vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>XXXX  at XXXX XXXX XXXX a wire transfer in the amount of {$25000.00} was initiated from a customer at XXXX XXXX XXXX XXXX Capital One Auto Finance to pay off my car loan so that he may satisfy the lien and purchase my car. 

The Federal Reference Number is XXXX Capital One has been stonewalling me for a week, saying it will take another week for them to investigate the wire. 

Their website states : https : //www.capitalone.comXXXX  " We have cut-off hours for processing Wire Transfers. If a wire request is received by XXXX XXXX and verified through our security procedures outlined in the section below titled Security Procedures, funds will be processed the same business day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To : Capital One Financial Corp XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Unauthorized Payment Request and Withholding of Title Dear Capital One Auto Finance Customer Service Team, I am writing to formally dispute the recent request for additional funds on my account. According to the original financing agreement, I have fulfilled all payment obligations, and I have never agreedeither verbally or in writingto any extension of the terms of my payment plan. 
Despite my adherence to the contract, I have been informed that additional funds are being requested. This action is not only contrary to our original agreement but also appears to be an attempt to secure further payments unlawfully. Moreover, the decision to hold my vehicle title and potentially impact my credit record as leverage is unacceptable and may be considered fraudulent.

I respectfully request the following actions be taken immediately : 1. Cease Further Payment Requests : Confirm in writing that no additional funds are due beyond those stipulated in the original contract.

2. Release of Vehicle Title : Remove any hold on my vehicle title, ensuring that it is promptly released.

3. Rectification of Credit Impact : Assure me in writing that my credit status will not be adversely affected by this matter.

Please respond to this letter within 10 business days, providing a clear explanation of the actions you intend to take to resolve this issue. If I do not receive a satisfactory response, I will be compelled to explore all available legal avenues, including filing complaints with appropriate regulatory authorities. 
Thank you for your immediate attention to this serious matter. I trust that we can resolve this promptly and amicably. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting identity theft resulting in both a fraudulent account and multiple unauthorized hard inquiries on my credit reports. 

Fraudulent Account : A XXXX XXXX  credit card account was opened without my knowledge or consent and is being reported as charged off with a {$1300.00} balance and a {$1000.00} credit limit. The account was opened around XX/XX/XXXX, and last reported on XX/XX/XXXX. I did not open this account. It is currently appearing as a derogatory account on my XXXX  and TransUnion reports. 

Unauthorized Inquiries : On XX/XX/XXXX, multiple hard inquiries appeared on my credit reports from various lenders, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. I did not apply for credit with any of these companies. 

I filed an identity theft report with the FTC and a police report with the XXXX XXXX Police Department ( XXXX # XXXX ). I submitted disputes to both XXXX  and TransUnion with all supporting documentation, but the fraudulent account and unauthorized inquiries remain. 

This identity theft incident is damaging my credit standing and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611, the credit bureaus are required to block and remove fraudulent and inaccurate information. I am requesting the CFPBs help to ensure full compliance with federal law and the immediate removal of these fraudulent items from my credit reports.

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 2025-04-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Equifax on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
Mohela is missing XXXX months of payments made. Proof was provided to Mohela. It has been XXXX days since the inquiry started with no updates or movements. I have tried to contact them but am put on hold for XXXX hours and am unable to speak to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under XXXX XXXXXXXX XXXX  XXXX ( b ) and XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.

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 2025-04-18 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: CO

Complaint narrative:
After sending the attached letter requesting my personal information be corrected on my current credit report, the company responded and ADDED additional incorrect information and NOT removeing the incorrect information as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
After sending the attached letter requesting my personal information be corrected on my current credit report, the company responded and ADDED additional incorrect information and NOT removeing the incorrect information as I requested.

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 2025-04-18 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: OR

Complaint narrative:
XXXX XXXX XXXX  {$1100.00} Opened XX/XX/XXXX Company won't remove even though my credit was stolen XXXX XXXX XXXX  {$700.00} Opened XX/XX/XXXX XXXX  won't remove even though my credit was stolen XXXX XXXX XXXX {$500.00} Opened XX/XX/XXXX Company won't remove even though my credit was stolen Credence resource management- XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX Company won't remove even though my credit was stolen XXXX XXXX XXXX XXXX {$700.00} Opened XX/XX/XXXX Company won't remove even though my credit was stolen XXXX Funding- XXXX XXXXXXXX XXXX XXXX XXXX {$560.00} XXXX XX/XX/XXXX Company won't remove even though my credit was stolen XXXX XXXX- {$1500.00} XX/XX/XXXX Company won't remove even though my credit was stolen My credit and identity were stolen by a family member. They got an ID in my name and a SS card and used it over a 10 year span. I was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I was charged several XXXX dollars on my Chase credit card by a website called online-translate.biz ( also operating as mysoul.love ), which claimed to provide professional Russian-to-English translations. I was led to believe I was paying for accurate and faithful translations of personal correspondence. 

After reviewing the original Russian text and comparing it to what I received, I discovered that the English versions were not translations they were fabricated rewrites. Entire phrases were changed or omitted to mask XXXX or XXXX content. These were not linguistic errors they were deliberate misrepresentations. This was part of a romance scam intended to keep me emotionally and financially invested through manipulation and lies. I have compiled multiple examples showing how the service I paid for was not delivered. 

I filed a dispute with Chase, but at the time, I was not asked to provide any supporting evidence. The dispute was rejected outright based solely on the vendors response. I was later told that as long as the vendor replies to a dispute even in clear cases of fraud Chase will side with them. I was also told they would try to reopen the old disputes and look into the new ones, but no guarantees were made. 

I later spoke with a U.S.-based representative who acknowledged the situation and agreed that the matter deserved further review. However, Chases current process effectively allows vendors to win disputes by simply responding, regardless of whether the service was truly provided. This policy is flawed and harmful to consumers. 

I am requesting that the CFPB assist in reviewing this matter, as I did not receive the service I paid for, and Chase has failed to protect me from deceptive and fraudulent business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-18 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Issue Summary : U.S. Bank denied my dispute for two refundable holding deposits, even though the merchant, XXXX XXXX, confirmed via XXXX and text that both payments were refundable. After I requested the refund, she blocked me and kept the funds. What happened : On XXXX XXXX 2025, I paid a refundable holding deposit of {$990.00} via XXXX Pay to XXXX XXXX for a red XXXX XXXX I was considering purchasing. On XX/XX/scrub>XXXX XXXX  2025, I sent an additional {$500.00}, again with her confirmation that both deposits were fully refundable if I chose not to move forward. All communication occurred through XXXX messages and text messages. Before sending either payment, XXXX XXXX explicitly confirmed in writing that the funds were refundable. When I later decided not to proceed with the car purchase, I contacted her for the refund. She acknowledged the request, confirmed the refund would be issued and then blocked me on all platforms and never returned the money. I filed disputes with U.S. Bank for both transactions, but the claims were denied because the payments were authorized. While I did authorize the payments, they were made based on clear written conditions that they were refundable deposits tied to the potential purchase of a specific vehicle. The merchant violated that agreement, and I believe U.S. Bank failed to consider this in their decision.

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 2025-04-18 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation