vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Summary : This submission supplements my prior CFPB complaint regarding Experians ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX and XX/XX/XXXX I delivered a formal FCRA 609/ 611/ 605B demand to Experian via certified mail and email. Experian has not acknowledged or initiated any lawful reinvestigation, disclosure, or identity-theft block as required by law. Instead, the company continues to send unsolicited marketing emails to XXXX, an address I never authorized for reporting or dispute communications. Those emails contain false claims of a {$5.00} XXXX credit line and near-XXXX credit scores while my file remains inaccurate and damaging. 

Violations documented : Failure to respond within 611 ( a ) ( 2 ) timelines or provide any method-of-verification. 
Failure to honor XXXX identity-theft block request. 
Unauthorized use and sale of personal email data after notice ( privacy and FCRA 604 misuse ).

Deceptive marketing and continued publication of false credit scores while under dispute.

Relief requested : XXXX. Immediate written confirmation of full-file disclosure and reinvestigation start date. 
XXXX. Removal of unauthorized email from all Experian systems and halt of marketing activity. 
XXXX. Formal acknowledgment that 605B identity-theft block processing has begun. 
XXXX. Referral for enforcement review due to pattern of willful non-compliance already shown in CFPB Cases XXXX and XXXX. 

Attached Evidence ( XX/XX/XXXX XX/XX/XXXX XXXX ) : Experian Final Demand Letter ( XXXX ). 
USPS Certified Mail Receipt showing delivery to XXXX, TX ( Tracking XXXX  XXXX ). 
Email transmission confirmation from XXXX ( XXXX ). 
Screenshots of unauthorized marketing emails ( XXXX Credit Score, {$5.00} XXXX XXXX XXXX XXXX ). 

The companys silence and continued data misuse after direct notice represent a willful pattern of neglect under FCRA 616/ 617. I am requesting regulatory review and civil referral.

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 2025-10-16 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccurate and harmful entries on my credit report. Despite my efforts to resolve these issues directly with the creditors, the inaccuracies persist and continue to negatively impact my creditworthiness. 

The following items are reported incorrectly : Addresses : XXXX XXXX, XXXX XXXX, CA XXXX ( Wrong Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( Wrong Address ) Accounts : XXXX XXXX XXXX XXXX High Balance : {$5100.00} ; Date Opened : XX/XX/XXXX ; Reported as Late Payment ( inaccurate ) XXXX XXXX XXXX XXXX High Balance : {$2600.00} ; Date Opened : XX/XX/XXXX ; Reported as Charge Off ( inaccurate XXXX XXXX XXXX XXXX XXXX  High Balance : {$8400.00} ; Date Opened : XX/XX/XXXX ; Reported as Late Payment ( inaccurate ) XXXX XXXX XXXX High Balance : {$8400.00} ; Date Opened : XX/XX/XXXX ; Reported as Charge Off ( inaccurate ) XXXX XXXX XXXX High Balance : {$29000.00} ; Date Opened : XX/XX/XXXX ; Reported as Late Payment ( inaccurate ) These inaccurate reports are causing undue financial harm and are inconsistent with my actual payment history and account status. I have attempted to resolve these discrepancies with the respective creditors, but no satisfactory correction has been made. 

I request the CFPB to investigate these matters promptly and require the credit reporting agencies and creditors to correct these inaccuracies. I also request written confirmation once these corrections have been made to prevent further damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy. These ongoing errors are causing me significant distress and negatively impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: TX

Complaint narrative:
I am filing this complaint because the company listed above is reporting a collection account on my credit report. I have sent multiple written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and Fair Credit Reporting Act ( FCRA 611 & 623 ). It has now been well over 30 days, and I have not received any documentation, proof of ownership, or verification of the alleged debt.

Continuing to report this information without proper verification violates XXXX XXXX reporting standards, which require accurate and verifiable data, and constitutes noncompliance under FCRA 623 ( a ) ( 1 ) ( A ). 
I am requesting immediate removal of this collection account from all credit bureaus and written confirmation that the debt has been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Im exhausted seeing the same inaccurate accounts stay on my credit reports when they should have been removed. I truly ask that my attached documents be reviewed carefully so I can finally stop living with this ongoing anxiety.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This complaint is a follow-up to a previously closed CFPB case involving an unresolved ATM withdrawal dispute with Pentagon Federal Credit Union ( PenFed ).

I am submitting new and verifiable evidence provided to me by a PenFed employee. The evidence consists of two official ATM processor reports for the disputed date, XX/XX/XXXX. 

Upon review, it is clear that one of the {$400.00} ATM transactions includes a valid Retrieval Reference Number ( XXXX ), while the second report does not show any number the field appears as <Not Set>. This confirms that the second transaction was never completed successfully and that no cash was dispensed. 

Despite this, PenFeds letter dated XX/XX/XXXX, claims both transactions were completed and includes two fabricated reference numbers that do not appear in the original ATM owner documentation. 

I am requesting that the CFPB reopen the investigation and require PenFed to provide certified records directly from the ATM processor ( including cash dispense logs, audit records, and confirmation reports ) for both transactions dated XX/XX/XXXX. 

Attached documents : My updated response letter ( PDF ) Copies of both ATM transaction reports showing the missing reference field PenFeds XX/XX/XXXX letter for reference

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 2025-10-16 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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

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 2025-10-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I opened a Capital One XXXX  XXXX  account in mid XX/XX/year> because I am preparing to study abroad and wanted a XXXX XXXX card. The promotion at the time offered XXXX bonus miles for spending {$4000.00} within the first few months. I decided that the {$390.00} annual fee would be worth it given my upcoming travel plans. 

To meet the spending requirement, I began using my XXXX XXXX card for nearly all my purchases. I spent approximately {$19000.00} in total, including purchasing several new XXXX XXXX for family members, with the goal of earning additional points. Shortly after, I received a little over XXXX miles in my account and used about XXXX miles to book a flight. 

At the end of XXXX, I made a payment of around {$5700.00} toward my balance, after which my account was suddenly restricted. I contacted Capital One and was told I needed to submit documents for fraud verification, which I did. A week later, I was asked to resubmit my ID because the XXXX image was supposedly blurry, even though I submitted the exact same photo and it was accepted the XXXX  time. 

Over the following weeks, I repeatedly called for updates, but each representative I spoke to seemed unaware of the process or unable to connect me to the department handling the review. Then, on XX/XX/XXXX, I called again and was informed that my account had been permanently closed on XX/XX/XXXX, information I was never notified of until I called. 

I was also told that my {$390.00} annual fee would not be refunded, despite my account being open for less than a month. In addition, I received no rewards or credits for the approximately {$19000.00} XXXX spent, most of which I have already paid off. I feel this is extremely unfair and deceptive. I used the card responsibly, met all terms of the promotion, and made payments as required. Instead of being rewarded for using the card as intended, I was penalized without explanation, transparency, or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OR

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 you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
That Midland is attempting to collect a debt which I believe is invalid or disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of identity theft. {$580.00} they provided me with a report summary which is not proof of ownership and the right to collect on the debt. They communicated with me after a cease and desist was requested in the letter. They also failed to provide me with purchase agreement which lets me know who has had ownership of the debt .how they can collect on the debt.if they can sue on the debt. This information was never explained or received my credit was affected for month after being promised it would be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/year> Discover card participated in unfair, deceptive, or abusive acts or practices ( XXXX ) but refusing to let me use my available credit claiming its fraud when I verified the transaction. Today I have been for approximately XXXX hours and all I get is lies or supervisors who act like they have no idea whats going on. The last supervisor name XXXX is number XXXX Claims that she has no idea why this happen but it does not happen multiple people but it happened to me only. I believe this is discrimination or possible personal vendetta against me. She blamed on an imaginary system. They closed my account the next because I called in to complain about the unfair and shady business. XXXX said she just submitted a complaint but dont any knowledge when or what they do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A previously deleted Bank of America auto loan account was reinserted into my XXXX  credit report without proper notice and is now showing altered dates that extend the reporting period a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data-furnishing standards. 

Details of the Complaint : Account : Bank of America Auto Loan Account Number ( partial ) : XXXX Original Date Opened : XX/XX/XXXX Original Balance : {$52000.00} Status : Charged off ( {$38000.00} written off ) Date of First Delinquency ( approx. ) : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Prior Deletion : This account was deleted by XXXX  after a representative confirmed it was scheduled to automatically fall off in XX/XX/XXXX. 
Re-Insertion : As of XX/XX/XXXX, the same account reappeared on my XXXX  file, now showing a new Balance Updated date of XX/XX/XXXX and a new On Record Until date of XX/XX/XXXX. 

This reappearance occurred without the required written notice within five business days, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Additionally, the re-inserted data displays continuous CO ( charge-off ) notations from XXXX through XXXX implying ongoing delinquency which violates FCRA 623 ( a ) ( 5 ) and Metro 2 XXXX XXXX  ( DOFD ) requirements. 
The Date of First Delinquency should determine the seven-year reporting period, not the status update date. 
By altering that date and extending the reporting window, Bank of America and XXXX  have effectively re-aged the debt and are misrepresenting its current status.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
Date Name XXXX Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( XXXX USC XXXX Sec. XXXX ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$6800.00} XXXX XXXX # XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$210.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief