vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
In XXXX, my son got a paper check for XXXX XXXX XXXX with his name on it. I went to FNB and was told I * had * to open a rep payee account to cash/deposit the check. I did this, adding my cash to the balance to open the account. No more child support went into the account after the initial check. 
For 10 years, this was my checking account for all bills and pay deposits. I have been into the branch on XXXX XXXX XXXX ( and others ) to pick up debit cards, make deposits, withdrawals and spoke with countless agents about taking my son 's name off the account. I was given many different things to sign and told repeatedly that the account was in my name only. 
In summer of XXXX, XXXX noted unauthorized transactions on my account and went to the branch to get a new debit card. I was told the account had to be frozen because there was no owner since my son died. I was told my bills would continue to be paid during the investigation. After seeing my car insurance was not paid, credit cards not paid and multiple return check fees due to FNB not allowing my auto payments to go through.

I still have no access to my entire life savings. I can't pay my bills. I can't get any of my money to buy gas, groceries or medicine. I have been given the run around to the point the frustration and stress caused hypertensive emergencies when my vision and cognition were impacted. Every time I call/ go into the bank, I am given a different answer on what/when, /how I can get my money out of this bank and into another.

My bills are still unpaid, except for a few I was able to pay from a tiny savings account with a credit union My credit score continues to decline. First National Bank on XXXX XXXX XXXX continues to deny any wrong doing and refuses to release my money.

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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. XXXX account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed an item with Experian ( XXXX XXXX XXXX XXXX XXXX, partial account XXXX XXXX, balance {$10000.00} ). On XX/XX/year>, Experian responded that the account was verified and updated. However, Experian failed to provide : The method of verification, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

The name, address, and telephone number of the furnisher who verified the debt.

Any documentation showing I agreed to or am responsible for this debt.

This is a violation of the FCRA because Experian can not just rely on a data furnishers response without independent investigation. By continuing to report unverifiable and disputed information, Experian is damaging my credit and preventing me from accessing financial opportunities.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  XXXX bankruptcy was filed on XX/XX/XXXX and discharge on XX/XX/XXXX. Case number : XXXX. XXXX credit card ending XXXX by Capital One was part of the discharge debt. Capital one to this day still emails notices about Credit wise and also tried collecting the debt in XX/XX/XXXX when it was informed XXXX the debt was XXXX in the bankruptcy. 

Today, XX/XX/XXXX a collection letter arrived for the same debt from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX XXXX, PA XXXX stating the debt owed as of XX/XX/XXXX is {$7300.00} asking for payment to pay {$5900.00} reduced amount. Reference : XXXX XXXX said letter indicated to go to : XXXX to learn more about my rights under federal law. 

Hence, this complaint is being written to ensure that both Capital One and XXXX cease and desist from collection tactics for an unknown debt XXXX by the bankruptcy court of XXXX California. 

The court and the law office of XXXX XXXX will be copied on this complaint,

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the late payment entry reported under my account. This information is incorrect and does not reflect my actual payment record, as I have consistently submitted payments on or before the due date. The reporting of this false information has negatively impacted my credit history, which I find unacceptable.

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: VA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This correspondence serves as a formal dispute of an unauthorized account that has been reported under my name. I have no involvement with this account, and I never authorized its creation or use. Its presence is completely false and is harming my financial record.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because there are multiple inconsistent and inaccurate reports on my credit file regarding my account with XXXX XXXX. 
According to the credit report, the account number ending in XXXX shows several conflicting entries : One report shows the account was opened on XX/XX/XXXX, with a XXXX late payment and a last payment on XX/XX/XXXX. 
Another report lists the same account as opened on XX/XX/XXXX, but this time it states the last payment was made on XXXX another entry claims the account was opened on XX/XX/XXXX, with a XXXX late payment and the last payment again listed as XXXXThese records can not all be correct. It is impossible for the same account to have multiple, conflicting open dates and different reported last payment dates. This demonstrates clear inaccuracy and poor data reporting practices. Under the Fair Credit Reporting Act ( 1681e ( b ) and 1681i ), credit reporting agencies are required to ensure maximum possible accuracy, and furnishers must report complete and correct information. The inconsistent and contradictory reporting of this XXXX XXXX account has caused damage to my credit profile and does not reflect my true payment history.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because there are multiple inconsistent and inaccurate reports on my credit file regarding my account with XXXX XXXX. 
According to the credit report, the account number ending in XXXX shows several conflicting entries : One report shows the account was opened on XX/XX/XXXX, with a XXXX late payment and a last payment on XX/XX/XXXX. 
Another report lists the same account as opened on XX/XX/XXXX, but this time it states the last payment was made on XXXX another entry claims the account was opened on XX/XX/XXXX, with a XXXX late payment and the last payment again listed as XXXXThese records can not all be correct. It is impossible for the same account to have multiple, conflicting open dates and different reported last payment dates. This demonstrates clear inaccuracy and poor data reporting practices. Under the Fair Credit Reporting Act ( 1681e ( b ) and 1681i ), credit reporting agencies are required to ensure maximum possible accuracy, and furnishers must report complete and correct information. The inconsistent and contradictory reporting of this XXXX XXXX account has caused damage to my credit profile and does not reflect my true payment history.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted disputes to Equifax pertaining to some accounts that I found on my credit report that were fraudulent ( they did not belong to me ). I had not too long ago found out that I was a part of the Equifax Data Breach and decided to check my credit. Once I identified these accounts I then sent to Equifax the following items : Dispute letter, Identity Theft Report, Police Report, Driver 's License and Proof of ss # etc. requesting that by law these items be removed from my report It has been more than XXXX  days and I have not heard from Equifax. Having this derogatory info on my report is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX  XXXX bankruptcy was filed on XX/XX/XXXX and discharge on XX/XX/XXXX. Case number : XXXX. XXXX credit card ending XXXX by Capital One was part of the discharge debt. Capital one to this day still emails notices about Credit wise and also tried collecting the debt in XX/XX/XXXX when it was informed XXXX the debt was XXXX in the bankruptcy. 

Today, XX/XX/XXXX a collection letter arrived for the same debt from AllianceOne XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, PA XXXX stating the debt owed as of XX/XX/XXXX is {$7300.00} asking for payment to pay {$5900.00} reduced amount. Reference : XXXX XXXX said letter indicated to go to XXXX XXXX to learn more about my rights under federal law. 

Hence, this complaint is being written to ensure that both Capital One and AllianceOne cease and desist from collection tactics for an unknown debt XXXX by the bankruptcy court of XXXX California. 

The court and the law office of XXXX XXXX will be copied on this complaint,

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: NC

Complaint narrative:
I am a victim of identity theft and request, under Section 605B of the Fair Credit Reporting Act ( FCRA ), that all fraudulent accounts and inquiries be removed from my credit file, with written confirmation once completed.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you regarding a serious error on my credit report : an unauthorized and fraudulent account has been listed under my name. I have never opened or approved this account, and its presence is entirely inaccurate. This error is damaging my credit profile and creating undue hardship.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
It was wen I with chase bank using my XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing an account listed on my credit report that I did not authorize or open. This account is fraudulent, and its reporting is entirely inaccurate. Its presence is negatively impacting my creditworthiness and causing unnecessary stress and financial inconvenience.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I respectfully sent a certified letter on XX/XX/XXXX requesting that my personal information be updated, including the correction of several inaccuracies. However, my request was ignored, as I never received any response, letter, or notification from the company. I am requesting that these issues be addressed to ensure my credit file is accurate and up to date.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following accounts and inquiries being reported on my Equifax credit file. As a victim of the Equifax data breach, my personal information was compromised, and I believe these items may be fraudulent or inaccurately reported. 
Accounts Disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and I believe the above accounts and inquiries are fraudulent.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that Equifax reinvestigate these items and delete any unverifiable or inaccurate information.

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: 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: DE

Complaint narrative:
I was not 90 days late on my XXXX XXXX  in XX/XX/XXXX  The accounts were in forbearance and should have not reported late. 

XXXX XXXX ACCOUNT # 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX CO - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Cease and Desist / Debt Dispute Account XXXX ( Caine & Weiner ) Dear Sir/Madam, I am writing regarding the account referenced as Caine & Weiner XXXX XXXX I formally dispute the validity of this debt and request that all collection activities cease immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am requesting : 1. Verification of the debt Please provide documented proof that I am legally obligated to pay this debt.

2. Cease of communication Until the debt is verified, I request that all collection efforts, phone calls, letters, and other communications regarding this account stop immediately.

Any further attempts to collect this debt without proper verification may constitute a violation of federal law. I request written confirmation that you have received this letter and that my dispute and cease-and-desist request have been noted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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 — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Today XX/XX/year> I lost My debit card Then I call the citi bank to Replace my Card. 
One Rep Happily Replace My Card but He doesnt tell me Anything that A few minutes later Im about to face. 

So after he replace it He tells me it will arrived in my Mail Ill get virtual card then he hangs up. Hour Later I try to add my virtual card to my XXXX XXXX But I see in Citi apps I have limited access to the account it says Call XXXX With Error Code XXXX It literally Doesnt give Anything not card service option no virtual card Nothing just my balance and Help section to call The XXXX number. 
At The same Time I got an Email saying that congratulations My new Debit card Is replaced and New debit card is on the way Plus It said I can Add my new card Or access before it arrives by For Digital Wallet Then I called the XXXX number talk to representative explain Her my problem she Said I cant use my account until the physical card activation. Then I told her I the guy who replace my card he said Ill able to use digital wallet with virtual card now you telling me I cant use my account at all until the physical cards arrived Then also I explain her not only that I get an email from Citi that I can use my virtual card to my Apple Pay to use it. 
She specifically said Then I got a wrong information, I told her that means Citi gave me wrong information is that what you saying she XXXX XXXX XXXX is XXXX Number for Our Conversation XXXX So Im Stuck cant pay my bill cant use my funds Cant do anything with my money Until physical card arrived.

Is that What Citi Bank policy?

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