vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
My name is XXXX XXXX I have a Capital One Card and they closed it because I made a payment that was rejected, only for that reason they closed my access to the account, I don't want that to affect my credit since I can't make payments to the Card since they canceled my access to it, I want to avoid that they want to put that account in collection since they are the ones who decided to cancel the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have responded each time he is late. Offered to pay balance if they pick it up. I want a statement showing that I have sent a copy of the divorce in XX/XX/year> when it was granted. Acknowledge that I have done all i can do about the late payments. Even if I can't change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX & XXXX XXXXXXXX XXXX  - Opened XX/XX/XXXX - Balance $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance {$2000.00} XXXX - Opened XX/XX/XXXX - Balance {$19000.00} XXXXXXXX XXXX - Opened XX/XX/XXXX - Balance {$2200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$680.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Balance XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law.

I thank you so much for your immediate attention to this urgent matter. 



XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
I am now requesting AGAIN that you provide proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX XXXXs update the account to XXXX Never late and send me a copy of my updated credit.

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 2025-08-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX FALLS XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under XXXX XXXX XXXX ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  XXXX Breach XXXX Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance $ XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - Balance {$2000.00} XXXX BANK - Opened XX/XX/XXXX - Balance {$19000.00} XXXX & XXXX XXXX XXXX XX/XX/XXXX - Balance {$900.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX - Balance {$2200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$680.00} XXXX XXXX - Opened XX/XX/XXXX - XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this letter XXXX XXXX XXXX. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my XXXX XXXX. 

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

I thank you so much for your immediate attention to this urgent matter. 



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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I Rented a Car from XXXX but Noticed that the Front desk added extra charges like {$200.00} for sum insurance I Never Asked for. So the XXXX is {$510.00} which should've been only {$350.00} .So I Withdrew My funds out the Bank XXXX Left with a XXXX Balance. So I get a Letter saying they Paid XXXX. I didn't Authorize or wasn't Asked if they can help I took it out for a Reason. But Now they have a Negative balance on my Account.. 
Like No they should've Declined when it was insufficient Funds I was gon na take up my part with XXXX Myself. Didn't Ask for BMO to Pay for Anything.. Which is Fraudulent and tryna Slander My Name and Account.

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 2025-08-09 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: Experian Information Solutions Inc.
State: SC

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 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 2025-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
XXXX is reporting inaccurate information and is also in violation stating PLANET HOME LENDING LLC Third-Party Debt Collection Rule XXXX XXXX XXXX XXXX XXXX Once an original creditor sells or transfers a debt to a third party, it becomes subject to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which bars false representation of the legal status of any debt. XXXX continued reporting of such unverifiable and disputed third-party accounts constitutes willful participation in that misrepresentations Not reporting accurate information for this account. 

Representative case law ( examples ) : Courts in the XXXX XXXX and XXXX courts have addressed the adequacy of reinvestigations and whether CRA procedures were reasonable ; for example, recent XXXX XXXX orders and district court decisions show that reinvestigation procedures and arbitration defenses are actively litigated and that CRA conduct is subject to close judicial scrutiny. ( See cases involving XXXX  and FCRA claims, e.g.XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX regarding reinvestigation and accuracy obligations. ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of an agreement made with the creditor 1st Franklin. I entered into a settlement/payment agreement with the original creditor that explicitly included the removal of this account from my credit report upon payment in full. The agreed-upon deletion was to occur in XXXX, yet the account continues to be reported as a paid charge-off. Failure to honor this agreement constitutes misreporting under the Fair Credit Reporting Act ( FCRA ) because the current status and continued presence of this account are not an accurate reflection of the terms agreed upon and fulfilled. This also creates misleading and damaging information on my credit profile. Furthermore, The late payment notations for these periods are inaccurate, violate the CARES Act reporting requirements, and misrepresent my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX FORMAL DISPUTE OF DEBT DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have the legal right to collect on this debt. This includes proof of an assignment of contract from the original creditor to your company.Until you provide this documentation, you are prohibited from any further collection attempts under federal law. 
DEMAND FOR PROOF OF LEGAL ASSIGNMENT Pursuant to 15 U.S.C. 1692g and UCC 9-210, I am XXXX. A Copy of the Original Contract Provide a signed agreement between me and the original creditor that legally binds me to this XXXX. Proof of Assignment or Sale of Debt Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you full authority to XXXX. Full Accounting of the Debt Provide an itemized statement showing the original amount, all payments made, interest accrued, fees added, and the current XXXX. Proof of License Provide proof that your company is licensed to collect debts in my state. 
If you can not produce the above documentation, you must immediately cease all collection activities and request removal of this account from all credit reporting agencies.Any failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am disputing the reporting and collection activity by Profolio Recovery on an alleged debt that is inaccurate, unvalidated, and in violation of multiple federal laws.

At the time this debt was allegedly incurred and reported, I was a documented victim of a protected incident ( see attached victims letter ) and in the process of securing XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge and related protections. This invokes my rights under the Americans with Disabilities Act ( ADA ), Title II 42 U.S.C. 1213112165, and Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ), requiring reasonable accommodation from creditors and debt collectors. 

Profolio Recovery failed to : 1. Provide full and proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

2. Accurately mark the account as disputed with all credit bureaus, as required by 15 U.S.C. 1692e ( 8 ).

3. Suspend or adjust collection efforts in light of my XXXX hardship and protected victim status, violating ADA Title II and Section 504 reasonable accommodation provisions. 


4. Furnish only accurate and complete information to credit bureaus in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ).

The continued reporting of this account without reflecting my disputed status and XXXX hardship is discriminatory and unlawful. 

Attached are : My victims letter XXXX/XXXX  proof Documentation of inaccurate and ongoing reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Via Certified Mail Return Receipt Requested Portfolio Recovery Associates , LLC [ Portfolio Recoverys Address ] Re : Account # [ Insert Account Number ] Formal Dispute and Validation Request To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Your company is reporting an alleged debt of {$510.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX, under the name Portfolio Recovery. My consumer report states Dispute resolved subscriber disagrees. I maintain that this account is inaccurate, incomplete, and unverifiable.

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you provide proper validation of the debt, including but not limited to : 1. A copy of the original signed contract or agreement bearing my signature.

2. A complete payment history showing how the alleged balance was calculated.

3. Documentation proving that Portfolio Recovery Associates is the rightful owner of the debt or has been assigned collection rights.

Furthermore, under 15 U.S.C. 1681i, the credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes information. If you can not provide verifiable documentation within the time allowed by law, you are required to immediately delete this account from all credit reporting agencies. 

Please be advised that failure to comply with these requirements constitutes a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office. 

I expect your full compliance within 30 days of receipt of this letter. All correspondence regarding this matter must be in writing. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
{$19000.00} he gets reported to all XXXX  credit agencies. 
XXXX XXXX XXXX XXXX 
The debt is NOT owed. XXXXXXXX XXXX XXXX and myself went to court and the judge did NOT grant them a money judgement. XXXX XXXX requested {$7600.00} and was denied but they are reporting to the credit agencies I owe {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Subject : Duplicate and inaccurate reporting of United Auto Credit account Detailed description : I am reporting inaccurate and duplicate information in my credit report related to a single debt with United Auto Credit.

Detected errors : 1. Duplication in XXXX  : XXXX  reports two separate accounts with the same creditor ( " United Auto Credit '' ), with very similar amounts and opening and closing dates. 

This creates the appearance that I owe more than I actually do and negatively affects my credit score. 



2. Mixed information in XXXX  : XXXX  shows a single account but includes data that corresponds to the two different XXXX  accounts, combining balances, dates, and payment statuses, which results in a confusing and potentially false history.

3. Inconsistencies in dates and balances : For several months, the reported balance remains identical and shows no changes even when additional charges or account closures are reported.

This violates the requirement of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, that information must be accurate, updated, and verifiable. 



4. Incorrect payment statuses : On certain dates, XXXX  reports the account as Account charged off / Never late, which is contradictory. 

An account can not be charged off and at the same time never late. 


Request : I request that this inaccurate information be investigated and corrected or removed from all credit bureaus. 

Attached evidence : Screenshots from XXXX  and XXXX  showing inconsistencies, with relevant areas highlighted. 

A copy of my drivers license for identity verification.

Company response to consumer: Closed with explanation