vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Card got stolen. I verified who I was and they sent me a new card. Now my account is restricted and they keep asking for more and more stuff and not helping me or telling me why my account is restricted. This is capital one. I have been at this for over two weeks and they keep starting the process over with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dear Elan/XXXX XXXX XXXX It's reporting that i owed {$400.00}? I paid this already. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 disputing unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize these accounts and inquiries. Nor did I give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a made a mulitiple payment on my XXXX XXXX credit card using my capital XXXX bank dated XXXX and XXXX XXXX, XXXX with different amount all of it was returned. This is the credit card I always have a problem everytime XXXX making a payment. I call my bank the XXXX XXXX  and I told them what happened. I was told there is no transaction I that I paid of that amount but it was registered on my XXXX XXXX credit card that I made a payment multiple times but it was returned. I was told by XXXX XXXX that i told to my bank to stop the payment. I said I did not ask my bank to stop the payment because I used that bank to pay all my credit card. But I still get the returned fee {$41.00} every time i made a payment added to my balance. I ask the supervisor to make a XXXX way to call to verify to my bank but she refused. I open a new account with the same bank in order to fix this. I was reported to XXXX XXXX XXXX XXXX on my credit report because of this incident even I have a good credit score. I tried to open a credit card I always get denied because of this. I told to XXXX my concern is to paid off my balance that all I care but no help with them. I will attach some of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies on my credit reports that have been reported by XXXX XXXX XXXX XXXX Experian and Equifax, which misrepresent my financial history, create a false perception of delinquency, and have negatively affected my creditworthiness and ability to access financial opportunities. On Experian, my XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/year>, is incorrectly reported with a balance of {$12000.00} and late payments spanning 30, 60, 90, 160, and 180 days, none of which accurately reflect my payment history, as I have consistently made payments in accordance with my agreement. Similarly, on Equifax, the same account ending in XXXX, opened on XX/XX/year>, is reported with a balance of {$12000.00} and late payments of 30, 60, and 90 days, which are also inaccurate, reflecting an exaggerated delinquency timeline and creating a misleading impression of financial irresponsibility.

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 2025-11-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
We decided to stop using paypal in XXXX  as they are getting to difficult to do business with. Prior we did up to $ XXXX per year with them. We stopped all transactions. Our last transaction was to transfer out the remaining balance on XX/XX/year> for {$100.00}. We were going to close the account but forgot. We didnt use it any longer. See attached activity screen shot. 

A customer on XX/XX/year> sent a payment of {$2200.00} off of an old invoice which showed the paypal account. We tried to transfer the funds out put could not. Seeing as the account was not use for a period of time, paypal wants us to provide, photo ID, passport, proof of fullfillment, proof of purchase from our supplier, more info on our transactions, explain account activity. See attached file with what they are asking for. 

On XX/XX/year> I called paypal and spoke with a gentleman who seemed very knowledgeable. He said it was a verified account for years, he didnt see a problem getting it resolved. He put it into the back office group and figured it would take a day or so. 

Today on XX/XX/year> I tried to transfer the money out. It didnt work. I tried to refund the customer, it didnt work. I called paypal, I got a person who explained I need to fill out all the info to get the monies released. I can not transfer the money out, and I can not refund the customer. I asked them to refund the customer They could not. I explained I am closing the account what happens if I do nothing. They said the funds would go to the state. 

Paypal is asking for unbelievable amount of information to get the account functional, in the mane time they are holding the funds. Refund the funds to the payer, we will get paid another way. Then close the account so this can not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Zelle transactions were pursued and was reported but it was legit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CT

Complaint narrative:
I opened an installment auto loan account with XXXX XXXX which after several months sold the account to XXXX  XXXX XXXX. During the transition one of the companies mishandled my account and posted my on time payments as late for several months. I called on different occasions to both Banks to request a correction of their report, resulting in no action from their end. They neglected my request to correct this inaccurate information on my credit report and they did nothing. Then, I recurred twice to open a complaint with the 3 credit bureaus and submitted letters stating the facts and claiming how this erroneous report has severely impacted negatively my credit report and has caused severe effects on my ability to open new accounts causing a lot of financial detriment to me and my family and as of today, I have not had any positive results from the 3 of them.

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 2025-11-18 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: NV

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The account in questionXXXX XXXXXXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-18 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6100.00} OFFICE OF THE ATTY GEN # XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$7400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Reviewing my credit report there is a hard inquiry from XXXX XXXX XXXX from XX/XX/year> on my transunion report that I did not knowingly authorize, have no knowledge of and I am requesting it be removed. I have attached a copy of FTC report that was completed regarding this unauthorized inquiry. I have attached a copy of my driver 's license and bill for proof of address

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 2025-11-18 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: SC

Complaint narrative:
I XXXX XXXX, XXXX, DOB XXXX XX/XX/year> am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, XXXX  credit reporting agency , Experian credit reporting agency , 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. This fraudulent, inaccurate, and false information consist of personal credit card account opened at XXXX Account XXXX, Bankruptcy, XXXX  account XXXX, XXXX  XXXX account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a FTC Identity Theft Criminal Complaint # XXXX as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX -- Balance : {$690.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$2300.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$210.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXX NCB # XXXX -- Balance : {$3900.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$690.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
United Auto Credit Corporation repossessed my vehicle ( XXXX XXXX XXXX, XXXX XXXX ) on XX/XX/XXXX, and never issued any Notice XXXX XXXX, Intent to Sell, or Post-Sale Accounting as required by state and federal law. 

The repossession was executed by XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX ). I have not had physical possession since the repossession date. Despite repeated written requests, I received no information regarding the sale, remaining balance, or location of my personal property. 

UACC and its agent have ignored all communications. I am demanding verification of their compliance with notice and mailing requirements under 12 Pa.C.S. 6254 and UCC 9-611, and confirmation of the method, address, and tracking of any notices allegedly sent. 

In addition, personal and business property, including an XXXX XXXX containing private data, remains missing. 

I request immediate regulatory investigation and consumer relief, including documentation of notice compliance, reimbursement for lost property, and confirmation that no deficiency balance or fees will be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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