vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-02 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of XXXX XXXX Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within fXXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Dear CFPB, This is my third attempt to request verification of the information, and to date Experian has not provided any documentary validation. 

I respectfully disagree with Experians response CFPB REPORT : XXXX dated XX/XX/year>. 

Account XXXX XXXX. Failure to comply with statutory XXXX deadline. My original dispute letter was sent on XX/XX/year>, by certified mail. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ), Experian had 30 days to complete the reinvestigation. Their response on XX/XX/year>, was well outside this statutory period. Any disputed information that can not be verified within the legal time limit must be deleted. 

XXXX. Lack of actual verification. Experian claims the furnisher verified the information, but no supporting documentation was ever provided to me. Simply marking an item as verified without producing documentary evidence does not constitute compliance with the FCRA. The law is clear : if the disputed item can not be substantiated with proper records, it must be removed. 

XXXX. Furnishing inaccurate late payment data. I specifically cited 15 U.S. Code 1666b and 1637 ( b ) in my dispute. A creditor can not treat a payment as late unless they have proven compliance with the XXXX billing statement rule. No such proof has been produced. Therefore, the late payments reported by XXXX XXXX remain unverified and unlawfully furnished. 

XXXX closed with explanation is not a lawful resolution. The disputed information has not been validated, the statutory timeframe has not been honored, and continued reporting constitutes willful noncompliance under 15 U.S. Code 1681n.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Account in Dispute Formal Demand for Immediate Deletion PORTFOLIO RC | Acct # : XXXX | Collection | {$850.00} To Whom It May Concern, This letter is my formal dispute of the above-referenced account. I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I demand full compliance with federal law. 

Under 15 U.S.C. 1692g ( b ), you are required to provide complete validation of this alleged debt. To be clear : A prior bill, statement, or printout is not legal validation.

I hereby DEMAND that you provide a true copy of the original signed contract/agreement with my signature.

I also DEMAND the complete chain of title/assignment from the original creditor to Portfolio Recovery Associates , proving your legal right to collect.

Without these documents, you have no lawful authority to collect or report this account. 

Further, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), you are prohibited from furnishing inaccurate or unverifiable information to the credit reporting agencies. Continuing to report this account while it remains unvalidated is a violation of federal law. 

Accordingly, I DEMAND that you : Immediately delete this account from all consumer reporting agencies ( Experian, Equifax, TransUnion, XXXX ). 

Cease all collection activity, including letters, calls, texts, or third-party contact. 

Provide the requested documentation within 30 days. If you can not, you must permanently remove this account. 

Failure to comply will result in immediate escalation, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, as well as civil litigation in federal court for damages, attorneys fees, and costs. 

This is your final notice. Govern yourselves accordingly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute the accuracy of entries reflecting accounts I did not authorize. Kindly carry out an exhaustive review and eliminate these listings. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account listing mischaracterizes my payment history and appears inaccurate. I respectfully request its removal after review.

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 2025-10-02 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am reporting a fraud attempt involving my XXXX account. I was contacted by someone pretending to be from XXXX. I first received a text message about a supposed XXXX transaction, followed by a phone call from a number that is not Chimes official line. The caller identified himself as XXXX XXXX and instructed me to : Move my funds to another persons account named XXXX, Provide account access details, and XXXX a credit account. Unfortunately, I followed some of these instructions before realizing this was a scam. I have since blocked the number and reported the incident to both XXXX and Current. The main fraudulent transaction request came from XXXX, directed by the impersonator

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX 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 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " XXXX XXXX XXXX  '' savings accounts. Capital One misrepresented the XXXXXXXX XXXX account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
Experian continues to steal money out my bank account after membership cancelation. They offered me a trial period and tried to steal money before the trial period was up. When I noticed the first time they tried to debit my account, I cancled the services immediately. Here we are today, Experian has debited my account for {$24.00} and says it's for XXXX membership fees. I can not contact them by phone because it's automated machine refuses to connect to a live agent. This company needs to be penalized for this.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
navy federal acces number XXXX number my card number XXXX was stolen while i was XXXX in XXXX. and the robber used my card in XXXX XXXX and online. 
total amount is around XXXX XXXX $ all transaction made in XXXX and with a website called XXXX in XX/XX/year> i was XXXX in XXXX that whole month i provided navy federal with the hospital bill and dates on it showing and proving i was in a different country from where my card was being used so i could not possibly be in XXXX different country at the same time! i also added a police report. 
even with a prove like this navy federal refuse to protect me and apply their policy of their customer is not liable for any fraud transaction and reimburse me the money. worst they refuse to say why i have asked multiple times their documentation as to why they denied it and they refused to send anything or tell me. so i want my money back i expect navy federal to reimburse those fraudulent charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: GA

Complaint narrative:
LJ Ross [ Creditor Address ] Re : Account # XXXX FINAL DEMAND FOR DELETION DUE TO FRAUD, IDENTITY THEFT, AND FCRA VIOLATIONS To Whom It May Concern, This is my final written demand regarding the above-referenced account you are attempting to collect and report.

I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization due to your continued violations of the Fair Credit Reporting Act ( FCRA ).

As you are aware : - Under 15 USC 1681g, you were required to provide me with full disclosure of the documents you are relying upon to claim this debt ( including a contract with my signature, account history, and verification of ownership ). You have failed to provide this within the required timeframe.

- Under 15 USC 1681a ( 4 ), any consumer report must only contain accurate and verifiable information.

Continuing to furnish unverified and fraudulent data is a direct violation of federal law.

- Under 15 USC 1681i and 1681s-2, once notified of identity theft and a dispute, you are legally obligated to conduct a reasonable investigation and remove unverifiable data. You have failed to comply. 
Since I have already provided an FTC Identity Theft Report and you have failed to validate this debt within 30 days, you are now in willful violation of federal law. 
Accordingly, I demand that you immediately and permanently delete this account from any and all consumer reporting agencies. 
If this fraudulent account remains on my credit file beyond 15 days from receipt of this notice, I will initiate civil litigation against your company under 15 USC 1681n and 1681o, seeking : - Statutory damages ( {$1000.00} per violation ) - Actual damages, including emotional distress and credit harm - Punitive damages for willful noncompliance - Attorneys fees and court costs This is not a request it is a final demand. You have been put on notice. Failure to comply will result in immediate escalation in federal court.

Sincerel

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX called capital one and talked to an escalation manager and told her i wanted to pay my truck payment in advance till XXXX of XXXX as i did last year due to the fact i, m in and out of the country.she caculated the amount and told me it would be XXXX she told me it would be best to pay on line and wait 2 to 3 business days i did payed it right away she said she would call once funds cleared the bank .they called but didnt leave a message so i assumed everything went as planned since i had already did it as early as last year and they did it correctly ... XX/XX/XXXX after getting calls from capital one even thought they didnt leave a message i decided to call and was told my truck payment was 3 months behind by a escaulation manager by the name of XXXX after i told her that it was not and the XXXX was suppose to take care of all payments thru XX/XX/XXXX she put me on hold and came back and sort of appologized and told me the payments had been applied wrong and it would take 3 business day to apply the payment correctly and she would call me back at the end of business day she didnt so i called the presidents office and spoke with a guy by the name of XXXX  and was told he already knew what was going on and would be contacting me monday due that everything would have to be entered manually to apply the funds correctly he never called today i called to see if everything was cleared up they refuse to tell me my truck payment now is 58 days past due still no answers and they have totally ruined my credit i want this straighten out asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation