vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> CapitalOne opened a dispute and communciated to XXXX, XXXX, and XXXX that the account was in dispute. More than 30 days have passed and XXXX has failed to provide the necessary documentation to myself and XXXX, XXXX, and XXXX. I have contacted XXXX, XXXX, and XXXX to remove this account from their files in additon to credit reporting as more than 30 days have passed with no verification being provided. XXXX, XXXX, and XXXX will not remove this account or stop collection efforts related to this account ending in XXXX. The same is to be said about CapitalOne. Seperatly, multiple efforts were done in the past through XXXX, XXXX, and XXXX to verify the account and they never provided any information to substaniate the claim and when asked to provide tracking numbers for documents sent they stated they have none and can not verify that the documents arrived to my address. XXXX, XXXX, and XXXX continues to say they won't do anything related to this account and it will remain active as they have an open court case in XXXX, MD in which they are trying to pursuse collection further knowing there is an acitve dispute with no proof of debt extending past 30 days. 

My limits for Cash Advances were {$300.00} and I have more than {$7000.00} in cash advances showing on the statement which would have been done between banks and XXXX which would have been processed as a cash advance and not a credit card transaction. My limit for the card overall was {$6100.00} but somehow my account is over {$8000.00} in balance. CapitalOne some how allowed a grossly amount of cash advances to process on my card in addition to allowing my account to far surpass my credit limit which they are not able to provide any verificiation or explanation as to how this could have happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: CA

Complaint narrative:
There is an account that started reporting to my credit that is not mine and part of fraudulent activities and my identity being stolen. I have submitted with my local police department and the federal trade commission and made reports. I provided my FTC identity Theft report to transunion in order to have this account removed. They did not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: WA

Complaint narrative:
Aargon Collection responded to my complaint and closed the compliant through the CFPB without providing any requested information other than someone else 's word that I owe a debt. I have no contract or agreement with them, nor did I ever consent or agree to, accept or understand any terms of any agreement in which they allege I owe them money. 

I never received a bill from XXXX XXXX  " XXXX XXXX ''. I never set up an account or signed a contract with them. 

I do not owe the alleged debt. The court removed me from that property before the dates quoted by Aargon Collection. I did not even set up the account. Where are the contracts and agreements that I requested? A contract does not exist otherwise one would have been provided upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXnSubject: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity\nTheft Victim\n\nDear Equifax Consumer Services,\nI am writing to follow up on my request for the blocking and deletion of fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the Equifax data breach, and unauthorized accounts have been fraudulently\nopened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows: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 XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit\nfile to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested debt validation from the debt never received the info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There is a XXXX XXXXXXXX credit card reporting on my credit report with late payments that I never signed up for. A said representative accepted my money multiple times promising to erase the debt and record away from my records yet this is still reporting on my credit reports as if I initiated this whole ordeal. I have since I filed an FTC identity theft affidavit to report two separate fraudulent accounts appearing on my consumer XXXX credit report, which I do not recognize as reported in which our result of identity, theft and fraud. This fraud account consists of my personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( Private ) this account results in several fraudulent reports for late payments but does not show up in any other area of my consumer credit reports. The second fraud act is a hard inquiry from XXXX XXXXXXXX on XX/XX/XXXX. I demand that the fraudulent items be removed from each of my consumer credit reports and then all collection activity related to items pursuit to my rights within the FCR and FDCP laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There is a XXXX XXXXXXXX credit card reporting on my credit report with late payments that I never signed up for. A said representative accepted my money multiple times promising to erase the debt and record away from my records yet this is still reporting on my credit reports as if I initiated this whole ordeal. I have since I filed an FTC identity theft affidavit to report two separate fraudulent accounts appearing on my consumer XXXX credit report, which I do not recognize as reported in which our result of identity, theft and fraud. This fraud account consists of my personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( Private ) this account results in several fraudulent reports for late payments but does not show up in any other area of my consumer credit reports. The second fraud act is a hard inquiry from XXXX XXXXXXXX on XX/XX/XXXX. I demand that the fraudulent items be removed from each of my consumer credit reports and then all collection activity related to items pursuit to my rights within the FCR and FDCP laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX'My only complete accurate and full legal name first and last name exactly: XXXX XXXX XXXXMy only complete accurate and full desired reported address: XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXMy only complete accurate and full date of birth: Date of Birth: XXXXThe last 4 digits of My Social Security number: SSXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I noticed that my CitiBank account has a Account Blocked notice when I tried to access it through the phone app. I called the customer service hoping that it would be resolved asap as usually it wouldnt take that long to do so with other banks. It turns out that I was wrong and the bank refuses to describe or share with me the reasons why my account is getting blocked. I am panicking right now because I have rent & bills to pay since its close to the end of the month and my paycheck is coming in on XX/XX/XXXX. I begged CitiBank to lift the restrictions and see if theres any way to resolve it quicker maybe by uploading ID, documents or anything whatsoever. They kept telling me that theres nothing that can be done until I have my reference number code which can only be obtained through paper mail. They told me that this was going to take around 5-7 business days which I cant afford since I have bills to pay. Feeling defeated, I looked up on the internet to see if anyone else has experienced this in the past. I ended up feeling worst after reading the horrendous experiences that people have with CitiBank. A lot of people say that it took them around 2 to 4 months for the issue to be resolved and many of them suggested that contacting CFPB is a way better option compared to reaching out to CitiBank. Given that this is not a unique experience, Im reaching out CFPB to investigate this bad practice of suddenly holding peoples income XXXX and not providing immediate resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I have had issues with this bank multiple times, taking forever to deposit money, taking money when I don't have it, and not closing my account after I took off all monthly payments to get rid of this issue. Finally, I was charged again by my bank, then put into negative holding, preventing my account from being deleted. This is the third time i went to close the account and since because i was already refunded credit which i wasnt told today i called and was told i had to pay the XXXX out of pocket when i did my part mulitpe times to close the account yet still left with a bigger issue and now im a college kid starting classes with text books i have to buy just to be paying a textbook or XXXX in this XXXX issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have requested for credit monitoring agencies Equifax and Transunion to both investigate and remove several negative and impactful inquiries as well as accounts that I have either paid an agreed upon settlement for removal of negative information on my credit reports. 
I have launched several disputes with both of the above mentioned bureaus and have even spoke with multiple representatives to request that the following negative information be removed without prejudice due to 1 ) .Fraud and Identity Theft ( parental use of credit accounts in an attempt to gain credit access for vehicles without my said and expressed permission ) as well as 2 ). I have requested complete removal of accounts that I have recently paid for a settlement for removal of negative impactful information from my credit report. 
Despite all of the above efforts as well as submitting letters to the bureaus to request removal of all said and mentioned negative information that is being reported, I have been redirected to either contact each credit company and/or to file a consumer complaint about these issues. 
I am asking the CFPB to step in and investigate the two above mentioned bureaus and per FCRA make these bureaus adhere and remove all said and mentioned negative accounts/inquiries mentioned due to Fraud/identity theft and settled for removal letters which I will attach. 
Equifax : Please remove the following for said and stated reasons : 1 )XXXX XXXX XXXX XXXX XXXX  : Collections account for {$1400.00} was recently settled for removal on XX/XX/XXXXXXXX See attached image for proof. 
Note : Equifax recently updated the balance on this account to {$0.00}, but the fair and equitable resolution would be XXXX XXXX from my credit report. 
2 ). 2 HARD INQUIRIES which were not authorized by me : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Transunion : Please remove the following for said and stated reasons : 1 ). XXXX XXXX XXXX XXXX  : Collections account for {$1400.00} was recently settled for removal on XX/XX/XXXXXXXX See attached image for proof. PLEASE DELETE ACCOUNT! 

XXXX ). XXXX XXXX XXXX : this debt was sold to XXXXXXXX XXXX XXXXl and was recently paid via settlement for deletion on XX/XX/XXXX. SEE ATTACHMENT AS PROOF. PLEASE DELETE ACCOUNT! 

XXXX ). XXXX, XXXX. Payment for full amount of {$310.00} was sent XX/XX/XXXX. SEE ATTACHMENT AS PROOF. PLEASE DELETE ACCOUNT! 

XXXX ). XXXX XXXX XXXX XXXX : This account was recently paid via settlement for deletion on XX/XX/XXXX. SEE ATTACHMENT AS PROOF. PLEASE DELETE ACCOUNT! 

Lastly : 8 HARD INQUIRIES which were not authorized by me : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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