vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is reporting inaccurate and unverifiable information on my consumer credit report. A bankruptcy filing inXXXX, Virginia that never occurred has been verified as accurate, and a mortgage account is reporting severedelinquencies that are factually incorrect.

TransUnion failed to provide any documented Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Continued reporting of false public records and inaccurate payment history violates 15 U.S.C. 1681e ( b ), 1681c, and 1681i.

I am requesting immediate deletion of the false bankruptcy, correction or deletion of inaccurate mortgage delinquency history, and written confirmation of compliance.

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 2025-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a Capital One business account and have been unable to transfer or withdraw my funds for over two weeks. Capital One acknowledged the issue and escalated it but has provided no explanation or timeline. This has restricted access to my own business funds and is causing operational harm. I am requesting immediate release of funds or a documented alternative withdrawal method. 

They said I could wire funds for a fee. Thats unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C.

1681 ), I am requesting a reinvestigation of the following accounts that are reporting inaccurate balances, late payments, and/or incomplete information that does not meet the standard of maximum possible accuracy. 
Disputed Accounts : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$14000.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$10.00}

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 2025-12-25 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: MA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-25 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recov Assoc XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Subject : Formal Debt Validation Request & Dispute Regarding an Account To Whom It May Concern, I am writing in response to your communication dated XXXXXXXX XXXX regarding a debt your company is attempting to collect. I received a validation notice from you on XXXXXXXX XXXX. 

This letter is a formal request for validation of the alleged debt pursuant to my rights under Section 809 of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I dispute this alleged debt in its entirety and request that your office provide me with competent evidence verifying the following : XXXX. The complete name, current address, and contact information of the original creditor to whom the debt was allegedly owed. 
XXXX. Documentation proving that I am legally obligated to pay this specific debt to your company. This should include a copy of the signed original contract or application that established the debt. 
XXXX. A detailed itemization of the current amount, including : The principal balance originally owed. 
An accounting of all interest, with the specific interest rate and how it was applied. 
An itemized list of all fees and charges, with dates and explanations for each. 
A record of all payments and credits applied to the account. 
XXXX. Documentation showing the chain of title, proving your company has the legal right to collect this debt. 
XXXX. The date of the last payment made on this account, if any. 
XXXX. Please confirm whether the statute of limitations for collecting this debt through litigation has expired in my state of residence and provide the legal basis for that determination. 

Please be advised that your claim is disputed. Until you provide the verification and documentation required by the FDCPA, all collection activities must cease. 

Furthermore, until this matter is resolved, I request that you do not report this disputed debt to any credit reporting agency. If you have already reported it, you must mark it as " disputed by consumer ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My solar loan was originated in XXXX  through Service Finance Company , LLC, for a system sold by XXXX XXXX ( now XXXX XXXX ). I was told I would receive a guaranteed federal rebate after filing my taxes, in the approximate range of {$13000.00} {$14000.00}, and that this money would be applied to the loan so the loan structure would not matter. I was not informed that this was actually a non-refundable tax credit dependent on tax liability. I never received these funds. The loan was structured with a reduced payment period assuming this credit would be applied, followed by increased payments. I believe the loan terms and risks were not clearly disclosed.

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Consumer financial protection bureau Po box 27170 Washington DC 2003-27170 Complain against Capital One Bank I am writing to express my concerns regarding Capital One bank. I believe they are supposed to assist their customers in any situation. 
I let them know that a gym where I was enrolled ( XXXX ) was making illegal charges to my Capital One XXXX after I canceled my membership. I sent them proof of everything and asked for a stop payment to XXXX gym ; however, they did not pay attention to my requirements. I had to call several times ; also, they said that the case was closed twice. 
I end up paying bank fees and illegal charges from the gym, and I also receive a letter from a collection agency claiming money. 
Also, my credit score decreased. 
Thanks for your help XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am submitting this complaint regarding deceptive and unfair practices by U.S. Bank related to a credit balance transfer / refinancing offer. 

I applied for a credit product through a balance transfer/refinancing offer that was presented to me as a way to consolidate and refinance an existing credit card debt. Based on the information provided, I reasonably expected that a substantial portion of my existing balance would be transferred. 

However, after approval, U.S. Bank extended only approximately 10 % of the balance I intended to refinance, without clear, upfront disclosure that such a minimal credit limit could be issued. This fundamentally defeated the purpose of the refinancing offer. 

As a direct result : My credit utilization increased significantly My credit score dropped by XXXX points I suffered measurable financial and credit harm I believe this constitutes misleading and deceptive practices, as the material terms of the offer were not clearly disclosed prior to my acceptance, and the product provided was inconsistent with the reasonable consumer expectation created by the banks representations. 

I am requesting : 1. A formal investigation into U.S. Banks balance transfer disclosure practices 2. Correction or mitigation of the credit damage caused 3. A clear explanation as to why such a minimal credit limit was issued under a refinancing offer I am attaching all relevant documentation to support this complaint. 

Thank you for your assistance.

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 2025-12-25 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their continued reporting on my credit file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable federal and state consumer protection laws.

Pursuant to 15 U.S.C. 1681i, I formally dispute this information and request that you conduct a full and reasonable investigation into these matters. I further demand the prompt correction, blocking, and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate or unverifiable information reported in my name.

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 2025-12-25 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: T.S. Holdings
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX Last XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT COLLECTION ACCOUNT Creditor/Collector : IQ DATA INTERNATIONAL Account Number : XXXX Account Type : Collection Date Opened : XX/XX/year> Reported Balance : {$17000.00} Status : Collection account past due as of XX/XX/year> On Record Until : XX/XX/year> To Whom It May Concern, This letter constitutes a FORMAL DISPUTE, NOTICE OF FRAUD, AND DEMAND FOR IMMEDIATE DELETION of the above-referenced collection account currently being reported on my Experian credit file. 

I DO NOT RECOGNIZE, OWE, NOR HAVE I EVER AUTHORIZED this alleged debt. The reporting of this account is false, unverified, inaccurate, and legally unenforceable, and its continued presence on my credit report is a direct violation of federal law. 



FCRA VIOLATIONS STRICT LIABILITY ATTACHES Your continued reporting of this account violates, but is not limited to, the following provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 1681c ( a ) Reporting unverified and misleading collection data 1681i ( a ) ( 1 ) ( A ) Failure to conduct a lawful reinvestigation 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 1681n & 1681o Willful and negligent noncompliance ( statutory and actual damages ) Experian is not permitted to rely on automated e-OSCAR responses or creditor data parroting. You are required to possess competent evidence of accuracy. If you can not produce such evidence, DELETION IS MANDATORY.

ADDITIONAL MATERIAL INACCURACIES This account contains multiple fatal defects, including but not limited to : No proof of contractual obligation No proof of consumer authorization No proof of ownership or assignment Inconsistent balance reporting No lawful validation prior to reporting Improper classification as an Individual responsibility These defects render the account legally unverifiable and unreportable. 



DEMAND FOR ACTION Accordingly, I hereby demand that Experian : XXXX. IMMEDIATELY DELETE the IQ DATA INTERNATIONAL collection account in its entirety 2. Cease all reporting of this account 3. Provide written confirmation of deletion 4. Notify all third parties who received my credit file of the correction pursuant to 1681i ( d ) NOTICE OF INTENT TO LITIGATE Failure to comply within the statutory 30-day period will leave me no alternative but to pursue civil litigation for willful FCRA violations , including claims for : Statutory damages Actual damages Punitive damages Attorneys fees and costs This letter serves as documented notice. No further warnings will be issued.

Govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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