vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/scrub>, 2025, I discovered my Capital One account had been restricted. Upon contacting Capital One customer service, I verified my identity over the phone but was informed I could not be given any details regarding the restriction. I was instructed to submit identification documents via the designated email upload process. 

I promptly submitted the requested identification the same day. 

After receiving no follow-up communication or resolution for over a week, I followed up via phone on XX/XX/scrub>, 2025. During this call : I was informed there were concerns regarding my identity, yet no specific details could be shared with me, despite successfully logging into my account and verifying my identity multiple times. 

I was told that Capital One had lost the identification documents I submitted the previous week. 

I expressed my discomfort with resubmitting sensitive identification after it was mishandled. 

The representative stated I would not regain access to my account without resubmitting the lost documentation and that there was no higher escalation point or supervisor available to discuss the issue. 

At this time, my account remains inaccessible without a valid explanation, and Capital One has mishandled my personal identification documents without accountability or clear next steps. Additionally, despite them allowing me access to my account Capital One fully expects me to provide them with timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$10000.00}

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 2025-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Comerica
State: MI

Complaint narrative:
On Friday the XXXX around XXXX XXXX oclock I pulled up to the ATM on XXXX XXXX at Comerica Bank to deposit XXXX checks. XXXX I think was for {$990.00} and the other check was around {$870.00}. Im not sure To make a long story short, the ATM shut down in the middle of me, cashing my checks I go inside to see if theres anything they can do. They told me they will write up a work order for the ATM to be served so they can retrieve the checks. 
She said she would call me back that day. She didnt so I went up there the following Monday. 
Spoke with the manager at the bank she said she would expedite the work order service call. She calls me today telling me that hopefully they will come out tomorrow. 
In the meanwhile, I explain to them that I have a current insurance payment due and several other bills due and that I can not wait XXXX business days. 
I called and talked to a representative on the phone and they gave me the same answer. 
But they can not accommodate me for any losses that Im taking due to their malfunctioning equipment. 
I dont understand why I cant be compensated or at least get the money to pay my bills, and when they receive my checks which have been the same checks every month for the last year.

I think its quite unfair that I have to pay the cost and if the shoes on the other foot, they charge me late fees and anything else.

Im sure if there was no money in the ATM that they would quickly have someone out to service it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint because Midland Credit Management is reporting a collection account ( # XXXX ) with a balance of {$8100.00} and past due amount of {$8100.00} on my XXXX credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) because the data is not verified or accurate. There is no IRS XXXX form indicating that the alleged debt was forgiven or canceled, raising a material issue of factual inaccuracy. 

XXXX also failed to conduct a reasonable reinvestigation upon my dispute, violating FCRA XXXX ( a ), and continued to report this account without proper documentation from the original creditor including any signed agreement, insurance claim and chain of title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have received nothing but the run around and stall letters from the companies they are all inaccurately reporting things that should have never been placed on my report as they are fraud and ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Things that have been written off for profit loss are still showing on my report also they never sent me a XXXX on behalf of the accounts written off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this complaint because a late payment is being inaccurately reported by all three major credit reporting agenciesEquifax, XXXX, and XXXX my XXXX XXXX XXXX XXXX XXXX XXXX  account ending in XXXX, dated XX/XX/2022. I have thoroughly reviewed my records and payment history, and I have found no evidence to support the claim that this payment was late. This late payment is being reported despite the fact that the account has since been in good standing, and no supporting documentation proving the delinquency has ever been provided to me by either XXXX or the bureaus. 

The reporting of this payment as late appears to be a mistakeone that may stem from outdated information, a processing delay, or a miscommunication in data transmission. I believe this is yet another consequence of poor data handling practices that disproportionately harm consumers, especially when credit reporting agencies and furnishers fail to conduct a meaningful reinvestigation. I have submitted multiple disputes with all XXXX  bureaus and yet the error continues to be verified without proper investigation, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any information I believe to be inaccurate, and the credit bureau is required to conduct a reasonable reinvestigation within XXXX  days. Merely forwarding the dispute to the furnisher and accepting their word without critically evaluating the dispute evidence submitted by the consumer does not qualify as a reasonable investigation. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are obligated to follow reasonable procedures to ensure maximum possible accuracy. Reporting a derogatory item that can not be fully verified, or is based on faulty or unsubstantiated data, violates that statute. 

This inaccurate late payment is severely damaging my creditworthiness. As a result of this single derogatory mark, I have been denied favorable financing offers and have had to endure increased interest rates that would not have been applied had this account been accurately reported. It is unfair and emotionally draining to face financial barriers because of information that is provably false or unverified. This situation is frustrating not only because of the practical financial hardship it creates, but also because I have exhausted my options in attempting to resolve this directly with the credit bureaus, only to be met with ineffective or incomplete investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am submitting this complaint against National Credit Systems ( XXXX ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate and misleading reporting on my credit reports. 

Specifically, XXXX is reporting a collection account that is : Listed as open on XXXX, despite the account being charged off years ago. 

Showing monthly late payment updates on XXXX, with the most recent update dated XX/XX/year>, which constitutes illegal re-aging of the debt under FCRA 623 ( a ) ( 5 ). 

These actions misrepresent the true status and age of the debt, causing ongoing harm to my credit score. I have attached photographic evidence of these inaccurate reports, including screenshots of monthly updates and open account status. 

This behavior also violates : 623 ( a ) ( 1 ) ( A ) the duty to provide accurate information to credit reporting agencies ; 611 my right to dispute inaccurate or incomplete information. 

Given these violations, I demand that National Credit Systems immediately delete this collection account from all credit reporting agencies. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau, the XXXX  Attorney General, and pursue legal remedies. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Im confident in my history of on-time payments, so this entry seems wrong. Please take action to remove it swiftly.

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 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-15 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: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-15 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the of the charged-off account listed on my credit report. the account details are as follows : Creditor Names XXXX XXXX XXXX Open Date : XX/XX/year> Amount : {$1500.00} I am requesting a thorough investigation into this account. I believe this information may be inaccurate, outdated, or unverifiable and I am exercising my rights under Fair Credit Reporting Act ( FCRA ) to request that it be removed. 

Thank You for your attention in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief