vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
XXXX : XXXX closed my XXXX XXXX checking, saving account and associated credit card without stating specific reasons. An annual fee XXXX $ posted to the closed credit card. 

XXXX : I called the XXXX line to request ( a ) the specific reason ( s ) for the closure and ( b ) a re-verification path if this was routine XXXX I was told the closure could not be appealed and the annual fee would not be refunded.

I have no delinquency. I request senior review and reinstatement ( or a clear re-verification path ). If any consumer report was used, please provide FCRA adverse action disclosures. If reinstatement is declined, please refund the annual fee XXXX $ issue a final statement, confirm the refund method/timeline, and ensure no negative credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
AFTER NUMEROUS COMPLAINTS WITH NO RESOLVE-company continues to report working on this since XX/XX/2025, my credit is being breached at least 2xs every 30 days, Freezes lifted, personal information lifte XXXXCalled Transunion Freeze was fraudulently lifted and a fraudulent phone number was added and email was fraudulent, Transunion confirmed that there were three loan application and credit was pulled for XXXX  XXXX, XXXX XXXX  XXXX  and XXXX XXXX XXXX. I again requested a freeze be put back on, fraud alerts put back on, and personal information corrected back and disputed the three credit pulls as Fraud. I confirmed online access continues to be locked. Transunion was breached again. 

XXXXTransunion Breach again, Fraud alerts removed, credit unfrozen, personal information changed, online profile fraudulently set up and opened after I had locked and disabled. All my information was breached again. Submitted a complaint again, Transunion lack of security is creating fraud at least 2xs monthly where my credit is be unfrozen and access by fraudster, I have submitted complaints monthly and nothing is done. Mailed in a request to have a password added in addition to authentication. Credit continues to be breached and making complaints is not getting any better responses!!!!

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
AFTER NUMEROUS COMPLAINTS WITH NO RESOLVE-company continues to report working on this since XX/XX/2025, my credit is being breached at least 2xs every 30 days, Freezes lifted, personal information lifte XXXXCalled Transunion Freeze was fraudulently lifted and a fraudulent phone number was added and email was fraudulent, Transunion confirmed that there were three loan application and credit was pulled for XXXX  XXXX, XXXX XXXX  XXXX  and XXXX XXXX XXXX. I again requested a freeze be put back on, fraud alerts put back on, and personal information corrected back and disputed the three credit pulls as Fraud. I confirmed online access continues to be locked. Transunion was breached again. 

XXXXTransunion Breach again, Fraud alerts removed, credit unfrozen, personal information changed, online profile fraudulently set up and opened after I had locked and disabled. All my information was breached again. Submitted a complaint again, Transunion lack of security is creating fraud at least 2xs monthly where my credit is be unfrozen and access by fraudster, I have submitted complaints monthly and nothing is done. Mailed in a request to have a password added in addition to authentication. Credit continues to be breached and making complaints is not getting any better responses!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the following accounts listed on my credit report. I request that these accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report.CHARGED OFF Account Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} CHARGED OFF Account Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
In XX/XX/, I received a debt collection notice from attorneys representing Midland Credit Management for an alleged XXXX XXXX account with a balance of {$2300.00}. 

The name listed on the account was " XXXX XXXX '', which is not my full legal name. My legal name is XXXX XXXX XXXX XXXX, and all of my financial accounts use either that name or XXXX XXXX XXXX XXXX. I have never had an account under the name XXXX XXXX alone. 

I did not recognize the debt as valid and, on XX/XX/, I sent a written request for validation via certified mail. My letter asked for : - Documentation showing that Midland purchased my specific account. 
- The full account number and proof that it belonged to me. 
- A signed agreement, or documents required under the E-SIGN Act.

- A complete payment and transaction history. 
- Proof that their firm is authorized to collect debts in my state. 

After they filed a lawsuit against me, I hired an attorney who filed a Notice of Appearance on my behalf and formally requested key documentation to validate the debt. 

Midlands attorney acknowledged our request and said they would send things in bits and pieces, but they never followed through. Instead, they filed a Motion for Default Judgment, despite being in communication with my lawyer and knowing that we were waiting for documentation.

The documents they did send included only partial billing statements. They failed to provide any documentation linking me directly to this debt : no contract, no digital agreement, and no proof of purchase of my account specifically. 

In fact, Midlands attorney admitted in writing : I can share with you that there are no signed applications for credit, as those virtually do not exist in the marketplace anymore. This makes it even more important that they provide E-SIGN Act-compliant records, such as IP address, timestamp, or electronic signature.

Midland is also reporting this account to credit bureaus, causing financial damage, despite not having fulfilled its legal obligation to validate the debt. I previously filed disputes with XXXX  and XXXX, but did not receive a positive resolution. The account is still being reported, despite being formally disputed and unverified.

I am requesting that the CFPB investigate these practices, stop the continued collection and reporting of this unvalidated debt, and hold Midland accountable for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-06 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the following accounts listed on my credit report. I request that these accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

CHARGED OFF Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} CHARGED OFF Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and for failure to comply with Metro 2 reporting standards required by the XXXX XXXX XXXX XXXX XXXX XXXX ). This is a formal dispute regarding all late payments that is being inaccurately reported on my credit file, XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation and continued to furnish the same inaccurate information to the credit bureaus.

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 2025-11-06 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: MN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Subject : Complaint Regarding Deceptive Practices and Inconsistent Information from Capital One Dear Consumer Financial Protection Bureau, I am writing as an everyday, hardworking, tax-paying American who relied on Capital Ones promotional offer of XXXX miles to help me travel home and see my family for the holidays. The card required a {$4000.00} spend within a month, and I put all my expenses on it to meet that threshold. 

Initially, I was locked out of my online account, which delayed my ability to use the card, and Capital One granted me an extension to compensate for that lost time. 

However, after I made the final transaction on the agreed extension date, the charge posted one day later. I received conflicting answers from different Capital One representativessome assured me I would still receive the miles, while the final response was that I would not. I believe this inconsistency and last-minute denial of the reward is deceptive. 

I respectfully request your assistance in addressing this matter. Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: TX

Complaint narrative:
I paid in full and I need it to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX Email : XXXX RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX Re : Formal FCRA/FDCPA Dispute & Demand for Deletion Acct # XXXX To the Compliance Department, I am disputing the accuracy, completeness, and legal permissibility of the tradeline you furnish to XXXX  for account # XXXX. Debt buyer reporting a {$450.00} collection allegedly from XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/2024 ). 
You are hereby put on NOTICE that any continued reporting of inaccurate, unverified, or legally unenforceable information violates the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to FCRA 611 ( a ) and 607 ( b ), you must conduct a reasonable reinvestigation and ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 1 ) ( A ), you may not furnish information you knowor should knowis inaccurate. For debt buyers/collectors, FDCPA 809 ( b ) requires FULL validation before any collection or reporting activity.

Validation/Verification REQUIRED within 30 days of receipt : ( 1 ) Itemized accounting from {$0.00} to present ; ( 2 ) Copy of the original signed agreement and all assignments/chain of title ; ( 3 ) The full XXXX  XXXX data you are furnishing ( ECOA code, DOFD/DLA, payment grid, compliance condition codes ) ; ( 4 ) For student loans : deferment/forbearance records and proof of any alleged lates.

If you can not produce the above, DELETE this tradeline from every consumer reporting agency you furnish to. Failure will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o.

This is also a CEASE AND DESIST from communicating or publishing inaccurate data. Do not 'verify ' through automated e-OSCAR codes without documentary evidence. If you do, I will file complaints with the CFPB and my State Attorney General and consider civil action.

You have 30 days to complete a reasonable investigation and provide documentary proof. 
Otherwise, you must delete the tradeline promptly. 
Send your full response to my address above and email me a copy. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS 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