account despite confirmed fraudulent activity. I reported fraud on [ XX/XX/year> ] regarding account number ending in [ XXXX ]. Despite my request and legal right to have the account closed to prevent further unauthorized use, Capital One has refused to close it. 

This refusal exposes me to continued fraud, violates my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E, and constitutes unfair banking practices.

I request immediate closure of this account and written confirmation that I will not be held liable for any fraudulent charges after my report.

Please investigate this matter and compel Capital One to comply with consumer protection Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-18 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 am a XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX was fraudulently opened and/or used without my authorization. 

I have submitted the following to XXXX on multiple occasions : Government-issued photo ID Proof of residence FTC Identity Theft Report ( pursuant to FCRA XXXX ) XXXX data breach letters Despite these submissions, XXXX continues XXXX report this account as a valid charge-off and has referred it to its debt collector, XXXX XXXX XXXX XXXX XXXX who sent me a collection letter dated XX/XX/year> ( Ref # XXXX ). 

This violates FCRA XXXX ( failure to block fraudulent tradeline ) and FDCPA XXXX ( b ) ( continuing collection activity without verification ). 

Requested Resolution : Immediately block and delete this fraudulent tradeline from Experian, XXXX XXXX XXXX 

Cease all collection activity by XXXX and its agent XXXX XXXX XXXX XXXX. 

Provide written confirmation that I have no liability for this account. 

Correct any adverse information previously furnished so no negative history remains. 

I am attaching my FTC Identity Theft Report, proof of identity, proof of residence, prior dispute letters, and the XX/XX/year> XXXX XXXX letter as evidence.

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 2025-09-18 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:
I am a XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX  XXXX XXXX XXXX account ending in XXXX was fraudulently opened and/or used without my authorization. 

I have submitted the following to XXXX on multiple occasions : Government-issued photo ID Proof of residence FTC Identity Theft Report ( pursuant to FCRA XXXX ) XXXX data breach letters Despite these submissions, XXXX continues XXXX report this account as a valid charge-off and has referred it to its debt collector, XXXX XXXX XXXX XXXX XXXX who sent me a collection letter dated XX/XX/year> ( Ref # XXXX ). 

This violates FCRA XXXX ( failure to block fraudulent tradeline ) and FDCPA XXXX ( b ) ( continuing collection activity without verification ). 

Requested Resolution : Immediately block and delete this fraudulent tradeline from XXXX XXXX, and TransUnion. 

Cease all collection activity by XXXX and its agent XXXX XXXX XXXX XXXX. 

Provide written confirmation that I have no liability for this account. 

Correct any adverse information previously furnished so no negative history remains. 

I am attaching my FTC Identity Theft Report, proof of identity, proof of residence, prior dispute letters, and the XX/XX/year> XXXX XXXX letter as evidence.

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 2025-09-18 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:
I am a XXXX XXXX XXXX XXXX. The XXXX XXXX  XXXX  XXXX XXXX XXXX account ending in XXXX was fraudulently opened and/or used without my authorization. 

I have submitted the following to XXXX on multiple occasions : Government-issued photo ID Proof of residence FTC Identity Theft Report ( pursuant to FCRA XXXX ) XXXX data breach letters Despite these submissions, XXXX continues XXXX report this account as a valid charge-off and has referred it to its debt collector, XXXX XXXX XXXX XXXX XXXX who sent me a collection letter dated XX/XX/year> ( Ref # XXXX ). 

This violates FCRA XXXX ( failure to block fraudulent tradeline ) and FDCPA XXXX ( b ) ( continuing collection activity without verification ). 

Requested Resolution : Immediately block and delete this fraudulent tradeline from XXXX, Equifax, and XXXX. 

Cease all collection activity by XXXX and its agent XXXX XXXX XXXX XXXX. 

Provide written confirmation that I have no liability for this account. 

Correct any adverse information previously furnished so no negative history remains. 

I am attaching my FTC Identity Theft Report, proof of identity, proof of residence, prior dispute letters, and the XX/XX/year> XXXX XXXX letter as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX has reproted that I have a balance with Court : XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXX * XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/year> Amount : XXXX The court has stated they have not provided this company with my personal information to report. This has also been resolved with the landlord and he sent an email on my behalf.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: WV

Complaint narrative:
SUBJECT : Fraudulent Review Denies Reversal of Fraudulent Interest Charges PLEASE READ THE CITIBANK CASE FILES IN SEQUENCE ( Each file is numbered and titled for clarity. Volumes build upon each other and are best understood in order. ) This is Volume 16 of a 21-Volume, 167-page documented sequence detailing systemic Citi misconduct. 

In this volume, I detail how I asked Citibank to reverse interest charges that violated the 21-month 0 % APR balance transfer promotion I relied on. Instead of honoring the promo, Citi denied my request, claiming their review of my account determined all interest charges to be accurate, yet later refunded {$320.00} an admission by action that their original denial was false from the start.

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 monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: VA

Complaint narrative:
I have been going back and forth with XXXX regarding the removal of my Private Mortgage Insurance ( PMI ). On XX/XX/year>, I received a final Broker Price Opinion ( XXXX ) from XXXX stating that my home was valued at {$390000.00}. At that time, I was informed that I needed to pay {$1700.00} toward my principal balance to meet the PMI removal requirement. 

Based on that information, I made payments and, as of XX/XX/year>, I have successfully met the required {$1700.00} principal paydown. However, XXXX is now stating that I owe {$33000.00} to meet the PMI removal threshold and that I must order a new appraisal. 

This is completely inconsistent with the information they previously provided. The XXXX I received was explicitly stated to be valid for 120 days and does not expire until XX/XX/year>. I have followed all instructions and met their stated requirements, yet they are now moving the goalposts and refusing to honor the original terms. 

I am requesting that the CFPB review this matter and require XXXX to honor the initial BPO and promptly remove my PMI as I have met the conditions they outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute significant inaccuracies on my credit report that violate the Fair Credit Reporting Act 's requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). These reporting errors are causing me ongoing financial harm and must be addressed immediately.

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 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, I think, I submitted an online payment for about XXXX to pay off my student loan with Mohela. At first the system said, " processing, '' but then it went away. There was no confirmation given and nothing was deducted from my bank. I spent weeks trying to get a hold of someone at Mohela but the automated service just keeps repeating itself and no one answers. On XX/XX/XXXX or XXXX I used the automated line and tried to submit the payment again. Days later, nothing. I called and got someone on the line. They said I have two confirmation numbers for payments. I explained that I can't pay this twice! They told me to do a bank stop and that the 2nd payment should go through soon. I did a one-time bank stop so mohela couldn't take two payments. Nothing since then. I can't get a hold of anyone and my Mohela online account says I'm past due. I can't believe this!

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: FirstCash, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am rebutting Cash America Pawns response to my complaint.

Cash America claims that I failed to make timely payments and that my items were forfeited properly. This is not accurate. I made my required payments to extend the loans, and I was never properly notified of any delinquency or forfeiture prior to my items being sold. 

1. Payments Were Made in Good Faith Cash America admits in their response that I made repeated payments on these pawn loans. I paid more than the principal amounts borrowed in fees and interest over several months. Despite my consistent payments, they still sold my belongings. This is theft, not a legitimate forfeiture. 

2. Lack of Proper Notice The store claims courtesy calls were made, but I was not properly notified in writing or provided with fair opportunity to redeem my property before it was sold. Courtesy calls do not replace proper notice and documentation required under Florida law and pawn regulations. 

3. Unfair Practices & System Issues Cash America claims their system is accurate. I dispute this. Their system failed to properly account for my payments and extensions. My loans should not have been forfeited when I was actively making payments as required. Selling my property under these circumstances is unlawful and unfair. 

4. Harm Caused These items were personal property of value to me, and their wrongful sale caused me financial and personal loss. I entered into these pawn agreements in good faith, and I fully complied with the terms by paying as required. Cash America took my money in fees and then took my property. That is not compliance that is theft. 

Cash Americas continued denial of responsibility only highlights their unfair and predatory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IA

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
Reported to my credit that the account is delinquent and close when I go on app, they say that my account is active and up-to-date. I would like this removed from my credit for reporting the wrong information. I feel like they are scamming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Management Incorporated
State: ID

Complaint narrative:
On a daily basis, I keep getting harassing calls from Capital Recovery ( their phone number is XXXX ) claiming that they are a collection company representing XXXX, which is a loan company I never even heard of. They keep telling me that they will take legal action against me by threatening to refer this to court, demanding payment and damaging my credit. I NEVER had any business dealings with XXXX, or any other payday loan company for that matter!! Someone must have stolen my identity to get this loan, or this company must have done that in an attempt to extort money from me. 

Capital Recovery is syaing that I took out this loan 8 years ago, which would've been impossible because I never took out a loan at that time. Also, I was living in a state where these types of loans aren't even serviced. They're lying, threatening me and trying to extort money from me that I do NOT owe!!! These criminals are NOT getting my money!! I will NOT pay on a loan that I didn't take out!! I FLAT OUT refuse to pay anything to a company I never did any business with in the first place.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the fraudulent accounts listed in my credit report. These accounts are not mine, were never authorized, and represent false information. The presence of such entries has unfairly harmed the accuracy of my credit profile and must be corrected without delay.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint on the behalf of myself. There is no other company disputing on my behalf. Please do not send me an automated response! All the documents will be included for this dispute! I am writing to formally dispute the recent reinsertion of an account on my credit report. This account was previously deleted and has now reappeared without proper notice or verification, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). As of today, I have not received any notice of this reinsertion, nor have I been provided with any form of certification or evidence that the information is accurate and verified. Due to this failure to follow the FCRAs reinsertion procedures, I am formally requesting that this item be permanently removed from my credit report. 

Creditor : XXXX XXXX XXXX Account Number : XXXX This reinsertion is not only a violation of my rights under the FCRA, but it is also damaging to my credit and financial reputation. Please promptly remove this within 7 business days pursuant to 115 U.S.C. 1681i ( a ) ( 5 ) ( B ) to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
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 XXXX 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/23 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 2025-09-18 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: NJ

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
The entire debt collection services is nothing more than a state sanctioned extortion ring, the way I see it is that it's merely modern-day indentured servitude. Genuinely, if they want it paid off, go speak with the XXXX  they call XXXX XXXX XXXX  of the species. I went to university to be able to get a job, but clearly they're too XXXXXXXX XXXX XXXX XXXXXXXX to think of anything. XXXXXXXX XXXX XXXX, Williams & Fudge is another socially acceptable con- organization, trying to sell you a bridge in XXXX XXXX Genuinely, the XXXX XXXX is planning to rise up

Company response to consumer: Closed with explanation