vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a dispute with the credit reporting agencies ( XXXX  and XXXX  ) but it was denied. I supposed I did not put enough detail, or the report may have been overlooked. I filed another dispute with the credit reporting agencies on XX/XX/XXXX describing with greater detail. XXXX  shows that the account status for XX/XX/XXXX was 120 days late and XX/XX/XXXX was charged off. This does not match up with XXXX  's report, showing XX/XX/XXXX was 150 days late and XX/XX/XXXX was not reported. This account being " Charged Off '' and has been charged off with the balance of {$940.00}, therefore the balance should show {$0.00}, but it says there is a balance of {$940.00} still reporting. I requested a copy of the 1099-C for the Charged Off account. This account should be closed because of the above information. The letters I attached were sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Arvest Bank Issue On Tuesday XX/XX/XXXX at XXXX, I made a deposit of XXXX from a check from XXXX XXXX XXXXXXXX XXXX 
On Wednesday XX/XX/XXXX the credited the account for that amount and put a hold on XXXX due to that check, and it remains as of XX/XX/XXXX despite the check clearing. 
I was not notified of the hold until I received a letter on XXXX in the mail, supposedly sent XX/XX/XXXX. 
I contacted the Arvest customer service center on XX/XX/XXXX, and they told me that despite the check clearing, they have the right to put a hold on my account for 7 business days due to the check being greater than {$5500.00}. They also told me that the funds would be available on XX/XX/XXXX. 
The letter said something very different. It stated that due to my check deposits exceeding {$6700.00} for that day, they placed a hold on my check until XX/XX/XXXX. 
7 business days from Tuesday should be Thursday, XX/XX/XXXX, but due to the holiday, it would be the 5th. 
The issue is that the check has cleared. There is no valid reason to put a hold on my account. I am aware that the law permits this. That is wrong. 
I had to buy a car, and they rejected the down payment check so I am dealing with that issuer. I needed a car for work. I purchased it the weekend after the traveler 's check cleared.

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 2025-09-05 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:
I have submitted disputes to Experian on two separate occasions regarding accounts that do not belong to me. I provided an official Identity Theft Report and supporting documents as proof that these accounts are fraudulent. Despite this, Experian has continued to report these accounts on my credit file. This failure to correct inaccurate and unauthorized information is a direct violation of my rights under the Fair Credit Reporting Act, which requires credit bureaus to investigate and remove unverifiable or fraudulent 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I have no knowledge of this Company and who they are but they have reported to the credit agencies I have never sign a contract with them.Please provide my Signature and the proof of legal Contract please also provide how you have Verified this debt.this company is violating my rights they have not provide Validation information under 12CFR 10006. ( b ) ( 5 ) yet they have place a collection on my consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: 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 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 2025-09-04 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: WI

Complaint narrative:
Recently, I conducted an investigation on my credit report and found several items to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : Experian : 1. XXXX XXXX, Acct # XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 2. XXXX XXXX XXXX Bank, Acct # XXXX Reported as Charged Off, {$19000.00} balance. Date Opened- XX/XX/XXXX 3. XXXX XXXX  XXXX, Acct # XXXX Reported as Charged Off, {$3900.00} balance. Date Opened- XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XXXX Credit Card, Acct # XXXX  XXXX Reported as Charged Off, {$17000.00} balance. Date Opened- XX/XX/XXXX 2. XXXX XXXX Services ( XXXX ), Acct # XXXX  XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 3. XXXX XXXX XXXX, Acct # XXXX  XXXX Reported as Charged Off, {$3900.00} balance. Date Opened- XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX  XXXX Reported as Charged Off, {$4300.00} balance. Date Opened- XX/XX/XXXX 5. XXXX XXXX XXXX Bank, Acct # XXXX XXXXXXXX Reported as Charged Off, {$19000.00} balance. Date Opened- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments on time, and these reporting errors are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete this account from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Radius Gobal Solutions has called and wrote me, in regard to XXXX XXXX account, that is not mine and nor that I have knowledge of. I have explained to them on numerous occasions that this is fraudulent, and to stop harassing 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
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Care of Resurgent Capital SERV, XXXX, XXXX, XXXX Formal dispute of Inaccurate Credit Report Entry Under The Fair Credit Reporting Act. 

To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit file. I obtained a copy of my credit report from your bureau, and I found the following item ( s ) to be in error : LVNV Funding / account # XXXX Reason for Dispute : [ This account does not belong to me. ] Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate this matter, review all relevant information I am providing, and correct or remove the inaccurate information from my credit file within 30 days of receiving this dispute. 
Please conduct your reinvestigation and provide me with a written response, including the results of the investigation and an updated credit report reflecting the corrections. 

If you determine that the disputed information can not be verified, the law requires you to delete it from my file. Additionally, under the FCRA, you must notify any creditor or furnisher of information involved in this dispute. 
Please consider this letter a formal request that you comply with your obligations under federal law. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of the Data Breach for both Trans union and Equinox and on XX/XX/year>2025, after speaking with someone about my credit, I found that someone has been running inquires for credit without my knowledge using my information for all 3 credit agencies for several years.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of the Data Breach for both Trans union and Equinox and on XX/XX/year>2025, after speaking with someone about my credit, I found that someone has been running inquires for credit without my knowledge using my information for all 3 credit agencies for several years.

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 2025-09-05 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:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
Thank you for reviewing my complaint. I have always paid the current month 's mortgage payment, plus the assessed late fees the last day of the month ; because I get paid once a month, at the end of the month. 

There is a note on my account with XXXX XXXX XXXX  that states I pay the mortgage the last day of the month. 

All 3 of my credit reports that show the last 7 years, I've never missed a payment or was late a payment. 

In XXXX, I made a payment on XX/XX/XXXX for the XXXX payment. XXXX XXXX XXXX  would not accept payment on XX/XX/XXXX. It was posted to my account on XXXX and reported to all 3 credit bureaus a 30 day late payment. My payments are sent online. XXXX XXXX XXXX does not have an option to make payments directly to XXXX XXXX XXXX, they have to use a third party company that will not process payments the same day. 

I am not in the position to physically go to a bank and make a payment. XXXX XXXX XXXX  does not have locations where I am easily accessible too. There are few banks in which the area I am located on my pay days. I have to send my payment electronically. 

I feel discriminated against because of my ethnicity and being a minority. In other cases if I were the majority or a white person, this would be granted to the consumer. XXXX XXXX XXXX  advertises the following : " A local bank with a big heart! 
We're all about caring for communities and sharing with those in need. 
Our seasoned professionals listen and care - about you and your goals. In fact, our mission is your success. '' " We're invested in these local communities because we live here, too. For us, it's about more than providing financial services to customers. It's about forging bonds locally and giving back in as many ways as possible. '' " The awards we celebrate come from the people we serve, customers like you. We're proud of our various readers ' choice awards because they represent the positive impact we make on people every day. '' XXXX XXXX XXXX  does not care or have any compassion for the consumer after I have been a faithful and loyal customer since the inception of this account. 

I feel these are inexplicable discriminatory practices and false advertising!

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