vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank sent me a letter on XX/XX/XXXX saying they received a subpoena for my banking records. They claimed that they were required by law to provide the requested information. They gave all of my banking records to my ex wife. The subpoena was not real, completely handcrafted from downloadable Internet forms, it was not authorized by any court. My privacy has been destroyed.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
You are legally obligated to resolve EFT errors promptly, you can not hold or delay released XXXX funds in a way that causes consumer harm, and your failure to process a finalized refund may constitute an UNFAIR AND ABUSIVE PRACTICE under 12 U.S. Code 5536 and a violation of the Electronic Fund Transfer Act 15 U.S. Code 1693f requiring timely error resolution XXXX XXXX  failed to return my EDD XXXX funds after an authorized refund was issued. 
On XX/XX/XXXX, the hotel processed a refund of {$110.00} back to the original payment method also has released any holds. The hotel confirmed the refund was successfully completed, released, and no longer under their control. They provided receipts and stated repeatedly that the funds had already been transmitted, and no further action could be taken on their end. 
I contacted XXXX XXXX  customer service multiple times, and the representatives instructed me to obtain an email from the hotel before they would release the fundsdespite the hotel proving the refund was already finalized and released. a XXXX XXXX representative stated it would take 31 days before the money would be credited back to my account, and no escalation or immediate release was offered. 
It has now been more than 10 days since the refund was confirmed released, yet the funds remain withheld. My account is now XXXX XXXX, directly impacting my XXXX benefits and ability to pay essential expenses, including my mortgage. These are government-issued XXXX funds, and withholding them after an authorized, released refund has been verified is causing serious financial harm. 
This issue requires immediate resolution and release of the funds, and I am filing this complaint due to failure to process the refund back properly, unlawful holding of XXXX benefits, and refusal to escalate despite proof the funds were already released.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I give permission for any company to access my credit file for the purpose of obtaining new credit. Under the Fair Credit Reporting Act ( FCRA ), any unauthorized inquiry must be removed from my credit report.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital is reporting and trying to collect on alleged accounts # XXXX and # XXXX. I disputed both accounts and sent a timely debt-validation request, but they have not provided any competent proof that the debts are valid or that they have legal standing to report or collect. Despite this, they continued reporting the collections and pursuing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I am unrelated to these accounts ; their removal within 15 days is required by USC 1681g.

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 2025-11-28 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: GA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. 

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I disputed a charge I went to check on the status. They wanted me to verify myself. I clicked it on to verify and realized I left my license in the car. I hit the exit to go out of the app so I could go down and when I hit the X the account was deactivated : it says that an encounter is closed. You still have an option to withdraw your money Weather to a debit card or your bank account. Now I cant link neither one of them. It wont let me theyre saying I have too many linked attempts, I spoke to 12 people numerous amounts of email correspondence has been seven days since I was able to access money. Thats all the money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I found inaccurate information on my XXXX  credit report related to Midland Credit Management. The report shows amount listed as {$370.00}, which does not belong to me. I have no record of opening or authorizing this account, and I have no relationship with the company regarding this debt. 

I am requesting that XXXX  investigate this matter and remove the inaccurate Midland Credit Management account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
I have disputed this account before. Equifax is illegally and knowingly still reporting this XXXX XXXX  account onto my credit report. Please see attached info below as i have all compiled information including. Proof of me being denied credit due to the violations of equifax. Proof of my previous disputes. Signed and notarized affidavits and a new FTC report. More information on this situation. Proof and explanations on how equifax is reporting this account ILLEGALLY! 

See attached below for ALL relevant information on my claim and issue. 
MUST READ " Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I am submitting this dispute for multiple accounts that have been inaccurately reported on my credit report. These accounts are being disputed for incorrect information regarding their charge-off status, inquiries, and late payments. Below are the accounts that require correction, separated by each credit bureau : Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute regarding the following accounts on my credit report. The details of each account in dispute are provided below for each bureau. 

Charge Off Accounts : Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1600.00} Dispute : The above account is reported as charged off. I dispute the accuracy of this information. Please verify the account details and correct any inaccuracies that may exist. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} Dispute : The above account is reported as charged off. I dispute the accuracy of this information. Please verify the account details and correct any inaccuracies that may exist.

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 2025-11-28 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: MA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$4900.00} Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over 147 million individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o. 
Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

My Demands 1. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay.

2. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines.

3. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I recently looked at my credit report and I noticed several accounts reporting inaccurate. I saw XXXX to XXXX accounts reporting Late payments. I know for a fact that all my account are paid on time because I have all of my accounts on auto pay each month the bill is paid on time. The consumer reporting agencies need to update these accounts with complete accuracy. These accounts have never been late, I am attaching a copy of my report to this complaint on these accounts. Could you please investigate these accounts and update them to paid on time immediately. Thank You for your time and prompt action.

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 2025-11-28 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: OH

Complaint narrative:
I recently looked at my credit report and I noticed several accounts reporting inaccurate. I saw XXXX to XXXX accounts reporting Late payments. I know for a fact that all my account are paid on time because I have all of my accounts on auto pay each month the bill is paid on time. The consumer reporting agencies need to update these accounts with complete accuracy. These accounts have never been late, I am attaching a copy of my report to this complaint on these accounts. Could you please investigate these accounts and update them to paid on time immediately. Thank You for your time and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX  has been reporting inaccurate information without my knowledge and authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-11-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted the required XXXX form on time for my Citi XXXX XXXX card. Citi confirmed receipt, yet my card was closed shortly afterward with no explanation. Why was the account closed, and why wasnt my documentation processed? I need an immediate answer.

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 monetary relief
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I applied for a mortgage loan and leaned of the negative items.

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 2025-11-28 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: TN

Complaint narrative:
I applied for a mortgage loan and leaned of the negative items.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Company : Capital One Auto Finance Account Last XXXX : XXXX Bureaus : XXXX XXXX XXXX XXXX XXXX  Description of the Issue Capital One Auto Finance is reporting inaccurate information for an auto loan account ending in XXXX. 

The account shows as Paid, Closed as of XX/XX/XXXX. However, Capital One continues to report multiple delinquencies from XXXX through XX/XX/XXXX without any corresponding balance owed, without payment history data, and without evidence the account was still active during those late months. 

These inconsistencies mean the reporting can not be verified or considered accurate. 

Examples of inconsistencies include : Paid, Closed status but continued late reporting immediately before closure No balance or terms provided while marking the account delinquent No supporting payment history for the period the late reporting appears Status updated after derogatories, suggesting retroactive negative updates This is false and misleading to lenders and damaging to my creditworthiness. 


XXXX XXXX  Legal Violations This conduct violates : FCRA 1681e ( b ) failure to ensure accuracy FCRA 1681i improper reinvestigation FCRA 623 ( a ) furnishing information known or should be known to be inaccurate Unfair Deceptive Acts and Practices ( UDAAP ) When an account is paid and closed, no new adverse data can be added. 


XXXX XXXX Impact on Me These inaccurate derogatory delinquencies are : Lowering my credit score Preventing fair lending decisions Misrepresenting my payment history and responsibility XXXX XXXX Prior Actions Taken I disputed with the credit bureau ( s ), but Capital One verified the inaccurate data without proof, violating FCRA reinvestigation standards. 


XXXX XXXX Requested Resolution I request CFPB action compelling Capital One to : 1 Remove the account entirely from all bureaus OR 2 Correct the reporting to accurately reflect ONLY : Paid, Closed {$0.00} balance No late payments within 90 days prior to closure No derogatory history after closure No unverifiable negative notations Written confirmation and compliance requested. 


XXXX XXXX Certification I declare the information provided is true and correct. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation