vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
This complaint is a follow-up to my previous case : XXXX XXXXXXXX. 

XXXX Ones decision to forfeit my cashback rewards, without warning, without a proper explanation, and without offering any path to redeem them, is both deeply unfair and concerning as a consumer rights issue. 

These rewards were not a promotional bonus. They were earned through eligible purchases and should be treated as compensation already owed to me. Closing an account and using that as a pretext to wipe out earned value raises serious questions. 

The fact that Capital One can unilaterally close an account, then deny the consumer access to money already earned, creates a dangerous loophole. It opens the door for companies to identify users with large cashback balances, shut down their accounts without appeal, and retain the money for themselves. 

This is not just poor service. Its a practice that borders on deceptive and exploitative. XXXX asking that this matter be reopened and fully investigated, and that Capital One be held accountable for returning what is rightfully mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and XXXX XXXX, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX  Amount : {$920.00} XXXX XXXX ) XXXX XXXX AND XXXX XXXX XXXX {$1200.00} XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX INACCURATE ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XXXX XXXX XXXX XXXX, PA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX WITH XXXX PERMISSIBLE PURPOSE : 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 2025-08-05 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-05 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:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX Code XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX Code XXXX. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Chime Financial Inc
State: TX

Complaint narrative:
there was a XXXX XXXX  posted on my credit report. that i didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX 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. 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I made XXXX separate purchases from the same online merchant one using my personal credit card, and the other through Affirm. The merchant appeared to be selling clothing items they had created, but I later discovered they were actually stealing product photos from legitimate brands and advertising them as their own. They are not the actual sellers theyre using fake listings to lure people in. 

For the first purchase ( not through Affirm ), I contacted the merchant using the email on their website. I received no response, and when the package arrived, it was not what I ordered they sent me a broken, flimsy gold chain instead of the outfit shown. I filed a dispute with my credit card company, provided proof of the fraud, and the charge was reversed immediately. 

The XXXX order made through Affirm went even worse. I never received anything at all. I contacted the merchant again ( no response ), and when I went to check the site, it had already been taken down. There was never any tracking number, no confirmation of shipment, and no communication from the seller. 

I filed a dispute with Affirm, provided documentation of the merchants disappearance, and included proof that I had already been scammed by the same seller in a separate order. I even shared the tracking number from the fake chain and pointed out that this merchant was using stolen photos and shipping worthless random items to appear legitimate. 

Despite all of this, Affirm sided with the merchant, claiming they showed proof of delivery but there is no tracking number, no shipping record, and no delivery confirmation for this purchase. I filed a second dispute with even more detail, and Affirm again refused to take action. 

Ive now been charged for a product that was never shipped, from a merchant that is no longer online, using stolen images and false advertising. This is clear fraud. I am requesting that Affirm : Cancel the loan Stop any collections or credit reporting Confirm in writing that I am no longer responsible for this charge I have attached screenshots of my email attempts, the missing tracking, the now-defunct website, and the previous fraudulent package I received. Affirm has failed to protect me as a consumer and continues to support an obviously fraudulent seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX and Unauthorized Accounts I am submitting this complaint regarding Chase XXXX  failure to properly investigate and resolve multiple fraud-related issues on my account. 

Unauthorized credit card accounts were opened under the names XXXX XXXX and XXXX, none of which I authorized or applied for. Additionally, Chase has wrongfully denied multiple claims I submitted regarding unauthorized charges, including a specific transaction at XXXX for over {$100.00}, which I did not make or approve. 

Despite notifying Chase and requesting a proper investigation, the bank closed my claims without returning the unauthorized funds and without providing any meaningful explanation or supporting evidence for their determinations. It appears no thorough investigation was conducted. 

I do not have the specific claim numbers on hand at this time, but I am able to retrieve them promptly if needed. 

Thank you for your time and attention to this matter. 

XXXX XXXX I am able to provide attached dates and claim numbers when my work day is complete. If there is a way to request later or add to this request later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-06 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: CT

Complaint narrative:
I am requesting that the late payments reported for my XXXX  student loan account with XXXX be removed from my credit report. I have attached a letter from XXXX confirming that my account is now in good standing and current. However, late payments from XXXX, XXXX, and XXXX are still being reported. These late payments are negatively affecting my credit, even though my loan is no longer delinquent. 
XXXX asking for a fair resolutionto have the late payment history removed and for the credit report to reflect the current, accurate status of my account. 

Thank you for your time and help.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year>, I made XXXX payments to my Capital One Savor XXXX  totaling {$1000.00}. These payments were fully posted to my account by XX/XX/year>. 
On XX/XX/XXXX, I received a credit line increase denial letter stating the reason was " no recent payment history. '' This is factually inaccurate, as my payments had clearly posted before the denial decision. 

I contacted customer service and escalated to Supervisor XXXX ( ID : XXXX ), a XXXX Capital One XXXX  based in Florida. She informed me that due to " regulatory reasons, '' she could not explain the specific factors used in the denial. She further stated there was no manual review process, no way to submit documentation or explain extenuating circumstances, and no one I could speak with from underwriting or management. 

I requested the increase to reduce my credit utilization ratio, not for additional spending. The temporary spike in utilization was due to an unforeseen and unpreventable life happenstance. I was working to recover and improve my credit profile through responsible use and timely payments. The denial undermined that effort, despite my strong payment history and XXXX XXXX XXXX. 

I am requesting a manual review and reconsideration of my credit line increase request using accurate, up-to-date data. XXXX XXXX  lack of transparency and refusal to escalate the issue left me without any resolution path, which is why I am seeking help through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
I am submitting this complaint as a victim of identity theft and have already completed an FTC Identity Theft Report. Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I identified multiple collection accounts that do not belong to me and are being reported with serious inconsistencies. 

XXXX XXXX XXXX XXXX XXXX There are multiple entries across all three bureaus for the same original creditor, XXXX XXXX XXXX, but they are being reported under different account numbers, conflicting dates opened ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), and contradictory statuses ( open vs closed, different payment statuses ). This is highly inaccurate and misleading. 

XXXX XXXX XXXX Account This account is also showing discrepancies in balance ( {$700.00} vs {$930.00} ), and the bureaus disagree on the date of last activity and closed date. The account was reportedly charged off due to non-payment, but I never opened or authorized this account. It is a result of identity theft. 

XXXX XXXX This charge-off account reports different dates of last activity and statuses across all three bureaus. It was supposedly closed in XX/XX/XXXX, but payment activity and reporting dates do not match. I did not open this account and it was likely opened fraudulently. 

These accounts are severely damaging my credit and are being reported inaccurately, violating my rights under the FCRA. The inconsistencies between the bureaus, the duplications, and the unresolved disputes clearly indicate negligence in verification and reporting procedures.

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 2025-08-05 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: NJ

Complaint narrative:
I am submitting this complaint as a victim of identity theft and have already completed an FTC Identity Theft Report. Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I identified multiple collection accounts that do not belong to me and are being reported with serious inconsistencies. 

XXXX XXXX XXXX XXXX XXXX There are multiple entries across all three bureaus for the same original creditor, XXXX XXXX XXXX, but they are being reported under different account numbers, conflicting dates opened ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), and contradictory statuses ( open vs closed, different payment statuses ). This is highly inaccurate and misleading. 

XXXX XXXX XXXX Account This account is also showing discrepancies in balance ( {$700.00} vs {$930.00} ), and the bureaus disagree on the date of last activity and closed date. The account was reportedly charged off due to non-payment, but I never opened or authorized this account. It is a result of identity theft. 

XXXX XXXX This charge-off account reports different dates of last activity and statuses across all three bureaus. It was supposedly closed in XX/XX/XXXX, but payment activity and reporting dates do not match. I did not open this account and it was likely opened fraudulently. 

These accounts are severely damaging my credit and are being reported inaccurately, violating my rights under the FCRA. The inconsistencies between the bureaus, the duplications, and the unresolved disputes clearly indicate negligence in verification and reporting procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX, VA XXXX RE : Request for XXXX XXXX XXXX XXXX XXXX Compliance-Notice to Cease Reporting Until Validation is Complete Dear XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. 
I am formally requesting for validation of alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX and requesting that you immediately cease all collection efforts and reporting to any agencies until this debt has been properly validated. 
Additionally, I am requesting your agency demonstrate XXXX XXXX Compliance as outlined in the FCRA ( Fair Credit Reporting Act ) and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, under XXXX XXXX reporting standards, the information furnished must be : -Accurate -Complete -Verified As part of this request, please provide all the following documentation : XXXX. The original signed contract of agreement bearing my signature for the alleged debt. 
XXXX. A complete accounting and itemization of the debt, including interest, fees, and explanation of how the amount was calculated. 
XXXX. Proof of legal documentation, of this debt ( e.g. Chain of Assignment from original creditor to current collector ). 
XXXX Name and address of the original creditor, along with the original account number. 
XXXX. A copy of the notice of debt sent to me, as required by XXXX XXXX. XXXX ( a ). 
XXXX. Proof of XXXX with XXXX XXXX guidelines and accurate coding using the appropriate XXXX XXXX Codes ( XXXX  ), especially if this debt is disputed ( XXXX XXXX XXXX XXXX for disputed debts ). 
Until all of the requested documentation is provided and this debt is properly validated. 
You are required by XXXX XXXX. Section XXXX ( b ) to cease collection activity. 
You must cease and desist all reporting to consumer reporting agencies or update the account to reflect its is " disputed '' using the appropriated XXXX XXXX XXXX. 
Failure to comply will result in a compliant filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX 's Attorney General 's Office of the Illinois Attorney General XXXX XXXX. 
This letter serves as notice of dispute under FCRA XXXX XXXX XXXX XXXX XXXX ( a ). Please, ensure that your records reflect that this debt is being disputed until resolved. 
Thank you for your immediate attention to this matter. I look forward to your prompt and complete response within the XXXX  day time from by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief