vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Apartment XXXX XXXX, CA XXXX RE : Discover Product ending in XXXX ( Fraud ) and XXXX ( Replacement ) Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau XXXX CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at Discover. On XX/XX/year>, your account ending in XXXX was closed for fraud, because you stated that you did not make certain purchases on the account. A replacement account ending in XXXX was established. An investigation was initiated on your behalf, which concluded on XX/XX/year>. A letter was sent to you advising you were being held responsible for the transactions. After reviewing your correspondence, your claim was sent for further investigation, which may take up to 30 days. If we need additional information, our Customer Protection Services department will contact you. You may also reach them at ( XXXX ) XXXX. Once the investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau -- - They ended up closing my account, still owe the balance .. they mentioned the investigation is open but they didn't provide provisional credit yet charged me interest for the amount that was under investigation the first time. So not only that I have to deal with headache, fraud and all that goes with it. I have to deal with interest unfairly, dishonest customer service and unfair practices. I disapprove of dealing with discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account.

2 ) I Want to see the original wet signature i agreed to on the contract for this creditor.

3 ) Has there been any insurance claims on this debt?

4 ) I want the chain of title/ custody that you have to collect on this debt.

If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
This item ( Source Receivables Mng ) is inaccurate in reporting to my credit profile, This debt was sold to a third party company without any knowledge and they have an incorrect balance. I am requesting that this item be removed from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
there are unauthorized accounts and inquiries on my credit report. made without my knowledge Accounts : XXXX XXXX XXXX {$800.00} ( XXXX ) XXXX  XXXX {$300.00} ( XXXX ) XXXX {$800.00} ( XXXX ) XXXX XXXX ( XXXX XXXX ) {$1700.00} ( XXXX ) Inquiries XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : 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 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 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 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 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 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unclear Closure of Capital One Credit Card Accounts Dear CFPB Representative, I am writing to file a complaint regarding Capital Ones recent closure of my two credit card accounts, which has negatively affected my credit report and financial goals. 

Capital One closed both my XXXX and XXXX credit card accounts without providing a clear or understandable reason. I was never informed of any specific issue that led to this action. I can confirm that I have never made any late payments on either account. 

The only possible issue may have been an occasional returned payment, which was always resolved on the same day. These incidents occurred due to an outdated debit account that was previously linked to my Capital One accounts. Once I noticed the issue, I promptly corrected it. I believe this is not a sufficient reason to justify closing both of my accounts, especially considering my consistent payment history and responsible usage.

I take my financial obligations seriously and have always respected Capital One as a lender. This unexpected closure is inaccurate and damaging, as it has significantly impacted my credit score at a time when I am preparing to purchase a home. Maintaining a strong credit history is crucial for this major life step, and I feel that this action was unjustified and harmful.

I respectfully request the CFPB to investigate this matter and ask Capital One to provide a detailed explanation for the account closures. I would also like any negative impact on my credit report due to these closures to be reviewed and corrected if deemed unjustified.

Thank you for your assistance in this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : CREDIT COLLECTIONS- XXXX  Account number : XXXX XXXX XXXX XXXX  Account number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX  XXXX XXXX Account XXXX Date Opened XXXXXXXX XXXX XXXX  XXXX Account XXXX Date Opened XXXX XXXX  XXXX XXXX XXXX Account XXXX Date Opened XXXX I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act.

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information.

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B.

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine.

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am disputing the accuracy and legality of XXXX XXXX XXXX account # XXXX, which is being reported on my credit file as a collection account with a past due balance of {$1600.00}. I was never properly notified nor given a lawful opportunity to dispute this debt under the FDCPA. I request certified documentation, including proof of ownership, a signed agreement, and chain of custody for this alleged debt. If XXXX XXXX can not provide this information, I request that the tradeline be deleted immediately from my credit report. Reporting unverifiable debt may constitute willful noncompliance with the FCRA 623 ( a ) ( 1 ) ( A ) and is grounds for formal legal action under FCRA 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and legality of XXXX XXXX XXXX account # XXXX, which is being reported on my credit file as a collection account with a past due balance of {$1600.00}. I was never properly notified nor given a lawful opportunity to dispute this debt under the FDCPA. I request certified documentation, including proof of ownership, a signed agreement, and chain of custody for this alleged debt. If XXXX XXXX can not provide this information, I request that the tradeline be deleted immediately from my credit report. Reporting unverifiable debt may constitute willful noncompliance with the FCRA 623 ( a ) ( 1 ) ( A ) and is grounds for formal legal action under FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/XXXX, I noticed a suspicious inquiry and account from XXXX XXXX on my credit report. I never opened or authorized an account with XXXX XXXX, nor did I request service at any address under my name. 

As soon as I discovered this, I filed an identity theft report with the Federal Trade Commission ( FTC ) and also reported the matter to XXXX XXXX with the XXXX XXXX Police Department. I am currently awaiting follow-up from Officer XXXX. 

This fraudulent XXXX XXXX account has since been sent to collections, and it is now damaging my credit. I have attempted to dispute the account but the issue remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding persistent inaccuracies on my consumer credit reports, specifically concerning medical debt and related collection activities. Despite my repeated attempts to dispute these items with Experian, XXXX and XXXX ( the " Credit Reporting Agencies '' or " CRAs '' ), these agencies have failed to conduct proper investigations and remove the inaccurate information, causing significant personal and professional harm. 

These credit reports contain information related to medical debts that should not be reported. This is in direct violation of federal law and regulations. For instance, I assert violations of the following : 12 CFR 1022.38 ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ) : The CFPB has recently finalized a rule that generally prohibits consumer reporting agencies from including medical debt information on credit reports furnished to creditors for use in making credit eligibility decisions. This rule, codified at 12 CFR 1022.38, is designed to protect consumers from the negative impact of medical debt on their creditworthiness. The continued presence of medical debt and related collection activities on my credit report is a violation of this critical consumer protection ( SEE ATTACHED ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding persistent inaccuracies on my consumer credit reports, specifically concerning medical debt and related collection activities. Despite my repeated attempts to dispute these items with Experian, TransUnion, and Innovis ( the " Credit Reporting Agencies '' or " CRAs '' ), these agencies have failed to conduct proper investigations and remove the inaccurate information, causing significant personal and professional harm. 

These credit reports contain information related to medical debts that should not be reported. This is in direct violation of federal law and regulations. For instance, I assert violations of the following : 12 CFR 1022.38 ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ) : The CFPB has recently finalized a rule that generally prohibits consumer reporting agencies from including medical debt information on credit reports furnished to creditors for use in making credit eligibility decisions. This rule, codified at 12 CFR 1022.38, is designed to protect consumers from the negative impact of medical debt on their creditworthiness. The continued presence of medical debt and related collection activities on my credit report is a violation of this critical consumer protection ( SEE ATTACHED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing a {$160.00} balance reported as owed to XXXX XXXX, which was sold to XXXX XXXX XXXX XXXX without my knowledge or proper notification. 

Details : I discovered this account on XX/XX/year>, while reviewing my credit report. 

I immediately contacted XXXX, who stated the account had been sold to collections. I was never informed of this sale or given notice of a balance due beforehand. 

The last bill I received ( XX/XX/year> ) showed the account as PAID. XXXX now claims a different " final bill '' was sent to an address I no longer reside at. 

Neither XXXX nor XXXX XXXX XXXX has provided any validation of the debt or the chain of custody showing how this account ended up with a third-party collector. 

I received no 30-day notice or opportunity to dispute the debt before it was reported to the credit bureaus, in direct violation of the FDCPA and FCRA.

This debt appears to have been written off and potentially sold, meaning XXXX may have already received financial benefitso why is there still a balance showing as owed by me?

Question to CFPB : If the original creditor received compensation through a tax write-off and sold the account to a collection agency ( who now seeks payment from me ), without ever properly notifying me, does this not raise significant legal concerns regarding double recovery and failure to comply with consumer protection laws?

Request for Resolution : I respectfully request : Immediate deletion of this XXXX account from all credit reporting agencies due to inaccurate and unverifiable reporting. 

An investigation into the legality of the account transfer and reporting process. 

Full documentation proving ownership, notice compliance, and validation of the alleged debt. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I am writing to file a formal complaint and request an investigation into the reporting of late payments a closed account currently appearing on my credit reports. I believe these late payments are being reported inaccurately, unfairly, or without proper documentation, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Accounts in Question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Closed Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Dispute Basis : 1. Lack of Proper Verification and Documentation : Under FCRA 1681i, I have the right to dispute any information that can not be verified. I have not received any proof from the furnishers or credit bureaus showing signed records or internal account logs validating these late payments.

2. Inaccurate Reporting or Data Entry Errors : In some cases, I made timely payments or made arrangements with the creditors, yet the accounts were still reported as late. This indicates possible clerical or system errors.

3. Violation of Fair Credit Reporting Standards : Continuing to report negative payment history without verifying the accuracy or considering payment arrangements made with the creditor is a violation of FCRA 1681s-2 ( b ), which obligates furnishers to report accurate and complete information.

4. Closed Accounts Still Reporting New Late Payments : Some of the listed accounts are closed, yet continue to reflect new derogatory marks, which is misleading and may constitute re-aging or improper negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief