vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Received notice of a late payment while trying to buy a home in XXXX. I was advised that a late payment was on my report. this is inaccurate as i paid off the account in XXXX XXXX and have proof of payment with the date. the late payment was reported and the lender pulled out of the deal costing me to become homeless as we were already 2 weeks into the closing process.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I've recently lost my job- it was grant funded and we lost the funding. I have been looking for a job for months, knowing this might happen, and haven't been able to find a new one yet. This economy is very tough. I noticed my Capital One interest rate had been raised to over 22 %- absolutely disgusting and predatory. I have no way of getting out from under this. Another one of my credit cards was wonderful and offered me a great program that will allow me to continue to pay my bills at 0 % interest. This was extremely helpful and will allow me to keep my credit score good. 
I called Capital one several times over the past few days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this morning, XX/XX/XXXX ). I was hung up on several times, transferred around the world, and told various lies. The only offer they would make me would be to waive any late payment fees on the account. I don't have any late fees, so this was not helpful. I was told that this was all they could do for me unless I was delinquent on the account. I explained that that is why I am calling, I am trying to be responsible and work with the company in order to pay off my bills properly. They would not budge and I can not get any help from them. I am beyond disgusted and will never do business with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a capital one card user for a few months I added a authorize user to my credit card me and my XXXX started using the card no issues my XXXX has been the person making the payments through her XXXX XXXX  account so yesterday XX/XX/year> I get a email saying all my accounts from capital one are being restricted I currently have 2 credit cards I check my capital one account and yes my card were registered I called one rep told me I had to send in proof that I had permission to use the XXXX  account to make payments to the capital one of course I sent in bank statements because the XXXX  account belongs to my Authorized use and she was the person making the payments from her XXXX  account so capital one goes on to tell me it will take 10 days for fraud prevention to look at all my documents I sent in proof of the chase checking account and by the way my Authorized User XXXX XXXX is also my Daughter N Law also front and back of my ID and proof of my address but I feel like I havent done anything wrong my account was restricted because my authorized user mad a couple payments so yes I want to file a complaint I had a big important event ( wedding ) that I was planning on using my credit card to get plane ticket and hotel

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CARD Corporation
State: GA

Complaint narrative:
I am filing this report to formally address an unresolved issue regarding the closure of my checking account and the prolonged withholding of my funds by this institution.

I opened a checking account with this company on XX/XX/XXXX, and received a direct deposit of {$8100.00} on XX/XX/XXXX. After using the account for 33 days, the account was abruptly closed without a clear or reasonable explanation of risk, nor was any substantive justification provided by the institution. While I acknowledge that your terms and conditions allow for account closures at your discretion, I have been unable to retrieve the remaining funds in the account despite multiple attempts and direct communications.

To date, I have made seven phone calls and spent numerous hours speaking with customer service agents, all to no avail. I was informed that the remaining funds would be sent via check to the address on file. Despite patiently waiting over 60 days, I am now being told that I must submit personal identification documents in order to receive my own funds. I must decline this request, as our business relationship has been terminated, and there is no legal basis for your institution to require additional documentation at this stage, nor to retain my personal information. 

According to 12 U.S.C. 5531 ( c ) and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act of 2010, it is unlawful for a financial institution to engage in unfair, deceptive, or abusive acts or practices ( UDAAP ). Furthermore, the Consumer Financial Protection Bureaus Circular 202302, published in the Federal Register at 88 Fed. Reg. 33,545 ( May 24, 2023 ), makes clear that reopening or conditioning access to closed accounts may constitute a violation of these statutes. The continued withholding of my funds, and the imposition of new verification requirements after the termination of our relationship, may be considered unfair and abusive under federal law.

Additionally, under Georgia law ( OCGA 4412197 ), institutions are not authorized to indefinitely hold client funds once an account is closed, especially when a request for disbursement has been made. There is no indication that these funds qualify as unclaimed property under Georgias five-year dormancy statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit report is bad due to late payments showing, accounts that were included in bankruptcy, charge off etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Received a voicemail on XX/XX/year>, stating someone would be at my residence with legal documents to appraise my vehicle. Did not state who the interested party was, who they were, or the circumstances. 

My husband also received this voicemail which included vehicle VIN, my name, and it was for a debt. He called the number and they divulged a plethora of personal information ; they were a " debt collector ", seizing my vehicle ( which they can't do ), the amount owed ( which is over inflated ), my social security number, who they debt was to, where I was when taken ( in XXXX XXXX XXXX, this is also inaccurate! ). 

I called the number to try and get them to validate, inform them this debt is too old to arbitrate in court, the amount is wrong ( I have proof, {$220.00}, and they are stating {$1200.00} ), which has been refuted in the past. They refused to honor anything, talked over me, said they would not validate, and if I could again, would sue me for harassment.

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 2025-06-26 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 writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The account below, which only appears on my Equifax credit report, does Not relate to any accounts I have opened or any primary care I ever visited. It is the result of identity theft. 
1. Identity Theft XXXX ORGINAL CREDITOR IXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The week of XX/XX/XXXX, my computer was remotely hacked. My passwords, emails, card information was stolen and used. My computer also has access to my phone remotely through the XXXX phone link feature. I noticed 2 charges on my chase credit card from 2 different apple stores In Illinois 1 purchase for XXXXXXXX XXXX XXXX XXXX for the amount of XXXX and another for XXXX XXXX XXXX XXXXXXXX. I reported these purchases to Chase and they reimbursed me for the purchases promptly, but they are now claiming that I made these purchases because my physical card was used. I had my physical card in hand that day leading me to believe that it may have been cloned or copied. I have been trying to resolve this with Chase but they are still claiming it was a valid purchase. The apple stores also have cameras that can be checked to verify that it was not me in store that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a reward credit of {$300.00} pending on my Capital One Quicksilver credit card & they closed the account & stole my rewards credit of {$300.00}. I wanted them to honor my reward credit & they refused!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4600.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
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 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 2025-06-26 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: CA

Complaint narrative:
My vehicle was paid for in cash at XXXX XXXX dealership in XXXX ca.and then a hard inquiry was done that shouldn't have been on my credit report trying to get this removed from my 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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing a complaint against Truist Bank regarding an ACH transfer of {$170000.00} that I initiated, which was sent to a fraudsters account. I believe Truist failed to perform basic due diligence or utilize standard fraud-prevention practices that would reasonably be expected for such a large transfer.

Truist did not verify that the recipient name matched the account name, nor did they place any hold or flag the transaction for revieweven though the amount was significantly higher than the {$5500.00} threshold listed in their own funds availability disclosures. Had they followed their own risk controls or applied routine large-deposit safeguards, this fraud could likely have been prevented.

I request that the CFPB investigate whether Truist followed federal regulations and its own policies regarding ACH deposit holds, risk review, and fraud detection on large transactions. I am seeking accountability and potential restitution for the financial harm I suffered due to Truist 's negligence in processing this transfer. 
Date of Transfer XXXX ( from my bank XXXX XXXX XXXX  ) Date of Reversal XXXX XXXX XXXX So there was only 3 business days from the day we posted to the day they gave the funds to the fraudster.

I have contacted the FBI, The local police ( XXXX XXXX XXXX XXXX XXXX, Oklahoma )

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the addition of {$1700.00} in deferred interest charges applied to my credit card account with XXXX XXXX XXXX. This charge was applied retroactively after I missed the payoff deadline of XX/XX/year> for a 0 % interest promotional balance.

For the full term of the promotion, I made automatic monthly payments of {$150.00}, with the goal of paying off the full balance before the promotional period ended. By XX/XX/year>, I had a remaining balance of only {$170.00}. 

Heres what occurred : In XX/XX/year>, I made an additional one-time payment of {$30.00} on XX/XX/XXXX, believing it would help accelerate the payoff of the promotional balance. 

However, due to language in the agreement stating that any one-time payment amount may reduce or cancel your next automatic payment, my scheduled XX/XX/XXXX auto-payment was lowered to {$120.00}, without any notice or alert to me. 

As a result, my overall payoff plan was unknowingly set off track by {$31.00}, causing me to carry {$51.00} past the final XX/XX/XXXX deadline and triggering the full deferred interest accrual from the past two years.

My final XX/XX/year> payment of {$150.00} was applied toward the {$170.00}, leaving a remaining balance of just {$20.00} unpaid again, without any notice that full payment was required to avoid losing the 0 % promotional benefit.

I would like to dispute this charge on the basis of : Lack of adequate notification that my auto-payment would be reduced due to a manual payment months earlier.

No clear warning that I was at risk of triggering a {$1700.00} interest charge over such a minor remaining balance.

Good faith efforts throughout the full promotion period, including consistent automatic payments and a near-complete payoff by the deadline.

I respectfully request that the retroactive interest charges be waived or reversed as a one-time courtesy. I believe this situation is the result of a technicality and communication failure, not neglect or irresponsibility on my part. Had I known my auto-payment was reduced, I would have gladly made up the difference.

I am happy to provide account statements or payment history if needed.

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation