vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
Requesting XXXX XXXX for XXXXXXXX XXXX Account # XXXX I am unable to reach Experian via telephone to request early exclusion for this account. It is scheduled to be removed XX/XX/year> and this account is not reporting on XXXX  or XXXX. Remove account or I will file suit.

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 2025-07-10 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against [ Debt Collector/Agency Name ] regarding a debt they allege I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and formally requesting a debt validation. 

Summary of the Complaint : Unknown debt Creditor Name : Navient Debt Collector/Agency : Navient Solutions Account Number : XXXX Date First Contacted : XX/XX/year> I received a communication from the above-named collection agency alleging that I owe a debt. However, I dispute this debt in its entirety and request full validation and documentation of this debt in accordance with my rights.

Under 15 U.S.C. 1692g ( b ), I am requesting the following : A copy of the original signed contract or agreement creating the debt. 

A detailed accounting showing how the amount was calculated. 

Proof that the collection agency is authorized to collect on this debt. 

The name and address of the original creditor. 

Copies of any judgment, if applicable. 

Until I receive proper validation of this alleged debt, I am requesting : That all collection activity be immediately ceased. 

That this debt not be reported to any credit bureaus, or if already reported, that it be marked as Disputed during the investigation. 

That the CFPB investigate this matter to ensure my rights are protected. 

Please include this letter in the formal case record and provide me with a copy of your response and the collection agencys documentation once reviewed. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-07-10 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MI

Complaint narrative:
I was charged a late fee that I believe is unfair or incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  is removed from all bureaus but Experian and XXXX XXXX I email all correct information thats was asked and its still not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am the victim of identity theft. A fraudulent XXXX XXXX Bank account was opened in my name in XX/XX/XXXX and charged over {$17000.00}. I discovered it in XX/XX/XXXX and filed an FTC Identity Theft Report ( # XXXX ), along with all required documentation under FCRA 1681c-2.

As a result of a prior dispute submitted through the CFPB, the account was rightfully deleted from all three credit bureaus. However, Equifax has now reinserted the account into my credit file without : Notifying me in writing within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ) Providing a valid certification of accuracy from XXXX XXXX  ( FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) ) Showing me any documentation that I authorized or opened the account ( FCRA 1681g ) The account is not being reported by XXXX  or XXXX, confirming that Equifax is the only bureau in violation.

I have never received any communication from TD XXXX with supporting documents or a signed application. The account is fraudulent, and I have complied fully with the FCRA in disputing it.

This false reporting has caused harm to my credit profile and financial standing, and I believe Equifax may be in willful or negligent noncompliance under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing because Capital One closed my XXXX credit card account unexpectedly, citing activity inconsistent with typical customer account usage. This was due to two returned payments for the same charge, which happened because my check deposit was on hold, and I mistakenly believed the payment had cleared. I was never given any prior warning or notification before the account was closed. 

The check was deposited into my debit card on XX/XX/XXXX in the morning ( money was in my card so I attempted a payment of {$9900.00} ). Later that day my check was placed on hold so the payment was returned. On my due date XX/XX/XXXX, the payment was attempted for {$10000.00} for the full statement balance. The money was taken out of my debit card so I assumed payment was complete. Payment was returned again. When I noticed, I contacted my debit card to re-issue payment and they apologised for inconvience. XX/XX/XXXX my payment was submitted and my balance cleared off but on the same day my account showed restricted. 

Once I noticed the restriction, I immediately contacted Capital One ( my balance was paid off ) to be told that my account is not restricted but closed. They closed BOTH my capital one credit cards even the one that had no issue without any prior notice or warning. I was informed that the account closure decision was final and can not be reversed as it was a two time return. I explained it was for the same payment and It is the first honest mistake and I always made sure to submit payments on time. 

I believe this closure was unfair and lacked proper communication. I am requesting assistance to have Capital One reconsider the closure or provide guidance on how I can regain access to credit products with them in the future. Additionally, I want to ensure my credit report reflects accurate and fair information. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-10 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:
XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS DISCOVER {$1600.00} XXXX XXXX {$720.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} XXXX XXXX XXXX $ SEVERAL ACCOUNTS REPORTING XXXX  XXXX {$460.00} XXXX XXXXXXXX {$2800.00} XXXX {$820.00} XXXX {$1200.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am the victim of identity theft. A fraudulent XXXX XXXX XXXX account was opened in my name in XX/XX/XXXX and charged over {$17000.00}. I discovered it in XX/XX/XXXX and filed an FTC Identity Theft Report ( # XXXX ), along with all required documentation under FCRA 1681c-2. As a result of a prior dispute submitted through the CFPB, the account was rightfully deleted from all three credit bureaus. However, Equifax has now
reinserted the account into my credit file without : Notifying me in writing within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ) Providing a valid certification of accuracy from XXXX XXXX  ( FCRA XXXX ( a ) ( XXXX ) ( B ) ( i ) ) Showing me any documentation that I authorized or opened the account ( FCRA XXXX ) The account is not being reported by XXXX XXXX XXXX confirming that Equifax is the only bureau in violation. 

I have never received any communication from XXXX XXXX with supporting documents or a signed application. The account is fraudulent, and I have complied fully with the FCRA in disputing it. 

This false reporting has caused harm to my credit profile and financial standing, and I believe Equifax may be in willful or negligent noncompliance under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made a payment to Capital One Cabela 's Visa credit card ending in XXXX via XXXX XXXX XXXXXXXX online bill pay in error totalling {$8200.00} on XX/XX/year>. At the time XXXX XXXX XXXX XXXXas unable to reverse or cancel the payment. They indicated they would contact Capital One on my behalf, but I should also initiate a refund dirrectly with Capital One. 

After no response for several weeks, I contacted Capital One again and was told the refund was " on hold '' with no consistent answer on when the refund would be processed. I initiated a call on XX/XX/year> with the Capital One Executive Escalation Department. The rep there indicated the hold would be up " tommorrow '' and that he would follow-up with me by telephone then to confirm status. I received no follow-up call as promised. 

On XX/XX/year>, I got a message from Capital One indicating our account was past due. In checking their on line system, it appears they initiated 2 refunds that resulted in a large BALANCE DUE totalling the same {$8200.00}, with interest due no less! ( See attached screenshot. ) This time the Executive Escalation Department could not help as my account was frozen bt collections and I was forwarded to their Collections Department! I was forwarded to a manager after the inital rep was no help. The manager indicated one refund was in a check sent directly to me and the other was in a check sent to B of A. She stopped payment on the check sent to me and suggested I wait for the B of A check to process, which will result in additional time until I see the funds. Based on my experience so far, I have little confidence this will go as planned. 

This is a ridiculous process with policies that benefit Capital One with no regard for the customer. Due to the amount involved, this has resulted in an unreasonable financial hardship and loss of time just to get a simple answer on status. I now have to wait again based on their internal error processing 2 refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-10 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: SC

Complaint narrative:
I was a part of equifax data breech. The following account have appeared on my report. No acknowledgement or pre authorization of these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief