vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This is a supplemental complaint related to ongoing identity theft and improper credit reporting activity. After the XXXX identity theft account was removed, two NEW fraudulent accounts appeared : ( 1 ) a XXXX XXXX auto loan added by a third-party furnisher, and ( 2 ) a XXXX XXXX XXXX utility account. I updated my FTC Identity Theft Report and attached my police report, ID, and address verification. Under FCRA 605B, these accounts must be blocked within 4 business days, yet the bureaus are delaying and marking these items as under investigation.

Additionally, two other disputed accounts XXXX XXXX and XXXX XXXX XXXX were updated without the credit bureaus providing the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I have never received any documentation from these creditors proving these accounts belong to me.

This is now a pattern of mixed-file errors, improper reinsertion activity, and failure to comply with FCRA 605B, 611, and 623 ( a ) ( 6 ). I request immediate deletion of all fraudulent and unverified accounts. * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

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


INQUIRIES : 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
Consumer complaint received 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Unlawful Denial of Billing Rights & Merchant Misrepresentation Request for Federal Review To Whom It May Concern, I am filing this complaint regarding an improper denial of my federal billing rights by Capital One and deceptive sales practices by the merchant XXXX XXXXXXXX XXXX.

On XX/XX/year>, I was charged {$240.00} for a XXXX XXXX. At the time of purchase, I was never informed that this was a timeshare promotion nor that it required attending a sales presentation, which I do not consent to. 
Minutes after receiving the email confirmation and discovering the true nature of the product, I immediately contacted the merchant to cancel.

The merchant stated that New Jersey residents are not allowed to cancel, but that other states can.

This statement is false, illegal, and directly violates : Federal Trade Commission Act Deceptive Trade Practices ( 15 U.S.C. 45 ) FTC Cooling-Off Rule ( 16 CFR Part 429 ) which allows cancellation of certain sales New Jersey Consumer Fraud Act ( N.J.S.A 56:8-1 et seq. ) Truth in Lending Act ( TILA ) / Fair Credit Billing Act ( FCBA ) protecting my right to dispute unauthorized or misleading charges I contacted Capital One the same day to dispute the charge.

Despite following the dispute process properly, Capital One has closed my claim, stating they can not assist based on the merchants policies.

This is a violation because merchant policies CAN NOT override federal law.

Federal law gives me the right to dispute a charge when the product was misrepresented, not delivered as described, or obtained through deceptive means.

The merchant : Misrepresented the product Withheld material information Refused cancellation Applied discriminatory cancellation rules ( NJ residents can't cancel ) Violated FTC laws regarding deceptive practices Capital One : Dismissed my dispute Ignored the evidence provided Relied solely on merchant policy rather than federal requirements Failed to properly conduct a fair investigation under FCBA I request : 1. A full federal review of Capital Ones investigation 2. Reopening of my dispute under FCBA requirements 3. A reversal of the {$240.00} charge 4. Enforcement of NJ and federal consumer protections 5. Regulatory action if the merchant continues to violate the law I have not used the timeshare and have actively rejected it since the moment of sale.

I respectfully request your assistance enforcing my rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CT

Complaint narrative:
I opened an installment auto loan account with XXXX XXXX which after several months sold the account to XXXX  XXXX XXXX. During the transition one of the companies mishandled my account and posted my on time payments as late for several months. I called on different occasions to both Banks to request a correction of their report, resulting in no action from their end. They neglected my request to correct this inaccurate information on my credit report and they did nothing. Then, I recurred twice to open a complaint with the 3 credit bureaus and submitted letters stating the facts and claiming how this erroneous report has severely impacted negatively my credit report and has caused severe effects on my ability to open new accounts causing a lot of financial detriment to me and my family and as of today, I have not had any positive results from the 3 of them.

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 2025-11-18 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: CT

Complaint narrative:
I opened an installment auto loan account with XXXX XXXX which after several months sold the account to XXXX  XXXX XXXX. During the transition one of the companies mishandled my account and posted my on time payments as late for several months. I called on different occasions to both Banks to request a correction of their report, resulting in no action from their end. They neglected my request to correct this inaccurate information on my credit report and they did nothing. Then, I recurred twice to open a complaint with the 3 credit bureaus and submitted letters stating the facts and claiming how this erroneous report has severely impacted negatively my credit report and has caused severe effects on my ability to open new accounts causing a lot of financial detriment to me and my family and as of today, I have not had any positive results from the 3 of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I saw this collection on my account, and it's an absurd amount of money, dropped my credit score XXXX points, I never received a phone call nor a letter or even an email from this company. 
I disputed online on credit bureau, never gets resolved. All data is unavailable except what the collector report it. They even reported payment in 2023 this Citibank debit is already 6 years old without one single payment. It's a total fraud. I believe they only bought a barred debt, to use it as tax credit as business loss, because I have never been contacted.

The fair solution is to delete this fraudulent report of a barred debt of almost 7 years old Of my account and investigate this company for tax 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
Account # XXXX listed as LJ Ross Associates I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my credit report or I will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX ] XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXXXXXX  ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXXXXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BlueChip Financial
State: NV

Complaint narrative:
Each time I request debt validation under the Fair Debt Collection Practices Act ( FDCPA ), the account is transferred to a new collection agency on the same day instead of being validated. This has happened multiple times and appears to be an attempt to avoid responding to my lawful validation requests.

Detailed Description of the Problem This complaint involves XXXX  ( XXXX XXXX XXXX ) and two collection agencies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. Initial Collection XXXX XXXX XXXX I requested debt validation from XXXX XXXX XXXX. 
Instead of providing validation, the account was transferred shortly after my request.

2. Second Collection XXXX XXXX XXXX  On XX/XX/year>, I again requested validation.

XXXX  responded the same day stating the account was transferred to XXXX XXXX. 
This was the second time the account was reassigned immediately after a validation request.

3. Pattern of Avoiding Validation Each time I exercise my rights under FDCPA 809 ( b ), the account is reassigned to a new collector instead of being validated.

This prevents me from receiving the legally required information needed to verify the debt.

Violations FDCPA Violations : 809 ( b ) : Failure to provide validation after receiving a written request.

Continued collection activity after a validation request ( transferring/assigning the account is considered a collection activity ).

807 ( 2 ) : Misrepresenting or obscuring the legal status of the debt by repeatedly moving it to different collectors.

UDAP Concerns ( Unfair and Deceptive Acts or Practices ) : Repeated transfers create confusion and mislead the consumer, making it appear that validation does not have to be honored.

Prevents me from exercising my statutory rights.

Causes unavoidable harm and provides no legitimate consumer benefit.

Impact on Me I have requested validation multiple times and have never received it.

I am being sent to different agencies to start over, which prolongs the process and prevents resolution.

I believe the transfers are intentional to avoid compliance with the FDCPA.

I can not confirm whether the debt is valid, accurate, or enforceable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
am filing a complaint because Capital One denied my billing error dispute on my XXXX XXXX credit card. I authorized a charge of {$250.00} at a restaurant in XXXX on XX/XX/year>, but the merchant charged {$680.00}. This is an Incorrect Amount Billing Error under Regulation Z ( 12 CFR 1026.13 ).

Capital One repeatedly told me they can not proceed without a receipt, even though the consumer is not legally required to provide a receipt for an incorrect amount dispute. If a receipt or proof of the final charge is needed, the merchant must provide it to Capital One, not the cardholder.

Capital One closed my dispute without providing any merchant documentation supporting the {$680.00} amount and refused to investigate further unless I provided a receipt that I do not have.

This is not compliant with Regulation Z requirements for investigating incorrect amount billing errors. I am requesting that Capital One reopen and reinvestigate the dispute in accordance with Regulation Z and provide the merchants documentation justifying the {$680.00} charge or remove the unauthorized portion of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I saw this collection on my account, and it's an absurd amount of money, dropped my credit score XXXX points, I never received a phone call nor a letter or even an email from this company. 
I disputed online on credit bureau, never gets resolved. All data is unavailable except what the collector report it. They even reported payment in 2023 this XXXX debit is already 6 years old without one single payment. It's a total fraud. I believe they only bought a barred debt, to use it as tax credit as business loss, because I have never been contacted.

The fair solution is to delete this fraudulent report of a barred debt of almost 7 years old Of my account and investigate this company for tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 am submitting this complaint regarding multiple significant inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion that are harming my creditworthiness, misrepresenting my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Across all three bureaus, my personal identifying information is reported incorrectly, including inaccurate names such as XXXX XXXX, and addresses including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX, XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX, XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX ; and XXXX XXXX XXXX XXXX XXXX, GA XXXX, none of which are correct or fully associated with me. Numerous charge-off accounts appear inaccurately, including XXXX XXXX XXXX XXXX  accounts XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX and XXXX, with balances misreported or unverified. Additional collections are also listed incorrectly or duplicated, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX with conflicting balances of {$7200.00} and {$2800.00}, as well as XXXX XXXX XXXX. Furthermore, unauthorized and inaccurate inquiries appear on my reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX, which I did not authorize or are incorrectly tied to my file. These inaccuracies, combined with misreported dates of delinquency and unverified balances, have caused material harm, including denial of credit, potential employment issues, and misrepresentation of my financial responsibility. I have previously submitted disputes to each bureau, requesting corrections and reinvestigations, including validation of all debts and removal of unverifiable information, yet the errors remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a credit card with Regions Bank at age XXXX, shortly before starting college at a public university in XXXX. Throughout my use of the card, I believed I was acting responsibly to build and maintain a positive credit history. Despite my efforts, Regions reported a missed payment, resulting in negative information being placed on my credit report, which has remained there for years.

I have made numerous attempts to resolve this directly with Regions ( including calls, emails, and written correspondence ) but they have consistently failed to respond or provide any information or assistance. I feel this negative information is unjust since Regions has not offered any opportunity for explanation or resolution despite my attempts over several years.

This derogatory mark is now significantly impacting my credit as I approach age 30, and I am seeking CFPB assistance because my direct efforts with Regions have been completely ignored. I am requesting intervention so this negative information can be reviewed, removed, or otherwise fairly addressed, allowing me a fair chance at restoring my credit profile.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief