vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone has been hacking my devices and changing passwords on our account Ive reported it to police they do nothing well now the hackers felt the need to charge a membership on the capital one credit card I called capital one and the agent was saying she couldnt give me my money back then she transferred me before I told her to close the card and now its been about XXXX months and I still dont have my new card and they keep saying when I call that they are sending a link to verify my identity but I never get it and I requested for them to call me but no one has when I try to use the web to login it always says error my bill was due this month but I cant login to my account because it want the credit card number. Why would they close a card and not send newone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
Re : FCRA 605B Identity Theft Block Request Noncompliance CFPB Complaint No. : XXXX To Whom It May Concern : I am writing to formally reiterate and demand compliance with my previous identity theft block request submitted to Experian, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). 

On or before XX/XX/year>, I submitted the following documentation to Experian in full compliance with FCRA XXXX : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) ; XXXX. A police report documenting the identity theft ; XXXX. A copy of my government-issued identification ; XXXX. A current utility bill verifying my address ; XXXX. A written request to block fraudulent accounts resulting from identity theft.

According to FCRA 605B, Experian is required to block the reporting of such information within XXXX business days of receiving this documentation. Instead, Experian conducted a reinvestigation, which is not the appropriate legal remedy for identity theft disputes under this section. Your response to the CFPB confirms this misstep and represents a willful or negligent violation of the FCRA. 

Further, unless Experian has received documented proof from the furnishers affirming the information is accurate and not the result of identity theft, you are federally obligated to block the disputed items. No such justification has been provided.

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 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I never had allstate. They did not provide any proof that this is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Upon check my credit report, I discovered several account not belonging to me. I have file dispute with credit bureaus and debt collectors. No one has sent me any information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 AM A VICTIM OF IDENTITY THEFT. MULTIPLE FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME. AFTER A THOROUGH INVESTIGATION MONTHS AGO FRAUDULENT ACCOUNTS WAS DELETED, INCLUDING XXXX XXXX XXXX  ACCOUNT NUMBER XXXX. EQUIFAX IS IGNORING THESE FACTS, ANDARE CONTINUOUSLY REINSERTING FRAUDULENT ACCOUNTS BACK ON CONSUMERS REPORTS WITHOUT NOTIFYING THE CONSUMER. I AM DEMANDING THAT EQUIFAX PERMANENTLY REMOVE, AND BLOCK THIS ACCOUNT FROM REAPPEARING ON MY CREDIT REPORT AGAIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The debt collector placed a collection account on my credit report without properly verifying the debt after I submitted a written dispute. The only response I received was a copy of an old lease agreement, which does not satisfy the verification requirements under the FDCPA or FCRA. They have continued to report this unverifiable debt to the credit bureaus in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I visited XXXX XXXX in California to purchase a vehicle. I was pressured into financing a XXXX XXXX XXXX XXXX through American Credit Acceptance ( ACA ). At the time of purchase, the dealership instructed me to falsely report a {$7000.00} down payment to the lender, even though I only had {$1500.00} at the time. I was told this was required to get approved. Later, I was pressured to return and bring in another {$500.00}, bringing my actual down payment to {$2000.00} far below the amount reported to ACA. 

This misrepresentation resulted in a loan with an extremely high APR of 27.99 % and monthly payments of {$750.00}, which I never would have agreed to had the loan been disclosed accurately and truthfully. I was not given a fair explanation of the loan terms, and I believe the dealership intentionally inflated the down payment to deceive the lender and push the loan through. 

I contacted ACA in XX/XX/XXXXXXXX  and submitted a formal dispute. I am providing this complaint to report potential dealer fraud, loan misrepresentation, and predatory lending practices, and to ask for a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CO

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX | XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
> I opened a Citibank account online on [ XX/XX/year> ], deposited a legitimate check for {$1000.00}, and was allowed access to {$270.00} of that amount. I attempted to send part of those available funds to a trusted contact via XXXX, and Citibank froze my account immediately afterward. 

Since then, Ive been locked out of my account entirely including the ability to retrieve my full account number. When I call customer service, they repeatedly tell me they cant assist me unless I provide the full account number, despite the fact that I can not access it due to the freeze. I have offered to verify my identity using my full name, XXXX, date of birth, and the details of the deposit and XXXX transaction, but they continue to refuse assistance. 

I have also been told I need to visit a physical branch but I was not informed of this requirement when opening the account online, and branches were closed when I was told this ( on a weekend ). 

I have made multiple attempts to resolve this through Citibank customer service, including asking for escalation to fraud or compliance teams, and I have gotten nowhere. I believe this handling is unfair and a violation of my right to access my legally deposited funds. 

I am requesting immediate action to restore access to my account, release my funds, and ensure I am not penalized for a transaction that followed all stated terms. 










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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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and XXXX XXXX compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine. 

Therefore, I would respectfully request you to remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. 

I have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I would like to request that any mistakes be permanently fixed immediately. Finally, I kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all queries on my credit record. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Please Delete this Account! 

Listed below are the Collections that are being challenged XXXX XXXX  - XXXX Please Delete this Account!

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 2025-06-22 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 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 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 2025-06-22 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: NY

Complaint narrative:
i recently review my credit report and i notice i have fraudulent account on my report. please removed these account from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Bank said they open dispute, then closed it saying charges valid. I do not now, nor have I ever had, business with XXXX! This. Is. XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 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: NC

Complaint narrative:
XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX XXXX NC XXXX Date Of Birth : XXXX Last XXXX : XXXX XXXX XXXX I submitted a written dispute to all three credit bureaus ( TransUnion, Equifax, and Experian ) via the CFPB XXXX on XX/XX/year>, regarding a collection account reported by XXXX XXXX XXXX for XXXX ( Account # XXXX ). I provided detailed evidence of inaccurate, unverifiable, and inconsistent information being reported across all bureaus. 

As of XX/XX/year>, I have not received any response from the credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), the bureaus are required to investigate and respond within 30 days. 

Failure to respond within the legally mandated timeframe is a violation of the FCRA and the account must be deleted from my credit reports. I am requesting immediate deletion of the disputed account and investigation into the credit bureaus noncompliance. 

I am attaching the original dispute letter, proof of ID, utility bill, and a copy of my credit reports for reference.

Company response to consumer: Closed with non-monetary relief