vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I received a email notification that I now had a hard inquiry on my credit report. After doing a little investigating, I found that someone applied for a Capital One Credit card and was approved. I called and reported this to XXXX XXXX and XXXX. I then called Capital one on XX/XX/year> where I again confirmed that a account was opened fraudulently It has been restricted from day XXXX. They Have begun an investigation where I ultimately hope they remove this Hard Inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NC

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 : INQUIRIES XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/23 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 XXXX 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 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-26 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: IL

Complaint narrative:
I am writing to request the removal and blocking of certain accounts from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ) due to my status as a victim of XXXX XXXX. This really cause me hardship and its really concerning on my life. These accounts were opened or misused as a direct result of XXXX XXXX which has severely affected my credit history.

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 2025-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was checking my bank account that I recently opened. I noticed my credit score went down a few weeks ago for no reason. Thats when I looked into my credit report on my XXXX XXXX bank account online and seen I had a capital one credit card opened for {$480.00} and I never applied for a capital one credit card. I called capital one and asked about the credit card when it was applied and they told me I applied for the card in XX/XX/XXXX and was issued the card at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX. Thats not my address thats my ex boyfriends address. XXXX XXXX is his name. I was living in XXXX  from XX/XX/XXXX till XX/XX/XXXX. I no longer use XXXX address for anything so Im not sure why it would get sent other than him applying for it and sending it to his address.Capital one stated the credit card was used in XXXX XXXX for {$500.00}. Im moving foward with making a police report. Im submitting my paperwork and identification to get the summary of the transactions that were used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
Upon reviewing my credit reports, I found that my XXXX credit card ( account ending in XXXX ) is being reported inconsistently across the credit bureaus. For the same months, XX/XX/XXXX and XX/XX/XXXX, as well as XX/XX/XXXX and XX/XX/XXXX, some bureaus list the account as XXXX  days late, while others report it as 60 days late. The same account can't be both, and this inconsistency makes the reporting inaccurate and misleading. 

I disputed these items directly with XXXX and the credit bureaus, requesting documentation that verifies the accuracy of the reported late payments and details of the investigation procedures used. To date, no documentation has been provided. Instead, the bureaus have continued to report conflicting information. 

This violates the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies and furnishers ensure that information is reported with the maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Under 1681i, disputed information that can not be verified must be corrected or deleted. Under 1681s-2, furnishers are required to report accurate information and correct errors when notified. 

As a XXXX XXXX XXXX veteran, some of these issues arose during periods of XXXX and financial hardship, when access to financial tools was severely limited. Since that time, I have maintained my accounts in a responsible and good standing. 

These inaccurate and unverifiable entries continue to harm my credit profile and do not accurately reflect my true financial responsibility. Thank you for taking the time to review my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX, Va XXXX XX/XX/year> Re : Follow-Up Request for Method of Verification To Whom It May Concern, I am writing regarding my previous dispute dated XX/XX/year>, in which I challenged the accuracy of the following account ( s ) : XXXX XXXX  XXXX You responded by claiming the account ( s ) were verified. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ), I am formally requesting the following : 1. The method of verification used to determine the disputed information was accurate.

2. The name, address, and telephone number of the data furnisher who verified the information.

3. Documented proof of the investigation conducted, including any records, documents, or communication relied upon to reach your conclusion. 

Please note that failure to provide the requested verification and supporting evidence is a violation of the FCRA, specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide the method of verification upon request.

If you can not or will not provide proper verification, I demand that the disputed account ( s ) be immediately deleted from my credit report. Continued reporting of unverifiable information is a direct violation of federal law and may result in complaints being filed with the Federal Trade Commission ( FTC ), and the State Attorney Generals office, as well as potential legal action for damages. 

Please respond to this request within the legally required time frame. I expect your compliance in writing. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, my XXXX XXXX account was subject to XXXX unauthorized debit card transactions from " XXXX XXXX '', each for {$3000.00}, for a total fraudulent amount of {$6000.00}. 

I acted immediately to report the fraud. At XXXXXXXX XXXX, I received an SMS fraud alert from Chase for the transaction on the card ending in XXXX. I replied to the text immediately, stating I did not make the purchase. I also received an email alert and reported the fraud by selecting the " No, something's wrong '' option. 

Despite my immediate reporting, the bank 's handling of my claim has been negligent and contradictory : XX/XX/year> : The fraudulent charges posted to my account, causing a negative balance. 

XX/XX/year> : Chase issued a provisional credit for only XXXX of the XXXX fraudulent charges ( {$3000.00} ). 

XX/XX/year> : Chase reversed this credit, taking the money back out of my account. 

XX/XX/year> : I received an official letter from the Chase Customer Claims Department regarding my claim. This letter clearly states : " The temporary credit we provided is now permanent ''. 

The bank 's actions directly contradict its own formal, written confirmation. The bank took my money back on XX/XX/XXXX, but then sent a letter on XX/XX/XXXX stating the credit was permanent. The full amount of the fraud, {$6000.00}, was never returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
I have several accounts that are being reported inaccurate " Date open '' demand to update creditor : XXXX XXXX bank * currently reported open XXXX * correct date open XXXX * XXXX XXXX  * currently open date reported XX/XX/XXXX * correct open date XX/XX/XXXX * XXXX * currently open date reported XX/XX/XXXX * correct open date open XX/XX/XXXX These accounts was not open on the currently reported dates .. they were open on or around the dates listed above, and the reporting is materially inaccurate.This misrepresentation shortens my credit history and creates a false and damaging impression of the account 's longevity.

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 2025-09-26 00:00:00
Product: Debt collection — Other debt
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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am submitting this complaint against PayPal regarding the sudden and unjustified limitation placed on my account and the withholding of my funds.

I have been a PayPal user for a long time. Throughout my history with PayPal, I have never had any complaints, disputes, or chargebacks from buyers. Despite this, in XX/XX/year>, PayPal suddenly restricted my account and froze my funds without providing a clear and valid explanation.

When I contacted PayPal, I was first told that my account was restricted due to suspicious fund movements. I provided evidence to prove the legitimacy of my funds. However, PayPal later changed their explanation and claimed that my account was linked to another account, which triggered their risk control measures. I must stress that my account is solely operated by me, and there has never been any unauthorized usage or association with other accounts.

It appears that PayPal is continuously finding excuses to justify the restriction rather than giving me a transparent explanation or releasing my money. This has caused me significant financial harm and emotional distress. 

I respectfully request that the CFPB investigate this matter, ensure that PayPal provides a fair and transparent resolution, and require them to release my legitimately earned funds and restore my account access. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute with XXXX regarding a collection account reported by Credit Collection Services for {$180.00} allegedly owed to XXXX XXXX XXXX. 

I have an official letter from XXXX XXXX XXXX confirming that I do not owe them any balance. Despite submitting this letter as proof, XXXX denied my dispute on XX/XX/year>, and the collection account remains on my credit report. 

This is inaccurate and harmful to my credit history. The original creditor ( XXXX ) has verified that no debt exists, therefore the collection agency is reporting false information in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this inaccurate collection account be deleted from all of my credit reports immediately. I am attaching a copy of the XXXX letter as supporting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX and SELENE FINANCE mishandled my foreign national XXXX mortgage. They charged me twice in the same month ( XX/XX/year> and XX/XX/year> ). When I noticed the error, I called immediately. They admitted the mistake and promised a refund within 2 weeks. 

Before I ever received the refund, XXXX transferred my loan to Selene Finance. Now Selene is claiming I missed a paymenteven though I clearly paid twice. I provided bank statements proving the double charge and no refund to SELENE FINANCE, yet nothing has been resolved. 

It has been over 2 months, my {$3500.00} is missing, and this error is about to damage my credit score. This is unacceptable. Either refund my money immediately or apply it correctly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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