vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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:
Since XXXX, XXXX XXXX has engaged in unlawful and unfair practices regarding my account. 

Specifically, XXXX XXXX has engaged in unfair and deceptive practices, including but not limited to : Reporting a credit card account that I dispute as inaccurate. 
Failing to provide proper validation of the alleged debt or account details. 
Reporting incomplete, unverifiable, or misleading information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Failing to provide documentation proving my legal responsibility for this account, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA reporting standards. 
Charging unauthorized fees and misapplying payments. 
Increasing interest rates without proper notice. 
Continuing to report inaccurate information to the credit bureaus despite multiple disputes. 

I have contacted XXXX XXXX numerous times by phone and through written dispute letters. Despite providing proof, XXXX XXXX has failed to resolve these issues. 

As a direct result of these unlawful practices, I have experienced : XXXX XXXX damage Financial loss Denial of credit Emotional distress and stress Requested Relief : I request that XXXX XXXX XXXX 1. Immediately correct the reporting errors and remove all inaccurate information from my credit reports.

2. Provide full validation of the alleged account, including original signed agreements and payment history.

3. Refund all unlawful charges and fees.

4. Provide written confirmation of 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 explanation
Consumer complaint received 2025-09-28 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:
Since XXXX XXXXXXXX XXXX has engaged in unlawful and unfair practices regarding my account. 

Specifically, XXXX XXXX has engaged in unfair and deceptive practices, including but not limited to : Reporting a credit card account that I dispute as inaccurate. 
Failing to provide proper validation of the alleged debt or account details. 
Reporting incomplete, unverifiable, or misleading information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Failing to provide documentation proving my legal responsibility for this account, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA reporting standards. 
Charging unauthorized fees and misapplying payments. 
Increasing interest rates without proper notice. 
Continuing to report inaccurate information to the credit bureaus despite multiple disputes. 

I have contacted XXXX XXXX numerous times by phone and through written dispute letters. Despite providing proof, XXXX XXXX has failed to resolve these issues. 

As a direct result of these unlawful practices, I have experienced : Credit score damage Financial loss Denial of credit Emotional distress and stress Requested Relief : I request that XXXX XXXX XXXX 1. Immediately correct the reporting errors and remove all inaccurate information from my credit reports.

2. Provide full validation of the alleged account, including original signed agreements and payment history.

3. Refund all unlawful charges and fees.

4. Provide written confirmation of 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 2025-09-28 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My identity was stolen a while back. I had a credit freeze on my report and APPLE GS BANK, still lended out credit to an unknown source without me knowing or my consent. I submitted more than 3 CFPB reports about my identity being stolen and they refuse to fix anything. They always say im still responsible for the credit even though I told them my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management Inc. sent me an outdated debt validation statement that omitted the information I had requested. Despite sending them a cease and desist letter, they continued to collect the debt, claiming my responsibility even after their repeated failures to validate it twice. Their request was unprofessional, and I require a thorough investigation into their practices. 

I had specifically requested the following information : 1. The original account number 2. The name of the original creditor 3. The date the account was opened 4. The date the last payment was made 5. The amount of the original debt 6. An itemized statement of the account history, including transactions, payments, charges, and the entire chain of custody

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Issue Type : Debt collection attempts to collect debt not owed What happened : Capital One Bank ( USA ), N.A. has repeatedly sent me overdue account notices for an account that I do not own and never applied for. I have notified Capital One multiple times in writing ( including certified mail ) and by telephone that I am not the account holder. Despite this, Capital One continues to send me collection notices. 

In addition, during phone calls, Capital One representatives demanded that I provide highly sensitive personal information ( including my Social Security Number ) even though I am not the cardholder. This has placed me at risk of identity theft. 

The account belongs to someone named XXXX XXXX XXXX, last 4 digits of the account is XXXX. I am not XXXX XXXX XXXX and I do not own this account. 

Impact : Capital Ones conduct has caused me significant emotional distress, XXXX, and loss of sleep. I have also suffered inconvenience, reputational risk, and financial expense ( such as costs for certified mailings and time lost trying to resolve this ).

Steps I have taken : I sent more than 20 emails to XXXX ; four phone calls totaling approximately 2 hours on the phone with customer services and fraud ; certified letter to their home address in Utah. Capital One has refused to respond to my issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/year> I received an alert from my bank provided credit monitoring that a new credit card had been opened in my name. I have neither applied for, nor requested any new lines of credit. I logged in to my credit monitoring and identified that the credit line had been opened with XXXX XXXX. I immediately froze my credit at all three credit bureaus and called XXXX. I provided my information to the person I spoke with and was told I would receive an email with the results of the investigation. I also opened an investigation with XXXX, the credit bureau which ran the credit check. 

On XX/XX/year> I received a card from XXXX XXXX with my maiden name, a name I have not used in 15 years. 

On XX/XX/year> I received notification from XXXX  that they resolved the dispute with a finding " Not Specified ''. 

On XX/XX/year> I had not yet received any communication from XXXX XXXX. I called back and was told there was no record of my previous call and investigation request. I once again told them I had not requested or authorized the opening of an account. I requested that the account be closed, and was told they would need to complete an investigation. As far as I am aware, the account is currently still active, and my credit is at risk as a result of their inaction.

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 2025-09-28 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: MO

Complaint narrative:
I am disputing the Capital One account appearing on my XXXX XXXX XXXX XXXX reports. Capital One is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report. I demand an immediate investigation to resolve these inaccuracies, or you must DELETE them from my credit file. 

PART ONE : PERSONAL INFORMATION Update my personal information as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Name : XXXX XXXX XXXX XXXX Correct SSN : XXXX Correct Date of Birth : XX/XX/XXXX I do not authorize the reporting of any telephone numbers on my report. Please DELETE all other addresses that are not deliverable by the U.S. Post Office, as they are inaccurate and not legally reportable under the FCRA. 

Incorrect Names to DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses to DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Employer to DELETE : XXXX XXXX PART TWO : UNAUTHORIZED CREDIT INQUIRIES I did not authorize the inquiries listed below. These violate FCRA Section 1681b ( c ) and represent a willful breach of my privacy rights. You are required to provide copies of documentation with my signature authorizing these inquiries. If you can not provide proof, DELETE these inquiries immediately. 

Unauthorized Inquiries to DELETE : 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 XXXXXX/XX/XXXX PART THREE : INACCURATE ACCOUNTS According to FCRA Section 609 ( a ) ( 1 ) ( A ), you are required to verify accounts by providing physical proof of the original signed contract. Failure to produce original documentation renders these accounts unverifiable and they must be DELETED from my report immediately. 

Accounts to VERIFY or DELETE : 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 Your continued reporting of inaccurate, unverifiable, or duplicate information is willful non-compliance with FCRA Sections 602, 603, 609, 611, and 623, as well as violations of Metro 2 reporting standards . If you can not provide complete verification with original documentation, you must permanently DELETE these accounts and inquiries from my report.

All letters you receive bearing my name are prepared by me or my authorized advisors with my full consent. No provision of the FCRA requires a Power of Attorney for my dispute to be valid. Any attempt to delay or refuse processing will be treated as further willful violation. 

I expect your compliance within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Summary : On XX/XX/XXXX, Capital One restricted my XXXX XXXX ending in XXXX for suspicious activity. The account was current, never over limit, and all transactions were mine. No explanation was ever given. 
Capital One then demanded 90 days of bank statements, but I had no financial activity from XXXX XXXX due to medical incapacitation ( diagnosed with XXXX XXXX in XXXX ). I began working again on XX/XX/XXXX, with first direct deposit on XX/XX/XXXX. Only statements from XXXX XXXX XXXX exist. I explained this multiple times but Capital One refused to accept them. 
As a result, my XXXX score dropped from XXXX to no score and XXXX dropped from XXXX to XXXX overnight ( XXXX XXXX XXXX ). This destroyed a pending business transaction with XXXX XXXX XXXX and has blocked my ability to secure housing as I transition out of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I would like to bring to your attention that on XX/XX/2025, I completed an electronic transfer of {$380.00} from my bank account to the Nissan Financial account. Despite making this payment, I am currently receiving repeated calls regarding my car payment status. I kindly request to be placed on a Do Not Call list until this matter is resolved. I have come to realize that this is not an isolated incident, as it appears that similar issues have occurred both to me and others, including current employees of Nissan. Thank you for your understanding and assistance in addressing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to XXXX to use a credit card and it was declined. It had a {$10000.00} limit and I owed no money on the card. This account was issued by XXXX XXXX. I also have about nine other XXXX XXXX issued credit cards with XXXX balances on all of them .. some of which I have had for well over 20 years. No late payments, no bankruptcies, no high balances, no derogatory issues whatsoever. My household salary is XXXX of {$1.00} XXXX annually and I own my home. XXXX XXXX  closed down all of my credit cards without cause which resulted in a XXXX point decrease in my credit score. This is the most humiliating and unsubstantiated thing I have ever encountered. Not to mention their customer service has been absolutely no help on this issue. If XXXX XXXX  thought credit limits were too high, then they shouldve lowered them. But to completely close out accounts, where nothing is owed, and nothing negative has ever occurred on any of these accounts, is not only horrible business, but very disrespectful to me and my credit score, in which I take a great amount of pride in. With all of the closures there is obviously nothing that I can do about regaining the lost points of my credit score. All of the credit reporting companies should be aware, and if there is a class action lawsuit against XXXX XXXX, I would love to be a part of 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 non-monetary relief
Consumer complaint received 2025-09-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered multiple unauthorized hard credit inquiries listed on both my TransUnion and Experian credit reports. These inquiries were not initiated or authorized by me and were placed despite a fraud/security alert already filed on my reports. Under the Fair Credit Reporting Act ( FCRA ) 604, no permissible purpose existed for these inquiries.

I contacted the credit bureaus to dispute these inquiries, but they have continued reporting them without providing proof of my consent, such as a signed application or written authorization. This violates FCRA 611 ( failure to conduct a reasonable reinvestigation ), FCRA 605A ( failure to follow fraud alert procedures ), and Metro 2 compliance standards, which require accuracy and verifiability.

These unauthorized inquiries have negatively impacted my credit score and exposed me to further risk of identity theft.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I XXXX XXXX was never giving any information on my rights by Chase bank, they also voliated 15 U.S.C. 1691 ( a ) ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; So in closing, Chase bank ran my credit without no goods and services, hard pull on my credit which has hurt my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Unauthorized Hard Inquiry Request for Immediate Deletion Report Date of Inquiry : XX/XX/XXXX Creditor Listed : XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the hard inquiry appearing on my TransUnion credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit bureau may only furnish my credit report for permissible purposes such as an application for credit that I initiated and authorized. I have never applied for or authorized any credit, loan, membership, or account with XXXX XXXX XXXX XXXX. Therefore, this inquiry was made without my knowledge or consent, and it is a direct violation of the FCRA. 

Because this inquiry was not authorized by me, it is fraudulent and impermissible. Under the FCRA 1681i, I am requesting an immediate investigation and removal of this inquiry from my credit report. Please also provide me with the name, address, and contact information of the party who requested this inquiry, as required under FCRA 609 ( a ) ( 1 ).

If you fail to remove this unauthorized inquiry, you will be in violation of federal law, and I will not hesitate to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Please complete your investigation within the required 30 days and send me written confirmation once this inquiry has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( last 4 digits ) : XXXX DOB : 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 non-monetary relief
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report. They are hurting my abilty to obtain 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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Account was paid in full in XX/XX/year>. Received a paid off status from the company. However, on XX/XX/year>, the company reported the account as delinquent to XXXX, which is inaccurate. Contacted the company for the account to be corrected. Company advised that they could not correct the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I was out of town and faced an emergency and applied for this loan. The loan was processed and I didn't receive unfair details of outrageous percentage of 783.38 % for repayment. 
XXXX payments have already been taken from my account which has already past the amount totaling to {$1900.00}. I want to stop payment without having to close my account or affecting my credit and feel I've paid already a fair amount. 

Total of Payments The amount you will have paid after you have made all payments as scheduled with 783.38 % is {$5200.00} for the loan amount of {$1200.00} is {$6400.00} Your Payment Schedule will be : Payment Number Payment Amount Payment Due Date XXXX {$320.00} XX/XX/year> XXXX {$320.00} XX/XX/year> XXXX {$320.00} XX/XX/year> XXXX {$320.00} XX/XX/year> XXXX {$320.00} XX/XX/year> XXXX {$320.00} XX/XX/year> Customer Care Team for Willowlake lending ( 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