vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: CBC Companies, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent banking-related accounts and negative information appearing in both my personal Innovis, XXXX  XXXX or XXXX XXXX XXXX file and the business file of XXXX XXXX XXXX XXXX XXXX which I, XXXX XXXX XXXX XXXX am the owner. Neither I, XXXX XXXX XXXX, nor my business, XXXX XXXX XXXX, authorized or opened the accounts in question. These fraudulent accounts were created as a result of identity theft and must be deleted immediately. The following financial institutions are being inaccurately reported under my name and/or my business : XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) accounts XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX and Bank Account XXXX XXXX XXXX Account XXXX bank account These entries are false, unauthorized, and damaging. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, Innovis is required to block and delete all identity theft-related information upon receipt of proper documentation. Enclosed with this letter are the following supporting documents : FTC Identity Theft Report ( including affidavit ). Letter from my attorney verifying the identity theft case. Copy of my government-issued ID. Proof of current address. Business documents for XXXX XXXX XXXX ( including EIN/Business ID ). Also please update my address and phone number of file to my current ones. I have attached supporting documents for the address change My address at the time of all this fraud was XXXX XXXX XXXX, XXXX Ca XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX my current phone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balanced {$880.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX Balanced XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXXXXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 EQUIFAX/XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2025-08-28 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: PA

Complaint narrative:
Dear TransUnion LLC, I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The account in question is listed under XXXX XXXX / Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following items are being reported inaccurately : Date Opened TransUnion shows XX/XX/XXXX. 
XXXX  shows XX/XX/XXXX. 
These can not both be correct. 
Payment History Inconsistencies TransUnion shows late payments ( 60 days, XX/XX/XXXX ). 
XXXX  shows multiple 90-day lates for XX/XX/XXXX XX/XX/XXXX. 
These conflicting reports can not both be accurate. 
Creditor Type & Account Description TransUnion lists the creditor as Bank Student Loans. 
XXXX  lists it as Miscellaneous Finance / Student Loan. 
This is inconsistent and misleading. 
Balance/Status Reporting Dates TransUnion reports last verified on XX/XX/XXXX. 
XXXX  reports last activity on XX/XX/XXXX. 
These dates conflict and may indicate outdated or unverifiable data.

Requested Action Under the FCRA, I am requesting that you : Conduct a full investigation of this account. 
Verify all information with XXXX XXXX. 
Remove or correct any information that can not be 100 % verified with accurate documentation. 
Please provide me with a written response and updated credit report reflecting your findings within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN Last 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 2025-08-28 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: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
XXXX disputes against XXXX XXXX for {$130.00}, and XXXX XXXX and {$240.00} I filed the disputes in XXXX and provided information. They denied disputes and didn't provide any information They don't have real customer service and only have automated emails. XXXX purchase protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX  consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation.

The debt in question is Portfolio Recovery XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
In XXXX I entered into an agreement at a XXXX store through XXXX XXXX. While a contract was signed and a phone number was issued, the leased device was never delivered to me, the line was never activated or used, and I never received monthly billing statements. I subsequently chose not to proceed with XXXX and instead obtained service with another XXXX ( XXXX  ), which I paid in full upfront. 

Despite the fact that I never received the phone or used the associated line, XXXX XXXX and its XXXX Vance & Huffman are reporting this account as if the debt is valid. This constitutes an attempt to collect a debt not owed. 

Additionally, the account is being reported with materially false information. Although the original delinquency occurred in XXXX, the collector is reporting the account as opened in XXXX with an estimated removal date of XXXX. This constitutes unlawful re-aging of debt in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( c ). Accounts must age off XXXX years from the original date of delinquency, not from a re-aged or fabricated date. 

I am requesting immediate deletion of this account from all credit bureaus unless the company can provide complete validation of the debt, including but not limited to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Subject : Formal Complaint Against Capital One Deceptive Charge Dispute and Violation of Federal Consumer Protection Laws Dear Sir/Madam, I am filing this complaint against Capital One Bank ( USA ) , N.A., related to their mishandling of a credit card dispute concerning deceptive international charges, in violation of consumer protection laws including the Truth in Lending Act ( TILA ) and Regulation Z ( 12 CFR 1026.13 ).

Despite multiple good-faith attempts on my partincluding a formal dispute dated XX/XX/year> and a final demand letter dated XX/XX/XXXX, XXXX XXXX reversed two fraudulent charges ( {$2900.00} and {$1000.00} ) without complying with required procedures : - I was not provided the merchants response before the reversal.

- I was denied the opportunity to submit a rebuttal.

- Communications were sent to an incorrect email address due to Capital Ones internal system error.

- The dispute was closed despite clear evidence of material misrepresentation and non-delivery of services by the merchant ( XXXX ). 


These actions violate both the letter and intent of TILA and Reg Z, which require proper notice, investigation, merchant communication, and rebuttal opportunity before a final resolution. 



Supporting Evidence Attached : 1. Initial Dispute Letter XX/XX/year> 2. Capital One Reversal & Demand Letter XX/XX/year> 3. Documentation of Misrepresentation and Overcharges by XXXX Requested Action : I respectfully request that your agency investigate Capital Ones handling of this dispute and require them to : - Reinstate the credits during proper reconsideration.

- Provide a final written decision in full compliance with federal law.

- Review internal procedures to prevent systemic denial of fair dispute rights.

I am also prepared to pursue this matter in small claims court if no resolution is reached. 


Sincerely, XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Over a year ago Citibank closed my account and kept over {$75000.00} of my money. I spent over a year trying to get it back. In XXXX they claimed they sent me a check on XX/XX/XXXX and would provide me a tracking number, but I never received the tracking number. I dont believe they sent me anything.

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 2025-08-28 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: NJ

Complaint narrative:
I am submitting this complaint regarding several inaccuracies and incomplete information on my credit report that have caused confusion and negatively impacted my credit profile. 

Inaccurate Name : My correct legal name is XXXX XXXX XXXX, but my credit report currently lists me as XXXX XXXX. This misidentification can result in mismatched or incorrect credit history and must be corrected. 

Late Payment on Closed Account ( XXXX XXXX XXXX ) : My closed account shows a XXXX late payment in XXXX XXXX only on Experian. This inconsistency raises concerns about accuracy and completeness of reporting. 

Missing ChargeOff Accounts ( XXXX  XXXX ) : XXXX chargeoffsone for {$270.00} ( last activity XX/XX/XXXX ) and another for {$100.00} ( last activity XX/XX/XXXX ) do not appear on Equifax or TransUnion, only on Experian. Omitting these reduces transparency and completeness of my credit information. 

XXXX XXXX : An inquiry from XXXX  dated XX/XX/XXXX appears on my report, but I did not authorize or recognize it. 

Legal Standards at Issue ( FCRA ) : The FCRA requires credit reporting to be accurate, fair, and private : FCRA XXXX ( b ) ( XXXX. XXXX ( b ) ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

FCRA XXXX ( XXXX. XXXX ) : Consumers have the right to dispute inaccurate or incomplete information and receive a reinvestigation. 

FCRA XXXX ( XXXX. XXXX ) : Limits how long adverse information XXXX remain on a report, ensuring it reflects only relevant and current data. 

FCRA XXXX ( a ) ( XXXX ) ( XXXX. XXXX ( a ) ( XXXX ) ) : Consumers have the right to access all information in their credit fileincluding accurate personal details like name and address. 

FCRA XXXX ( a ) ( XXXX. XXXX ) : Defines " consumer report '' to include all information used by credit agencies to evaluate a consumer 's creditworthinessunderscoring why details must be complete and accurate. 

FCRA XXXX ( XXXX. XXXX ) : Requires that credit inquiries be authorized and used for a legitimate business purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I am submitting this complaint regarding several inaccuracies and incomplete information on my credit report that have caused confusion and negatively impacted my credit profile. 

Inaccurate Name : My correct legal name is XXXX XXXX XXXX, but my credit report currently lists me as XXXX XXXX. This misidentification can result in mismatched or incorrect credit history and must be corrected. 

Late Payment on Closed Account ( XXXX XXXX XXXX ) : My closed account shows a XXXX late payment in XXXX XXXX only on Experian. This inconsistency raises concerns about accuracy and completeness of reporting. 

Missing ChargeOff Accounts ( XXXX  XXXX ) : XXXX chargeoffsone for {$270.00} ( last activity XX/XX/XXXX ) and another for {$100.00} ( last activity XX/XX/XXXX ) do not appear on Equifax or TransUnion, only on Experian. Omitting these reduces transparency and completeness of my credit information. 

XXXX XXXX : An inquiry from XXXX  dated XX/XX/XXXX appears on my report, but I did not authorize or recognize it. 

Legal Standards at Issue ( FCRA ) : The FCRA requires credit reporting to be accurate, fair, and private : FCRA XXXX ( b ) ( XXXX. XXXX ( b ) ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

FCRA XXXX ( XXXX. XXXX ) : Consumers have the right to dispute inaccurate or incomplete information and receive a reinvestigation. 

FCRA XXXX ( XXXX. XXXX ) : Limits how long adverse information XXXX remain on a report, ensuring it reflects only relevant and current data. 

FCRA XXXX ( a ) ( XXXX ) ( XXXX. XXXX ( a ) ( XXXX ) ) : Consumers have the right to access all information in their credit fileincluding accurate personal details like name and address. 

FCRA XXXX ( a ) ( XXXX. XXXX ) : Defines " consumer report '' to include all information used by credit agencies to evaluate a consumer 's creditworthinessunderscoring why details must be complete and accurate. 

FCRA XXXX ( XXXX. XXXX ) : Requires that credit inquiries be authorized and used for a legitimate business purpose.

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 2025-08-28 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: 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> - Balance {$0.00}

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 2025-08-28 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: PA

Complaint narrative:
Dear TransUnion LLC, I am writing pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to dispute the accuracy of the following account appearing in my credit file : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  After reviewing my credit reports from TransUnion, XXXX, and XXXX, I have found multiple * * inconsistencies and inaccuracies * * regarding this account : - * * Date Opened * * is reported differently across bureaus ( XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX  ). 
- * * Creditor Type/Account Description * * is inconsistent ( reported as Non-traditional card with TransUnion, Personal Loan Companies with XXXX, and Charge Account with XXXX  ) .

- * * High Balance/Credit Limit * * is not reported consistently ( {$24.00} vs. {$750.00} ).

Under * * FCRA 1681e ( b ) * *, credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information reported. These conflicting details prove the account is not being reported accurately.

Additionally, under * * FCRA 1681i ( a ) * *, you are required to conduct a reasonable investigation and verify the accuracy of the information within 30 days. If the furnisher ( XXXX ) can not provide proper documentation ( including the original signed agreement and correct classification of the account ), this account must be * * deleted from my file * *. 
Please provide me with the results of your investigation, along with supporting documentation used to verify this account. If you can not verify with original, complete records, I request immediate deletion. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX SSN Last 4 : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am submitting this XXXX  round formal follow-up complaint regarding inaccurate reporting and improper inquiries appearing on my credit file.The account in question is currently reported as a Profit and Loss Write-Off or Charge-Off. I would like to make it clear that no IRS Form 1099-C has been issued to me regarding this account. Under IRS regulations, when a debt of {$600.00} or more is canceled or forgiven, the creditor is required to issue Form 1099-C to both the consumer and the IRS. The absence of this form confirms that the debt has not been formally canceled, and therefore the current reporting is incomplete, misleading, and inaccurate.

Under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), you are obligated to ensure maximum accuracy in reporting. Continuing to list this account as a charge-off without supporting documentation constitutes noncompliance. 
Unlawful & Unauthorized Inquiries I am also demanding the removal of the following inquiries, which were made without my consent and in violation of FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am submitting this XXXX  round formal follow-up complaint regarding inaccurate reporting and improper inquiries appearing on my credit file.The account in question is currently reported as a Profit and Loss Write-Off or Charge-Off. I would like to make it clear that no IRS Form 1099-C has been issued to me regarding this account. Under IRS regulations, when a debt of {$600.00} or more is canceled or forgiven, the creditor is required to issue Form 1099-C to both the consumer and the IRS. The absence of this form confirms that the debt has not been formally canceled, and therefore the current reporting is incomplete, misleading, and inaccurate.

Under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), you are obligated to ensure maximum accuracy in reporting. Continuing to list this account as a charge-off without supporting documentation constitutes noncompliance. 
Unlawful & Unauthorized Inquiries I am also demanding the removal of the following inquiries, which were made without my consent and in violation of FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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