vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been with PNCBank for over 22 years and they have a tendency to restack account withdrawals so you incur multiple fees. Their account updates are incorrect again causing you to incur additional fees. Yesterday my balance was - {$120.00}, I deposited {$150.00} and at the end of the day I was positive. I woke up this morning to my withdrawals being restacked which caused not only an overdraft fee but also multiple items to come out after already overdrawing which will ultimately cause multiple fees so Ill probably pay abt 3 more fees. I am closing this account because I am tired of this practice. This has to be illegal and very unethical. They need to be investigated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
The delinquent status on this account is inaccurate and should not be there.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-08 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: SC

Complaint narrative:
This is my FINAL and LEGAL DEMAND for the immediate deletion of the following accounts, including all late payments, charge-offs, and any reporting to RentBureau : XXXX ( Charge-off, Late Payments ) Self Lender ( Late Payments ) National Credit Systems ( RentBureau Apartment Balance ) I have already provided written documentation to both National Credit Systems and RentBureau that proves my personal data was involved in a verified data breach. These accounts were fraudulently opened, inaccurately reported, and not authorized by me. You are now in willful violation of multiple federal laws by continuing to report this information after being notified. 

Your actions violate the following FCRA statutes : 15 U.S.C. 1681c ( a ) ( 5 ) Re-aging and republishing previously deleted or obsolete information.

15 U.S.C. 1681i ( a ) Failure to perform a reasonable reinvestigation after I provided documentation.

15 U.S.C. 1681e ( b ) Failure to maintain procedures ensuring maximum accuracy.

15 U.S.C. 1681s-2 ( b ) Failure to delete or correct inaccurate or unverifiable information after receiving a dispute from a data furnisher.

15 U.S.C. 1681n Willful noncompliance with the FCRA, allowing me to seek actual damages, statutory damages, punitive damages, and attorney fees. 
You have NO LEGAL RIGHT to continue reporting these items after receiving documented proof that they stemmed from identity theft and a data breach. Continuing to report this fraudulent information is not only a violation of federal law but has also resulted in XXXX  years of housing denials, financial instability, and emotional harmmaking you liable for additional civil damages under tort law. 

YOU HAVE XXXX ( XXXX ) CALENDAR DAYS TO : Permanently DELETE all data related to these accounts from both your Experian file and RentBureau system. 
Remove all late payments and charge-off notations from my report. 
Send me a formal deletion and correction confirmation letter. 
If you do not comply within XXXX  days, I will immediately : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. 
Initiate a civil lawsuit in federal court for FCRA violations. 
Seek maximum damages under 15 U.S.C. 1681n and 1681o, including all costs, legal fees, and additional compensation for the irreparable harm caused. 
You are now fully liable. This is not a request it is a legal warning. 

You have been officially notified. Govern yourselves accordingly.

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 2025-07-08 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
This image shows a report from XXXX XXXX for a closed student loan with XXXX XXXX XXXX. Here are the key details : - * * Status * * : Closed - * * Balance * * : {$0.00} - * * Highest Balance * * : {$2700.00} - * * Reported Date * * : XX/XX/XXXX - * * Opened Date * * : XX/XX/XXXX - * * Term * * : No information provided - * * Payment Made * * : 40 % of payments for the account year XXXX This suggests the loan was fully paid off by the date of the report. 

XXXX XXXX XXXX XXXX department of education sold my information to a collection agency, now I have XXXX reports showing on my credit from this company. 


Which goes against Fair Credit Reporting Act ( XXXX  ) * * : Protects consumers from inaccurate or unfair credit reporting. 
- * * Fair Debt Collection Practices Act ( XXXX  ) * * : Protects consumers from abusive debt collection practices. 
- * * Truth in Lending Act ( XXXX ) * * : Ensures transparency of credit terms.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-08 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-08 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 account in question is being reported incorrectly on my credit report. It appears as a collection, but I have no recollection of ever having this account. There may have been a case of mistaken identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
This dispute is related to an inaccurate billing by XXXX that was transferred to XXXX XXXX XXXX. The amount of this statement is in dispute as I was charged for services which had been previously cancelled. I requested validation of these inaccuracies of how the charges were calculated and XXXX and could not provide the details. They sent the disputed amount to XXXX XXXX  XXXX. 

I received an initial collection notice from XXXX XXXX XXXX on XX/XX/year>. This collection letter included a billing statement from XXXX. I sent a timely debt validation request to the collection agency via certified mail upon receipt of their notice, in compliance with XXXX XXXX ( XXXX. XXXX ). The agency received and signed for this letter on XX/XX/year>, at XXXX pm. Subsequently I received a letter from XXXX XXXX XXXX on XX/XX/year>, incorrectly stating I did not respond to their original collection letter with a date after they received my validation request. XXXX XXXX  XXXX reported the debt to Equifax in violation of my rights under FCRA. 

Despite my request, more than XXXX  days have passed since my validation request received by XXXX XXXX  XXXX on XX/XX/year>, XXXX XXXX. To date, XXXX XXXX  XXXX, XXXX has not provided additional validation and incorrectly claimed I had not responded to their notice of collection despite being provided evidence to the contrary, In my dispute with Equifax, I have provided copies of the aforementioned letters and a copy of the certified XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX End # XXXX Customer # XXXX To : CFPB Subject : Complaint Against Capital One N.A Refusal to Provide Payment History and Balance Information Dear CFPB I am writing to formally file a complaint against Capital One N.A. I have made multiple requests for my payment history and current balance due for the years XXXX and XXXX, and Capital One has repeatedly refused to provide this information. 

As a consumer, I am entitled to receive a full accounting of my account activity, including records of payments made and the outstanding balance. This information is necessary for my personal financial records, as well as to verify the accuracy of charges and interest accrued. 

Despite my good faith efforts to resolve this issue directly with the companyvia phone calls, written requests, and online customer serviceCapital has not complied. Their refusal to provide basic account information is both unreasonable and obstructive. 

I am requesting the assistance of the CFPB in resolving this matter. Specifically, I am asking that Capital be required to : 1. Provide a full payment history for the years XXXX and XXXX ; 2. Provide a current account balance due, broken down by principal, interest, and any fees. 



Thank you for your attention to this matter. I appreciate your assistance in helping bring this issue to a fair and timely resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2025-07-08 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My personal information has been being used to either open or attempt to open accounts fraudulently. I discovered that an account with Capital One had been opened and my banking information with XXXX XXXX was used to make payments to Capital One. I disputed the account and after an investigation, Capital One found it to be fraudulent and closed the account. I contacted XXXX XXXX and filed a dispute about the funds that had been deducted from my checking account to pay the fraudulent card. XXXX XXXX informed me that they could not refund the transaction and told me to contact Capital One about a refund. When I contacted Capital One, a supervisor with their fraud department told me that I would have to dispute with my financial institution. When I advised her that I had already done that and they referred me to Capital One. She then initiated a XXXX call between her, me and a representative from XXXX XXXX XXXX Once the entire situation was explained, XXXX XXXX again stated that they could not refund the payment and again stated to contact Capital One whose representative was still on the line. At this point, the call was disconnected, and I was advised by the supervisor from Capital One to file a dispute with CPFB because XXXX XXXX can not deny me a refund when the case was proven to be fraudulent. Since then, I have been getting bounced back and forth between Capital One and XXXX XXXX. The conversations between myself and these institutions are getting really rhetorical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief