vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
XX/XX/year> VIA CFPB PORTAL Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : FCRA 609 ( a ) Request for Full Documentation XXXX XXXX with XXXX XXXX  account ending in XXXX Complainant : XXXX XXXX To Whom It May Concern : This correspondence serves as a formal procedural request under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) concerning the above-referenced account. XXXXXXXX XXXX XXXX has repeatedly issued template responses that do not satisfy their statutory duty to provide complete and verifiable information. Pursuant to FCRA 609, I am entitled to obtain and review all documentation the furnisher and credit reporting agencies are relying upon to verify, validate, and continue reporting this account. 

Accordingly, I request the following be provided within the statutory time frame : A copy of the original, signed credit application or agreement bearing my signature, authorizing the opening of this account. 

A complete record of account history, including billing statements, payment records, and correspondence associated with this account. 

Documentation establishing XXXX legal authority and ownership rights to report and enforce this account, including any assignment, transfer, or sale of interest. 

Identification of the person ( XXXX ) or system ( s ) that verified the accuracy of this account when previously disputed under FCRA 611, including the method of verification used. 

The name, address, and telephone number of any furnisher or third party that supplied XXXX or the credit bureaus with information regarding this account. 

XXXX repeated reliance on conclusory template statements such as no new information has been presented does not constitute compliance with FCRA 609 or 611, nor does it satisfy the duty to conduct a reasonable investigation under 623. Recycling inadequate responses demonstrates a willful pattern of noncompliance. 

Therefore, I demand that XXXX : Provide the requested documentation under FCRA 609 ( a ) without delay. 

Cease reporting this account to XXXX, Equifax, and XXXX  until validation is properly produced. 

Delete this tradeline if XXXX can not produce legally sufficient proof of my obligation. 

Failure to comply within 15 days will serve as further evidence of willful noncompliance, bad faith, and potential violations under 15 U.S.C. 1681n and 1681o, for which I reserve my right to pursue damages and seek regulatory enforcement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau Enclosures XXXX Prior XXXX Correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
This is completely unacceptable. The XXXX XXXX XXXX  XXXX XXXX Account Number XXXX ) and XXXX  ( Account Number : XXXX ) accounts were both previously removed from my credit file after legitimate disputes. To have these accounts reinserted without proper notice or certification is a blatant violation of my rights. Once an account is removed due to a dispute, it can not be reinserted unless I receive written notice within five business days, as required by 15 U.S.C. 1681i ( 5 ) ( B ). You have failed to meet this legal requirement, and to make matters worse, Ive yet to receive the necessary certification confirming the accuracy of the information, which is also mandated by 15 U.S.C. 1681i ( a ) ( 5 ). This is a direct violation of my rights under the law, and I will not accept this unprofessional handling of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I was offered a Capital One Savor credit card with no interest for 15 months and a cash back offer for {$200.00} for spending {$500.00} or more in the first 90 days of account opening date. I was approved for the card but I am being charged finance charges and the account is not on 0 % promotional plan and also did not receive my {$200.00} cashback sign up bonus. The finance charges that I have so far received are for {$23.00} on my XX/XX/year> statement. I tried to resolve with Capital One directly and they refused to remove the finance charges or allow me to dispute these. In fact, I spoke to a supervisor and they refused to offer any assistance. I also filed a complaint with the XXXX XXXX XXXX and they have closed the complaint. I am dissatisfied with their response of refusing to credit the account and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2025 {$1300.00}. Stated I owed this dollar amount to them. I requested validation of this loan which they refuse to send me any information. XXXX XXXX claims they are collecting for another company that I never heard of. I requested information from the company they are claiming to be representing but never received any information with my signature on it or a contract.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is completely unacceptable. The unauthorized address XXXX XXXX XXXX XXXX XXXX XXXX MA XXXXXXXX XXXX XXXX is still showing on my credit file, and I demand its immediate removal. I have never authorized this address to appear on my file, and its continued presence is a clear violation of my rights. Under the Fair Credit Reporting Act, consumer reporting agencies are required to report information with * * maximum possible accuracy * * ( 15 U.S.C. 1681e ( b ) ), and this incorrect address is not only inaccurate but harmful to my credit report. Its continued reporting is a direct violation of my rights under the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX, and that is the address that should be reflected on my credit file. Additionally, under 15 U.S.C. 1681n, I am entitled to damages for * * willful noncompliance * *, which can amount to up to * * {$1000.00} per violation * *. Under 15 U.S.C. 1681o, I am entitled to damages for * * negligent noncompliance * *. The failure to remove this unauthorized address is a violation I will not accept.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I recently applied for a Capital One Bank credit card and checking account and my application was approved and a few days later, I received an email from Capital One Bank informing me my new Capital One Bank credit card and checking account was being immediately closed due to previous and numerous Capital One Bank credit card applications that was previously approved. I dont have any previous credit card accounts with Capital One Bank because I dont have any credit or a current credit score with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am new to credit and trying to build my credit. Capital One Bank has my personal information added, tied and under another XXXX XXXX from some other city or state, because I have never had a Capital One Bsnk credit card account or checking account. I am a current resident of Iowa. I am from Iowa, born and raised. I have never resided or lived in any other state, but Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has continued to not follow the orders of the ruling of the lawsuit which determined I am to be returned money for Authorized-Positive Over Draft Fees. I am exhausted by this process in that I am failing to understand how to have my money returned to me. If I am confused about who issues these payments, could you please inform me of that. Wells Fargo charged me thousands of dollars in overdraft fees for checks that were withdrawn after a deposit had been made to my account or for checks that were returned when there was money in my account and then because their charges ensured that there was insufficient funds for it to clear, they would try to clear the check again and then charge me a second set of overdraft fees for the same check that should have cleared in the first place. This is really unacceptable. I could not read their last response. The file would not open, but this complaint is NOT resolved.

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 2025-09-21 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: OR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am disputing the reporting of XXXX XXXX # XXXX, which currently appears on my XXXX and XXXX credit reports. I did not open this account and have attempted multiple times to dispute it directly with the creditor. Instead of providing proper verification, XXXX has only sent me credit card statements, which do not prove that I opened or authorized this account. 

This failure to verify is a violation of the Fair Credit Reporting Act ( FCRA ). This matter has been ongoing for some time and has caused me significant hardship, especially as a single mother trying to secure housing for myself and my children. 

I request that this account be immediately removed from my credit reports with XXXX  and XXXX, as it is fraudulent and can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 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: MD

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: OR

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding any alleged debt you claim I owe. 

This notice serves as a written demand that you immediately stop contacting me by phone, mail, email, or any other means. The FDCPA clearly provides that, upon receipt of such a request, a debt collector must cease all further communication except to : 1.Advise me that your collection efforts are being terminated ; 2.Notify me that you may invoke specified remedies which are ordinarily invoked ; or 3.Inform me that you intend to invoke a specified remedy. 

Other than the above exceptions, you are prohibited from contacting me in any way regarding the alleged debt. 

Please note that I am documenting all correspondence and communication attempts for potential use in filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state, as well as in any private legal action I may pursue. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is completely unacceptable. Experian is reporting a 30-day late payment for XX/XX/year> on XXXX XXXX XXXXXXXX. I have never been late on this account, and the payment status clearly shows all payments were made on time. Despite this, the account history incorrectly lists it as late, violating the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Consumer reports must be accurate and only furnished in accordance with my instructions ( 15 U.S.C. 1681a ( 4 ) and 1681b ( 2 ) ). This inaccurate reporting is both negligent and willful, creating liability under 15 U.S.C. 1681n and 1681o.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX ( XXXX EXETER FINANCE LLC XXXX TX XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding any alleged debt you claim I owe. 

This notice serves as a written demand that you immediately stop contacting me by phone, mail, email, or any other means. The FDCPA clearly provides that, upon receipt of such a request, a debt collector must cease all further communication except to : 1.Advise me that your collection efforts are being terminated ; 2.Notify me that you may invoke specified remedies which are ordinarily invoked ; or 3.Inform me that you intend to invoke a specified remedy. 

Other than the above exceptions, you are prohibited from contacting me in any way regarding the alleged debt. 

Please note that I am documenting all correspondence and communication attempts for potential use in filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state, as well as in any private legal action I may pursue. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: ID

Complaint narrative:
TransUnion conducted a dispute on XXXX XXXX XXXX. They responded with the account was verified accurate. However this is false and I direct violation of my consumer rights. After a reinvestigation the account must be complete and accurate and verified or it must be deleted. In fact i received communication from the company and can provide proof in which they claim they are not even reporting to the agencies. Therefore the investigation AND most important reinvestigation was not complete according to law. They did not occur and I have been lied to intentionally.

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 2025-09-21 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: CA

Complaint narrative:
Multiple bureaus failed to get back to me within 30 days and I reported them all to CFPD and theyve failed to reply within the 15 day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Multiple bureaus failed to get back to me within 30 days and I reported them all to CFPD and theyve failed to reply within the 15 day window.

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