vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
On XX/XX/year>, I woke up while on our family vacation to XXXX XXXX to find XXXX ( XXXX ) of my Capital One credit cards and their corresponding accounts had been shut down. I received an email for each of them which states : Dear XXXX XXXX XXXX, We are closing this XXXX Credit Card because Capital One has observed activity on XXXX or more of your Capital One accounts that is inconsistent with typical customer account usage. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches XXXX. 
If you have questions, please call us anytime at XXXX ( XXXX ). 
Sincerely, Capital One My wife and I called the number listed as soon as we discovered this and spoke to bank representative who repeated the information in the letter. I authorized my wife to also speak regarding the situation. We told them we were on our family vacation to XXXX, that the charges were legitimate, that wed received no warning that there was a fraud detection before the cards were shut down, and that we requested they be turned back on. The representative said they were unable to do so. We escalated the call to a senior manager who repeated the same information. 

The fact that XXXX ( XXXX ) of my cards and accounts were shut down, without warning, without prior notice of fraud detection, without any attempt by the financial institution to verify the legitimacy of the activity in question, and without any ability to remedy the problem is the most Kafka-esque situation Ive ever encountered with any financial institution. Weve reviewed our financial transactions and have verified they are all legitimate transactions made during our family vacation to XXXX  or as part of our usual activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: PR

Complaint narrative:
I am writing to formally dispute the continued reporting of the account listed below, which contains inaccurate and misleading information on my credit report. 
Account Name : XX/XX/XXXXAccount Number ( partial ) : XX/XX/XXXXXXXX This account has been closed and should not continue to report delinquent payment history. I previously disputed this matter and specifically requested that the account be deleted from my credit file due to the erroneous reporting. However, I was informed that the information was merely updated instead of being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I have reported this account as fraudulent to the original holder of the account which would be XXXX XXXX and they were notified XX/XX/year>, and were supposed to do an investigation now the debt has been sold to Velocity investments, No proof of owed debt is provided which I do not owe Upgrade any debt as required under 15 U.S.C. 1681i, I demand deletion for failure to provide verification within the law it has been well over XXXX  days it has been over XXXX  months. I am reporting this account as fraudulent and demand XXXX and the Velocity Investments to cease all collection activity and they need to cease and desist from continuing to try to collect this debt, Velocity Investments lawyer had someone serve and leave papers outside on the ground of a home i was not located at and i never received the documents which i was not served properly. Please contact the lawyers to stop sending mail to the address and close the case. Second, I am a victim of identity theft, in accordance with the Fair Debt Collection Practices act I am asking you to stop collection proceedings against me and stop communicating with me about this debt. I have notified the original owner of the debt that this account has been opened without my permission or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Experian data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$46000.00} Account Name : XXXX XXXX  Account NumberXXXX Open Date : XX/XX/XXXX Balance : {$1700.00}

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 2025-11-05 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> Balance - {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Williams & Fudge, Inc
State: OH

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent collection accounts have been added to my credit report without my knowledge or authorization. Despite my disputes, the accounts remain on my credit report, causing harm to my credit profile and financial standing.

Details of the Issue : I recently discovered two collection accounts on my credit reports that I did not open or authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . 
This account appears to relate to a school I never attended. 
I did not enroll in or authorize any student-related accounts or loans with XXXX XXXX XXXX XXXX XXXX 
The account has been sold or placed with XXXX XXXX XXXX XXXX XXXXXXXX, a debt collection agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have never had any policy or account with XXXX XXXX. 
XXXX XXXX XXXX is reporting or collecting on this account, which I believe was opened fraudulently using my personal information. 
I have filed an Identity Theft Report with the FTC ( via XXXX ) and submitted disputes to Equifax and the other credit bureaus, requesting removal of these fraudulent accounts. I also sent debt validation letters to both collection agencies under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite following the proper dispute process, these accounts remain on my credit report and continue to impact my credit. I am requesting that the CFPB assist in ensuring that : These fraudulent accounts are fully investigated and removed ; The collection agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cease all collection activity ; The credit bureaus update my reports accordingly ; and I receive written confirmation that the fraudulent information has been deleted. 
Desired Resolution : Full removal of all fraudulent accounts from my credit reports. 
Written verification from each company confirming deletion and cessation of collection activity. 
Confirmation that my identity theft documentation ( FTC Report and police report, if applicable ) is acknowledged.

Attachments I can provide : FTC Identity Theft Report Copies of disputes sent to credit bureaus Debt validation letters sent to both collection agencies Proof of identity and address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-11-05 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXXXXXX Washington XXXX DC XXXX Subject : Complaint Against TransUnion for FCRA Violations and Failure to Delete Unverifiable Account To Whom It May Concern, I am submitting this complaint against TransUnion for its continued reporting of an inaccurate and unverifiable account, despite proper disputes and confirmations from the other major credit bureaus. 

The account in question is : XXXX Account Number : XXXX Balance : {$700.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX deleted this same account after completing their reinvestigations and determining that it was inaccurate and unverifiable. TransUnion, however, continues to report it without providing any original signed documentation proving my responsibility for the debt.

TransUnions actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving a dispute.

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer reports.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA.

Furthermore, TransUnion has already suffered a major data breach impacting over XXXX XXXX consumers, which raises serious concerns about its ability to maintain accurate and secure consumer information. Continuing to report unverifiable and inaccurate data after such a breach further demonstrates a pattern of negligence and disregard for consumer rights. 

I request that the CFPB require TransUnion to : XXXX. Delete the XXXX account immediately from my credit file. 
XXXX. Provide a written explanation of the verification process and source used to continue reporting the account. 
XXXX. Ensure that all future disputes are handled with full compliance under the FCRA. 

I have attached supporting evidence showing that XXXX XXXX XXXX  have already removed this account and that TransUnion continues to report it inaccurately. 

Thank you for your attention to this matter. I am requesting full investigation and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bank with Truist. 
I occasionally used XXXX to transfer funds. I tried to use it recently and the website would give me an error telling me to call customer service. After a few attempts I finally called them to be told that my account has been banned. I asked to escalate my case to someone with more info, no one could tell me why my account has been banned or give me a recourse. 
This is unacceptable. I never got any notification that my XXXX access was banned. I was given no reason WHY it was banned. You can not create a financial tool people become reliant on then suddenly take it away. 
I contacted XXXX services and spoke with someone there who said I needed to call my bank. I called my Truist bank and they said XXXX has made the decision. I called XXXX back and they said they can't make this decision, it's your bank. I called my bank back and demanded answers and they said they'd send me emails but nothing has happened. 
I found out I was banned in XXXX- all the above calls were made in XXXX. and we're in XXXX now with no additional info. 
This is absolutely frustrating.

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 2025-11-05 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: PA

Complaint narrative:
I am filing this formal complaint against XXXX entities reporting inaccurate and unverified information on my credit reports, which has negatively impacted my credit standing and caused me significant distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Credit Limit : {$300.00} Reported Late Payments * * This account is reporting late payments that are completely inaccurate. I have never made a late payment on this account, and I dispute this reporting in its entirety. I demand that XXXX XXXX XXXXXXXX verify, with documented proof, any alleged late payment history. If they can not substantiate this information with proper records, it must be immediately corrected and updated with an accurate payment history to reflect never late. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Reported as Collection * * I have no knowledge or record of this account. I never opened or authorized any account with this company. This appears to be a fraudulent or erroneous collection entry. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report only accurate and verifiable data. Since XXXX XXXX has failed to provide proof of ownership, contract, or original account documentation, this account must be deleted entirely from my credit profile. 

These inaccurate and unverified items violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections XXXX ( A ) and XXXX ( XXXX U.S.C. XXXX ), which require that all information reported to consumer reporting agencies be accurate, complete, and verifiable. 

I am requesting that the CFPB investigate these entities for their failure to report accurate information, and ensure that these violations are promptly corrected or removed from all three major credit bureaus ( XXXX, Equifax, and XXXX  ). 

Enclosed are copies of relevant portions of my credit reports highlighting the disputed accounts. 

Thank you for your prompt attention to this matter. I look forward to your assistance in ensuring that my consumer rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XX/XX/year> I am contacting you because you claim to have completed a reasonable Investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my XXXX XXXX. 


Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 

Account name : XXXX XXXX XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 

Account name : XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 

Account name : XXXX XXXX Account Number : XXXX The Credit Bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported isnt accurate. This is truly not fair and they have also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-05 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:
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 non-monetary relief
Consumer complaint received 2025-11-05 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:
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
Consumer complaint received 2025-11-05 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 dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information reported on my credit report. Please review the following accounts and inquiries that are being disputed : Inquiry : 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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint concerns a purchase from XXXX XXXX for XXXX medical devices. The agreement was executed after the quote expired and contains multiple misrepresentations and performance failures. The merchant has refused refund. Supporting documentation attached.

Company response to consumer: Closed with non-monetary relief