vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Response to CFPB - Fair Resolution Request Dear Consumer Financial Protection Bureau, I am updating my complaint ( Case # XXXX ) regarding a {$1300.00} charge from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/year>, disputed on my Capital One XXXX XXXX  card ( account ending XXXX ). Capital One denied my claim again on XX/XX/year> ( Case # XXXX ), despite evidence of a scam. XXXX XXXX advertised an underarm treatment at XXXX XXXX  ( ~ {$19.00} ) but charged {$1300.00}, a XXXX overcharge. As a tourist unfamiliar with local practices, I paid believing it was the listed price. The treatment failed, worsening my wifes armpit sweating and odorIve uploaded videos and pictures showing her armpit still wet, with a smell so bad its noticeable up close. We paid for this service to improve her condition, not make it worse, yet it didnt work. I emailed for a refund on XX/XX/year>, with no reply, and they ignored my texts despite initially contacting me post-serviceclear signs of a scam. Evidence ( price photo, email, videos/pictures ) and their XXXX page, showing XXXX ads but $ XXXX charges, confirm a pattern targeting tourists. This affects more than memany travelers are vulnerable to such scams. Capital Ones denials suggest they protect scammers, not consumers, encouraging worse fraud. This violates FCBA 1026.13. A fair resolution would be : A full refund of {$1300.00} from Capital One, as the charge was unauthorized and the service failed. 
An immediate temporary credit while the investigation proceeds. 
Capital One to investigate and stop this scam, protecting other tourists misled by overcharges. 

The case is closed, preventing uploadsplease reopen or advise. Im fighting for myself, my wife, and others, hoping credit cards uphold our rights. Please forward this to Capital One and review the uploaded evidence. Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a second complaint against Experian regarding multiple unauthorized inquiries that appear on my credit report. I have not authorized these inquiries, nor did I initiate any credit applications with the listed companies. These inquiries were made without my knowledge or consent and are not supported by any permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ].

This complaint follows up on previous submissions to the CFPB : CFPB Complaint Nos. : XXXX, XXXX, XXXX I am requesting immediate removal of the following unauthorized inquiries and a detailed method of verification under FCRA 611 ( a ) ( 7 ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXXXXXX 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 These entries violate FCRA 611, which requires Experian to conduct a reasonable reinvestigation and delete unverifiable information within 30 days. I demand that Experian either : Provide documentation proving I authorized each inquiry, Or immediately remove any inquiry lacking such documentation.

If Experian continues to report these inquiries without verification, this will be considered a willful or negligent violation of FCRA 616 and 617, entitling me to potential damages and legal relief.

Please see the attached formal letter for full details of my dispute and request.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I. REQUEST FOR DOCUMENTATION Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and applicable federal law, I am formally requesting the following documentation to validate the alleged debt : Complete Chain of Title / Chain of Custody from the original creditor to XXXX XXXX XXXX, including all intermediate assignments. 

XXXX XXXX XXXX or equivalent agreement governing the sale or transfer of the account. 

Executed Contract of Assignment or Bill of Sale demonstrating that XXXX XXXX XXXX acquired full legal rights to enforce the account. 

XXXX Signed XXXX XXXX and full account-level documentation substantiating the amount and terms of the alleged obligation. 

XXXX XXXX or equivalent agreement establishing the authority of XXXX XXXX XXXX to collect on the account. 

XXXX. XXXX XXXX This demand is supported by Green v. XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX ( XXXX XXXX 2021 ), which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record is inadequate ; proper documentation of assignment and ownership is mandatory. 

XXXX. NOTICE OF POTENTIAL VIOLATIONS If the above documentation is not provided through this CFPB process and XXXX XXXX XXXX continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

You are further directed to cease all collection efforts, cease all direct communication, and cease all indirect communication, including reporting to any credit bureau, as such reporting constitutes a medium of communication under the FDCPA. 

IV. FINAL NOTICE AND INTENT Consider this letter my final notice. If full compliance with the law is not achieved, I intend to initiate litigation in federal court for all applicable claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have the reason to believe your company is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX of Birth XX/XX/1994 XXXX XXXX XXXX XXXX XXXX, TX XXXX Social XXXX Phone : XXXX XXXX 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 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/year> I attempted to make a purchase of a few dollars for some flowers on television by using the XXXX code that was provided. The transaction was declined then immediately I had received an email saying I was " Permanently RESTRICTED " from sending and receiving XXXX. I spoke with customer support online, phone and email attempting to resolve the issue Absolutely no information was given to me and I was told there was not even an appeal process. The purchase I attempted to make was less than {$20.00} when I have over XXXX in holdings on Robinhood. I was told I can only sell my crypto to get off of XXXX XXXX. Why would I do that when l 've had certain positions for several years? That is ludicrous! Completely ridiculous! I would take a big loss in my buy in positions! If I sold the XXXX then I'd be forced to buy back in at a higher price There's no appeal process so I can't even seek XXXX nor explain such. And I'm only mentioning that attempted purchase because it was rejected. I hold other stocks on XXXX XXXX but XXXX is the largest. I received no warnings, no alerts, was only told its for my protection. If it was for my protection, it would've simply been best to stop the transaction if something was wrong with the XXXX code. Or, place a XXXX not PERMANENT. Not LOCK my crypto on XXXX XXXX, disabling my access to handling my own money. How is that for my protection, or even beneficial the least? If anything it has hurt me financially as well as mentally. 
I did not attempt anything fraudulent nor make a known violation to agreement. I have always been in good and healthy standings since the creation of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus did not do as I asked. Im providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Inaccurate and Inconsistent Reporting of XXXX XXXX Account by TransUnion. 
Description of Complaint : I am submitting this complaint regarding inaccurate and inconsistent reporting of a XXXX XXXX account by TransUnion. 

Account in Dispute : Creditor : XXXX XXXX. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting this account with discrepancies compared to other credit bureaus, which constitutes a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). The specific discrepancies with TransUnion include ( but are not limited to ) : Date Opened reported as XX/XX/XXXX ( while Experian and Equifax show XX/XX/XXXX ). 
Last Reported date shows XX/XX/XXXX ( different from XXXX XXXX XXXX  ). 
Date of XXXX XXXX shows XX/XX/XXXX ( different from XXXX XXXX XXXX ). 
Date of XXXX XXXX shows XX/XX/XXXX ( different from XXXX XXXX XXXX ). 

Because this account is not being reported with maximum possible accuracy, and the information can not be verified as accurate and complete, I am exercising my rights under 15 U.S.C. 1681i ( 5 ) and formally requesting its immediate deletion from my TransUnion credit report. Given the impact this inaccurate information has on my creditworthiness, I would sincerely appreciate your prompt attention and action in addressing this matter.

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 2025-09-25 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.Off all my credit reports XXXX XXXXXXXX

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.Off all my credit reports XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by NAVIENT, account number XXXXXXXX XXXX XXXX XXXX XXXX on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report XXXX. 
I have already contacted the credit bureau and the furnisher, XXXX, to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 

Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint to dispute the false late payments reported by XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report1.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report XXXX. 
I have already contacted the credit bureau and the furnisher ( XXXX ) to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 
Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

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