vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Re : Capital One Credit Card I wanted to make a large payment off of my balance, and needed to use a different account thats in both mine and my wifes names. Through their app, I created new bank account information for the payment. My payment was never processed and their fraud department just stated that they were denying my payment. They requested proof that the new account was mine, and I sent them my bank statement upon request, and was told that I can never use that credit union account again, and it was completely removed. The payment was denied, I can not ever add that account again, and yet my account remains locked. More importantly, I believe they throttled my payment in an effort to continue to collect substantial interest from me. I spoke with XXXX supervisors and they would not explain why Capital One was doing this. I have demanded that they credit me the interest that accumulated from the day I made the payment, but they refused. Since then, I have paid my balance down to XXXX, yet my account remains locked, and they refuse to credit me the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint and supporting evidence concerning the XXXX XXXX charge-off account ( ending in 6059 ), which has been improperly reinserted on my credit reports by Experian, Equifax, and TransUnion.

This account was previously removed after I submitted a valid FTC Identity Theft Report. However, it has since reappeared without the legally required 5-day written notice or certification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). Additionally, this account exhibits numerous Metro 2 data reporting violations and is tied to a confirmed data breach of my personal information.

The following are the legal grounds supporting permanent deletion : 1. FCRA 605B Identity Theft Protections : - My personal data was compromised in a known breach ( verified via XXXX ). 
- This supports my claim that the XXXX account may be the result of identity misuse or synthetic reporting. 
- Attached is a screenshot showing my breach exposure. 

2. FCRA 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion : - The account was reinserted by Experian and others without written notice. 
- No certification of accuracy from XXXXXXXX XXXX was provided. 

3. Metro 2 Compliance Violations : - Improper monthly CO updates continue post-charge-off, violating Metro 2 suppression rules.

- Missing or invalid Date of First Delinquency ( DOFD ), preventing proper 7-year aging. 
- No consistent Date Closed reported on Equifax. 
- Remarks such as Consumer disputes after resolution are inconsistent with continued derogatory updates. 
- TransUnion shows extensive X ( unknown ) status codes, indicating Metro 2 format issues.

Attachments : - FTC Identity Theft Report ( submitted separately ) - Screenshot of data breach exposure from HaveIBeenPwned.com - Full credit report entries showing reinserted tradeline and violations - Detailed Metro 2 violation summary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FILED A COMPLIANT WITH CFPB EXPERIAN IS IN VIOLATION THIS ACCOUNT WAS IDENTIFIED AS FRAUD CASE # OF THE CFPB XXXX THEY SHOULD HAVE BEEN DELETED BY NOW. I CONTACTING CFPB TO BRING STATUTORY DAMAGES AGANIST AS OF THIS DAY XX/XX/XXXX THIS FRAUD ACCOUNT STILL ARE ON MY REPORT. FCRA REQUIRMENTS IS THEY SHOULD HAVE BEEN REMOVED FROM MY CREDIT REPORT XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  Balance {$260.00} Status Account charged off. {$260.00} written off. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$82.00} Status Account charged off. {$82.00} written off. {$82.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$3200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXXXXXX  Balance {$6900.00} Status Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/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 2025-07-05 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$710.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$530.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a collection notice and submitted a written request for debt validation. I requested proof that the company is the sole legal owner of the debt, a copy of the original agreement or contract, and a detailed breakdown of the amount owed. The company failed to provide sufficient documentation to validate the debt. I do not believe they have adequately proven their right to collect. Despite this, they continue to report or attempt to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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 2025-07-05 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of an auto loans- XXXXXXXX XXXX {$26000.00} collection accounts XXXX  {$2000.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$260.00}, these accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
On XX/XX/year>, submitted a Feedback Case and requested escaltion to the Ombudsman Group. 

FSA closed my case # XXXX on XX/XX/year>. It was not escalated to th

e Ombudsman Group. FSA Ombudsman Group doesn't have live agents. There's a recording that ends the call. FSA agent can not transfer me to the Ombudsman Group.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NV

Complaint narrative:
I keep receiving repeated text messages from a company named Unifin claiming I owe a debt with reference number XXXX. I do not owe this company anything, and I have never done business with them. 

The message came from phone number XXXX ( XXXX ) XXXX on XX/XX/year>, at XXXX AM. It also included a phone number ( XXXX ) and a suspicious link ( XXXX ). 

I believe this is either a case of mistaken identity or outright harassment. I have not agreed to be contacted by this company. I want them to stop texting me immediately and remove my contact information from their system. 

I am reporting this because it feels like harassment, and I want it investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
this debt was paid and still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Bank of America regarding their decision to deny my fraud claim for unauthorized airline purchases totaling {$8200.00}, made on XX/XX/year>, in XXXX XXXX, Texas, using my credit card These charges were not made or authorized by me, and I reported the fraudulent activity immediately after receiving a fraud alert. Despite my prompt notification to their customer service team, Bank of America allowed the transaction to go through, which I believe indicates a serious failure in their fraud protection system. 

Bank of America subsequently denied my fraud claim, citing the merchants submission of proof of purchase. However, this documentation does not demonstrate that I authorized or was involved in the transaction. I have never purchased airline tickets of this magnitude, nor was I in XXXX XXXX at the time of the transaction. 

What is more distressing is that, in addition to holding me responsible for the full amount of this fraudulent charge, Bank of America has continued to apply monthly interest charges and late fees to my account. These additional charges are compounding the financial harm I am experiencing and further penalizing me for a transaction I did not authorize or benefit from. 

I submitted a detailed appeal to Bank of America, requesting a fair re-investigation of the claim. My appeal was denied without any meaningful explanation or evidence to prove that I authorized the purchase. 

I am now being held financially liable for over {$8200.00} plus growing interest and penalties, which I believe is unjust and in violation of consumer protection laws, including the Fair Credit Billing Act ( FCBA ), which protect consumers from unauthorized credit card transactions. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Bank of America honors its responsibility to protect consumers from fraud and stops penalizing me further for a charge I did not authorize.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had identity theft in XXXX, which I made a police report about. After years of getting things rectified, part of that process was constant monitoring of my credit reports. I have not had issues getting into them, with the exception of TransUnion. 

I was at least able to access their system via their credit monitoring service. I am going to assume I maybe forgot my password or something, but I got an alert today ( XX/XX/XXXX ) that someone pulled my report. I have no clue who this company is & only found out because my credit card co. sent me an alert. I have spoke to multiple people at TU because my acct. shows as suspended. They told me because you had identify theft in XXXX, I can NEVER access my online acct. again. That is absurd!!! They have ways to verify identify with supporting documentation, yet I am not even given that choice. All their calls are outsourced to other countries where they don't speak/understand XXXX & are clearly reading from XXXX. 

This is MY credit, MY identify & I have to right to access and monitor my info. I have called, done their chat system, etc. XXXX  and XXXX  have never given me issues, for years, I have had them with Transunion. I am fearful that they have insiders maybe utilizing my info, because why else can they give me NO info. I need this rectified asap. They told me to order a credit report when I want. How is that a way to go about it. I need your help and after dealing with years of fixing my stuff, I can't go through this again. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I try to dispute account on my claim report and Trans Union Equifax and Experian failed to comply with consumer law i have provided a police report and a ftc report showing i am a victim of fraud and they still verify information as accurate i have never open a XXXX XXXX  account i have never been in the XXXX this account was opened without my consent i did not authorize and I would like it to be removed from my credit record immediately Failed to remove result in legal action under consumer law

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX  does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX  does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Good morning, I have received Vanilla Gift Cards in the past, and I can't use them anywhere. 
When I try to use it online, it keeps getting declined. The only luck I've ever had was using it on XXXX and reloading my balance. 
I just received a new one for {$500.00} as a gift, and now it won't even work on XXXX. 
When I call the company, they say my card is active and is fine. 
I'm tired of this. I'm tired of struggling with this card. It shouldn't even be allowed to be sold anywhere. 
How can I get my {$500.00} off this card? Today, XX/XX/year>, I tried to take the {$500.00} off and reload my XXXX balance, it got declined, and then I tried just {$100.00} to see if that worked, and it got declined as well. 
At this point Id rather they just give me a check for the amount. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I was a victim of identity theft and discovered a fraudulent account ( XXXX XXXX XXXX XXXX and XXXX ) on my TransUnion and Experian credit report. 

I submitted an FTC Identity Theft Report, government-issued ID, and proof of address, along with a formal request under FCRA Section 605B to block this fraudulent item. 

TransUnion has refused to remove or block this account within the 4 business days required by law. I am requesting that the CFPB enforce their legal obligation to comply with FCRA Section 605B and immediately remove the fraudulent data from my file. 

This is seriously harming my credit profile and delaying financial progress. I need urgent resolution.

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 2025-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company pulled my credit report without my permission. I have no knowledge of this inquiry. I am a victim of identity theft

Company response to consumer: Closed with explanation