vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 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: NY

Complaint narrative:
My XXXX XXXXXXXX account was closed in XX/XX/year>. After closure, I received a small test disbursement check for {$1.00} that was issued on XX/XX/year>, and received on XX/XX/year>. However, the remaining balance from my account has still not been released. 

As of XX/XX/year>, the account balance is still visible in my online banking profile, which means the final closeout disbursement check has not yet been issued. I have contacted XXXX XXXX multiple times, most recently on XX/XX/year>, and XX/XX/year>, and I am always told that my funds are waiting for the team to process. No specific issue date or mailing date has ever been provided. 

It has now been 3 months since account closure, which is an unreasonable delay for returning customer funds. This situation has caused financial hardship and frustration. 

Requested Resolution : I am requesting that XXXX XXXX : 1. Immediately issue the closeout disbursement for my remaining balance. 
2. Provide written confirmation of the issue date and mailing address. 
3. Ensure compliance with federal banking regulations requiring prompt return of customer funds upon account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, and this complaint is to formally document the ongoing harm I have suffered and to seek correction and enforcement of my rights under federal law. 

On or around XX/XX/XXXX, I submitted an FTC Identity Theft Report ( Report # XXXX ) affirming that my personal information was fraudulently used without my knowledge or consent. I reside at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, and have confirmed that only my full name ( XXXX XXXX ), current address, and date of birth ( XXXX ) are accurate identifiers that should remain on file. Any other identifiers are inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ) and FTC Identity Theft Rules. 

My credit reports show unauthorized and fraudulent inquiries from the following companies : 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  These inquiries and accounts were not authorized by me, nor did I apply for any financial products or services with these institutions. I have already submitted my FTC Identity Theft Report to the credit bureaus, requesting that these fraudulent inquiries be removed and that any inaccurate information be corrected. 

Despite this, the disputed entries continue to remain, causing significant credit score damage, emotional distress, and barriers to obtaining housing and credit. The FCRA ( 15 U.S.C. 1681g, 1681c-2 ) requires credit reporting agencies and furnishers to block fraudulent information upon receipt of a valid identity theft report, which I have provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, and this complaint is to formally document the ongoing harm I have suffered and to seek correction and enforcement of my rights under federal law. 

On or around XX/XX/XXXX, I submitted an FTC Identity Theft Report ( Report # XXXX ) affirming that my personal information was fraudulently used without my knowledge or consent. I reside at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, and have confirmed that only my full name ( XXXX XXXX ), current address, and date of birth ( XXXX ) are accurate identifiers that should remain on file. Any other identifiers are inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ) and FTC Identity Theft Rules. 

My credit reports show unauthorized and fraudulent inquiries from the following companies : 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  These inquiries and accounts were not authorized by me, nor did I apply for any financial products or services with these institutions. I have already submitted my FTC Identity Theft Report to the credit bureaus, requesting that these fraudulent inquiries be removed and that any inaccurate information be corrected. 

Despite this, the disputed entries continue to remain, causing significant credit score damage, emotional distress, and barriers to obtaining housing and credit. The FCRA ( 15 U.S.C. 1681g, 1681c-2 ) requires credit reporting agencies and furnishers to block fraudulent information upon receipt of a valid identity theft report, which I have provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, USAA sent me XXXX letters saying they had closed my VISA and AMEX accounts without explaining why. I called USAA on XX/XX/year> to ask if this was in error and why they closed the accounts. The representative refused to explain why over the phone and send they would send a written response. It is XX/XX/year>, and USAA has yet to send any explanation. 

USAA did send a letter to me on XX/XX/XXXX asking me to check my account information and confirm it was correct by XX/XX/year>. But they closed my accounts two months before that deadline expired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: OH

Complaint narrative:
Hey, pls do me a favor and delte my report and file. I'm dealing w som identity theft and didnt give authrization for tht. Could you please delete thse so that I might restore 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 2025-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I recently was targeted in a identity theft, which I suspect is related to litigation and has sought to undermine my access economically. After my device was stolen, I have been locked out of my XXXX account. 

and I am not able to log into my student loan account as a result. I have attempted to reset and work through their systems to update my information. They are reliant on the XXXX infrastructure for this. 

That is problematic with the XXXX matter. I am hoping to avoid default- I am not sure of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: WA

Complaint narrative:
In XX/XX/XXXX, I paid my account in full through Halsted Financial Services. Following that payment, I received a letter from Halsted confirming that the debt had been satisfied and that the matter was considered closed. The letter also stated the account would be updated accordingly on my credit report. 

However, as of XX/XX/XXXX, the account is still appearing on my credit reports without being updated to reflect that it has been paid and closed. I am attaching a copy of the letter from Halsted, which verifies the payment and closure of the account. 

I am requesting that the account be updated immediately to accurately show as paid and closed, or be removed if the company can not verify the accuracy of its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate, unfair, and potentially unlawful reporting of multiple accounts on my credit report. These entries are causing severe harm to my credit profile, financial stability, and overall consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The following accounts are being improperly reported with late payments : 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 XXXXXX/XX/XXXX My Concerns : Duplicate and Inconsistent Reporting Several XXXX accounts appear duplicated with identical balances, opening dates, and payment histories, which constitutes unfair double reporting. 

Questionable Accuracy of Late Payment Reporting The creditors have not provided verifiable proof of the alleged late payments. Without supporting documentation, these entries violate FCRA 609 and 611, which require accuracy and proper investigation of disputed information. 

Failure to Ensure Fair and Accurate Reporting Under FCRA 602 ( A ), consumers have the right to fair and accurate credit reporting. The current entries are misleading, excessive, and disproportionally damaging to my creditworthiness. 

Pattern of Negligence Multiple accounts across different dates show inconsistencies, suggesting systemic reporting errors rather than legitimate delinquencies. 

Requested Action : I request that the CFPB compel the furnishers ( XXXX XXXXXXXX and XXXXDepartment of Education ) and the credit reporting agencies to conduct a full reinvestigation of these accounts. 

All inaccurate, duplicate, and unverifiable late payment notations must be removed immediately. 

I request written documentation showing proof of each alleged late payment, including statements and payment records, as required under FCRA. 

If the furnishers can not provide verifiable proof, these negative entries must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTN : Consumer Affairs RE : Personal Information To Consumer Affairs, Regarding Chapter 41 : 15 U.S. Code 1681, I, as a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there are some inaccurate, inapplicable, and fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to reflect what is correct and truthful. 

Within 30 days from receipt of this letter, the following information needs to be omitted. Please note that upon completion of the request, a new, updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 

Omit the following names as my TRUE name can be verified on my supporting documents identification : LIST ALL THE INACCURATE, MISPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following former 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 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  Attached to this initial request XXXX I have attached my identification. I suspect you would have no issues removing the aforementioned information in a timely fashion. 

Kind Regards, XXXX, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Conduent Incorporated
State: CA

Complaint narrative:
I tried to dispute fraud on my account and I was treated poorly harassed and screamed at for trying to report the fraud on my account I believe this is part of COERCIVE MANIPULATION please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX XXXX I disputed accounts on my credit report for various different reasons including full debt validation, inaccurate information and furnishing my information without my permission. Its now been about a month and a half and i still havent gotten a response.Now the 30 days time limit to respond has passed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LexisNexis XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX FCRA Dispute Correction, Verification, and Legal Notice Dear LexisNexis Consumer Center , I am submitting this formal dispute regarding inaccurate information reported by LexisNexis. This dispute is submitted in accordance with : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Fair and Accurate Credit Transactions Act ( FACTA ) Equal Credit Opportunity Act ( ECOA ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I am also aware of PACER court records and filings related to credit reporting and LexisNexis practices, which underscores my expectation that all investigations must comply fully with federal law and XXXX XXXX standards. 

Items in Dispute : Name Records : 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  / Violation Records : Case # XXXX, Ticket # XXXX Contradictory Evidence : LexisNexis previously responded that these records were not located in my file. However, XXXX XXXX XXXX XXXX  demonstrate that these names are present under Policy # XXXX, XXXX XXXX and Casualty : Quoteback XXXX Quoteback XXXX This contradiction indicates a failure to conduct a reasonable reinvestigation, in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I had an account closed with XXXX on XX/XX/year> which I have an email from them requesting the cancellation. I asked to be cancelled by XX/XX/year>. They told me it will be cancelled but they charged me an extra month even tho they told me I will just have to paid the bill or a credit will be refunded. Nothing happened, In XXXX I have to call back because they didn't cancel the account and tried to charge me another month. I contacted different agents through phone and live chat of XXXX and they assure me they will fix the error and refund the money. After many attempts I decided to contact my bank and dispute the charge and the bank refunded me the money and I cancelled the autopayment which was directed by an XXXX live agent to avoid being charged again. Today I received an email from a Debt Collection company called XXXX  XXXX XXXX and they send me an email collecting a debt from XXXX. I answer the email telling them that I didn't owe any money to XXXX or XXXX. I contacted once again XXXX and they told me that probably was a glitch and they will fix the error showing {$0.00} dollar due and theh told me to wait 30 minutes to receive an email which never happened and I have been trying to resolve the issue with this company since XXXX, in person, by phone and by chat and they always says it's going to be fixed and never happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was the victim of identity theft. Someone tried to open many credit cards in my name, including one that was opened but it was sent to my address not the thief 's. I had that card canceled and reported the identity theft to the bank as well as reported the theft to many other banks who had sent me reject notices for attempts to open cards in my name. So I then also called Experian and had a freeze put on my account. A few months later when I went to remove the freeze, I found that whoever had tried to open the cards also registered an Experian account with my info, so I can not log in to get the freeze removed. The email and phone number associated with the Experian account for my SSN are not mine. I tried calling them a few times but it is impossible to get an actual person on the phone to explain the problem to. So in XXXX, I sent them a lengthy letter in the mail explaining the situation and asking to fix it. Along with the letter, I included a copy of my SSN card, REAL ID, birth certificate and passport. I had the letter tracked and saw that it was delivered in XXXX. I have not gotten a response from them. I need to get this straightened out ASAP. Without doing so I am unable to get any sort of loan due to the freeze that I can't remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than s
even years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than s
even years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief