vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> I deposited a check for {$2000.00} into my account. I even wrote my account number on the back of the check AND gave the drive thru teller my debt card. I get home and realized they put it in the wrong account AGAIN. This has happened to me a few times before which is why I ALWAYS give them my debt card. I even wrote my account on it so it wouldn't happen again. They put it in my mom 's account even though my name is on it ... IT IS NOT MY ACCOUNT!! They have violated my privacy by putting it in HER account. I did NOT want her to know about my check and how much money I have!! And on top of that I was not made aware that they would be holding my funds and it would not be available!! I will be closing this account and taking my money somewhere else. If my mom finds out about my money I will be contacting a lawyer for them violating my privacy!!!

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 2025-12-19 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: OH

Complaint narrative:
Take my report and file away bc I have had my identity stolen. I didt agree to that. Can u pls take those away to repair my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
I just want to Follow up When I reviewed my credit report, I discovered that some of the information being reported was erroneous and not consistent with my actual account history. Under the Fair Credit Reporting Act, the credit reporting agencies and the data furnisher are required to validate and ensure the accuracy of all information reported in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible for the credit bureaus or the furnisher to continue reporting information that has not been properly verified or validated, especially when a consumer submits a dispute within the time frame allowed by law. Reporting unverified or inaccurate information is a direct violation of federal requirements governing the accuracy and integrity of consumer credit information. The specific account I am disputing and requesting investigation and correction for is : XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Balance Owed : {$660.00}. * * This account is being reported inaccurately, and I have made efforts to dispute this information directly with the credit reporting agencies. Under FCRA Section 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2, the furnisher is prohibited from reporting information known to be inaccurate, and they are required to correct and update information that is determined to be false or incomplete. Further, under FCRA Section 611, 15 U.S.C. 1681i, the consumer reporting agencies must conduct a reasonable and timely investigation into disputed information. Despite these clear legal obligations, the inaccurate information continues to be reported without proper validation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am formally requesting that this debt collector cease and desist all communication with me immediately regarding this alleged debt. 
Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once this request is received, the collector may not contact me except to confirm compliance or to notify me of specific legal action.

Despite my rights under federal law, this company has continued to contact me and/or has failed to respect my request to stop communication. 

I am requesting that the CFPB require this company to immediately stop all contact, confirm compliance in writing, and ensure that all future communications comply with federal law. 

This request does not acknowledge or admit liability for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: IL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identifi ed as an affected consumer and received notice of the breach. Because my SSN and other identifi ers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

These derogatory accounts have damaged my credit standing and impaired my ability to obtain fi nancing. Because TransUnion allowed my identifi ers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my fi le.

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Provide incorrect and threatening information, including that they were sending a sherif to my place of work and home. They contacted my family members on XX/XX/year> and made XXXX explicit comments to my sister after stating I frequent a XXXX XXXX ( I do not ). Using threatening and illegal tactics. 

Reached debt that is not owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NC

Complaint narrative:
I purchased a XXXX from XXXX on XX/XX/XXXX of XXXX. I decided I wanted a different kind of XXXX  and returned the merchandise via XXXX using the label provided by XXXX. I raised a dispute with the card issuer that I used for the purchase chase bank because XXXX has a reputation for taking over a month to process returns in which case I would be outside the area to dispute the charge if XXXX doesnt process the return properly. And what I feared came to fruition XXXX never processed my return they said they were unable to locate the return. And chase denied my dispute because XXXX responded and said there was no billing issue and that I still needed to pay for the returned merchandise. I will provide a tracking number which shows the return at least made it to XXXX XXXX and wherever it went after that is not on me the consumer to foot the bill. It is on XXXX. So XXXX issuing this complaint as a last ditch effort to get my case reopened and reviewed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am a XXXX XXXX. American Express has closed my personal debit card and my business checking account without notice and without giving me an opportunity to respond. These closures occurred immediately after I filed CFPB complaints about my trafficking and resulting financial harm. This is retaliation and violates consumer protection laws. 

SPECIFIC FACTS : Personal Debit Card : Closed XX/XX/year> without notice Business Checking Account : Closed XX/XX/year> without notice Reason given : None I received no advance noticeI was given no opportunity to address the issue These closures immediately followed my CFPB complaint filing I am a documented trafficking victim Amex is retaliating against me for exercising my consumer protection rights I REQUEST : EMERGENCY order prohibiting further closuresImmediate reinstatement of accountsInvestigation into retaliationDamages PRIORITY : URGENT XXXX  XXXX  IN CRISIS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: DE

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
Could you review this entry carefully? It may be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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 reporting unlawful credit reporting related to identity theft and accounts opened when I was legally a minor. My name is XXXX XXXX, DOB XX/XX/XXXX. The following account was fraudulently opened without my authorization : XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, when I was XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, without authorization I did not apply for, sign, authorize, or benefit from these accounts. As a minor, I was legally incapable of entering into any binding financial agreement. Reporting such accounts is inaccurate, misleading, and unlawful. 

I have filed an FTC Identity Theft Report ( Report No. XXXX ) and an XXXX Police Report ( Report No. XXXX ) confirming identity theft. These reports establish that the accounts are fraudulent and meet the definition of an identity theft report under the Fair Credit Reporting Act. 

Despite this, the accounts continue to be reported instead of being permanently blocked and deleted as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 am reporting unlawful credit reporting related to identity theft and accounts opened when I was legally a minor. My name is XXXX XXXX, DOB XX/XX/XXXX. The following account was fraudulently opened without my authorization : XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, when I was XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, without authorization I did not apply for, sign, authorize, or benefit from these accounts. As a minor, I was legally incapable of entering into any binding financial agreement. Reporting such accounts is inaccurate, misleading, and unlawful. 

I have filed an FTC Identity Theft Report ( Report No. XXXX ) and an XXXX Police Report ( Report No. XXXX ) confirming identity theft. These reports establish that the accounts are fraudulent and meet the definition of an identity theft report under the Fair Credit Reporting Act. 

Despite this, the accounts continue to be reported instead of being permanently blocked and deleted as required by law.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding Capital Ones denial of my billing dispute and removal of temporary credits totaling {$590.00}.

The dispute involves a travel-related transaction paid through XXXX. I was unable to take or use the purchased services due to extraordinary circumstances completely outside of my control. 

My scheduled travel dates were XXXX XXXX XXXX. 

At that time : XXXX was experiencing a hurricane, which caused airport closures, flight cancellations, and unsafe travel conditions.

TSA operations in New York were impacted due to a government shutdown, preventing me from departing as planned.

Capital One denied my dispute solely based on the merchant stating the charge was valid, without properly considering nonperformance caused by these documented external events. 

Due to XXXX contractual requirements, I filed the same dispute with XXXX  XXXX XXXX using identical facts and documentation. XXXX  XXXX XXXX approved the dispute without issue, confirming that this charge qualifies as a valid dispute under standard banking practices. 

Capital One is reversing the {$590.00} temporary credit as of XX/XX/year>. 

I am requesting that Capital One reconsider this dispute, restore the credit, and apply fair dispute resolution standards. 

Here are some news article links regarding the hurricane : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Even though this account has been fully paid and the balance has been satisfied, it continues to display late payment remarks that are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: Global Lending Services LLC
State: NV

Complaint narrative:
I am writing to formally dispute one or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681.

Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report.

Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized.

At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately.

Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I am writing to formally dispute one or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681.

Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report.

Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized.

At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately.

Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am submitting this statement to clarify the situation regarding the closure of my U.S. Bank credit card account.

I never signed, agreed to, or authorized any debt settlement or debt relief program with any third-party company. I only contacted the company for an initial consultation and did not make any decision, sign any contract, or give permission for them to act on my behalf.

Without my authorization, the company appears to have taken action that resulted in my credit card account being closed by the credit grantor. I was not notified in advance that any such action would occur.

As soon as I discovered that my account had been closed, I immediately contacted the company by email and formally requested cancellation of any enrollment and removal of all my information. The company has since confirmed in writing that my enrollment was successfully canceled and that no further action would be taken.

At all times, my account was in good standing, with a current payment status, a XXXX  past-due balance, and no late payments.

I respectfully request that this matter be reviewed and that my credit report accurately reflect that the account closure was not due to any delinquency, misconduct, or authorized action on my part.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: DISCOVER BANK
State: NV

Complaint narrative:
I do not recognize the following unauthorized transactions. 

My phone was stolen at this time and needed to be replaced. 

I belive some one who I do not know made these transactions while I was replacing my phone. 

A transaction of {$120.00} at XXXX on XX/XX/year> A transaction of {$120.00} at XXXX on XX/XX/year>. 

A transaction of {$890.00} at XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
In accordance with fair credit report ACT ( FCRA ) the list accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account name : XXXX XXXX XXXX  # XXXX  XXXX has violated my rights, and according to the fair credit report act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 U.S.C. 1681i ( A ) ( 5 ), TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 U.S.C. 1681s-2 they are supposed not to 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. Under 15 U.S.C. 1681 B ( A ) ( 1 ) A. 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 response to consumer: Closed with non-monetary relief