vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Subject : Medical Debt Reported Without Notice ; Insurance Mishandling Now in Reconsideration I am submitting this complaint regarding a debt from XXXX XXXX XXXX that has been placed with XXXX XXXX XXXX  and reported to my credit report without any prior notification. 

The original debt stems from an emergency visit on XX/XX/year>. I had active insurance at the time, but the insurer denied the claim due to a required accident report formone I was never informed about or asked to submit. 

I never received any bills or communication from the provider or collector until it was already on my credit report. Only recently did I discover the insurance denial reason and am now submitting the proper documentation for claim reconsideration. 

This account should not have been reported while unresolved with insurance, and certainly not without giving me notice or opportunity to resolve it. I am requesting that this be investigated and the negative credit reporting be removed based on improper communication, lack of billing notice, and an active insurance review now in progress. 

I do not currently have a letter from my insurance company of this review, but I have requested it for proof and will attach as soon as it is received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filing this complaint against both the lender and XXXX due to the continued reporting of inaccurate information and the failure to conduct a proper and lawful reinvestigation. 

The account is mine, but the reporting contains inaccurate and incomplete information. I previously submitted a formal dispute with XXXX followed by a second attempt. While I did receive a copy of the original signed agreement and some others.. I did not receive the signed modification agreement, nor did I receive any proof or explanation as to why the modification was cancelled or denied, among other critical documents. I originally requested them XX/XX/XXXX after speaking with a representative after opening my dispute with XXXX I then again after dispute was closed or near closing requested the doucments again on XXXX XXXX  15 days and counting now. The modification agreement was signed, and then the lender cancelled it just three days later, without any notice, explanation, or documentation. As a result, the vehicle was repossessed. I maintain that this repossession was wrongful due to the lender 's failure to honor the modification agreement and their failure to provide evidence to justify its cancellation. 

This is my second attempt to get this corrected after more than 30 days since my original dispute. The investigation was clearly not thorough, and the lender has failed to provide transparency or proof supporting the derogatory reporting. 

My legal representative had me specifically request a number of documents critical to verifying the accounts accuracy and history. To date, those specific documents have not been provided by the lender or XXXX This undermines the integrity of the reinvestigation process. 

XXXX  appears to have closed the dispute without obtaining all necessary documentation or verifying the full substance of the dispute, which violates FCRA Section 611 ( reasonable reinvestigation ) and potentially Section 607 ( b ) ( maximum possible accuracy ). 

This is now my second attempt at having this corrected. I believe both the lender and XXXX are not acting in compliance with federal 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently became a naturalized U.S. citizen and legally changed my name from XXXX XXXX to XXXX XXXX. I now hold both a U.S. passport and a U.S. passport card issued in my new legal name. Capital One requires valid identification to process a name change, which I am fully prepared to provide. 

According to Capital Ones official website, one submission option is to call customer service and request a secure email link to upload the necessary documents. I did call, but the representative informed me that this option was not availabledespite it being clearly listed on the site. 

I would like to update the name on all of my Capital One accounts to reflect my legal name. Based on numerous posts from other customers on forums like XXXX, it appears this inconsistency in service is a common issue. Im simply trying to complete a straightforward legal update to my account using the documents Capital One claims to accept, through a method the website explicitly offers. 

All Im asking is to update my account name from XXXX XXXX to XXXX XXXX without unnecessary delays or conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX DISCOVER CREDIT XXXX XXXX XXXX XXXX XXXX, UT, XXXX RE : Cease and Desist Unauthorized Credit Card Account ( Account No : XXXX ) ( Total Balance : {$1700.00} ) To Whom It May Concern, I am writing to formally notify you that I have discovered an unauthorized credit card account opened in my name without my knowledge, consent, or authorization. This letter serves as a cease and desist demand regarding any collection activity or reporting associated with this fraudulent account. 

Details : Account Holder Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Date Discovered : XX/XX/year> I am a victim of identity theft and did not apply for or authorize this account. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : 1. Immediately close or freeze the fraudulent account. 
2. Cease all collection efforts and communications regarding this account.

3. Remove any negative entries related to this account from my credit report with all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX 
4. Provide written confirmation that the account has been closed and removed from my credit history. 

Enclosed, please find copies of documents that support my claim, including : A copy of my government-issued ID A completed FTC Identity Theft Report I expect a written response within 30 days confirming that you have taken the necessary actions. Please note that continued collection efforts on this fraudulent account may constitute a violation of federal law and will be reported to the appropriate regulatory authorities. 

If you require additional information from me to investigate this matter further, please contact me in writing only at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I am filing this complaint because multiple fraudulent accounts and unauthorized hard inquiries have appeared on my credit reports, severely damaging my credit. I have filed a formal dispute with all three credit bureaus and provided identity theft documentation, including my government-issued ID, Social Security card , lease agreement, and screenshots of fraudulent data. 



Accounts That Are Fraudulent or Incorrect : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL Employer : XXXX XXXX XXXX XXXX XXXX  Attachments Provided : Formal Dispute Letter Government-Issued Photo ID Social Security Card Lease Agreement Identity Theft Evidence ( screenshots ) Requested Resolution : I request the CFPB ensure all three credit bureaus conduct a full investigation and delete all inaccurate and fraudulent data within XXXX  days. If not resolved, I will escalate this to the FTC, Illinois Attorney General, and legal counsel.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Subject : Formal Complaint Regarding Unauthorized Accounts Under 15 U.S.C. 1681a ( c ) To Whom It May Concern, I am writing to formally dispute and file a complaint regarding accounts that are being reported on my credit file without my permission or legal authorization, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( c ).

According to 15 U.S.C. 1681a ( c ), the definition of a consumer report includes information furnished for the purpose of determining a consumers eligibility for credit or insurance, employment, or other permissible purposes. I have reviewed my credit report and identified the following account that was reported without my knowledge or consent : - Discover, Account XXXX XXXXXXXX I did not authorize this account, nor did I grant permission to any creditor or furnisher to report it to your bureau or any other party. Therefore, this account must be immediately investigated and removed from my credit report under the FCRA. Additionally, the furnishing of this information without my consent may constitute a violation of my consumer rights under federal law. 
I am requesting the following : 1. A thorough investigation into the listed account.

2. Immediate removal of any and all accounts that can not be verified with my explicit written authorization.

3. A writ

ten explanation of how this account was verified and the method of verification.

4. A revised copy of my credit report once corrections have been made.

Please be advised that failure to comply may result in further legal actions and complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Attached are copies of my government-issued ID, a recent utility bill for address verification, and any relevant supporting documentation. 
I expect a response within 30 days as required by the FCRA. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-25 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Issue : ChexSystems is reporting unverifiable and incomplete information on my consumer file. 
Details : I received my ChexSystems disclosure and it only contained reason codes and no original source documentation, account numbers, dates, or evidence of any liability. 
I submitted a formal dispute under FCRA 1681i ( a ) ( 1 ) requesting original source documentation. This reporting is harming my ability to open a bank account. 
I am requesting immediate deletion of all unverifiable adverse information and a corrected consumer 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 2025-07-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT FCRA VIOLATION NOTICE & DEMAND TO CEASE UNAUTHORIZED DATA SHARING To Whom It May Concern, I am formally notifying you that my consumer information, including but not limited to personal identifiers and credit data, is being shared, sold, or accessed without my consent specifically by third parties such as XXXX companies and other entities I have never authorized.

Under the * * Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) * *, you are legally obligated to : - Ensure maximum possible accuracy ( Section 1681e ( b ) ) - Disclose all information in my file upon request ( Section 1681g ) - Cease and desist from furnishing consumer information without permissible purpose ( Section 1681b ) - Block reporting of information resulting from fraud or identity theft within four ( 4 ) business days upon receipt of valid proof ( Section 1681c-2 ) * * THIS IS YOUR OFFICIAL NOTICE AND DEMAND TO
COMPLY WITH THE FOLLOWING : * * 1. Immediately initiate an investigation into all inquiries, data sales, or disclosures related to my file in the last 24 months.

2. Provide me with a full copy of my consumer disclosure and all entities that have accessed or purchased my data.

3. Provide written confirmation that all unauthorized inquiries and disclosures have been permanently removed.

4. BLOCK and DELETE any information obtained or shared without proper consumer consent as defined by FCRA. * * I am demanding that you comply with this request within four ( 4
) calendar days * *, as per my right under 15 U.S.C. 1681c-2. Failure to do so will be seen as a willful violation of federal law, and I will escalate this to the CFPB and initiate legal remedies for damages under 15 U.S.C. 1681n and 1681o. 

This letter is sent in good faith and as a final opportunity for you to resolve this matter without regulatory or legal escalation. 

Sincerely, XXXX XXXX XXXX Last 4 Of SS XXXX Date Of Birth 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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
Hows that financial attempting to collect a debt owed to XXXX XXXX  original creditor XXXX XXXX credit card. I ask Halstead financial and XXXX XXXX provide to me a signature of mine on the original contract the chain of title that they own to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am a victim of identity theft and have found unauthorized accounts and inquiries on my credit report. These items are fraudulent and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the listed items. Attached are the disputed accounts and a copy of my FTC Identity Theft Report. 

Please investigate and confirm in writing once the corrections are made.

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 2025-07-25 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: NC

Complaint narrative:
This account has been reported as closed and paid in full since XX/XX/year>XXXX  in the amount of {$240.00} I am respectfully requesting that Comenity Bank remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: GA

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 reporting agency, block information from appearing on my consumer credit reporting that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belongs to me and is a result of fraud that I did not authorize. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation