vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I prepaid for the one-night stay on XX/XX/year>, through Capital One XXXX in the amount of {$230.00} charged to my virtual card ending in XXXX using miles, travel credits, and cash ( see capital one travel receipt ). Upon check-in, the hotel acknowledged my reservation and asked me for an ID and Credit Card for a hold which I provided. Upon checkout on XX/XX/year>, they emailed me a bill ( see XXXX # XXXX and checkout email ). The hotel then charged me again in the amount of {$170.00} ( see statement ) 2 days later on XX/XX/year>. I contacted the hotel to inquire about this charge, and they assured me that they did not charge my card ending in XXXX but rather they charged the XXXX for the travel agency ( Capital One XXXX and emailed me a receipt showing that the charge went to a XXXX ending in XXXX. ( see XXXX  # XXXX and email dated XX/XX/year> ). 

Then I reached out to my bank, Capital One, to dispute this charge and they opened an investigation. During their investigation, they reached out to XXXX XXXX and the XXXX XXXX provided them with a receipt that I do not recognize showing that my card was used for a booking which I did not make since I had a prepaid booking and proceeded to deny my dispute based on this receipt even though I provided them with all of the documentation attached with this email and had prepaid for the room through them ( Capital One XXXX  ) using points on my credit card. I then wrote a letter to dispute their decision and reiterated that they have all the evidence needed to push the merchant to reimburse this charge since I did not authorize it. They replied to my dispute by saying that since they have a receipt they are unable to do so even if they acknowledged my reservation through them. After numerous calls, the bank has not attempted to push back against the merchant by presenting my evidence and categorized this charge as valid even after acknowledging my prepayment to this property through them. ( See attached response letter and dispute update letters )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not consent to its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, my husband deposited {$600.00} cash into the Fifth Third Bank ATM attached to their XXXX, Michigan branch building. Instead of being credited to his personal checking account, the funds were misapplied to his Fifth Third credit card account, which currently has a XXXX balance. As a result, the {$600.00} now sits as a credit on the card and is unavailable for use in our checking account. 

We immediately notified the branch of the error, and staff there acknowledged the mistake and said it would be corrected. Despite this, the funds have not been transferred. I also contacted Fifth Third corporate customer service, but XXXX days later the issue is still unresolved. Someone from the bank did call my husband at work stating they were handling it, but they must not be handling it because they still havent moved the cash into my account. 

Fifth Third representatives have given excuses, including XXXX who falsely claimed we deposited the funds at a XXXX XXXX ATM. We have the receipt from the ATM, which clearly shows the Fifth Third location and branding. 

This was a cash deposit, not a check requiring clearance. There is no reason this issue could not have been resolved within a day or XXXX. The continued withholding of {$600.00} cash for over a week is unacceptable and violates banking standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I have no knowledge of these accounts and believe they are the result of fraud. I am requesting a detailed review and their prompt removal. Supporting evidence is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-08-26 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-26 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: IA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-26 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 a complaint against Equifax regarding inaccurate and unverifiable account reporting on my credit file. Despite my prior disputes, Equifax continues to report several accounts with errors and has not provided an adequate method of verification as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

Disputed Accounts : XXXXXXXX XXXX XXXX Account XXXX XXXX Reported with late payment history XXXX XXXX XXXX Account Ending XXXX Reported with late payment history XXXX XXXX XXXX Account Ending XXXX Reported as Charged-Off Department of Education XXXX XXXX Date Opened : XX/XX/year> Balance : {$2000.00} Reported 90120 days late, yet status reflects 180 days late Department of Education Date Opened : XX/XX/year> Balance : {$3200.00} Reported with late payment history Issues : Equifax has not provided : The name, address, and contact details of the furnishers who verified these accounts. 

A clear description of the method of verification used ( manual investigation vs. automated e-OSCAR system ). 

Copies of supporting documentation from the furnishers that substantiate the reported information. 

Confirmation that the accounts are being reported in full compliance with Metro 2 Format guidelines.

The continued reporting of these items without proper verification is inaccurate, misleading, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Portfolio Recovery Associates XXXX XXXX XXXX. 
To Whom It May Concern, I am formally requesting an investigation into a debt collection matter in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Portfolio Recovery Associates has reported a debt allegedly owed by me, and I am exercising my right to request full validation of this debt. 
Details of the Debt in Question : - Collection Agency : Portfolio Recovery Associates- Original Creditor : XXXX XXXX. 
- Account Number ( partial ) : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2025 - Account Type : Debt Buyer - Current Status : Collection account, {$1100.00} past due as of XX/XX/2025 - Status Updated : XX/XX/2025 I request that Portfolio Recovery Associates provide the following : XXXX. Proof that I am legally obligated to pay this debt, including a copy of the original signed contract or agreement with XXXX XXXX. 
XXXX. A complete payment history and itemized statement showing how the {$1100.00} balance was calculated. 
XXXX. Documentation proving that Portfolio Recovery Associates is authorized to collect on behalf of XXXX XXXX. 
XXXX. Proof of ownership of the alleged debt if it was sold or transferred. 
XXXX. Verification that this debt has not passed the statute of limitations for collection in my state. 
Until the debt is properly validated, I request that : - All collection activity be ceased, including calls, letters, and credit reporting. 
- No negative information be furnished to credit reporting agencies regarding this account. 
I am also requesting that the CFPB investigate this matter to ensure my consumer rights are protected. 
Please confirm receipt of this complaint and provide updates as the investigation proceeds. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am disputing a hard inquiry listed on my credit report that I did not authorize. I have not applied for credit or provided consent to any entity to access my credit information.

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 2025-08-26 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-26 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items appearing on my Experian credit report. These accounts are being reported as charge-offs or collections, and I have no knowledge of any of them. Their presence is harming my credit profile and financial opportunities, and I request immediate action to delete all unverifiable information. 

XXXX # XXXX, opened on XX/XX/XXXX with a high credit of {$5400.00}, is reported as a charge off. I have no knowledge of this account, did not authorize it, and dispute its validity. XXXX XXXX # XXXX, opened on XX/XX/XXXX with a high credit of {$6800.00}, is also reported as a charge off. I do not recognize this account, and the reporting is inaccurate. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, opened on XX/XX/XXXX with a balance of {$710.00}, is reported as a collection. I have no knowledge of this account, and its reporting is misleading and unverifiable. XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX with a balance of {$1300.00}, is reported as a charge off. I do not recognize this account, and it should be investigated and deleted if unverifiable. 

Additionally, my credit report incorrectly lists XXXX XXXX XXXX, XXXX, NY XXXX as my address. I have never lived at this location, and its reporting is inaccurate. 

I request that the Consumer Financial Protection Bureau investigate these matters, ensure the accuracy of reporting, and take immediate action to delete any information that can not be verified. The continued reporting of inaccurate and unverifiable accounts violates the Fair Credit Reporting Act and is causing measurable damage to my credit reputation and financial standing.

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 2025-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry that has been incorrectly recorded on my credit report. Since I did not authorize this action, it represents an inaccuracy that must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I found a hard inquiry that is not associated with any action I have taken. I have not applied for credit recently, nor have I authorized any third party to access my credit file.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHARLES SCHWAB CORPORATION, THE
State: MS

Complaint narrative:
Someone stole my identy a few years ago and I filed a report. I had have account with Charles Schwab bank whoever stole my identy somehow owes a debt to them that was discharged. From what i have seen the account was closed and discharged. I still had investor accounts where I owned stock I was told that the account was restricted bc of some form they didnt have on file for me I have proof of them telling me this the. I was told I didnt need a form that the restriction would be released and the money would be transferred to my account and through a business decision that they made my account would be closed. However a few days later I get a message that stated my account would remain restricted and I couldnt withdraw my funds even after they told me that i would be able to. Then a couple of days later my money is gone from the stock I sold and I have no idea where they put it until today I received a letter saying they took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collections Agency reached out to me via mail in XXXX regarding a payment owed to them. The agency stated I did not pay for an application fee for apartment complex XXXX XXXX at XXXX XXXX. When I applied to XXXX XXXX at XXXX XXXX in XXXX I paid the application fee and was approved. Upon my review of the property, I decided not to move in and was never told anything about any additional fees until XXXX. XXXX XXXX at XXXX XXXX shows closed permanently and the address XXXX XXXX XXXX, XXXX XXXX, MD XXXX shows as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation