vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-12 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: GA

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 four 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 : 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/year>, Portfolio Recovery Associates ( PRA ) sent me a letter confirming a settlement on an account they purchased from XXXX  XXXX. The letter stated that if I made a final payment of {$750.00}, the account would be considered paid-in-full and PRA would request that the three major credit reporting agencies delete PRAs tradeline from my credit reports. 

On XX/XX/year>, PRA withdrew {$750.00} from my account ( see attached screenshot ). This payment cleared and should have satisfied the settlement in full.

However, PRA has not honored their written promise. Instead : On XX/XX/year>, PRA sent me another letter claiming I still owed a phantom balance of {$0.00}, contradicting the settlement terms and my payment.

PRA continues to report the account to the credit bureaus as a derogatory Paid Collection with the notation Consumer disputes after resolution ( screenshot attached ).

PRA processed the payment as a recurring purchase, which is misleading because this was a settlement payoff, not a subscription or recurring charge.

This is misleading, harmful, and a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because : 1. PRA failed to honor its own written agreement to delete the tradeline after payment.

2. PRA is furnishing inaccurate information to the credit bureaus.

3. PRA is attempting to collect a false {$0.00} balance after accepting my full settlement payment.

4. PRA used deceptive payment processing language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I am disputing the late payment inaccurately reported on my credit file. My records demonstrate a history of timely payments, and this entry is erroneous. Its continued presence creates a misleading impression and unjustly harms my credit reputation.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones continued failure to release funds that are rightfully mine. 
XXXX XXXX, Several ACH reversals was deposited into my closed account. 
The charge-off balance on this account was already fully paid before this deposit. 
As a result, Capital One acknowledged that I am due a cashiers check refund. 

Capital Ones back office approved that the funds be sent via FedEx, and I was told the check would be mailed within 30 days. Instead : The check has been held repeatedly in the fraud department for verification of funds. 
This is now the third separate time they have stalled the release using the same excuse. 
It has now exceeded the reasonable time frame for funds disbursement. 

This delay has caused me financial hardship and appears to be an unfair and deceptive practice to withhold funds after acknowledging they are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I'm disputing the alleged debts after numerous attempts to report the fraud. My information was apart of multiple data breeches with companies includinXXXX XXXX XXXX XXXX XXXX  and I didn't authorize these accounts or the alleged debts. Under the fair credit reporting act and 15 usc 1681 c-c and 15 usc 1692c-c ; i refuse to pay these debts, and i demand that all companies cease communication, including reporting to any credit bureau, as such reporting also constitutes communication by definition. continued communication will be treated as lawful and legal violations under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I went to pay my credit card bill I noticed my balance a little too high. When I looked further into it there were charges all with an XXXX next to the name which I was told by the customer service XXXX signifies its a XXXX merchant. The amount charged was around {$1300.00} and it is very evident that the amount of charges were out of character for me. Some of the charges were supposedly showing that items " were shipped '' to my address which is completely untrue. I don't know if this is anew type of scam where they change the address after the purchase or what. I am so disappointed in the lack of research and help from the fraud department. I did not receive any of those items nor did I order them. The e-mail used to purchase wasn't even my e-mail address. So many things are off about these purchases and the bank refuses to side with me or do further research. I had them reopen the claim and they quickly closed it because I had no new information. How would I have additional information for purchases I did not make? Why would my story change? It's simple I did not make the charges. This whole experience is frustrating and it doesn't seem like the bank has my best interest at XXXX. Any assistance would be greatly appreciated. They wanted me to file a police report, but I am reaching out here first just in case. 

thank you,

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 2025-09-12 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: CT

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 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  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, 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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts listed on my credit report. These accounts are not mine, were never authorized by me, and constitute inaccurate and harmful information. Their inclusion misrepresents my credit history and undermines the integrity of 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 non-monetary relief
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
In or around XX/XX/year>, I was contacted by Radius Global Solutions, a third-party debt collection agency, regarding an alleged outstanding debt totaling {$2400.00}. The debt was originally claimed to be owed to XXXX, a utility provider. However, this account was opened fraudulently and is the result of identity theft. I have never opened an account with XXXX, nor have I ever authorized anyone to open such an account on my behalf. They reported this fraudulent balance to the credit bureaus.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was forced into sending a scammer {$80.00} on XXXX, XX/XX/year>. He pulled up and blocked my car into a spot in the XXXX XXXX parking lot in front of XXXX and said he could fix my cars visible dents and scratches. Being a woman, I was nervous and allowed him to demonstrate since I was parked in. He barely did anything to the car then was demanding {$300.00} for his non-service. He also raised his voice and sounded desperate. I ended up sending him {$80.00} on cashapp to get away safely and quickly. I immediately reported that I was scammed into sending money to him. Cashapp has not sent any info my way regarding the investigation. I am contacting my bank to dispute the charge as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I have account with Credit Karma. 12 days ago they locked my account. I have provided all of the information they've requested yet they refuse to unlock my account. The account is provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and offered through Credit Karma 's website. The phone number is XXXX which connects to a call center in XXXX. They refuse to unlock my account yet the ask for no additional information and claim the account is under " review. '' There are only a handful of transactions so I don't understand what could require 11 days to review. I just want access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO 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 non-monetary relief
Consumer complaint received 2025-09-12 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: U.S. BANCORP
State: OH

Complaint narrative:
I did the pre-approval process for the USBank credit card for XXXX, clicked see if I'm pre-approved, and then they submitted an application for the card which I did not want to do nor clicked any button to do so.

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 2025-09-12 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: CA

Complaint narrative:
Per USC 1681g, these inaccurate accounts should be deleted within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We had planned to stay at XXXX XXXX XX/XX/year>, our stay was uncomfortable due to the room being unsanitary, including but not limited to insect infestation, stains, and used bandaids stuck to the door/wall inside the room. The staff was rude and unhelpful, with no staffed front desk. We had tried to reach management without any success. We did not complete our stay. We were notified to contact our bank to file a dispute. I had filed a dispute over the phone with Huntington Bank on XX/XX/year> for the {$320.00} charge on XX/XX/year>. I explained all details to the representative and notified them of my photo evidence. Within the week we received a letter that nothing will be done and the case was closed. I once again called them and explained the situation, the representative opened a new claim to reopen the case but then again we received a letter stating that the case is closed and no further action will be taken. I still have been unable to contact the resort management and we feel that our financial institution is not assisting with the matter as they keep closing the case, and they never asked for the evidence or asked for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TN

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

1681c2 ) that you, the Equifax 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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sold my car to XXXX in XXXX, and my car was paid off so I as written a check for {$21000.00}. The check was written from a XXXX  XXXX XXXX business account, and so right after I got the check which was tuesday XX/XX/XXXX, I went and deposited it into my checking account at chase bank. I went into the branch to deposit this check, and since I had never had a check put on hold for more than a day, I figured it would clear the next day. Well when the funds were not in my account i called chase and they tried to override the hold, and it didnt work. I tried calling in and doing this XXXX more times until I finally went into the branch closest to my home which was yesterday, and again, the associate tried to override the hold and the bank XXXX tried to override the hold. and I wake up today, and its still on hold. and says it wont clear till the XXXX!!!! I will starve along with my dog if I have to wait this long, and on top of it I have no way to get to work. Had I known about this hold I would have gone tXXXX XXXX XXXX XXXX XXXX cashed the check there. This isnt even the biggest check I have deposited into this account, since i opened it in XXXX after my mothers death, the first check I got in regards to her life insurance was drawn off of Chase, so i opened the account then. that check was XXXX and was available immediately. and no one at the bank seems to be able to give me a clear answer as to why the hold is still in place. But im a not joking when i say i will likely starve if I have to wait till the XXXX to have this check clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit file as inaccurate and unverifiable. Under FCRA 611, you are required to reinvestigate and delete unverifiable entries. 

Disputed Accounts : XXXX ( Acct ending XXXX ) Reported as Charged off, balance {$16000.00}, profit & loss write-off. Other bureaus show different amounts/dates. Inconsistent reporting violates accuracy standards. 

XXXX ( Acct ending XXXX ) Listed as XXXX account, balance {$1400.00}. Dates/status conflict with XXXXXXXX XXXX XXXX ( Acct ending XXXX ) Status has Paid XXXX % here but shown as unpaid elsewhere. Can not all be accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Listed as Open account placed for collection. Other bureaus show XXXX XXXX or XXXX. Conflict must be corrected/deleted. 

XXXX. XXXX / XXXX XXXX ( Acct ending XXXX ) XXXX {$380.00}, reported as Paid XXXX % but also placed for collection. Conflicting statuses across bureaus. 

Please delete these accounts unless you can provide complete and accurate verification. Send me written results of your reinvestigation.

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