vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number 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
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Klarna AB
State: CA

Complaint narrative:
I financed a motorcycle purchase through Klarna in XX/XX/year> from XXXX XXXX. The motorcycle arrived non-functional and has never operated. I worked with the seller on troubleshooting and they agreed to accept the return and cover shipping. I followed their return requirements, including providing a XXXX video and mileage photographs. 

After I filed a BBB complaint and posted a truthful XXXX review describing my experience, XXXX  stated by phone that they would not complete the previously agreed return unless I removed the review and complaint. This is retaliation and a violation of the XXXX XXXX XXXX XXXX ( 15 U.S.C. 45b ). 

I have repeatedly requested that the return be completed, and the seller is now refusing to perform unless I take down public feedback. I am asserting my rights under the FTC Holder Rule, which states that Klarna, as the holder of the credit contract, is subject to all claims and defenses I have against the seller. 

I am requesting that Klarna : XXXX. Suspend collection activity XXXX. Place the account in dispute XXXX. Assist in resolving the return or cancel the loan Documentation is available, including communication logs, return agreement, proof of non-operation, and proof of retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX  and Experian are governed by USC XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-07 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows you to have collections removed from your credit report if they are inaccurate, outdated, or unverified. The information on this report is unverified as the actual debtor has removed this account. There have been multiple attempts to provider proper investigation which has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute with Capital One regarding a {$300.00}. XXXX XXXX transaction used to purchase a XXXX from an online seller who never delivered the item. Capital One denied my claim, stating the transaction was authorized, but I was a victim of fraud. I authorized the payment under false pretenses - I was scammed - and I believe Capital One failed to consider this as a case of fraudulent misrepresentation. I gave Capital One all of the information I have for the person that scammed me. The fake tracking number that was provided to me, and Capital One still denied my claim. I have already reported the scam to XXXX and the FTC, and I'm requesting that Capital One reevaluate my case or provide documentation showing how their investigation determined this was not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I opened a 6 months CD with HSBC XXXX on XX/XX/year> and when the CD matured, HSBC refused to give back my principle and interests. HSBC sent me a letter explaining that I shall get my money back to savings account on XX/XX/year>. However, it's pastdue and no actions have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OK

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I previously filed a complaint ( CFPB Complaint ID : XXXX ) regarding Capital Ones unfair closure of my checking account shortly after opening. I have now received their written response dated XX/XX/year>. 
In their reply, Capital One claimed that research confirms that contact information used to open the account couldnt be verified, which led to account restriction and permanent termination. However, this explanation is vague, inaccurate, and unsupported by evidence.

All contact information I providedincluding my legal name, physical address, phone number, and emailare verifiable and valid.

I successfully verified my identity through Capital Ones online system when opening the account.

I never made any deposits, withdrawals, or suspicious transactions that could be considered risky.

Capital One has refused to provide any proof or details about what part of my information could not be verified.

I believe this closure was arbitrary and discriminatory. They permanently banned me without any factual reason or opportunity to clarify or verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit report. 
I requested validation of the alleged debt under FDCPA 15 U.S.C. 1692g. 
I have not received the required documentation showing : A copy of the original signed agreement or contract, An itemized accounting of the balance, Proof of legal assignment/ownership of the debt. 

I am not refusing to resolve the matter. I am simply requesting validation before payment or acknowledgement, as allowed by law. 

I am requesting that collection activity and credit reporting be paused until proper documentation is provided. 
If XXXX can not validate, I am requesting that the account be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I was a victim of identified and someone use my identifying information to establish accounts in my name that I did not authorize and was not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I got a new XXXX XXXX card. I tried to set up auto pay so that I wouldnt have to go in manually pay the card as I have two other cards with comenity bank, and Ive never been late on any of them. I also didnt want to have to remember to make a payment while Im on XXXX  leave. When I logged in to set up auto pay, it told me I couldnt set up auto pay until XX/XX/XXXX which was XXXX days after my first due date of XX/XX/XXXX. On the day of the first payment, I went in and made a manual payment. It ended up not processing until XXXX because it was paid after XXXX XXXX  XXXX. I reached out to them and asked them if there was going to be a late fee because it didnt process until XX/XX/XXXX. They said they dont see a late fee currently but if there is one later to reach back out to them and they can credit it. I did reach out and asked if it could be credited due to never being late before and the fact that I couldnt set up my auto pay until XX/XX/XXXX. The last person to respond with the initials XXXX XXXX responded and said that they would only give me a {$15.00} credit and if Im late again theyre going to take that credit back. I reminded them, that I was not several days late. I processed the payment on XX/XX/XXXX but because it was after XXXX XXXX  my time, it was not posted until XX/XX/XXXX. I also noticed that somebody different was responding to the messages each time and I dont think this person even looked at the previous messages. I called into customer service and the guy on the phone tried to help me, but he said because that person has already processed only a partial credit. There is nothing else he could do. Otherwise he wouldve been able to process a full credit. The only thing he was able to do was process a credit for late charges of three dollars. Because of the person who handled the credit of the late fee, I am no longer going to use this card and Ive already gone ahead and paid off the balance, because of how they treat people in vulnerable situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I had an account with Coinbase. I when I sold all my assets with this company, I was planning on never doing business with them again. When I checked my bank account a week ago, I saw that they were extracting {$29.00} each month - when I noticed, they had extracted that amount on XX/XX/year>, XX/XX/year> & XX/XX/year>. When I contacted them about the error, because I know I did not willingly sign up for anything, they gave me a very scripted reply, saying they will only refund the last month, they can not refund the other months. even though I never used the service and frankly don't even know what it is -which made me realize they were routinely scamming people in this way. If I " signed up for a monthly service '' that I never wanted in the first place, how did I do that by accident? It's clear Coinbase is enrolling people in a monthly service using underhanded tactics. When I called to ask about the XXXX month refund, I was informed that they are not willing to put that money back into the bank account they extracted it from, but they would put it back into the Coinbase account as some XXXX XXXX, which I do not want. I just want my money back for this scam they reeled me into. The " refund '' of crypto would force me to use and pay for their services, might go down in value anyway, and therefore ... how is this not a blatant scam? Coinbase should be thoroughly investigated, as I am certain this is a scam they are regularly perpetrating on innocent customers. I want my full money refunded, into my bank account, and I want this company held accountable to what they've done to me and surely countless others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is reporting inaccurate payments on my account. Saying I have missed payments. Please remove these payments under the law which is 15 U.S. Code 1681a. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am submitting this complaint regarding Regions Bank and the unfair overdraft fees applied to my account. 

Recently, I noticed a charge of {$72.00} in overdraft fees for being {$18.00} overdrawn. Prior to this, I had transferred all my funds from my checking account into my savings account ( which previously had a {$0.00} balance ) because I was concerned my account might have been hacked. 

When I realized the overdraft had occurred, I immediately attempted to transfer money back from my savings to my checking account to cover the balance. However, the transfer was blocked. When I contacted Regions Bank, I was told my account was placed on a soft close. I was never notified that this status had been applied to my account, nor was I given any chance to fix the issue before being charged multiple fees. 

Additionally, I am enrolled in overdraft protection, which should have automatically covered the small overdrawn amount by transferring from my savings account. The fact that the transfer was denied and I was still charged significant fees shows either an error on the banks part or a failure to properly apply the overdraft protection service. 

I am requesting that Regions Bank review this situation and refund the overdraft fees, as this issue could have been avoided had I been notified about the soft closure or if my overdraft protection had worked as intended.

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 2025-11-07 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-07 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : CAINE & WEINER Subject : Cease and Desist Unlicensed Activity and Unlawful Credit Reporting To Whom It May Concern, I am writing to formally notify you that your company is not licensed to operate or conduct collections or lending activity in the State of XXXX, according to the XXXX XXXX XXXX. 

Despite this, your company has placed and/or continues to report an account ( account # XXXX ) under my name to XXXX or more consumer reporting agencies ( credit bureaus ). Such activity constitutes unauthorized and illegal business conduct under [ Your State ] law and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to the extent that you are engaging in any collection, communication, or reporting activities without proper licensing or consent. 
Accordingly, I hereby demand that you immediately cease and desist all collection efforts and communications regarding this account and that you delete any and all tradelines, inquiries, or accounts your company has reported to XXXX, XXXX, and XXXX related to me. 
Failure to comply with this demand within XXXX business days of receipt of this letter will result in me filing a lawsuit against your company. 
Please provide written confirmation once the account has been deleted from all consumer credit reporting agencies. 
This letter is being sent in good faith, but I reserve all rights to pursue legal remedies available to me under federal and state law should your company fail to comply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation