vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
got email from capital one bank that capital one will close ALL my bank account and close ALL credit card account. I call bank and ask the reason why they decide to do that they can not give me the reason i understand that bank have the right to close the account but i am a good client i be with capital one for almost 20 years never pay late i have good credit score no bounced check no overdraft in the past. i have both personal and business account with capital one. it is very hard time for me if i have to change everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
I filed an active insurance claim with Securian ( Regional Finances own contracted insurer ) after losing my job. The insurance representative, XXXX XXXX, confirmed in writing that my payment was approved and sent to Regional Finance on XX/XX/year>. Despite this, Regional Finance continues to call and send letters demanding payment, completely ignoring both the proof I provided and their own insurers confirmation. 

This is harassment and a complete breakdown of internal communication between Regional Finance and XXXX. I have forwarded every document, including XXXX email confirmation and my XXXX proof, to the XXXX branch ( attention : XXXX XXXX XXXX, yet they continue to behave as if no payment was made. Regional Finances conduct is negligent and deceptivethey are contacting me over a balance that has already been satisfied through the insurance policy they sold me. They are embarrassing themselves and misleading customers by not even coordinating with their own insurance partner.

I am requesting immediate confirmation that my account reflects the insurance payment, that all calls and collection attempts cease, and that Regional Finance issue written acknowledgment correcting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I am filing this complaint because Barclays Bank Delaware is reporting inaccurate, misleading, and unlawful information on my credit reports, which has caused me significant financial harm. Barclays sold this account to XXXX XXXX XXXX, yet continues to furnish derogatory data, charge-off information, and late payment history after the account was sold. 

Across Experian, TransUnion, and Equifax, Barclays is reporting : inconsistent date updated entries charge-off updates AFTER the debt was sold late payments recorded AFTER the debt was sold different balances and dates across bureaus conflicting statuses duplicate derogatory reporting alongside XXXX This violates : FCRA 1681e ( b ) inaccurate and inconsistent reporting FCRA 1681s-2 ( a ) ( 2 ) duty to update information after sale/transfer FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 1681i ( a ) failure to properly reinvestigate NO REAL INVESTIGATION WAS DONE :XX/XX/XXXX explicitly shows Completed investigation consumer disagrees. This proves Barclays verified the account without providing documentation and without conducting the reasonable investigation required under FCRA 1681i ( a ). Barclays could not have verified an account they sold and no longer own. Verification without documentation is a direct violation of FCRA 1681s-2 ( b ), which requires furnishers to investigate and validate disputed information before continuing to report it.

Because Barclays no longer owns this account, they can not legally verify or furnish any data related to it. Their continued reporting is misleading, harmful, and unlawful.

This ongoing inaccurate reporting caused : higher auto loan interest rates credit denials lowered credit score financial hardship and stress

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 2025-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate items on my credit report, and they have not corrected them after my dispute. Experian is showing an address, XXXX XXXX XXXX, FL XXXX, that does not belong to me and has never been connected to me in any way. This is completely inaccurate. 

Experian is also reporting several accounts with late payments even though I have never been late on any of them. These accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$650.00}, XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$2400.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$4600.00}. The payment history Experian is reporting is wrong and does not reflect my actual on-time payments. 

There is also a collection account showing under XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$880.00}. I have no knowledge of this account, no validation was ever provided, and it should not be reporting on my credit file. 

I am requesting CFPB assistance because Experian has failed to correct these inaccuracies even after being notified.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hi XXXX, XXXX XXXX XXXX reduced my credit limit even though I have never missed a payment and

have consistently paid my balances on time. This sudden change significantly increased my credit utilization and caused a drop in my credit score. I am requesting that the original limit be reinstated or that a proper explanation be provided. The reduction appears to be arbitrary and negatively impacts my credit profile despite my responsible account management.

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 2025-11-19 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Experian is posting that I have a late payment recently which is completely false. I have some past debts associated with a few collection agencies. In an attempt to make me pay, they are violating the FCRA by re-aging my debts as new debts that are somehow categorized as late payments. This attempt to make me pay by resubmitting my old debts as new late payments is illegal. They do this to force you to pay or your credit score will keep going own. XXXX customer service is a complete fraud that prevents any kind of resolution. You cant get a live person no matter what you do. Credence Resource Management LLC is the company that is re-aging my debts as a new late payment which is illegal under the FCRA. Two other collection agencies of concern are XXXX XXXX XXXX and XXXX XXXX XXXX. They may be involved in the re-aging of debts which is illegal under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. Portfolio Recovery ( Equifax ) Violations Account : XXXX XXXX XXXX XXXX Bank {$950.00} VIOLATIONS FOUND These items violate the FCRA ( Fair Credit Reporting Act ) and/or FDCPA : * Reporting Open Account * Collections MUST be reported as CLOSED accounts, not open. 
This is a blatant accuracy violation. 
FCRA 15 USC 1681e ( b ) bureaus must maintain maximum accuracy.

* No account status listed * Status is blank. Every account must show status ( collection, closed, etc. ).

Violates FCRA 609, 611, 607 ( b ).

- Reporting a Past Due Amount ( {$950.00} ) * Collection accounts can not report past-due balances. Past-due is only for original creditors.

-Violates FCRA, Regulation V, and Metro 2 Reporting Standards. 
* Reporting incorrect Date Opened ( XX/XX/year> ) -Debt buyers can not open a new account on your credit file. 
This is considered re-aging, which is illegal. 
-Violates FCRA 623 ( a ) ( 5 ).

* Incomplete data ( missing terms, missing account history ) Equifax is publishing data that is incomplete and misleading.

* Violates FCRA 607 ( b ) full, accurate, and complete reporting required.

2. Midland Credit Management ( Equifax ) Violations Account : XXXX XXXXXXXX XXXX {$1000.00} VIOLATIONS FOUND : * Reporting as Open Account -A collection CANT be labeled as open. 
It must be : Collection Closed Charged-off Purchased by debt buyer -Illegal under FCRA 1681e ( b ).

* No Status Provided Status is blank FCRA requires a full status.

- Violates FCRA 609, 611.

* Reporting Past Due Amount ( {$1000.00} ) Again collection accounts can not report past due.

-Violates Metro 2 and FCRA .

* Wrong/Unverifiable Date Opened Debt buyers must use : DOFD ( Date of First Delinquency ) NOT Date Opened for their internal purchase date.

- Misleading illegal re-aging- Violates FCRA 623 ( a ) ( 5 ).

The collection account is reporting inaccurately and incompletely.

It is reporting as an Open Account, which is incorrect for collection accounts.

It also shows a past-due amount, which is prohibited for third-party collections.

The Date Opened is incorrect and appears to be re-aged.

Additionally, the account lacks required status fields, making the information incomplete and misleading.

Please delete this account under FCRA 1681e ( b ), 609, 611, and 623.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I first disputed the XXXX XXXX  XXXX account on XX/XX/year>, and I want to emphasize that TransUnion is the only bureau reporting this account. No other bureaus are reporting it. This account was originally deleted, but TransUnion has failed to properly validate it. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), the furnisher must verify the accuracy of the information before it can be reported. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ), TransUnion should have notified me within 5 business days of the results of the investigation. However, TransUnion has not provided any proof of validation. Despite multiple attempts to resolve this, the account remains on my credit report. I am requesting that this account be removed immediately, as it is unverified. The second account is the XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) account ( Account Number : XXXX ). I am not aware of this account and was never notified about it before it appeared on my credit report. I contacted TransUnion and requested proof of their authorization to collect or report this account, but they failed to provide any documentation or verification. Therefore, I am requesting that TransUnion delete this account from my report, as it is not mine. TransUnion, as a Credit Reporting Agency ( CRA ), is required to investigate the legitimacy of accounts before reporting them on my credit file, and this account has not been properly validated. I have already filed complaints with the Federal Trade Commission ( FTC ) regarding these issues, but my attempts with TransUnion have not been successful. I am seeking the CFPBs help in resolving these disputes, as these unverified accounts continue to harm my creditworthiness. I am beyond frustrated with the continuous reporting of these unverified accounts. It is incredibly frustrating to have to deal with these issues repeatedly, especially when the accounts are not verified and should not be reported. I demand that these accounts be permanently removed from my credit report, and I expect immediate action to ensure that this issue is resolved once and for all. This must be the last time I deal with these unverified accounts, and I insist that CFPB take permanent action to remove these accounts from my credit report. I do not want to see them on my report again.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a new American Express XXXX XXXX account and added it as a payment method for my Amex platinum card. I entered the full routing and account numbers, but I had no way of knowing the system had cut off the last three digits : this was only revealed to me later by an Amex representative. 

I initiated a {$10000.00} payment. When my account suddenly showed available spend as {$0.00}, I immediately called American Express because I knew something was wrong. During that call, the representative informed me for the first time that the system had truncated my bank account number and that the payment would be returned. 

I was explicitly instructed to wait for the returned payment before making another payment. I was told this was the correct procedure. I followed their instructions exactly. 

I was also advised if i wanted to have funds available to make a separate {$10000.00} payment to my business checking account, which I completed on XX/XX/XXXX and XXXX. 

Today on XXXX XXXX, I was told my account was being closed because I did not make a payment the same day, which directly contradicts what I was instructed. At no point did anyone tell me to make a same-day payment. The only instruction given was to wait until the returned payment posted, and then re-pay, which is exactly what I did. 

I requested a call recording review. The representative XXXX XXXX, ID XXXX, XXXX XXXX, XXXX ) said she submitted it, but I am not confident it will be properly reviewed. The closure appears to be based on incorrect assumptions, misinformation from Amexs own staff, and a system error that truncated the bank account number without my knowledge. I have been a good client since XXXX  and this is completely unfair treatment. The money was fully available in my business checking account to cover the funds, it was not a situation where I attempted a payment without sufficient balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
UCB sent a collection letter in the amount of XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy.

These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay.

Resolving this issue is not just necessary it is absolutely critical.

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested for LVNV FUNDING LLC to provide me with a copy of my 1099c. The full securitization details such as the date of closing. The name of the trust and assignment contract. I also need to see a letter of full validation, including itemized statements and contracts. I need proof that this account is legally enforceable. FCRA 1681 s2b. I've submitted dispute after dispute to no avail. These companies shouldn't have time to keep ruining my credit. Please delete this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and credit score.

I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed but that promise has been blatantly ignored, as they persist on my report.

This inaction is completely unacceptable ; the ongoing presence of these potentially fraudulent entries is deeply alarming and indicates clear signs of identity theft. 
This unresolved matter continues to cause significant emotional and financial harm.

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