vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been charged by the company XXXX XXXX to my capital one checking account over {$2600.00}. The first charge was on XX/XX/XXXX and the last one where I closed my debit card was on XX/XX/XXXX. I believe my capital one account has been compromised because I always keep my debit card locked but somehow someone has been able to charge my card. I have a XXXX XXXX account that I have not used in over a year so I know this is not my cash app account or my Charges.

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: EQUIFAX, INC.
State: WI

Complaint narrative:
Im not associated with these entries ; they must be taken down within 15 days according to USC 1681g.

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 — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Caine & Weiner Company Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Formal Debt Validation Request & Cease and Desist Notice Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Agency Number : XXXX Original Creditor : Progressive Balance Reported : {$310.00} To Whom It May Concern, This letter serves as a formal demand for full validation of the above-referenced account. I dispute the accuracy, ownership, and validity of this alleged debt under my rights established by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

You are required by federal law to cease all collection activity until you provide proper validation. Please provide all of the following within five ( 5 ) business days : 1. A copy of the original signed contract or agreement bearing my signature, establishing the alleged debt.

2. An itemized statement detailing the balance, including principal, interest, late fees, and any other charges.

3. A copy of the assignment contract or bill of sale between your company and the original creditor proving that you have legal authority to collect or report this debt.

4. The name, address, and full contact information of the original creditor.

5. Proof of licensing and authorization to collect debts in the State of Florida.

A generic billing statement or internally generated verification from your system does not satisfy this federal requirement.

Cease and Desist Notice Until you have provided full and proper validation as required by law, you are instructed to immediately cease all collection efforts, including but not limited to : Reporting or
verifying this account to any consumer reporting agency ( XXXX, XXXX, or XXXX  ) Making phone calls, sending letters, or initiating any other form of contact Failure to Comply Failure to comply with this request will result in the following actions without further notice : Filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Florida Attorney General, and XXXX XXXX XXXX XXXX ( XXXX  ). 
Consideration of legal action for violations of the FDCPA and FCRA, which may include statutory damages, attorneys fees, and court costs.

If you can not provide full documentation within the allotted time, you must : Cease all collection efforts immediately, Delete this account from all consumer reporting agencies, and Provide written confirmation that the account has been permanently removed.

You have been formally notified. Please govern yourself accordingly. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The entry in dispute does not align with my actual financial conduct and appears to be in error. Please update my account appropriately.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am also requesting that TransUnion conduct a reinvestigation into the accuracy of the following accounts and late payments listed on my credit report. Some information appears inconsistent with my records and may be outdated or incorrect.

Charged-Off Accounts in Dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Late Payment Account in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask that TransUnion verify these items directly with the furnishers, provide documentation supporting their accuracy, or delete them if they can not be fully verified.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: Experian Information Solutions Inc.
State: FL

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 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: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lennar Financial Services, LLC
State: AL

Complaint narrative:
I am a mortgage loan officer - I am constantly having my clients hijacked by the local builders after I've been working with a client for months. They go to their new home subdivision and offer them a huge amount of money and extras but they have to move their mortgage loan approval to their lender and close with them. The agent argued that they had been working with their current lender for months and absolutely adored him and they said then no help with closing cost and no extras.

So the time, money and effort put into getting this client where they could by. They walk off and someone throws money at them to leave the one they have picked and trusted and been working with. The guy that already did the work and earned the trust and the business of the client. The latest was with Lennar today, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX among others make this a common practice. There are other large companies like XXXX XXXX  that have no problem allowing the same incentives for a reputable local lender. I believe they are involve in a " tying arrangement ''

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and outdated information being reported by Equifax. I have attempted to resolve these matters directly with the credit bureau but have not received a satisfactory resolution. The following items are being disputed : Charged Off Accounts XXXX  XXXX Account # XXXX, dated XX/XX/XXXX This account is beyond the XXXX reporting period under FCRA 605 ( a ). It should no longer appear on my credit report. 

XXXX XXXX XXXX Account # XXXX, dated XX/XX/XXXX This account is also beyond the XXXX reporting period and must be removed. 

Hard Inquiries The following inquiries were not authorized by me or are questionable in nature : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that Equifax provide documentation of my written authorization for each inquiry, or remove them immediately. 

Late Payments The following accounts show late payment history that I dispute as inaccurate or unverifiable : Achieve Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: MI

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, Klarna failed to properly handle two separate billing disputes on my account. 
First dispute ( XX/XX/year> ) : Klarna entered incorrect information during processing, causing the dispute to be denied without valid basis. 

Second dispute ( XXXX, XXXX  ) : I initiated the dispute on XX/XX/year>. 

On XX/XX/XXXX i spoke to a Klarna representative confirming I had until XX/XX/year> to submit supporting documentation. 

On the same day ( XX/XX/XXXX ), Klarna activated the invoice, applied a late fee, and resumed collection activity without explanation and before the stated deadline.

This premature activation violates fair billing dispute procedures under the Fair Credit Billing Act ( Regulation Z ), which requires creditors to suspend collection during an active dispute and honor their own stated timelines. Klarna provided no notice of the status change and ignored their own deadline.

As a result : I was charged an unauthorized late fee.

The invoice was reported as overdue and has been sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hired lady to help me with my credit and she defrauded me she had money sent to my account and then transferred it to her. I gave her this access as she said it was needed to monitor my accounts but ensured me she wouldnt mess with my information it was just being monitored. Today the bank closed my account terminated my relationship but reported me to the XXXX XXXX and earning warning. I file a police report for fraud against this lady

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Account being reported does is not mine or known to me I have disputed 4 times with XXXX and they are giving me a hard time I have sent all documents needed time after time

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: VA

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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported information is erroneous and creates a false impression of my financial responsibility. Kindly correct it and update my file.

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: IL

Complaint narrative:
I am disputing the accuracy of certain accounts and inquiries reported on my TransUnion credit file. The following accounts are in dispute, and I request a full investigation into their accuracy. 

Charged Off Accounts : I dispute the following charged off accounts that are inaccurately reported on my credit file : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : I dispute the following unauthorized inquiries on my TransUnion credit report : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : I dispute the following late payments, as they are inaccurately reported : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 2025-11-06 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: TX

Complaint narrative:
Please inspect the submitted records ; these inquiries came through without notice and could be unapproved.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting a full reinvestigation of the following charged-off accounts currently being reported by Equifax. I believe several may contain inaccurate, incomplete, or unverifiable information.

Please verify all details directly with the furnishers, including account status, balance, and date of last activity. 
If Equifax or the data furnishers can not fully verify the information with supporting documentation, I am requesting deletion of the disputed items under FCRA 611 ( a ).

Charged-Off Accounts in Dispute : DPT EDXXXX XXXX XX/XX/XXXX {$27000.00} DPT ED/XXXX XXXX XX/XX/XXXX {$6100.00} DPT EDXXXX XXXX XX/XX/XXXX {$8400.00} DPT EDXXXX XXXX XX/XX/XXXX {$1600.00} DPT EDXXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXXXX XX/XX/XXXX {$3000.00} XXXX XXXXXXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$420.00} XXXX XXXX  XXXX XX/XX/XXXX {$530.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late Payment in Dispute : XXXX XXXXXXXX I am requesting that the late payment listed above be verified with the creditor. If documentation of late payment can not be provided, please remove it from my file.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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