vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
My co-borrower and I financed a water softener system through XXXX. This is a fixed-installment loan with a fixed monthly payment and fixed APR. We were never given a credit card or any revolving credit access for this account. 

XXXX is reporting this account to the credit bureaus as a revolving or charge account with a credit limit, which is incorrect. Because of this misclassification, my revolving utilization appears much higher than it really is, which has lowered my credit score for years and negatively affected my ability to obtain credit on fair terms. 

I have disputed this with the credit bureaus and notified XXXX, but the account is still being reported incorrectly. I am requesting CFPB assistance to require XXXX to report this account accurately.

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 2025-11-20 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: TX

Complaint narrative:
My co-borrower and I financed a water softener system through XXXX. This is a fixed-installment loan with a fixed monthly payment and fixed APR. We were never given a credit card or any revolving credit access for this account. 

XXXX is reporting this account to the credit bureaus as a revolving or charge account with a credit limit, which is incorrect. Because of this misclassification, my revolving utilization appears much higher than it really is, which has lowered my credit score for years and negatively affected my ability to obtain credit on fair terms. 

I have disputed this with the credit bureaus and notified XXXX, but the account is still being reported incorrectly. I am requesting CFPB assistance to require XXXX to report this account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I requested my consumer file from XXXX ( XXXX XXXX XXXX ) on XX/XX/year>. As of today XX/XX/year>, I still have not received my report. Consumer reporting agencies are required under the Fair Credit Reporting Act ( FCRA ) to provide a consumer file within 15 days. XXXX has violated this requirement.

This delay has caused me detriment, as inaccurate information or inquiries on my XXXX file has already resulted in multiple loan denials. I have also noticed that XXXX and XXXX XXXX makes it very difficult for consumers to receive their credit reports because it is not made available online such as the other credit bureaus, which seems to be intentional harm to consumers. I am requesting that the CFPB require XXXX to immediately provide my full consumer file, including all personal data, inquiries, scoring information, and any records they maintain under my name. 

I would also like confirmation that they have corrected any failure of compliance related to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested my consumer file from XXXX ( LexisNexis Risk Solutions ) on XX/XX/2025. As of today XX/XX/2025, I still have not received my report. Consumer reporting agencies are required under the Fair Credit Reporting Act ( FCRA ) to provide a consumer file within 15 days. XXXXLexisNexis has violated this requirement.

This delay has caused me detriment, as inaccurate information or inquiries on my XXXX file has already resulted in multiple loan denials. I have also noticed that XXXX and Lexus Nexus makes it very difficult for consumers to receive their credit reports because it is not made available online such as the other credit bureaus, which seems to be intentional harm to consumers. I am requesting that the CFPB require XXXX/LexisNexis to immediately provide my full consumer file, including all personal data, inquiries, scoring information, and any records they maintain under my name. 

I would also like confirmation that they have corrected any failure of compliance related to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: OR

Complaint narrative:
I started working for a company on XX/XX/year> that just started using First Advantage. First advantage refuses to verify start and end dates for companies I worked for over 5 years ago, and my most recent previous employer. It is putting a hold on this current job opportunity because they can't seem to do their job and verify employment with previous employers despite me providing w2s for all jobs. I was told my background check went through yesterday, only to receive an email today saying they want me to provide these start dates. I thought background checks companies were supposed to find this information with the information I provide. Such as w2s. Names. Employer information. I might as well be getting paid to do their job. If I lose this job because they can't do theirs I will be seeking a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
I am submitting this complaint as a consumer seeking to resolve discrepancies on my credit report. Below are the accounts that are currently in dispute, categorized by type and bureau. Please investigate the following inaccuracies : Charged-Off Accounts : 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 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, Capital One issued a Regulation E provisional credit of {$1700.00} to my account but immediately placed an internal restriction that blocked all access to those funds. For over sixty days, the bank has shown the provisional credit in my available balance, while simultaneously preventing any withdrawals, transfers, or purchases. This is a violation of Regulation E ( 12 CFR 1005.11 ), which requires provisional credit to be made available for use. 

From XX/XX/XXXX through today, I have never had access to the funds. The 10-day provisional credit deadline passed, the 45-day investigation deadline passed, and the extended period passed. Capital One still refuses to release the funds and refuses to lift the unrelated restriction they placed on the account. 

On XX/XX/year>, a Capital One representative admitted on a recorded call that although the provisional credit was posted, the internal restriction prevents access and can not be lifted. They also incorrectly claimed that posting the credit alone satisfies Regulation E, even when no access is allowed. This directly contradicts federal law. 

This unlawful freeze has caused substantial documented hardship. On XX/XX/year>, I had urgent medical appointments for XXXXXXXX XXXX and XXXX XXXX  My urinalyses were abnormal, and my doctor prescribed XXXX and XXXX and referred me to XXXX XXXX XXXX XXXX I can not buy my prescriptions ( {$2.00} and {$1.00} ), can not pay for gas to attend treatment, and can not follow the doctors medical instructions because Capital One is withholding access to my own funds. I also went two full days without food. All medical records and pharmacy confirmations are attached.

Capital Ones actions violate Regulation E, EFTA, UDAAP, the Identity Theft Red Flags Rule, and multiple CFPB guidelines. I am requesting immediate release of the provisional credit, removal of the internal restriction, and a written explanation for why federal timelines and access requirements were ignored. I am also requesting compensation for the documented medical and financial hardship caused by this unlawful freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
My federal student loan was officially discharged by Aidvantage, and I received an approval letter dated XX/XX/year>. My loan account has reflected a {$0.00} balance since at least XXXX, yet the Aidvantage representative claims the discharge was not processed until XX/XX/year>. 

I was told on the phone on XX/XX/year>, that my refund of {$480.00} is still pending and they do not know when it will be issued. I was also told the delay is due to a government shutdown, which is not an acceptable explanation. 

At this point, I am well beyond the 90-day refund window, and the refund should have been issued long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am not aware of any debts owed to Jefferson Capital Systems My personal information was exposed and I also filed a complaint as to Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I overpaid my credit card by {$5300.00} because of an auto-payment error. 
Ive called Capita one customer service multiple times. Every single time they told me please wait 10 business days for the refund. Its been almost a full month now, and I still havent received a single cent back.

Your company is literally holding on to MY {$5300.00} for no reason. This is unacceptable, greedy, and borderline fraudulent. I want my money refunded immediately, plus any interest or compensation for the delay. If this isnt resolved within the next 48 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint against multiple debt collection agencies that are reporting or attempting to collect on alleged debts that I do not recognize, do not owe, and for which no lawful validation has been provided. The actions described below constitute violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and New York State debt collection law ( N.Y. Gen. Bus. Law 601 and 602-a ).

Under FDCPA 805 ( c ), I hereby issue a formal cease and desist demand to all listed companies. I do not consent to any further calls, emails, letters, or contact attempts other than written confirmation that the accounts have been permanently closed and deleted from all credit reporting agencies. 
I also state clearly that I have no knowledge of, nor do I acknowledge, any legal obligation to pay the alleged balances. 

Accounts and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Alleged Balance {$660.00} Date Opened XXXX XXXX  XXXX XXXX Account # XXXX Alleged Balance {$320.00} Midland Credit Management Account # XXXX Alleged Balance {$940.00} Midland Credit Management Account # XXXX Alleged Balance {$610.00} All of these accounts appear as third-party collections on my consumer credit reports. None of these companies have ever provided proper validation or original signed agreements as required under FDCPA 809 ( a ) and 809 ( b ).

Further, each of these debts is time-barred under New Yorks three-year statute of limitations for consumer debt ( N.Y. C.P.L.R. 214 ( 2 ) ), meaning these collectors have no legal standing to enforce or continue reporting these alleged debts beyond that period.

Violations Observed Continued collection efforts without verifiable proof of the alleged debt, violating FDCPA 809 ( b ).

Failure to mark accounts as disputed with credit reporting agencies, violating FCRA 623 ( a ) ( 3 ).

Re-reporting or re-aging accounts beyond the permissible timeframe, violating FCRA 605 ( a ).

Attempting to collect time-barred debts in New York , contrary to state law and CFPB guidance ( Reg F, 12 C.F.R. 1006.26 ).

Causing consumer harm through false or misleading credit reporting and improper communications, violating FDCPA 807 ( 2 ) ( A ) and 808.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX is reporting a collection account on my credit file without providing validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX is reporting an alleged debt from XXXX XXXX in the amount of {$230.00} ( original amount {$190.00} ), account ending in * XXXX. The collector lists the date of first delinquency as XX/XX/XXXX and shows the account as assigned on XX/XX/XXXX. They updated the account on XX/XX/XXXX. 
On XX/XX/XXXX, I mailed XXXX XXXX XXXX XXXX a formal debt validation request under FDCPA XXXX. I have proof that the letter was delivered. I have not received any documentation validating the debt. 
Despite this, XXXX XXXX XXXX XXXX continued to report and update the account on my credit report on XX/XX/XXXX. Under federal law, a debt collector must stop all collection activity, including credit reporting, until they provide proper validation. 
Because they failed to validate the debt and continued reporting, the information they are supplying is inaccurate and unlawful. 

I am submitting this complaint because a debt buyer is reporting a collection account on my credit file without providing any validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
The collector is reporting an alleged debt with the following details : Account ending in * XXXX Balance : {$650.00} Date opened : XX/XX/XXXX Date of first delinquency : XX/XX/XXXX Last activity update : XX/XX/XXXX Type : Debt Buyer Account, reported as a collection On XX/XX/XXXX, I mailed the debt buyer a formal validation request under FDCPA XXXX. The letter was delivered, and I have proof of delivery. Despite this, they did not provide any validation or documentation proving the debt is mine, proving the balance, or showing legal ownership of the account. 
Even though they failed to validate the debt, the collector continued reporting and updating the account on my credit report, including the most recent update on XX/XX/XXXX. Under federal law, a debt collector must stop all collection activity, including credit reporting, until the debt is properly validated. 
Because they did not validate the debt but continued reporting it, the account is being furnished inaccurately and unlawfully.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Usaa closed my account of 14 years on XX/XX/year> due to missing KYC information. No attempt to inform me of the missing information was attempted by the institution apart from a document in the secure document portal even though they have phone numbers, address and email address on file.

The mobile app popped up twice asking if I'd like to verify my information, which customer service verified was the information that needed verified for KYC. However this pop-up had a simple remind me later button with no indication of the severity nor potential closing of account due to failure to verify information. All information on file was correct, complete and accurate.

Usaa then sent a check for the remaining balance, which I deposited into a new usaa fsb account which was immediately placed on a hold. Usaa refused to release these funds any earlier than the date of XX/XX/XXXX. This has imposed an undue hardship as it has tied up all of my funds, and I am now unable to eat, pay my electric bill ( which is days from disconnection ), as well as meet obligations on my auto loan reinstatement that will lead to a repossession of the vehicle before the time this check clears there institution. 

I explained the fact that I am already in financial hardship as I seek to claim unpaid wages from the bankruptcy estate of sweet and savory as well as loss of my father and step father this year. And that this poor business practice was likely to lead to a position that I will not be able to financially recover from. Usaa refused to let me speak to anyone above there " member resolutions team '' regarding these matters and only recommended applying for a personal loan through there institution.

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 2025-11-20 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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