vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
The account show XXXX different minimum payments on my account, The statement shows {$170.00} but the main account screen on the app shows {$72.00} i am not sure which one is right or wrong or what to pay at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Someone stole my information and used it to try to purchase something with a lender without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT 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 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 2025-12-02 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I previously held a personal bank account with BMO Bank N.A . The bank closed the account and informed me that a refund check for the remaining balance would be mailed to the address they had on file. According to BMO, the check was issued and mailed, but I never received it because I had changed my address during that period.

After realizing the check had not arrived, I contacted BMOs customer service several times ( most recently in the past few weeks ). Each time, the representatives told me that they could not assist me over the phone and that the matter would be investigated or escalated, and that I would receive a follow-up email. I never received any email or update from the bank.

I have repeatedly requested that BMO : Confirm whether the original check was cashed, Place a stop payment on it if necessary, and Reissue the check to my updated address. 

To date, none of these requests have been completed, and I have received no written response. 

As a result, I still do not have access to the funds that were in my account at the time BMO closed it. I am requesting assistance in having BMO investigate the missing check, confirm its status, and reissue the funds owed to me.

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 2025-12-02 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: FL

Complaint narrative:
I received an oil change at XXXX. They damaged my car. I disputed the charge in the amount of {$94.00}. In the interim, XXXX agreed to give me a refund, and issued a credit slip. The refund never processed. I submitted the credit slip ( refund ) to Citi, and they will not remove the charge.

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 2025-12-02 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain items that appear on my credit report, as listed below. I believe these entries are incorrect and should be investigated, corrected, and removed where applicable, in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX ( XXXX Date : XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Equifax Dispute Statement I am disputing the following accounts on my Equifax credit report : Charged-Off Accounts XXXX : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of certain items on my credit reports. These items appear to be erroneous or incomplete, and I kindly request a thorough investigation to ensure the integrity of my credit file. Below, I have outlined the accounts in dispute, separated by each bureau : INQUIRIES TU : Dear Sir/Madam, I am disputing the following inquiry on my TransUnion report. I believe this inquiry was not authorized or was inaccurately reported. I request a thorough investigation to ensure the integrity of my credit file. 

XXXX XXXX, XX/XX/year> LATE PAYMENT TU : Dear Sir/Madam, I am disputing the following late payment reported on my TransUnion report. I believe this entry is incorrect, and I request a full investigation into this matter to ensure that my payment history is reported accurately. 

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 non-monetary relief
Consumer complaint received 2025-12-02 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: DE

Complaint narrative:
It is frustrating and honestly overwhelming to see that the same inaccurate accounts continue to appear on my credit report with no changes. I need the documents I submitted to be reviewed thoroughly so I can finally feel some relief from this constant XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am writing to dispute the following information on my credit report as it contains inaccuracies and needs to be corrected. The details of the disputed accounts are as follows : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-12-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On Friday, the XXXX of XXXX, a check in the amount of XXXX was deposited into my Arvest Checking account. Later on the same day, a hold was placed on the account due to " too many overdrafts ''. I called to get the check verified and cleared in which they totally ignored the request or the supervisor was to lazy to get the check verified for funds. This in turn caused my bills that were coming out to be returned along with an over drafted account. In which they were complaining about to begin with. If the bank had done their due diligent and actually researched our account, they would have discovered that our account was hacked which was the cause of some of those OD fees. How can you expect a consumer to not OD on their account when you willfully refuse to work with the consumer and verify a check. I'm sure if we had XXXX  hair and XXXX  eyes, this absolutely wouldn't have been an issue

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 2025-12-02 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: FL

Complaint narrative:
I am submitting this complaint because my consumer report contains false address information, an account I do not recognize, and multiple inquiries that I never authorized. These errors violate federal accuracy standards and continue to harm me. I am requesting full reinvestigation and deletion of every item that can not be verified with proper documentation. 

ADDRESSES XXXX XXXX XXXX, XXXX, CA XXXX This address has no connection to me and should not exist in my file. Under FCRA 602 ( A ) and 607 ( B ), you are required to maintain maximum possible accuracy, yet this address remains even though I have never lived there. It creates a misleading consumer profile and exposes my report to identity-mixing errors. I am requesting immediate deletion of this inaccurate and unverifiable address. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I have never lived at or been associated with this address. Under FCRA 611 and 609, any information that can not be verified must be removed. This address is harmful, inaccurate, and continues to violate my rights. I request immediate removal. 

ACCOUNT XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1400.00} I have no knowledge of this account and it is being reported as a charge-off without any proof of ownership or contract. Under FCRA 602 ( A ), 607 ( B ), 611, and 609, you must verify the accuracy and ownership of all accounts. If XXXX XXXX XXXX can not provide legally valid documentation showing that I opened this account, used it, and agreed to its terms, this account must be deleted. You are required to ensure the information is accurate and verified, not assumed. I am requesting full deletion. 

INQUIRIES XXXX XX/XX/XXXX This company did not have my permission to access my consumer report. Under FCRA 604 ( a ) ( 3 ) a permissible purpose is required. If they can not show a legally valid authorization, this inquiry must be removed. 

XXXX XX/XX/XXXX This inquiry was done without my consent. Under FCRA 602 ( A ), 604, and 611, any inquiry lacking permissible purpose must be deleted. I did not authorize XXXX to obtain my report. 

XXXX XXXX XX/XX/XXXX I never applied for credit or provided authorization for this company to pull my report. If XXXX CARD can not show written or documented authorization, you are required under FCRA 604 and 611 to delete the inquiry. 

I request a full investigation, corrective action, and removal of all unverifiable items. My consumer report must reflect only accurate, lawful, and fully verifiable information.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited a legitimate check into my Capital One account yesterday. After several confusing emails about the release of my funds, and multiple transfers from representatives the check was finally confirmed and verified, but while all of this was happening, my account was suddenly restricted and then closed. Capital One is now holding my funds with no timeline, and claiming no way to reach the investigation team handling my case other than email. 

I have been told repeatedly that representatives can only email the investigators and can not tell me when my check will be released or returned. This is completely unacceptable. 

This situation is causing major financial hardship. I am a single parent with children to support, and I urgently need access to my money for essential expenses. Capital One is withholding verified funds with no real transparency or reasonable resolution. 

Requested Resolution : 1. Immediate return of my verified check. Overnighted to my home.

2. A clear written timeline for when the remaining balance will be sent.

3. Documentation explaining the account closure and fund hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the following items on my credit report. Below are the details of the accounts in dispute : Charged Off Accounts : BANKCRUPTCY, XXXX XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXL 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 non-monetary relief
Consumer complaint received 2025-12-02 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation