vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: NM

Complaint narrative:
They are showing me as having late payments, when they have a deal made and it is working. the reason this happened is because I have XXXX that is getting worse, and these people just don't care. them doing this to my credit report is hurting me to get additional care. and they say that's your problem. 

Here is the Law, please help me. 

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.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, and an account with kickoff lending llc and an account by the name of XXXX XXXX XXXX has been fraudulently opened in my name. I did not apply for, or authorize, or use this account. This account is not mine, but it is being reported on my credit file with late payments. Under section 605B of the Fair credit reporting act. I am requesting that this fraudulent account be blocked and removed from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is word by word letter from Portfolio Recovery : XX/XX/year> XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 
Current Creditor : Portfolio Recovery Associate, XXXX ( " XXXX, XXXX '' ) Balance : {$950.00} Dear XXXX XXXX XXXX, In response to your dispute related to the above account. Portfolio recovery associates , LLC ( PRA LLC ) has enclosed addittional documentation for your review. We have completed our investigation of your dispute concerning this account. PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. 

Sincerely. 
XXXX Department XXXX : XXXX ~~This has violated the FRCA guidelines XXXX This request must have an assignment contract, and it should include the permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize, authorize, or approve. This raises serious concerns about the misuse of my private information and possible identity theft. As a victim, I urgently request the immediate removal of these fraudulent accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below are in direct violation of my federally protected consumer rights under 15 U.S.C. 1681. Specifically : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : States that no consumer reporting agency may furnish an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse items of information that are inaccurate or outdated.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or reasonably should know the information is inaccurate. 
These fraudulent accounts violate the above federal laws and are a clear breach of my rights to privacy and confidentiality. I demand that these accounts be deleted from my credit report immediately to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a written dispute to Experian on XXXX regarding several accounts that were incorrectly associated with my Social Security Number . These accounts were originally opened before the issuance of my SSN, when I only had an ITIN. Therefore, they should not legally appear on my credit report under my SSN. 

Experian 's response was only the phrase Verified as accurate. They did not provide any documentation such as a signed credit application, billing statements, or any evidence that these accounts were created using my SSN. Under the Fair Credit Reporting Act ( FCRA ), simply stating verified without documentation is not a reasonable reinvestigation. 

I request that the CFPB require Experian to conduct a proper reinvestigation, provide documented proof of how these accounts were verified, and remove the inaccurate accounts if such documentation can not be produced.

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 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
It started yesterday with a phoney email from XXXX on behalf of BMO harris bank located at XXXXXXXX XXXX from a XXXX XXXX  debt repayment officer and it states law enforcement will come to my house and arrest me for a fradulent check i deposited into my account a couple of months ago in which i wasn't aware the person who sent it said it was legit and now he is deceased yes I did withdraw the funds it was {$2300.00} and now they are threatening me saying law enforcement will come arrest me anytime soon

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i attempted to remove in accurate information off all 3 credit reporting agencies and they refused to remove it, stating they assumed someone or company filed the dispute letter on my behave. i never received anything in writing i had to call to check on status of disputes for in accurate names, addresses, and employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i attempted to remove in accurate information off all 3 credit reporting agencies and they refused to remove it, stating they assumed someone or company filed the dispute letter on my behave. i never received anything in writing i had to call to check on status of disputes for in accurate names, addresses, and employers.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied to have my last name changed on my account to my marital name in XX/XX/year>. Initially I got an email saying the change was successful. Then in XXXX there was a email asking for further documentation because of my new status as a legal adult, which was inaccurate to the situation. Then in XXXX another email in XXXX when they restricted my accounts. I spoke with customer service and they restored my account but would not clarify the situation. Now they are not accepting my documentation and have once again restricted my account with only an email for notice, even though I specified on the phone I would like a phone call. This is not only affecting my account, but also my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
Dispute Regarding Fraudulent Accounts and Inquiries I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report due to identity theft. This correspondence is in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which allows consumers to request the blocking of information resulting from identity theft. Attached to this letter is my identity theft report, which confirms that the accounts and inquiries listed below were not authorized by me : XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXXXXXX XXXX XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX  account number XXXX opened XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX. XXXX XXXX XXXX XXXX account number XXXX  opened XXXX. XXXX XXXX XXXX account number XXXX opened XXXX. XXXX XXXX collection account number XXXX opened XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX XXXX XXXX XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX  inquiry date XXXX. XXXX  XXXX inquiry date XXXX. I request that these fraudulent accounts and inquiries be blocked and removed from my credit report within 4 days, as stipulated by the FCRA. Please send me written confirmation of your actions regarding this matter. Thank you for your prompt attention to this serious issue. If you require any additional information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am reaching to you for assistance with an issue with XXXX XXXX  that is non-compliant with SCRA statute and they ignored my repeated requests for SCRA benefits while I was on XXXX XXXX XXXX. Please see reference to the statute as follows : " XXXX. Maximum rate of interest on debts incurred before military service [ Sec. 207 ] ( a ) Interest rate limitation. 
( 1 ) Limitation to 6 percent. An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember, or the servicemember and the servicemember 's spouse jointly, before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent ( A ) during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage; or ( B ) during the period of military service, in the case of any other obligation or liability.5 ( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 
( 3 ) Prevention of acceleration of principal. The amount of any periodic payment due from a servicemember under the terms of the instrument that created an obligation or liability covered by this section shall be reduced by the amount of the interest forgiven under paragraph ( 2 ) that is allocable to the period for which such payment is made. 
( b ) Implementation of limitation. 
( 1 ) Written notice to creditor. In order for an obligation or liability of a servicemember to be subject to the interest rate limitation in subsection ( a ), the servicemember shall provide to the creditor written notice and a copy of the military orders calling the servicemember to military service and any orders further extending military service, not later than 180 days after the date of the servicemember 's termination or release from military service. 
( 2 ) Limitation effective as of date of order to XXXX XXXX. Upon receipt of written notice and a copy of orders calling a servicemember to military service, the creditor shall treat the debt in accordance with subsection ( a ), effective as of the date on which the servicemember is called to military service.

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 monetary relief
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Date of inquiry : 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 2025-09-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$10000.00} XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$760.00} XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$1000.00} Inquiries in Question : XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am an victim of identity theft, and a fraudulent account been placed on my credit file. Jefferson capital systems is an reporting account that I did not open, authorize, or use. I have never had any business with this company. This account is an result of identity theft and is being inaccurately reported on my credit report. This inaccurate reporting is causing harm to my credit history and XXXX well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
The XXXX XXXX XXXX and the credit bureaus are reporting multiple student loan accounts as open, current, and deferred with balances owed. This is inaccurate because I paid these loans in full in XX/XX/year>, with a bank payment of over {$14000.00} ( proof already provided ). 

I have disputed these accounts several times with all three credit bureaus. The fact that the accounts were recently updated proves my disputes were received. However, instead of correcting the reporting to Closed / Paid in Full / {$0.00} Balance, the bureaus changed them to current/deferred with balances, which is still false and misleading. 

Because of these errors, my credit score dropped by more than XXXX points, one of my credit cards reduced my limit, and I was denied an equity loan. I have also spent over {$200.00} on certified mail and countless hours trying to fix this problem. 

I am requesting that these inaccurate accounts be corrected to Closed / Paid in Full / {$0.00} Balance or deleted entirely, and that I be compensated for the financial harm, time, and expenses caused by these ongoing violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
The XXXX XXXX XXXX and the credit bureaus are reporting multiple student loan accounts as open, current, and deferred with balances owed. This is inaccurate because I paid these loans in full in XX/XX/year>, with a bank payment of over {$14000.00} ( proof already provided ). 

I have disputed these accounts several times with all three credit bureaus. The fact that the accounts were recently updated proves my disputes were received. However, instead of correcting the reporting to Closed / Paid in Full / {$0.00} Balance, the bureaus changed them to current/deferred with balances, which is still false and misleading. 

Because of these errors, my credit score dropped by more than XXXX points, one of my credit cards reduced my limit, and I was denied an equity loan. I have also spent over {$200.00} on certified mail and countless hours trying to fix this problem. 

I am requesting that these inaccurate accounts be corrected to Closed / Paid in Full / {$0.00} Balance or deleted entirely, and that I be compensated for the financial harm, time, and expenses caused by these ongoing violations of the Fair Credit Reporting Act.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Debit card was stolen in XX/XX/year> due to being left in an ATM and funds were electrotonically debited without my authorization ( total is now {$150.00} ) - original criminal is an unknown subject. Local M & T branch manager spoke to me to escalate a fraud claim - bank did not handle fraud claim properly or competently and stole funds from my account ( funds that someone who stole my debit card spent fraudulently ). XXXX case number is XXXX. Bank has refused multiple times to give me my money back.

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