vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive complied with capital one about why my account has been frozen since around XX/XX/year>. Ive spoke to them twice about a peer to peer transaction that was received via XXXX. 

I havent yet to have any update about my acct. I have XXXX $ that I cant access that cost me to have a small mishap. 

I dont know what else to do because they are barely cooperating and really not telling me anything. Only asking why did someone send me XXXX $ and who are they to me Ive obtained all information I have and wishing that there will be some more communication on their behalf. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-14 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX - {$200.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00}, XX/XX/XXXX. Collections : XXXX XXXX XXXX - {$950.00}, XX/XX/XXXX and XXXX XXXX- {$1100.00}, XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX - {$200.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00}, XX/XX/XXXX. Collections : XXXX XXXX XXXX - {$950.00}, XX/XX/XXXX and XXXX XXXX- {$1100.00}, XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services
State: TX

Complaint narrative:
{$4000.00} I dropped my classes and the still charged me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : 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

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 2025-05-14 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: VA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : 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

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 2025-05-14 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: MA

Complaint narrative:
I submitted my police report, identity theft report, 2 proofs of Verification. 2 proofs of address. A Letter of Removal/Letter of deletion. Copy of social & Licence. 
EVERYTHING TYPED. 
ALL THOSE DOCUMENTS. ONLY, TO GET BACK A SHEET OF PAPER SAYING ; THAT WHAT WAS SENT IN WAS NOT LEGIBLE. THIS MORNING WHEN I CALLED, The representative was BAFFLED. 
I WANT THOSE ACCOUNTS DELETED FROM MY CREDIT PROFILE 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 explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I submitted my police report, identity theft report, 2 proofs of Verification. 2 proofs of address. A Letter of Removal/Letter of deletion. Copy of social & Licence. 
EVERYTHING TYPED. 
ALL THOSE DOCUMENTS. ONLY, TO GET BACK A SHEET OF PAPER SAYING ; THAT WHAT WAS SENT IN WAS NOT LEGIBLE. THIS MORNING WHEN I CALLED, The representative was BAFFLED. 
I WANT THOSE ACCOUNTS DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2025, I opened a checking account with U.S. Bank while I was traveling in the UK. Before I received my debit card and PIN, unauthorized activity occurred on my account. 

On XX/XX/2025 : XXXX. An unauthorized ATM withdrawal of {$440.00} was made. 
2. Two fraudulent check deposits with forged endorsements in my name were madeone for {$10000.00} and one for {$2700.00}. Both checks were later reversed. 

I promptly reported these activities to U.S. Bank. They reversed the check deposits and issued a provisional credit of {$440.00} for the disputed ATM withdrawal. A new debit card and PIN were also issued to me. 

Despite this, U.S. Bank later froze and closed my account, citing the fraudulent activity. On XX/XX/2025, I received a letter stating that they determined the {$440.00} withdrawal was authorized and that they would reverse the provisional credit. No explanation or supporting documentation has been provided. 

In addition, a legitimate deposit of {$2000.00} that I made on XX/XX/2025, is now inaccessible due to the account closure. These are my personal funds, and I have no access to them. 

I have substantial evidence proving I was abroad at the time of all the fraudulent transactions, including : - Official I-94 travel records showing I was not in the U.S. during the relevant dates - Airline ticket receipts- Foreign transaction activity on my U.S. Bank credit card - Photographs and location data Despite multiple calls and attempts to escalate, I have been denied access to a case adjuster, refused documentation, and even disconnected during calls.

Attached to this complaint : 1. I-94 travel record verifying I was outside the U.S. before , during, and after the fraud.

2. U.S. Bank credit card activity showing I was making legitimate transactions in the UK at the time.

3. U.S. Bank letters documenting the fraudulent check reversals, account freeze, and denial of the provisional credit.

I am prepared to provide additional evidence if needed. Please let me know what documentation would be most helpful. 

Thank you for your assistance in resolving this matter.

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 2025-05-14 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: AL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Incorrect Name - XXXX XXXX XXXX, Incorrect DOB - XXXX, Incorrect Address - XXXX XXXX XXXX XXXX XXXX, AL, XXXX, Incorrect Address - XXXX XXXX XXXX, XXXX, AL, XXXX, Incorrect Address - XXXX CLUB VIEW, XXXX, AL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit 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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: NC

Complaint narrative:
My XXXX XXXX  with XXXX was bought out by XXXX. ive been trying to login since XX/XX/XXXX. And Ive contacted them every single day since XX/XX/XXXX. My login will not work that I used for my previous loan provider, XXXX. Ive tried resetting my password and creating an account. Every time I create an account, it says account already exist. I have emailed and they have told me to try calling their customer service line. No one answers. And the information I put in says no account with this information exist. And yet Im still receiving emails that payment has been past due. But I cant get any aid on how to set up or even log into my account to make payments. I was four months ahead on my payment until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 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: CA

Complaint narrative:
b'Covered/ XXXX XXXX XXXX\n\nXXXX XXXXn\nXXXX XXXX XXXX\n\nXXXX XXXX XXXX\n\nXXXX XXXX XXXX\n\nXXXX 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 2025-05-14 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracy and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-14 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: IL

Complaint narrative:
Subject : Formal Dispute of Debt and Notice of FDCPA Regulation F Violations To Whom It May Concern : This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Regulation F, 12 CFR Part 1006, due to several potential violations by your company and Equifax. I asked for validation methods taken to verify these accounts " XXXX '' " XXXX '' what investigation procedure was taken? who did you speak to? what date? time? what did they say? provide me the XXXX they have submitted to you which XXXX this account 100 % accurate, also documents that makes me responsible for this alleged debt Alleged Debt Details : XXXX : XXXX XXXX ( Reinsertion ) without proper notifying consumer within 5 days of reinsertion ( FDCPA ) Violation Violations Cited : XXXX. Failure to Provide Required Disclosures ( XXXX XXXX XXXX ) You have failed to provide a proper validation notice as required under XXXX of Regulation XXXX This includes the itemization of the debt, information on the consumers rights to dispute the debt, and the name of the creditor to whom the debt is owed. 
XXXX. Continued Collection Without Validation ( 12 CFR 1006.34 ( c ) ( 2 ) ) Despite my previous request for debt validation your agency has continued to pursue collection activities/ and report the debt without providing the required documentation. 
XXXX. Unlawful Credit Reporting During Dispute ( 12 CFR 1006.30 ( a ) ) Reporting a disputed debt to Equifax during the validation period without indicating it is disputed constitutes a deceptive collection practice under Regulation F. 
XXXX. Communication in Violation of Time/Method Restrictions ( 12 CFR 1006.6 ) [ Optional if applicable : contacting after hours via email XXXX XXXX  Demand for Action : Immediately cease all collection activities until the debt has been properly validated per Regulation F. 
Provide complete validation of the debt, including itemization and name of the current creditor. 
Notify Equifax to delete or mark the debt as disputed until this matter is resolved, per your obligations under the FDCPA and FCRA. 
Provide documentation showing you have informed Equifax of this dispute. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. I reserve the right to pursue legal remedies for violations of my rights under the FDCPA, FCRA, and any applicable state laws. 

This letter is written in good faith and with full reservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation