vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified serious discrepancies and factual errors in the way these accounts are being reported violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. These accounts must be investigated and deleted immediately if you can not verify every detail with complete accuracy. FURTHER MORE I HAVE PREVIOUSLY ASKED FOR PROOF THIS ACCOUNT BELONGS TO ME. I HAVE REQUESTED FOR ORGIINAL DOCUMENTS WITH MY SIGNATURE AND I NEVER RECEIVED THAT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On Friday, XX/XX/year>, I received an email stating that my account will be closed. Shortly after that, I received an email that my account is under investigation. Anywho, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The reason for the account closure is because I made too many chargebacks. Here is the issue. Capital One knows about my XXXX and when I call to verify the charges, because all these chargebacks are from companies I never heard from and is not congruent with the online company 's name, I challenge them. I have memory issues too. Anywho, I have my regular pay going to that account and my XXXX money going to the other. I can't pay rent because they are closing my account. They didn't reach out first to get my explanation. Now I am bleeding out, financially. I have rent to pay and my truck payment and I am in a world of a mess. This isn't fair nor right. My account is still in the process of being closed and they stated I won't get those deposits until the accounts are closed and they will mail a check. I am going to be in a world of hurt and my mental health is in crisis mode right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WI

Complaint narrative:
Disputed Items : Bankruptcies ( Filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) Status : Dismissed These are not valid indicators of insolvency and should be removed pursuant to FCRA XXXX. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Charged-off Disputed as inaccurate and/or fraudulent. 
XXXX XXXX  ( Auto Loan, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Charged-off Disputed as unauthorized. 
XXXX XXXX XXXX ( Multiple Accounts Installment, Revolving, Auto Loan ) Duplicate/conflicting entries Data inconsistency violates FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} Not my account Must be removed under FCRA 1681c-1 ( h ). 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} Not my account Appears due to identity compromise. 
XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Not mine Remove unless verified with legally binding documentation. 
XXXX XXXX XXXX XXXX Account # XXXX * * ) * * Balance : {$800.00} Charged-off Disputed due to inaccuracies. 
XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} Charged-off Inaccurate and disputed. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Charged-off Unverifiable debt. 
XXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Charged-off Disputed under FCRA. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX Balance : {$3200.00} Collection/Charge-off Disputed and not recognized. 
XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} Collection/Charged-off Not recognized, appears fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WI

Complaint narrative:
Disputed Items : Bankruptcies ( Filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) Status : Dismissed These are not valid indicators of insolvency and should be removed pursuant to FCRA XXXX. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Charged-off Disputed as inaccurate and/or fraudulent. 
XXXX XXXX  ( Auto Loan, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Charged-off Disputed as unauthorized. 
XXXX XXXX XXXX ( Multiple Accounts Installment, Revolving, Auto Loan ) Duplicate/conflicting entries Data inconsistency violates FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} Not my account Must be removed under FCRA 1681c-1 ( h ). 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} Not my account Appears due to identity compromise. 
XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Not mine Remove unless verified with legally binding documentation. 
XXXX XXXX XXXX XXXX Account # XXXX * * ) * * Balance : {$800.00} Charged-off Disputed due to inaccuracies. 
XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} Charged-off Inaccurate and disputed. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Charged-off Unverifiable debt. 
XXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Charged-off Disputed under FCRA. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX Balance : {$3200.00} Collection/Charge-off Disputed and not recognized. 
XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} Collection/Charged-off Not recognized, appears fraudulent.

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 2025-07-27 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: AZ

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by Equifax as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: LEXISNEXIS
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XX/XX/2025, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} LVNV Funding LLC {$1400.00} 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} Resurgent {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year>, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital LLC {$2600.00} 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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased meals onboard a XXXX XXXX  using my PenFed Pathfinder Visa for {$23.00}. The recent transaction appears as XXXX XXXX XXXX ONBOARD XXXX, XXXX XXXX XXXX of the cards benefits is {$100.00} annual domestic airline ancillary statement credit. I contacted PenFed customer service on XX/XX/XXXX to inquire about the credit, agent told me they will need a receipt to contact XXXX about the incorrect merchant code for the transaction. I contacted XXXX and told they can not issue a receipt for the onboard purchase I made on XX/XX/XXXX. This is an issue that needs to be resolved between Penfed, XXXX, and XXXX. Its not consumers responsibility for incorrect merchant codes. If Penfed requires receipts for this benefit it should be in their terms and advertised correctly with an asterisk next to this so-called benefit. Its extremely disappointing that PenFed when notified about their error redirects the problem onto their customers and is not honoring the promised benefit.

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 monetary relief
Consumer complaint received 2025-07-27 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:
XXXX XXXX continues to to falsify updates post-charge-off, and consistently updates with illegal re-aging. 

This bank 's fraudulent behavior supports XXXX XXXX XXXX  ongoing deceptive business practices, for which they are currently under multiple investigations associated with XXXX XXXX accounts. This activity shines a light on their recent multi-million dollar settlement for deceptive business practices. 

XXXX XXXX should have provided a 1099C, but claims it hasn't been a year, though it has, violating IRS code 26 U.S.C. 6050P. They continue furnishing Consumer Reporting Agencies ( CRAs ) with inaccurate information, violating FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate info.

CRAs are required to conduct proper investigations as outlined by FCRA 1681s-2 ( b ) failure to investigate after dispute, and FCRA 1681e ( b ) failure to ensure maximum accuracy Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX continues to to falsify updates post-charge-off, and consistently updates with illegal re-aging. 

This bank 's fraudulent behavior supports XXXXXXXX XXXX XXXX ongoing deceptive business practices, for which they are currently under multiple investigations associated with XXXX XXXX accounts. This activity shines a light on their recent multi-million dollar settlement for deceptive business practices. 

XXXX XXXX should have provided a 1099C, but claims it hasn't been a year, though it has, violating IRS code 26 U.S.C. 6050P. They continue furnishing Consumer Reporting Agencies ( CRAs ) with inaccurate information, violating FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate info.

CRAs are required to conduct proper investigations as outlined by FCRA 1681s-2 ( b ) failure to investigate after dispute, and FCRA 1681e ( b ) failure to ensure maximum accuracy Supporting Case Law : XXXX XXXX TransUnion, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
b'Consumer Financial Protection Bureau\nXXXX XXXX XXXX XXXX XXXXSubject: Request for Investigation of Potentially Unlawful Reporting and Collection Practices\n\nDear CFPB Representative,\n\nI am writing to formally file a complaint and request a thorough investigation into multiple accounts being reported on my consumer credit reports that I believe are inaccurate, unverified, or being reported in violation of federal consumer protection laws. These accounts are negatively affecting my credit profile and do not reflect lawful debt collection or reporting practices as outlined in the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692.\n\nUnder the FCRA, credit reporting agencies and furnishers of information are legally obligated to report only accurate and verifiable information. Section 609(a)(1) and Section 611 require full verification upon consumer request. Under the FDCPA, debt collectors are prohibited from reporting debts that are not validated or are being collected through misleading or deceptive practices.\n\nI am requesting that the CFPB investigate the following accounts for possible violations:\n\n List of Disputed AccountsXXXX XXXX XXXXn\nBalance: XXXXDate Opened: XXXXDate Reported: XXXXType: FHA Real Estate Mortgage\n\nReason: No validation or verification of debt provided per 15 U.S.C.  1681g and  1692g.\n\XXXX XXXX XXXX*\n\nBalance: XXXXate Opened: XXXXn\nDate ReportedXXXX XXXX\n\nReason: No notice of collection; unverified reporting in violation of FCRA.\n\XXXX XXXX XXXX Multiple Entries\n\nXXXX XXXX   Opened XXXXXXXX XXXX  Opened XXXX XXXX   Opened 0XXXX XXXX   Opened XXXXnReason: Repeated and multiple listings without validation or consumer communication, potentially violating  1692e for misleading collection practices and  1681s-2 for inaccurate reporting.\n\nXXXX XXXX XXXX XXXX\n\nBalancXXXX XXXXDate Opened: XXXXn\nDate Reported: XXXXnReason: No supporting documentation or validation notice received.\n\nXXXX XXXX XXXX XXXX\n\nBalance: XXXX\nDate Opened: XXXX\n\nDate Reported: XXXXn\nReason: Failure to provide validation per  1692g(b); questionable collection methods.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I am a resident of Wisconsin, and Portfolio Recovery Associates ( PRA ) is reporting one or more collection accounts to my credit reports. PRA is not licensed to collect debts in Wisconsin, in violation of Wis. Stat. 218.04.

Under the Fair Credit Reporting Act ( FCRA ), furnishers must have a permissible purpose to report information to credit bureaus. Reporting debts while unlicensed is unauthorized and unlawful.

PRA recently updated the accounts to closed in XX/XX/year>, but did not remove them, despite being legally unable to collect in Wisconsin. 

I am requesting the complete deletion of these accounts from all credit bureaus, as PRA has no legal authority to report or pursue this debt in my state.

Accounts Involved : PRA Account # XXXX {$900.00} PRA Account # XXXX {$1100.00} ( duplicate of XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
I am a victim of identity theft. My personal identifying information was used without my knowledge or consent to apply for credit and possibly open fraudulent accounts. As a result, inaccurate and unauthorized information appeared on my credit reports with Experian, Equifax, and TransUnion. 

I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted supporting documents including my drivers license, Social Security card, and proof of address. I am attaching or referencing that FTC report here as part of this CFPB complaint. 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block any fraudulent information within 4 business days upon receipt of a valid identity theft report. Despite following the appropriate procedures, one or more of the credit reporting agencies or furnishers have failed to correct or remove the fraudulent information. 

The FTC report includes the specific entriessuch as unauthorized accounts or hard inquiriesthat I am requesting be removed or blocked under the law. These entries are materially damaging and were not authorized by me. I have never done business with many of the companies reflected in the 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 non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I dont agree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address of everyone with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your reinvestigations and corrections.

Your cooperation and prompt attention are greatly appreciated. 
EQUIFAX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief