vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I contacted Portfolio Recovery Solution to pay my balance in full for deletion. They advised my balance was {$760.00} but I only had to pay {$380.00} for my account to be deleted. My credit report updated to settled for less than the full balance. I called the company and the advised me that by a law they had to wait XXXX  days to request the deletion. I know that there is no law stating this. The representative claimed she was speaking for her supervisor continued to say even if I paid the rest of balance which I was prepared to do from day XXXX. By law they could not send this letter. I was mislead and lied to. I am requesting this be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$4800.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Open complaint : XXXX Per Regulation E the bank should have provided a provicional credit for my missing XXXX on XXXX when I filed my claim. They said they were going to send me a written statement of authorization and I did not receive XXXX till I filed the complaint through the CFPB on XX/XX/XXXX. This fall under a bookkeeping error made by the financial institution. The bank failed to return my funds when they were blocked. Now my funds have been reinstated as of XX/XX/XXXX however I requested they be back dated to XX/XX/XXXX due to their error. I have lost XXXX weeks of interest. The bank should have controls in place : XXXX. To provide a provide a provisional credit within 10 days of the error. 
XXXX Review transfers that were blocked by a third party XXXX. Send written statement to customers in a timely manner from their initial first call. 
XXXX Credit any interest loss as a result of bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
DEAR SIR/MADAM, I am submitting a formal dispute regarding my credit report and the following inaccuracies. I request a thorough investigation and prompt correction of the following items. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/XXXX  Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am writing this final follow-up regarding multiple disputed negative items that continue to appear on my credit file. Despite numerous disputes over the past several months, your agency has failed to provide proper verification or documentation to substantiate these items. 

With the CFPBs recent lawsuit against Experian for performing sham investigations, its evident that these same inadequate reinvestigation practices may be affecting your bureau as well. Consumers deserve real investigations not automated or superficial processes that perpetuate inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am writing this final follow-up regarding multiple disputed negative items that continue to appear on my credit file. Despite numerous disputes over the past several months, your agency has failed to provide proper verification or documentation to substantiate these items. 

With the CFPBs recent lawsuit against Experian for performing sham investigations, its evident that these same inadequate reinvestigation practices may be affecting your bureau as well. Consumers deserve real investigations not automated or superficial processes that perpetuate inaccuracies.

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 2025-11-12 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:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} AFFIRM XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account XXXX : FOVV Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account XXXX : XXXX  Date Open : XX/XX/XXXX Balance : {$16.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date Open : XX/XX/XXXX Balance : {$820.00} XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$360.00} XXXX  XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$890.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : 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 2025-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
My auto payments are scheduled to come out on the XXXX of each month with XXXX mortgage. 

My payment for XXXX never pulled from the account. I was not notified of this by XXXX mortgage. 

I checked my account at the end of the month to see the payment was not applied and began investigating. 

On XXXX and XXXX XXXX, I sent over XXXX payments from XXXX in the form of an ACH withdrawal in the amount of XXXX each. I was informed today, XXXX XXXX, when I called that they rejected the payments because they were not certified, but they are still holding the money. How can they just hold my money and not return it, and not apply it to my account? 

The agent with XXXX mortgage stated that she sees that I was never issued the letter to require certified payment, I only have a letter saying that my auto pay was cancelled, and that I could still make digital payments through my bank. Nothing on my account says I must make certified payments. She also told me that a letter was sent on XXXX XXXX with intent to foreclose on the home. How is this allowed when the bank themselves confirmed that they never sent me notice of not being able to make digital payments? The agent herself told me to " just ignore the official letter we sent about you still being able to make digital payments. That should not be allowed. '' As an XXXX XXXX service member who is serving during a government shutdown, this is extremely disrespectful and unprofessional. I have never experienced such a lapse in communication, just to be told " I'm sorry. Ignore the official mail we sent, we didn't mean it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
Regarding the overdraft and NSF fees I have been charged from the bank I have my checking account through is more than all of the withholdings from my monthly pay checks from my job ( which also includes withholdings for XXXX and health plan ) in XXXX year I have paid the bank over $ XXXX for fees charged to me. I understand I have duty of responsibility to make sure funds are available prior to purchasing but I can not get out of the rut. Each time my paycheck is automatically deposited the bank takes half of my paycheck for fees owed to them so then i have to keep using over draft and so on and so on. there should be a limit as to what the banks can charge for fees. my bank charges {$35.00} a pop but cant charge after the XXXX transaction daily. That allows them to charge up to 6 times a day x {$35.00} = $ XXXX for having to use over draft protection. Unreal that they are allowed to make billions off of this. Rant over..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Representing XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX Date : XX/XX/2025 Subject : Formal Complaint Regarding Unverified Collection Account on Credit Report for XXXX XXXX XXXX I XXXX writing on behalf of my client, XXXX XXXX XXXX XXXX to file a formal complaint regarding an unverified and potentially inaccurate collection account that continues to appear on her credit report. Despite multiple previous requests for a full investigation and removal of this disputed debt, the matter remains unresolved. 

XXXX XXXX has complied with all verification requests and has made repeated attempts to have the collection agency and the credit reporting bureaus provide proper validation of the alleged debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, no adequate documentation or verification has been provided. 

The continued reporting of this unverified debt is causing ongoing harm to XXXX XXXX credit standing and financial opportunities. As such, we are requesting that the CFPB conduct a thorough investigation into this matter to ensure full compliance with federal consumer protection laws and to facilitate the immediate removal of the disputed collection account from her credit file if proper validation can not be substantiated. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-11-12 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: TX

Complaint narrative:
Equifax continues to report an inaccurate collection account from XXXX XXXX XXXX for XXXX XXXX, despite proof from the original creditor showing a {$0.00} balance as of XX/XX/year>. This violates FCRA 605 ( b ) and 611. I am requesting immediate deletion and written confirmation

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 2025-11-12 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hanwha QCells USA Corp
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXContracted with me to lease a Solor System on my house, that would meet all of my electrical needs, including the minimum connection to the grid by XXXX XXXXThe installation was in XXXX XXXX XXXX   Since day one I have been in communication with XXXX XXXX XXXX XXXX as my solar installation app show there is an error in the installation and that the system is only producing 50% of my electrical needs.  Each time I complain, they send out a repair person, and I am told the system it fixed, or the battery is not working, or they cannot find out what is wrong.\n\nI was to have had their repair person come out once again today, Wednesday, XXXX XXXX XXXX but they did not.  Upon complaining, I was told this coming Friday they would send a repairman.\n\nIn the meantime, they have been turned over to EN FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Enfin informs me that if I do not pay XXXXper Account Number with them XXXX, for billing.\n \nIf I pay this amount, I feel that I will not get my Solor installed as contracted and\nas I am being billed by XXXX XXXX, I am basically being asked to pay double for my electricity\nNo amount of requests on my part have gotten XXXX XXXX to fix my solar to date.  I feel the only way to get them to fix it after 3 months of complaints, is to with hold payment.  \n\nI called Enfin this date, XXXX XXXX XXXX XXXX   I was put on hold, transferred to XXXX XXXX XXXX, told them I was requesting a deferred billing, per\nEN FIN instructions.  I was then transferred several times to Homeowner Customer Service, and finally back to XXXX  at En Fin, XXXX XXXX XXXX, who advised that my contract does not allow a deferred payment, but would file a complaint for me. I am to call him Friday, XXXX XXXX to let him know if it is fixed, with no promise of deferred billing.\n\nI feel that the only way I will get my solar operating is to withhold payment as I have bee complaining and been ignored for XXXX  MONTHS.\n\nI recorded my phone call of this date with En Fin.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2025-11-12 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 disputing the following accounts with Equifax as they appear to be reported inaccurately. I request that these be thoroughly investigated and corrected if necessary. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$310.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$6600.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$960.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$960.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$260.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Avant Holding Company, Inc.
State: MT

Complaint narrative:
On XX/XX/year> i had avant remove a debit card from their account! On XX/XX/year> they illegal pulled money from my debit card and resulted in an overdraft! I called them and asked for the money they pulled and the overdraft fee! I was told they will not give me it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-11-12 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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