vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: TN

Complaint narrative:
Previous dispute XXXX, the company lied and said that the account that was restricted was unrestricted in XX/XX/year>. This is untrue as the account was never unrestricted, what actually happened was the company closed the account as reported to the credit bureaus. On XX/XX/year>, the company ( CAPITAL ONE ) sent a letter to the CFPB to resolve the dispute stating the account was unrestricted. However, when I disputed this with the credit bureaus, the company reported that the information it sent to the bureaus was accurate and that the account was closed in XXXX ( closed by credit grantor ). 

My understanding is that it is not legal for a credit card company to mislead the Consumer Financial Protection Bureau ( CFPB ). Providing inaccurate information to the CFPB about an account 's status, especially in a way that suggests a complaint was resolved when it was not, can be considered a deceptive practice that violates federal consumer financial law. 

In my situation, telling the CFPB an account was " unrestricted '' in XXXX when it was actually closed in XXXX should be seen as a deceptive act. 

Racial discrimination is the only reason for their deception as I stated before they wanted picture ID of me and after receiving they restricted and eventually closed the account. They have offered no legal justification. In fact, they told me and the CFPB that the account was restored and in good standing ( as if I could resume usage ) but in fact the account was closed and reported as such to the bureaus. Their actions have hurt my credit score, ect. 

I ask that the CFPB levy a {$10000.00} penalty as compensation paid to me as that is the amount of credit limit I lost in the deception. Such racists acts by the company should not go unpunished. 

I have provided proof with this complaint of their lies and misrepresentations. I believe their actions also violate the FCRA.

Page 10 of the attached credit report/dispute resolution shows where they closed the account in XXXX and their confirmation of that status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cheadle Law Firm
State: TN

Complaint narrative:
Summary of Complaint : I dispute an alleged debt being handled by Cheadle Law on behalf of XXXX XXXX. The debt is not currently reporting on my credit file, but collection attempts are unlawful and in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 15 USC 1692. 

Violations : 1. Failure to Validate Debt Cheadle Law has not provided the following despite my written dispute : Assignment contract/flow agreement Bill of sale and proof of transfer Full account-level breakdown of balance Proof of licensing in my state Original signed contract 2. Unlawful Collection Tactics Phone contact at my job is prohibited under FDCPA. 
Attempting to serve me at my workplace is harassment and invasion of privacy. 
Continuing collection without validation is a violation of federal law.

3. Illegal Sale of Debt & Data It is unlawful for XXXX XXXX to both sell the alleged debt and transfer my personal identifying information without my consent. 

Relief Requested : Confirmation that Cheadle Law is licensed to collect in my state.

Immediate provision of all documentation requested.

Cease and desist of all contact at my job. 
Deletion/closure of the alleged debt. 
Monetary relief of {$1000.00} per violation.

Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN 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 2025-09-07 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute a collection account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. 

I have already filed a report regarding this identity theft on IdentityTheft.gov and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. 

Please find the following documents attached to support my dispute : 1. A copy of my FTC Identity Theft Report.

2. A copy of my government- Issued ID 3. Proof of address 4. Any additional documentation that may strengthen my case I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. 

Thank you for addressing this urgent issue. 

Sincerely, [ 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 2025-09-07 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
I recently checked my latest report and noticed multiple accounts reporting negative and fraudulent on my behave I plan to take it to the fullest extent and remove them to clear my name

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I called XXXX for the extension on my car 's monthly payment. I was qualified for the extension because it has been XXXX payments, and I had a good reason for the extension, which is financial hardship due to health, when I called, the representative named XXXX answered the call and I explained to her my concern but she denied my request for no reason, and she threatened me that if I don't make payment my car will be on the reposition, she said I am not qualified for extension which is not correct because i am eligible. On the same day, I called and requested the supervisor, but there was no supervisor. And another representative named XXXX picked up the call. When I told him my concern, he asked me some questions, and he told me that I am eligible for the extension. 
XXXX XXXX did not tell me that he would send me documents to sign ; all he said was, " I will grant you an extension until XXXX. He did not send me any documents to sign via email. On XX/XX/XXXX I received it call from XXXX telling me that i didn't make payment for XXXX and XXXX, I said no I requested extension and it's approved, the representative said no your extension is denied because i didn't sign the documents, I said no I didn't receive any documents to sign and they didn't tell me about the documents to be signed. On XX/XX/XXXX, I called them and told them that I had never received any documents, and I had to request another extension. The request was approved, and they sent me the documents to sign. The next thing I know is that XXXX reports to the credit bureau that I am late on my payment for the month of XXXX, which drops my credit score. I did not make the payment late ; they are the ones who made the mistake and did not send me any documents to sign on the XXXX of XX/XX/year>.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX  disputing this account/ information because my personall data was illegally accessed during the recent TransUnion data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. 
Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

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 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint regarding a rental collection account that is being reported inaccurately on my credit reports. The account is not mine. 

This collection account is reporting under a name that is not mine and connected to an address that is not associated with me. I have already disputed this address with the credit reporting agencies, and it has been removed from my file. Therefore, the continued reporting of this account is inaccurate and unlawful.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), the credit bureaus must follow reasonable procedures to assure maximum possible accuracy of information. Reporting an account with the wrong identifying information violates this standard. Additionally, under FCRA 1681i, I have the right to dispute inaccurate information, and if the account can not be verified as accurate and belonging to me, it must be deleted.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 8 ), a debt collector is prohibited from communicating or reporting credit information they know or should know to be false. Reporting a debt tied to the wrong name and address is misleading and violates this section.

Because this account does not belong to me and is tied to an address that is not mine, it appears to be either fraudulent or the result of identity theft. Under FCRA 605B, once a consumer notifies the bureaus of identity theft, the account must be blocked from their credit reports within four business days.

I am requesting the immediate permanent removal of this rental collection account from all of my credit reports ( Experian, Equifax, and TransUnion ).

I am also requesting that the collection agency be required to cease reporting this inaccurate account, as it is in violation of both the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I have a Citibank credit card. My limit on XX/XX/year> was {$5100.00} and my balance was around {$5100.00}. I went in to make a payment for {$200.00} but accidentally overpaid it for {$2000.00}. Since it was XXXX XXXX in between the payment didnt post till XXXX. I tried contacting them to refund the {$1800.00} over payment. Turns out on XXXX after receiving my {$2000.00} accidental payment, they ended up lowering my credit limit from {$5100.00} to {$3200.00}. Now they are refusing to fix the error of overpayment by saying I will be over my limit. Even though when I first made the payment my limit was {$5100.00}. I tried contacting them multiple times. They have transferred me from customer service to fraud to credit limit increase then to account supervisor and theyve all said they cant do anything. One of their employees, XXXX XXXX said I should contact my bank and have them do a fraudulent transaction review to get my money back. Citibank has been very unprofessional. Please assist as Ive lost valuable time and effort trying to get though to 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 2025-09-07 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This debt showed up on my credit report on XXXX, XXXX. This company has not provided a right to dispute notice or any information used to collect this debt. By law this debt must be verified before any attempts to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am filing a complaint because my credit report still shows a repossession with XXXX XXXX XXXX account number XXXX, which is incorrect and does not belong to me. I have already disputed this directly with the credit bureau, but they responded saying the account was 'verified. ' That response is inaccurate, as the reported account number does not correspond to me, therefore, this information is erroneous and is unfairly damaging my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), I request : An immediate reinvestigation of this account. Clear information on the verification method used by the credit bureau. The immediate removal of this inaccurate information from my credit reports, as it affects my access to fair credit and constitutes a violation of my rights as a consumer. I demand that this situation be corrected as soon as possible and that I be notified in writing once the account has been deleted.

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 2025-09-07 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: CO

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-09-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/, Experian reported an account as charged off/ written off with a balance of {$2500.00}. This is inaccurate and misleading because the account can not simultaneously be written off and still show a balance due. 

I disputed this account with Experian, but instead of providing any documentation from the original creditor ( such as a signed agreement or itemized account history ), Experian marked the account as verified. This is not a proper reinvestigation. 

This violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) : Experian must ensure maximum possible accuracy of consumer information. Reporting a charge-off and written-off status with an active balance is contradictory and inaccurate.

FCRA 611 ( a ) ( 1 ) ( A ) : Experian must conduct a reasonable reinvestigation of disputed information. Simply verifying without documentation is not reasonable.

FCRA 611 ( a ) ( 5 ) ( A ) : If an item can not be verified, it must be deleted.

FCRA 609 ( a ) ( 1 ) : I requested the source of the information, but Experian did not provide original documentation from the furnisher.

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 2025-09-07 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: Kriya Capital, LLC
State: NY

Complaint narrative:
This complaint is regarding a collection account that has been repeatedly re-reported under different companies. 

Originally, the alleged XXXX account was reported by XXXX XXXX. I disputed that account, and it was removed from my credit report in XX/XX/year>. 

Recently, the same alleged debt has now reappeared under a different collection company, Credence Resource Management , LLC ( reference no. XXXX ). 

I believe this is duplicate and inaccurate reporting of the same debt that was already removed. I am requesting that Credence provide full validation of the debt, including documentation from the original creditor and proof of their legal right to collect. Until proper validation is provided, I am asking that this account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-07 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: GA

Complaint narrative:
I was victim of ID Theft, I pulled my credit report and noticed a account I did not apply for or authorize. I instructed to file a incident report and ID Theft Affidavit.

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