vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
I just recent looked at my Credit Report XX/XX/XXXX. I saw some hard Inquiries that did not have permissible purpose. I also attached Identity Theft Report. 


XX/XX/MC( Bank ) Sep 05 2024 CAPITAL ONE ( Bank ) Mar 16, 2024 This inquiries has no permissible purpose to be on my report. Delete This inquiries due to violation of 15 USC 1681b

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 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am being called on a daily basis regarding a debt that belongs to my husband. I contacted the credit bureau and they will not remove it from my credit report. This has caused me a lower credit score which is resulting in a higher Interest rate. The calls are happening in a daily basis

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 2025-08-31 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: WI

Complaint narrative:
Experian is reporting multiple Capital One accounts that appear to share the same account number but reflect different credit card products and conflicting balances. XXXX entry shows a balance of {$1000.00} on a {$1000.00} credit limit, while another lists {$970.00}. Both lack complete payment history and were last updated in XX/XX/year>. The duplication creates confusion and suggests inaccurate classification or re-aging. I reviewed the report and attempted to verify the accuracy of these entries. No documentation or clarification has been provided by Experian or the creditor. The reporting appears incomplete, outdated, and potentially misleading. This violates multiple provisions of the Fair Credit Reporting Act, including 607 ( b ) ( accuracy ), 611 ( a ) ( reinvestigation ), and 623 ( a ) ( 1 ) ( A ) ( furnishing accurate data ). I am requesting a full reinvestigation, removal of duplicate or unverifiable entries, and correction of any inaccurate balance, status, or account classification. I am requesting that this dispute be escalated for manual review rather than automated processing, given the complexity and duplication involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
around XX/XX/year> i applied for a XXXX credit card from capital one, i was approved and the next day they shut my credit card down while closing another credit card of mine. when i called them they said we shut your account because you didnt use it with customer agreement, i asked what that means and they said i cant give you more information. i was on vacation and they were suppose to send me the card and not only did they not send it they also cancelled my other capital one credit card leaving me stuck on vacation with no money and causing me and my whole family great inconvence with no money to get around. they also lowered my credit score that I've worked so hard on perfecting for no valid reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
Dear Experian/ XXXX XXXXXXXX This is a formal notice regarding your failure to comply with my block and delete request under 15 USC 1681c2 . The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law. 

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Sincerely, 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 2025-08-31 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: NC

Complaint narrative:
I am a victim of identity theft and credit file pollution. Multiple accounts and hard inquiries appear on my reports that I did not authorize, open, or benefit from. These items are fraudulent and continue to harm my credit despite filing a police report ( XXXX XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXX ). This violates the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2 ( b ), and 1681c. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} Collection ( XX/XX/XXXX ) XXXX XXXX ( Deposit-related ) {$370.00}, {$320.00}, {$48.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX ( Secured Card ) {$690.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX  ( Revolving ) {$42.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX  ( Installment ) {$0.00} Closed ; XXXX late ( XXXX ) XXXX XXXX {$0.00} Paid charge-off / settled XXXX full ( XX/XX/XXXX ) XXXX XXXX ( Cards ) {$0.00} Closed ; history of 60d late ( XX/XX/XXXX ) Unauthorized Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-31 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 a victim of identity theft and credit file pollution. Multiple accounts and hard inquiries appear on my reports that I did not authorize, open, or benefit from. These items are fraudulent and continue to harm my credit despite filing a police report ( XXXX XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXX ). This violates the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2 ( b ), and 1681c. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} Collection ( XX/XX/XXXX ) XXXX XXXX ( Deposit-related ) {$370.00}, {$320.00}, {$48.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX ( Secured Card ) {$690.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX  ( Revolving ) {$42.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX  ( Installment ) {$0.00} Closed ; XXXX late ( XXXX ) XXXX XXXX {$0.00} Paid charge-off / settled XXXX full ( XX/XX/XXXX ) XXXX XXXX ( Cards ) {$0.00} Closed ; history of 60d late ( XX/XX/XXXX ) Unauthorized Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent a letter on XX/XX/year> to Jefferson Capital Systems for an alleged debt in the amount of {$790.00} XXXX. I requested the following : 1. Forward Flow Agreements.

2. Name and Address of the Original Creditor 3. Chain of Assignments 4. Account Level Documentation. 
5. Proof Jefferson Capital Systems is legally authorized to collect this debt 6. Complete payment history showing how the amount you claim i owed was calculated. 

My request was in accordance with the FDCPA, 15 USC 1692g. As if XX/XX/year>, I have not received a response. Jefferson Capital has failed to respond within the allotted 30 days, therefore this account must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of certain addresses, phone numbers, and employer information that are inaccurately listed on my credit report. These items do not belong to me and should be immediately removed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and related consumer protection laws.

The following addresses are inaccurately reported and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Address ID # XXXX ) The following phone numbers are also inaccurate and should be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Additionally, the employer information listed as Biolife Plasma Services, XXXX XXXX XXXX XXXX, XXXX is incorrect and should be deleted XXXX 

Under the FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of information concerning the individual about whom the report relates. The continued reporting of this inaccurate information constitutes a violation of federal law. 

Furthermore, under FCRA 611, 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information, and you are required to investigate and delete any unverifiable information within 30 days. Failure to correct and remove this false data could subject the reporting agencies to liability under FCRA 616-617, 15 U.S.C. 1681n and 1681o.

I respectfully demand that these addresses, phone numbers, and employer information be removed from my credit file immediately. Please provide me with written confirmation once these corrections have been completed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, XXXX XXXX Bank performed a hard inquiry on my Experian credit report without my authorization. I contacted XXXX XXXX the same day I was notified and informed them that the inquiry was fraudulent. After verifying my personal information and address, XXXX XXXX confirmed that the application details did not match mine. They opened a ticket and told me they submitted a request to Experian on XX/XX/year>, to remove the fraudulent inquiry. 

As of XX/XX/year>, the hard inquiry is still showing on my Experian credit report, and no corrective action has been taken. This unauthorized inquiry has negatively impacted my XXXX XXXX and remains unresolved despite my timely reporting and full cooperation. I have confirmed that Equifax shows no such inquiry, and I am unable to verify TransUnion at this time.

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 2025-08-31 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: GA

Complaint narrative:
My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I transferred money XXXX weeks ago to a friend of mine unfortunately it went to a close XXXX bank account. XXXX says they immediately return the money to cash app XXXX weeks now cash app tells me a different story every day. They dont want money they dont have any money they do have my money the last thing they told me its under investigation is XXXX weeks now And theyre just refusing to give my money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Dates XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-08-31 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: TN

Complaint narrative:
XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently appearing on my Experian credit report dated XX/XX/XXXX : XXXX. XXXX XXXX Account # XXXX Reported as Collection/ {$2600.00} past due while your own file simultaneously states No collection accounts reported. This is contradictory and unverifiable. 
XXXX. XXXX XXXX XXXX Account # XXXX Reported as XXXX late payment/ {$92.00} past due while a duplicate loan from the same creditor reports Never Late. This is inconsistent and unverifiable. 
XXXX. XXXX XXXX Account # XXXX Closed in XXXX with XXXX late payments reported. These lates are now aged, unverifiable, and potentially obsolete under FCRA 605 ( a ). 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Reported both as Closed at consumers request and Charge-off/ {$76.00} written off. This is contradictory and misleading. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : 607 ( b ) : Failure to assure maximum possible accuracy.

611 ( a ) : Failure to reinvestigate unverifiable information.

605 ( a ) : Reporting of obsolete negative items.

611 ( a ) ( 5 ) : Requirement to delete information that can not be 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
i have had a checking account a savings account and two credit card accounts with capitol one for years. - two weeks ago, I attempted to open a teen account for my daughter using their website. - at the end of the process, the website asked me to review the information BEFORE finalizing the account for my daughter. At that time I noticed that the website had my name and social as the adult acct. and my name with HER social as the child account.- I never finalized that, and called capitol one immediately for them to just open the account over the phone since the website had NO way to edit the incorrect information. 
The website had already switched my social with hers on my bank account!! Why? I never finalized that, it was incorrect. I spent over 4 hours on the phone with rep after rep that could not help. Escalation after escalation, no one can fix what THEIR website messed up.

This issue locked up my bank account and my savings account due to a mismatch social and no one could fix it. I called back the next day because they were supposed to have the higher ups fix it.

I had my mortgage money direct deposited into that account and my mortgage payment auto pulled from that account. i had to stop all of that and close the account. After two days and several hours on the phone no one can fix an account that should not have been messed up in the first place.

This issue was associated solely with my checking and savings accounts. However, they shut down my online access and I am now unable to pay my credit card payment. I called again and again, several hours on the phone and no one can assist. no one will take my credit card payment. 
I am livid at this point, My credit card is due on XXXX and I can not make my payment, so now, I am going to have a late payment because they are refusing to take my payment! 
This is my credit at this point. Your website has snowballed in to affecting every single thing in my life. 
YOUR MISTAKE, YOU FIX IT!!! WHY AM I PAYING THE PRICE AND WHY IS MY CREDIT AFFECTED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: WA

Complaint narrative:
I opened a XXXX XXXX account with KeyBank on XX/XX/year>, bringing new funds from outside the KeyBank. The account carried a XXXX % APR with a six-month lock, maturing on XX/XX/year>. 

For the first XXXX months, the interest payments were correct. However, starting XX/XX/XXXX the interest dropped to less than half, and by XX/XX/XXXX through the end of XXXX, the payments fell even further-amounting to only about one-eighth of the full interest due. 

During the week of XX/XX/XXXX, I visited the local branch where I had opened the market savings account to address the issue. The private client banker who assisted me said that he would escalate the issue, but delays were likely because of the holiday. I told him I understood the circumstances. 

After a month with no response, I revisited the local branch on Saturday, XXXX XXXX same private client banker told me he would update me first thing on Monday, XX/XX/XXXX, with any information- good or bad- but he did not. On XX/XX/XXXX, at XXXX am, he sent me an email below ( please see below email from the same banker ). However, after that single email, there was no follow-up email, no updates, and no information provided at all. 

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Good morning XXXX, XXXX sorry I didnt send this update last night ; I had a last minute meeting that ran very late. Ive contacted the back office and had the issue escalated to the next service level to see about both getting the issue resolved and figuring out what happened. As soon as I have more information I will let you know. Thank you for your time and patience and have a good day. 


Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America credit card blocked my XXXX credit card online banking accounts without my knowledge or providing the reason why accounts are blocked. I am not able to access my accounts either by phone or online, I am not able to pay my accounts, I don't see my balances, transactions, payments.

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