vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to dispute the charges for my recent XXXX order. The package was marked as delivered, but it was stolen from my porch before I could retrieve it. I did not receive the items, and the loss occurred after the XXXX completed delivery.Since insurance or delivery protection was not included on the shipmentwhich is not my responsibility as the customerI am requesting that the charges be removed or that a replacement order be issued at no cost to me. 
Please let me know if you need any additional information to resolve this matter. 



Thank you for your assistance. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CT

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed my credit standing and score. I previously contacted your agency, and a representative assured me that these unauthorized inquiries would be removed. However, this promise has not been fulfilled, and the inquiries persist. This inaction is unacceptable, as the continued presence of these potentially fraudulent entries raises serious concerns about identity theft and is causing ongoing emotional and financial distress.

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 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On the XXXX of XXXX, my bank suddenly and without explanation took money from my saving account. I tried to call the support line but they had no idea what was going on and couldnt do anything about it. The newer picture, which came on the XXXX, implies it is a fee from an account that no longer exists, a fee that I didnt even know existed in the first place. I had no income at the time, and the account had no money before being closed by the bank

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm writing a complaint to ask the credit bureaus ( Equifax, XXXX, and XXXX ) to mail a copy of my credit reports. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and XXXX XXXX as reference.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm writing a complaint to ask the credit bureaus ( Equifax, XXXX, and XXXX ) to mail a copy of my credit reports. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and XXXX XXXX as reference.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
CONTRACT CALLERS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research CONTRACT CALLERS INC 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 explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains multiple hard inquiries that are either not associated with any authorized application for credit or are duplicate inquiries made on the same day by the same company. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers must ensure that all information reported is accurate and must remove any unverifiable, unauthorized, or duplicative items. 

Details of the Issue : Several inquiries appear on my credit report that do not correspond to any credit application or account I opened. 
Additionally, certain companies have made XXXX or more hard inquiries on the exact same date, which is improper and artificially lowers my credit score. 
I attempted to resolve this matter with the credit bureaus, but the inquiries have not been removed despite being unauthorized or duplicated. 

These inquiries from XX/XX/year> are negatively impacting my credit profile and score. I am requesting that the CFPB investigate these inaccurate/duplicate inquiries and require the credit bureaus and furnishers to : XXXX. Provide proof of permissible purpose for each inquiry, including a signed application or verifiable authorization, XXXX XXXX. Remove the inquiries immediately if no permissible purpose exists or if the inquiries are duplicate entries. 

I am attaching ( or willing to provide ) a copy of my credit report highlighting the disputed inquiries. 

Thank you for your assistance. I look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank continuously holds my checks and extends the hold even after Ive confirmed the money has been paid by the issuing bank. They are constantly unable to provide me with truthful reasoning as to why it is being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX erroneously sent an invalid debt to XXXX collections. It was posted on my credit report and though numerous documents verifying the debt was not real, phones calls and disputes have been made, the collection still is on credit report. XXXX states that they have requested the removal from Equifax and Equifax states that XXXX continues to verify the debt. Equifax continually request that disputes be submitted electronically. This has been done for months now. All documentation was submitted through the electronic system and they XXXX to say they have no documentation and that XXXX is counting to verify the debt as accurate. Equifax also states that they have not received any documents, though the dispute portal, continues to confirm the upload of documents. This has created a situation that has cause me to be unable to secure mortgage financing for myself and family. Equifax refuses to correct the error, that XXXX Acct XXXX ( XXXX ), continues to state they have requested Equifax to remove collection from credit report. Equifax has also stated that they have not received any documents from CFPB, as well. Which you claim were sent with previous complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a XXXX XXXX balance as a collection account to Experian, but they have not validated the debt and did not provide the legally required validation notice. 

Instead of sending the required FDCPA validation notice, they only sent a regular collection letter demanding payment, which did not include my dispute rights, did not identify XXXX XXXX, and did not contain any of the disclosures required under FDCPA 809 ( a ). 

They are now illegally reporting and updating this debt to Experian without validation. 

Experian verified the account without proper documentation.

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 2025-11-25 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-25 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: CA

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/year>2025, me and my girlfriend arrived at XXXX department store. My complaint is that Synchrony XXXX XXXX XXXX allowed XXXX to take out multiple cards in my name and my girlfriends name to rack up excessive charges. I was told by a sales rep at XXXX that the credit card company Synchrony XXXX XXXX XXXX had no problem issuing me multiple credit cards even though that was against the store 's algorithms. 
Synchrony XXXX XXXXXX/XX/XXXX were well aware of multiple cards being issued over XXXX purchase that took a whole week yet did nothing to stop it or rectify the problem.

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 2025-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am submitting this complaint because Capital One has not provided reasonable hardship assistance after a documented job loss and financial hardship. I have multiple Capital One accounts ( 2 credit cards and an auto loan ), and I have repeatedly requested fee waivers and temporary relief so I can keep my accounts in good standing. 

I experienced a sudden job loss which resulted in a significant reduction in income. This qualifies as a legitimate financial hardship. Despite this, Capital One has declined to remove multiple late fees and penalty charges that accrued during this period, and has not offered an appropriate hardship plan, payment extension, or fee adjustment. The representatives I spoke with stated that they " could only remove one fee, even though Capital Ones own policies allow for courtesy adjustments and hardship accommodations. 

I have made several attempts to resolve this directly with Capital One through phone calls and secure messages. I explained my situation clearly and requested a courtesy adjustment of all recent fees so I can stabilize my account and continue making payments. I also requested to speak with the Account Retention, XXXX XXXX, or Hardship/Loss Mitigation teams, but I was not provided meaningful assistance. 

Because of my job loss and financial hardship, these fees are creating additional financial strain for years and are preventing me from getting my accounts back on track. I am not refusing to pay my debts I am asking for help so I can avoid falling further behind. 

I am requesting the CFPBs assistance to : Have Capital One remove all late fees and penalty charges ever incurred over time as I am long time customer, and all associated with this hardship for the past XXXX years. 

Ensure Capital One offers a temporary hardship program, payment extension, or other relief- such as all debt removal and get my credit back in good standing. 

Have Capital One provide a clear written resolution and explanation My goal is simply to keep my account ( XXXX ) in good standing while I work to regain stable income. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint because I have identified incorrect and potentially unauthorized information on my Experian credit report. An account from XXXX XXXX XXXX is being reported as a charged-off debt, but I have never been informed of or verified such a debt. I have no recollection of having any financial relationship with XXXX XXXX XXXX, and I have never received validation of the debt or any supporting documents to prove it is accurate. I am concerned that this may be a case of inaccurate or unverified reporting by the furnisher. Additionally, my Experian report shows an inquiry from XXXX XX/XX/XXXX that I do not recall authorizing. Under the FCRA, all information on my credit file must be accurate, complete, and verifiable. I am requesting Experian to conduct a thorough reinvestigation to confirm the legitimacy of both the account and the inquiry. If either can not be verified, they should be removed immediately from my file. 

Disputed Accounts : XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/year> Status : Charged Off Requested Action : Verification of validity or removal if unverifiable. 

Inquiries : XXXX XXXX XX/XX/year> I do not recall authorizing this inquiry. Please provide documentation confirming that I gave consent. If it can not be verified, please remove it. 

Positive Accounts ( For Reference ) :XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXXXXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
These credit inquiries do not reflect any activity Ive initiated. They may be unauthorized, and I ask for urgent review. Please refer to the enclosed evidence.

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 2025-11-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( EQ ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LATE PAYMENTS ( EQ ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation Re : Alleged Federal Student Loan Account No. XXXX Notice Dates : XX/XX/XXXX ( issued ), received XX/XX/XXXX To Whom It May Concern, I am writing in response to your communication dated XX/XX/XXXX, which I received on XX/XX/XXXX, regarding an alleged federal student loan debt you claim I owe under account number XXXX. This letter serves as my formal request for validation of this debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

At this time, I dispute this debt in its entirety until you provide full and complete verification. I request the following documentation : Proof that you are authorized to collect this debt, including verification of your authority as a servicer or collector of federal student loans. 

A complete payment history, including all disbursements, payments, interest accruals, fees, and adjustments from the origination date to the present. 

Documentation showing that I am legally obligated to pay this debt, such as the original signed Master Promissory Note ( MPN ). 

A full breakdown of the current balance, including the principal, interest, penalties, collection costs, and any other charges, along with the legal basis for each. 

Verification of the current loan status, including whether the loan is in default, collection, rehabilitation, consolidation, or any other classification. 

Identification of the current loan servicer, along with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) information you are relying upon. 

Evidence of proper assignment or transfer of servicing rights if you are not the original servicer. 

Until you provide these documents, please cease all collection activity, including phone calls, mailed notices, and credit reporting. If you have already reported this account to any credit bureau, you must update the account as disputed. 

This request is for information and does not constitute acknowledgment or acceptance of the debt. 

Please send all responses in writing to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing the following items reported on my Equifax credit report. These accounts should be investigated for accuracy and completeness. 

Charged Off Accounts : XX/XX/XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00}XX/XX/XXXX, XXXX, XX/XX/XXXX, {$0.00} XX/XX/XXXX, XXXX, XX/XX/XXXX, {$0.00} XX/XX/XXXX, XXXX, XX/XX/XXXX, {$0.00} BANKRUPTCY, XXXX, XX/XX/XXXX, {$0.00} XXXX : XXXX, XX/XX/XXXX CAPITALONE, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation