vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Back in XXXX, my Capital One checking account ending in XXXX was frozen for over a week due to an internal investigation. At that time, I received letters from Capital One notifying me of the freeze and assuring me that any fees or charges resulting from failed transactions during that period would be reimbursed. 

At the end of XXXX, I received an invoice from my XXXX  for XXXX months of payments plus a {$25.00} returned check fee related to a XXXX payment that I had written in XXXX. I called Capital One on XX/XX/XXXX and was told the fee would be reimbursed once the payment was posted, and that I should call back at that time. 

On XX/XX/XXXX in the morning, I called again. Unfortunately, this call was frustrating and time-consuming I was transferred between XXXX representatives over the course of more than half an hour before finally speaking with a XXXX named XXXX, who opened a case for me ( XXXX ID : XXXX ). 

On XX/XX/XXXX, I received a secure message from Capital One regarding my refund request. They denied the {$25.00} XXXXXXXX  fee refund, stating they found no evidence of error and encouraged me to work directly with the merchant. This is frustrating because the fee was directly caused by Capital One 's decision to freeze my account, and I had already provided a photocopy of their official letter documenting this action as evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation left errors on my credit report that i'm disputing

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing an account being reported/collected by XXXX XXXX XXXX This account is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests for validation, XXXX XXXX has not provided a signed agreement, itemized statement, or proof of ownership. Continued reporting and collection attempts are causing harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX, VA XXXXnDate of Birth: XXXX\nSSN: XXXX\nTo:\n[XXXX XXXX XXXX, TX XXXX\n[Equifax]\nP.O. Box 740256\nAtlanta, GA 30374\n[TransUnion]\nP.O. Box 2000\nChester, PA 19016\nRE: Formal Dispute  Unauthorized Student Loan Reporting and Violation of\nFERPA & The Privacy Act\nDear TRANSUNION, EQUIFAX, TRANSUNION\nI am writing to dispute the accuracy and legitimacy of a student loans account currently\nlisted on my credit report. Upon review, I believe this account was established and/or\nreported without my full knowledge or authorization, and appears to have been the\nresult of an unauthorized disclosure or use of my educational records, which\nconstitutes a violation of:\n The Family Educational Rights and Privacy Act (FERPA)\n The Privacy Act of 1974\n Disputed Account Details\n ALL US DEPARTMENT OF EDUCATION LOANS\n Reason for Dispute:\nI never knowingly or legally authorized this loan, nor did I provide informed\nconsent for the disclosure or use of my personal or educational records in the\ncreation or servicing of this account. Under FERPA, any educational record\ndisclosure without proper written consent is prohibited. Similarly, under the\nPrivacy Act of 1974, no agency or affiliated party is permitted to disclose or use\nmy personal information without proper authorization.\n Legal Grounds for Dispute\n FERPA (20 U.S.C.  1232g): Prohibits disclosure of education records without\nprior written consent of the student.\n The Privacy Act of 1974 (5 U.S.C.  552a): Requires that personal data\ncollected by federal agencies be kept confidential and only disclosed with proper\nauthorization.\n FCRA (15 U.S.C.  1681i): Grants the right to dispute inaccurate or unverifiable\ninformation on credit reports.\n FCRA  605(a): Limits the reporting of adverse items after 7 years unless\nexceptions apply.\nI formally request that this account be immediately investigated and removed from\nmy credit file if it cannot be verified with fully documented, lawfully obtained\nauthorization records. Please provide:\nXXXX. Verification of the account and loan origin documentation\nXXXX. Proof of consent for the disclosure of my educational records\nXXXX The source of the data and the legal authority under which it was obtained\nand reported\nIf this account cannot be verified under FCRA guidelines within XXXX days, it must be\ndeleted from my credit report.\nPlease send a written response with the outcome of your investigation to the address\nlisted above.\nSincerely,\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 2025-08-17 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: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX, VA XXXXnDate of Birth: XXXX\nSSN: XXXX\nTo:\n[XXXX XXXX XXXX, TX XXXX\n[Equifax]\nP.O. Box 740256\nAtlanta, GA 30374\n[TransUnion]\nP.O. Box 2000\nChester, PA 19016\nRE: Formal Dispute  Unauthorized Student Loan Reporting and Violation of\nFERPA & The Privacy Act\nDear TRANSUNION, EQUIFAX, TRANSUNION\nI am writing to dispute the accuracy and legitimacy of a student loans account currently\nlisted on my credit report. Upon review, I believe this account was established and/or\nreported without my full knowledge or authorization, and appears to have been the\nresult of an unauthorized disclosure or use of my educational records, which\nconstitutes a violation of:\n The Family Educational Rights and Privacy Act (FERPA)\n The Privacy Act of 1974\n Disputed Account Details\n ALL US DEPARTMENT OF EDUCATION LOANS\n Reason for Dispute:\nI never knowingly or legally authorized this loan, nor did I provide informed\nconsent for the disclosure or use of my personal or educational records in the\ncreation or servicing of this account. Under FERPA, any educational record\ndisclosure without proper written consent is prohibited. Similarly, under the\nPrivacy Act of 1974, no agency or affiliated party is permitted to disclose or use\nmy personal information without proper authorization.\n Legal Grounds for Dispute\n FERPA (20 U.S.C.  1232g): Prohibits disclosure of education records without\nprior written consent of the student.\n The Privacy Act of 1974 (5 U.S.C.  552a): Requires that personal data\ncollected by federal agencies be kept confidential and only disclosed with proper\nauthorization.\n FCRA (15 U.S.C.  1681i): Grants the right to dispute inaccurate or unverifiable\ninformation on credit reports.\n FCRA  605(a): Limits the reporting of adverse items after 7 years unless\nexceptions apply.\nI formally request that this account be immediately investigated and removed from\nmy credit file if it cannot be verified with fully documented, lawfully obtained\nauthorization records. Please provide:\nXXXX. Verification of the account and loan origin documentation\nXXXX. Proof of consent for the disclosure of my educational records\nXXXX The source of the data and the legal authority under which it was obtained\nand reported\nIf this account cannot be verified under FCRA guidelines within XXXX days, it must be\ndeleted from my credit report.\nPlease send a written response with the outcome of your investigation to the address\nlisted above.\nSincerely,\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
My information was leaked during the XXXX XXXX data breach. I would like all of the negative items that are listed from my credit report immediately. 
XXXXXXXX XXXX XXXX : Opened XXXX XXXX XXXXXXXX XXXX XXXX : Opened XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX ( Bank ) : XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX  XXXX Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX   ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX  ( Auto ) XXXX XXXX  ( Auto ) 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 2025-08-17 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: AZ

Complaint narrative:
On XX/XX/year>, I received my Equifax credit report and found multiple accounts that remain inaccurate, unverifiable, or inconsistent despite my prior disputes. Under 15 U.S.C. 1681e ( b ), Equifax must ensure maximum possible accuracy, and under 15 U.S.C. 1681i ( a ), they must reasonably reinvestigate disputed items. 

I have repeatedly disputed the following accounts, but Equifax has either failed to perform a reasonable investigation or failed to provide proof from the furnishers : XXXX  Installment Deleted from XXXX  but Equifax has failed to remove it. 

XXXX XXXX XXXX  Reported as charged off with a balance due. I requested proof of charge-off or correction to {$0.00}, but no proof has been provided. 

XXXX XXXX  Reported with missed/late payments. I requested payment history records ; no proof was provided. 

XXXX XXXX XXXX XXXX Reported as charged off. I requested proof of charge-off or correction ; no proof was provided. 

XXXX XXXX Reported with missed/late payments. I requested proof of payment history ; none was provided. 

XXXX XXXX XXXX Reported with missed/late payments. I requested payment records ; no proof was provided. 

XXXX XXXX XXXX XXXX Reported as charged off with a large balance due. I requested proof of charge-off or correction ; no validation was provided. 

XXXX XXXX XXXX  XXXX Reported with missed/late payments. I requested records of payment history ; none were provided. 

XXXX XXXX XXXX Reported with 12 late payments, while XXXX  only reports 10. Equifax has not corrected the discrepancy. 

XXXX Reported with missed/late payments despite a {$0.00} balance. I requested proof ; none was provided. 

Collection accounts in dispute ( no validation received ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Project ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Credit Adjusters ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) In each case, I requested proof from the original creditor that these collectors own the debt and have the legal right to collect. Equifax has not provided validation, which does not meet the standard of a reasonable reinvestigation. 

Despite multiple disputes, Equifax continues to report inaccurate and unverifiable information, while other credit bureaus have corrected or deleted some of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
I am filing a complaint against multiple accounts, XXXX XXXX XXXX XXXX, credit collection XXXX for failing to remove or block a fraudulent account that resulted from identity theft, as required under 15 U.S. Code 1681c-2. 

I have notified this companies that the account reporting to the credit bureaus is not mine and is the result of identity theft. I also submitted supporting documents, including an identity theft report and proof of identity, but they have failed to block the information from being reported to the credit bureaus. 

This violates my rights under the Fair Credit Reporting Act. I am requesting the CFPB to investigate and require XXXX XXXXXXXX XXXX  to comply with federal law by permanently blocking this fraudulent account from being reported.

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 2025-08-17 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both. 
Collections : Name Corrections ( XXXX XXXX  XXXX XXXX XXXX  act # XXXX XXXX act # XXXX XXXX XXXX XXXX act # XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts.

2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3.

Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts.

- A detailed explanation of the methods used to verify the accuracy of each account.

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I am disputing the validity of the debt reported/attempted to be collected under account number XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this debt. 

Specifically, I am requesting the following information : The name and address of the original creditor. 

The exact amount of the alleged debt, with an itemized breakdown of principal, interest, fees, and other charges. 

A copy of the original agreement, contract, or documentation bearing my signature that establishes the debt. 

Proof that your company has the legal right to collect this debt, including documentation of ownership or assignment. 

Evidence of your authorization/licensing to collect debts in my state. 

Until this validation is provided, I request that all collection activity cease, including reporting to the credit bureaus. If the account has already been reported, it should be updated to reflect that it is disputed. 

I respectfully ask that this validation be provided to me in writing so I may properly review it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
For XXXX years this XXXX  ACCOUNT HAS BEEN REPORTING NEGATIVELY MONTHLY AND ALTHOUGH IVE DISPUTED EXPERIAN STILL DOES NOT REMOVE AND CONTINUES TO REPORT NEGATIVE EACH MONTH. As of XX/XX/25 a representative XXXX at XXXX  LOOKED into this matter and after verifying my information she was unable to even locate the file that EXPERIAN has reported saying it does not exist. She then instructed me to email XXXX  she respond with her findings for proof and to immediately contact EXPERIAN AND INFORM THEM OF THE NEW INFORMATION! They have for years now been in violation of my rights harming my chances for financial opportunities who knows how many times as a result of this false inaccurate information all the other bureaus investigated and removed immediately. I explained my identity was compromised numerous times and uploaded support documents and yet and still neither XXXX  NOR EXPERIAN REMOVED THE ACCOUNT INFORMATION FROM MY REPORT!

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
b'I HAVE PAID MIDLAND CREDIT AND THIS ACCOUNT FROM WEB BANK WAS PAID IN FULL MONTHS AGO. THIS ACCOUNT HAS A BALANCE STILL INCREASING DAILY.  AND LISTED AS A CURRENT COLLECTION WITH A BALANCE OWING. TRIED TO DISPUTE THROUGH  TRANSUNION, THEY JUST VERIFIED IT WAS STILL THERE SHOWING ACTIVE ACCOUNT IN COLLECTION. STILL OWED.\nWOULD YOU BE SO KIND TO ENFORCE THE REMOVAL OF THE ACCOUNT FROM COLLECTIONS ON MY BEHALF. \nTHIS WAS SUPPOSED TO BE DONE AFTER XXXX  DAYS IT HAS BEEN MONTHS.\nELIZABETH SAUP\XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
This is another complaint about XXXX FNBO. I finally received a copy of the agreement in the mail, and I have never seen this document before. My signature is just a typed signature that anyone could have done. I have attached this document!

I believe that the fact that I was never given a copy of any document and had no contact information was ever provided to me so I could get in touch with XXXX FNBO suggests that this was a scam and fraud.

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 2025-08-17 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:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite my certified-mail disputes, Experian continues XXXX report inaccurate and contradictory information and failed to conduct a lawful reinvestigation under XXXX ( a ). Instead, Experian relied on automated XXXX responses without obtaining original source documentation. 

Account-Level Inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Inconsistent status dates, contradictory XXXX late entries, limit vs balance inconsistencies. 

FCRA Violations : XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX Issues : Reports both XXXX  and XXXX  in same months, charge-off reporting extended beyond XXXX, incorrect limit. 

FCRA Violations : XXXX ( b ), XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Invalid date order ( status dates before XXXX  ), balances exceeding limits, conflicting statuses, misapplied charge-off codes. 

FCRA Violations : XXXX ( b ), XXXX ( a ). 

XXXX XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Payment history shows XXXX  and XXXX  in same month, incorrect high credit, inaccurate balance post-charge-off. 

FCRA Violations : XXXX ( b ), XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX Violations : XXXX, XXXX, XXXX, XXXX, XXXX Issues : Invalid date order ( status dates before XXXX  ), balances exceeding limits, conflicting statuses, misapplied charge-off codes. 

FCRA Violations : XXXX ( b ), XXXX ( a ).

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 2025-08-17 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: TX

Complaint narrative:
The XXXX XXXX XXXX has an account on my report from XX/XX/year> in the amount of {$370.00}. 

I have never had an account with this company.This is an incorrect reporting on their part. 
They have requested proof that i've never had this account.And i'm not sure how to prove a negative. 
This is not my account.They will not take it off and it has affected my credit score.So.

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