vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In early XX/XX/2025, my Capital One secured credit card account was mishandled in a way that caused significant financial and personal harm. I received an email from Capital One stating that one or more phone numbers on my profile had been changed, even though I did not authorize or request any change. Concerned about unauthorized access, I immediately contacted customer service. 

During my call, instead of assisting me or securing my account, the representative closed my account without my permission. I never received the card, never activated it, and never had the opportunity to use the account. This closure was done improperly and without my consent.

I spent over 4 hours on multiple calls with several agents, supervisors, and managers trying to understand why my account was closed and where my security deposit went. No one provided a clear explanation, no one helped resolve the issue, and in one call I was told that my deposit might not be refunded.

Because of the length of these calls caused by Capital Ones handling errors, I also lost my job that day. This has caused serious financial damage.

After being told by Capital One to apply for a new account, I was denied. The denial was based on a negative XXXX XXXX XXXX XXXX XXXX XXXX report. My credit score is XXXX, which is excellent, so the denial was not related to my creditworthiness. Instead, it resulted from Capital Ones improper internal reporting after they wrongfully closed my account and created a risk flag.

This entire situation the unauthorized profile change, the improper account closure, the withholding of my deposit, the failure to assist me, the damage to my XXXX  record, and the loss of my job is the direct result of Capital Ones negligence.

I am requesting CFPB assistance to correct this situation and prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX  has falsely claimed amounts more than the amount of the original credit limit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I am filing a complaint regarding the inaccurate and inconsistent reporting of a paid XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) across TransUnion, Experian, and Equifax. 

Although the account has been paid in full and reflects a {$0.00} balance, the bureaus continue to report derogatory statuses and misleading payment history codes. This misrepresentation harms my credit profile and violates the Fair Credit Reporting Act ( FCRA ). 

Specific Violations : FCRA 607 ( b ) : Accuracy Requirement TransUnion and Experian list the account as Paid but still tag it as Collection/Chargeoff.

Equifax marks it as Derogatory and Late 120 Days despite showing Paid Collection.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher Responsibility Reporting Charge Off after resolution misleads creditors and is inconsistent with the accounts true status.

Metro 2 Format Violations : The furnishers appear to be using incorrect status codes post-payment, which misrepresents the accounts standing.

FCRA 605 ( a ) ( 4 ) : Potential Obsolescence The account dates back to 2013. If the original delinquency date exceeds 7 years, continued derogatory reporting is unlawful. 

Requested Resolution : Immediate reinvestigation of the XXXX account across all three bureaus. 

Removal of any derogatory, charge-off, or collection references now that the account is paid. 

Correction of payment history codes to reflect accurate post-payment status. 

Full deletion of the account if accurate reporting can not be achieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 regarding the inaccurate and inconsistent reporting of a paid XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) across TransUnion, Experian, and Equifax. 

Although the account has been paid in full and reflects a {$0.00} balance, the bureaus continue to report derogatory statuses and misleading payment history codes. This misrepresentation harms my credit profile and violates the Fair Credit Reporting Act ( FCRA ). 

Specific Violations : FCRA 607 ( b ) : Accuracy Requirement TransUnion and Experian list the account as Paid but still tag it as Collection/Chargeoff.

Equifax marks it as Derogatory and Late 120 Days despite showing Paid Collection.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher Responsibility Reporting Charge Off after resolution misleads creditors and is inconsistent with the accounts true status.

Metro 2 Format Violations : The furnishers appear to be using incorrect status codes post-payment, which misrepresents the accounts standing.

FCRA 605 ( a ) ( 4 ) : Potential Obsolescence The account dates back to 2013. If the original delinquency date exceeds 7 years, continued derogatory reporting is unlawful. 

Requested Resolution : Immediate reinvestigation of the XXXX account across all three bureaus. 

Removal of any derogatory, charge-off, or collection references now that the account is paid. 

Correction of payment history codes to reflect accurate post-payment status. 

Full deletion of the account if accurate reporting can not be achieved.

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo froze all of my accounts and my online banking access because a customer disputed a XXXX payment from over XXXX months ago {$50.00} & {$75.00} XX/XX/year>. This was a legitimate transaction, yet instead of reviewing the single disputed payments, Wells Fargo froze every dollar & account I have with them. I have proof XXXX payments were legit but Wells Fargo isn't even asking for it, they locked me out of my online banking & accounts & told me to wait for a email or call from them with no timeline or explanation at all. 

I have repeatedly asked Wells Fargo for any written explanation, legal basis, or documentation supporting a full-account freeze. They have provided nothingno reason, no timeline, no details. They are withholding all of my money with XXXX transparency or justification. 

This has caused immediate financial harm and appears to be an abuse of XXXX XXXX XXXX and a potential violation of consumer protection laws. Wells Fargo is effectively denying me access to my own funds without due process. 
Impact : This situation has caused : Inability to access essential funds Missed payments XXXX stress and hardship Potential credit impact

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 2025-12-05 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: 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 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 2025-12-05 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 non-monetary relief
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.

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 2025-12-05 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: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.

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 2025-12-05 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I am 100 % XXXX and retired from XXXX XXXX. I keep being harassed by collect companies listed on my credit reports, by being told they will sue, damage my credit and garnish my wages. There is also repeated calls about a home or land to sell, I have nothing to do with, located somewhere in NC. I have been a victim of credit fraud but have never sought a legal means of verification. I would like verification by my signature of these accounts, which has never been provided. Could you have these collection companies cease and desist, along with removing whatever debts they keep reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian is not complying with FCRA 605B regarding my identity theft case.

I am a victim of identity theft and submitted all required documents, including an FTC Identity Theft Report, government ID, Social Security documentation, proof of address, and a data breach notice confirming my information was compromised. Experians system repeatedly rejects or clears my 605B block submission and continues to report fraudulent accounts, inquiries, and personal information that I did not authorize. Experian has not blocked the fraudulent information within 4 business days as required by law. I am requesting CFPB intervention to require Experian to apply the 605B block and delete all fraudulent information immediately.

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 2025-12-05 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:
Experian is not complying with FCRA 605B regarding my identity theft case.

I am a victim of identity theft and submitted all required documents, including an FTC Identity Theft Report, government ID, Social Security documentation, proof of address, and a data breach notice confirming my information was compromised. Experians system repeatedly rejects or clears my 605B block submission and continues to report fraudulent accounts, inquiries, and personal information that I did not authorize. Experian has not blocked the fraudulent information within 4 business days as required by law. I am requesting CFPB intervention to require Experian to apply the 605B block and delete all fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX EquifaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE OF UNAUTHORIZED HARD INQUIRIES & UNVERIFIED COLLECTION ACCOUNTS REQUEST FOR IMMEDIATE INVESTIGATION & REMOVAL UNDER FCRA/FDCPA/HIPAA To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing several items appearing on my consumer credit report. These include multiple unauthorized hard inquiries and unverified or inaccurately reported collection accounts.

Under FCRA 602A, 604, 607 ( b ), 609 ( a ), 611 ( a ), and 615, as well as FDCPA 809 ( b ) and the HIPAA Privacy Rule, I am requesting an immediate reinvestigation and deletion of all items that can not be fully verified. 
SECTION 1 UNAUTHORIZED HARD INQUIRIES I did NOT authorize the following companies to access my credit file. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Required verification : Provide signed authorization, proof of permissible purpose, and all application data. Under FCRA 611 ( a ) ( 5 ), unverifiable inquiries must be deleted. 
SECTION 2 DISPUTED COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX XXXX {$500.00} ( Medical Debt ) Violations : No itemized billing, no HIPAA-compliant proof, missing DOFD.

Action Requested : Delete immediately. 
XXXX. XXXX XXXX XXXX {$3500.00} Violations : No validation, no contract, inaccurate reporting.

Action Requested : Delete immediately. 
XXXX. XXXX XXXX XXXX {$2000.00} Violations : No proof of ownership, no contract, possible re-aging.

Action Requested : Delete immediately.

SECTION 3 REQUESTED ACTION - Perform a full reinvestigation under FCRA 611 ( a ) - Delete all unverified inquiries and accounts - Provide the Method of Verification - Issue an updated corrected credit report SECTION 4 NOTICE OF RIGHTS If inaccurate or unverified items remain, I may file complaints with the CFPB, FTC, and XXXX  Attorney General. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I am submitting this follow-up CFPB complaint because multiple inaccurate, unauthorized, and unverifiable items continue to remain on my credit reports with Experian, Equifax, and TransUnion, even after prior disputes. I am not requesting correction I am requesting full removal of these items, as the bureaus and furnishers have failed to verify their accuracy as required under the Fair Credit Reporting Act. 

Experian continues to report XXXX XXXX XXXX as late closed with a {$0.00} balance, despite the fact that this information remains unverified and inconsistent with my records. This continued reporting violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires deletion of any item that can not be verified, as well as 623 ( a ) ( 1 ) ( A ) and 607 ( b ) for inaccurate reporting. Because the furnisher and bureau have not produced any valid documentation supporting this account, I am requesting complete removal.

The following accounts also continue to be reported inaccurately and remain unverified after previous disputes XXXX XXXX  XXXX XXXX ( reported as a charge-off with a {$200.00} balance ) XXXX XXXXXXXX XXXX  ( reported with a {$0.00} balance ) XXXX  XXXX * ( reported with a {$480.00} balance ) These accounts remain on my credit file without proper validation, violating FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), 605B, and 1681c-2, all of which require deletion when information can not be verified or when the furnisher fails to provide legally required documentation. For this reason, I am requesting full removal of each account from all three bureaus.

Additionally, several unauthorized hard inquiries continue to appear on my Experian and TransUnion reports. These inquiries were made without my consent or any permissible purpose under federal law, violating FCRA 619, 604 ( a ), and 604 ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX TransUnion continues to report additional unauthorized inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Because these inquiries were made without my authorization, without permissible purpose, and without any supporting documentation when requested, I am requesting full removal of each inquiry. 

These inaccurate and unverifiable items continue to negatively affect my creditworthiness, resulting in potential credit denials, increased interest rates, and unnecessary financial harm. The credit bureaus have failed to meet their obligations under the FCRA to ensure maximum possible accuracy and to delete information that can not be verified.

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 2025-12-05 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I am 100 % XXXX and retired from XXXX XXXX. I keep being harassed by collect companies listed on my credit reports, by being told they will sue, damage my credit and garnish my wages. There is also repeated calls about a home or land to sell, I have nothing to do with, located somewhere in XXXX. I have been a victim of credit fraud but have never sought a legal means of verification. I would like verification by my signature of these accounts, which has never been provided. Could you have these collection companies cease and desist, along with removing whatever debts they keep reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief