vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

2. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

3. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> transferred XXXX from Capital One to XXXX and it never ariived. XXXX advised to file a claim with Capital One. I called Capital One and filed a claim with no response or credit. I want to know where my XXXX XXXX DOLLARS ARE. Im giving you 5 business days to credit my funds or hiring an attorney. XXXX and Capital One can pick up the attorney fees. 

Im now on the XXXX day with NO FUNDS CREDITED TO NEITHER ACCOUNT Capital One Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email: XXXX\nXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject:\nComplaint Against Roach & Murtha, P.C. To Whom It May Concern, I am writing to file a formal\ncomplaint against Roach & Murtha, P.C. regarding their handling of my payment settlement account.\nDespite my consistent efforts to maintain my payment agreement and provide proof of payment, the\nfirm continues to assert that I am in default. I have sent Roach & Murtha, P.C. updated receipts\nshowing my XXXX XXXX XXXX payment receipts.  I have since set up with\n XXXX XXXX XXXX XXXX automatic monthly payment plan, although they said I could not. The stipulation says that if I default I would then owe the original XXXX  instead of the settled amount of XXXX I currently owe XXXX  The office has called on several occasions and said you missed your payment, I then email a copy of my receipt and they then dont say anything. I get a default judgement letter on a regular basis. I have a court date for XXXX This will be my 3rd month in a row going down to court. I show my receipt (s) everytime. This case has gone on since XXXX. Now pending a court date I received another letter stating Im in default.\nthis, the firm continues to claim that I am in default for August. When I called to clarify and provide\nconfirmation of my payments, I was spoken to in an unprofessional and hostile manner. A person by the Name of XXXX XXXX answered the phone. I said my name and asked why I was receiving another default letter. He raised his voice, refused to discuss the issue further, and abruptly hung up on me. This\nbehavior is unacceptable and does not reflect fair or professional debt collection practices. Additionally,\nthere is a court date scheduled for XXXX XXXX regarding this matter. I am requesting your assistance\nin reviewing this situation and investigating Roach & Murtha, P.C.s actions. I am willing to provide\ndocumentation, including payment receipts and correspondence, upon request. Thank you for your\nattention to this matter. I appreciate your help in ensuring fair treatment and resolution. Sincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Marble Law Firm to assist me in my XXXX Divorce/Family Law case. On XX/XX/XXXX, I talked to an attorney who agreed to take my case. In addition, I signed a XXXX XXXX XXXX XXXX with a service fee {$3300.00}. I was also approved for a loan in the amount of {$3500.00} from Concora Credit through XXXX XXXX which I did not use. 
On XX/XX/XXXX, I signed a Marble Agreement Updated which states, This Marble Agreement Update ( " Update '' ) amends the Marble Agreement between ( " Client '' or " you '' ), Marble PC dba Marble, PC ( " Marble '' ) and Co-Counsel dated XX/XX/XXXX ( " Marble Agreement '' ). The Fee for the Services under the XXXX XXXX as amended by this Update will be increased by {$3600.00}. 
I paid {$3600.00} out-of-pocket using my debit card in order for the attorney to started on my case. 
On XX/XX/XXXX, I cancelled service. 
On XX/XX/XXXX, I signed another Marble Agreement Update, which stated, This Marble Agreement Update ( " Update '' ) amends the Marble Agreement between ( " Client '' or " you '' ), Marble PC dba Marble, PC ( " Marble '' ) and Co-Counsel dated XXXX XXXX, XXXX ( " Marble Agreement '' ). The Fee for the Services under the XXXX XXXX as amended by the Update will be reduced by {$2600.00}. 
On XX/XX/XXXX, Marble Law credited Concora Credit my signed Marble Agreement Update reduced fee of {$2600.00} which was supposed to have been credited back to my debit card. 
Concora Credit emailed and mailed me statements that I owe {$1200.00} for charges or purchases that I never made or authorized. I filed a dispute and requested a refund with Concora Credit who denied my dispute and refund by providing me a copy of the XXXX XXXX Family Law Marble Agreement with a service fee {$3300.00} which was longer valid due to the XX/XX/XXXX Marble Agreement Update that I paid out of pocket. Concora Credit sent my account to a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
Summary of Complaint : I am submitting this complaint due to multiple creditors and credit reporting agencies failing to accurately and consistently report account information, despite prior disputes. The following creditors continue to report charge-offs, incorrect payment histories, and false dates of activity even though the accounts have been paid, settled, or closed with {$0.00} balances : XXXX. XXXXXXXX XXXX XXXX XXXX charge-off with {$0.00} balance, but Experian continues to show repeated CO codes months after closure. 


XXXX. XXXX XXXX XXXX XXXX Bank Equifax reflects late payments inconsistent with other bureaus and shows ongoing charge-off status on an account closed in XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX  Account shows charge-off history after full payment ; inconsistent between Experian ( CO ) and Equifax ( OK ). 


XXXX. XXXX XXXX XXXX  Experian reports disputed under FCRA but continues updating as charge-off monthly, creating re-aging. 


XXXX. XXXX XXXX XXXX XXXX  Reports as charged-off with no XXXXday lates, inconsistent with other bureaus OK statuses. 


XXXX. XXXX XXXX Experian reports CO history despite Equifax and TransUnion showing OK payments for the same time period. 


XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account transferred years ago, yet Experian still lists as charge-off with activity in XXXX, misrepresenting age and status. 



Each of these inaccuracies directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & 1681i ), which requires furnishers to report data accurately and credit bureaus to conduct reasonable investigations upon dispute.

-- - Prior Actions Taken : I have sent formal dispute and verification requests to TransUnion, Experian, and Equifax.

Several accounts were verified without investigation or correction, and others show conflicting data across bureaus.

Inaccurate charge-off codes continue updating each month, which damages my credit profile and falsely lowers my scores.

-- - Requested Resolution : I respectfully request that the CFPB intervene to ensure the following corrective actions are taken : 1. A full reinvestigation of each listed account by all three credit bureaus ; 2. Permanent deletion of any accounts verified with conflicting or unverifiable data ; 3. Written confirmation of compliance and corrective action under FCRA 611 ( a ) ( 5 ) ( A ).

These inaccurate charge-off updates are suppressing my credit scores and harming my ability to refinance my auto loan or obtain reasonable credit terms.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Formal Dispute Regarding Inaccurate Information on Credit Report I am writing to formally dispute information that is being reported on my credit file related to an account listed as Capital One Via Dealer. Upon reviewing my credit report, I discovered that this account is inaccurately showing as unpaid or with a balance, even though the account has been fully paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NC

Complaint narrative:
{$160.00}. XXXX XX/XX/XXXX I disputed the charges when I got my phone back from police and they said no fraudulent activity was found they didn't even do an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
To Whom It May Concern : I am writing to report that my personal and financial information associated with my federal student-loan records appears to have been accessed or disclosed without my authorization. This constitutes a potential violation of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Privacy Act of 1974, 5 U.S.C. 552a, which require the Department of Education and its servicers to safeguard personally identifiable information contained in education records.

Because this breach may have exposed sensitive personal and financial data, I request that the Department : Conduct an immediate investigation under FERPA and the Privacy Act to determine whether my information was improperly accessed, shared, or stored. 

Provide me with a written accounting of any disclosures of my data and identify the entities or individuals involved. 

Implement corrective actions to prevent further unauthorized access, including notifying any affected borrowers. 

Review whether the breach has compromised the integrity of my loan records and consider appropriate administrative remedies, including but not limited to credit correction, data removal, or other relief allowed under existing federal authority. 

I appreciate your prompt written acknowledgment of this complaint and a report of findings once your investigation concludes. 

Sincerely, 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 2025-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to report that my personal and financial information associated with my federal student-loan records appears to have been accessed or disclosed without my authorization. This constitutes a potential violation of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Privacy Act of 1974, 5 U.S.C. 552a, which require the Department of Education and its servicers to safeguard personally identifiable information contained in education records.

Because this breach may have exposed sensitive personal and financial data, I request that the Department : Conduct an immediate investigation under FERPA and the Privacy Act to determine whether my information was improperly accessed, shared, or stored. 

Provide me with a written accounting of any disclosures of my data and identify the entities or individuals involved. 

Implement corrective actions to prevent further unauthorized access, including notifying any affected borrowers. 

Review whether the breach has compromised the integrity of my loan records and consider appropriate administrative remedies, including but not limited to credit correction, data removal, or other relief allowed under existing federal authority. 

I appreciate your prompt written acknowledgment of this complaint and a report of findings once your investigation concludes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
The XXXX  XXXX XXXX account reported as a charge-off for {$4300.00} is being disputed for inaccurate and incomplete reporting. I have not been provided a Form 1099-C or any written evidence verifying that this account was legally charged off or canceled. Under the Fair Credit Reporting Act, furnishers of information must ensure accuracy and maintain supporting documentation. I am requesting full verification and proof of the 1099-C filing, or that the account be promptly removed if the information can not be substantiated.

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 2025-11-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The XXXX  XXXX XXXX account reported as a charge-off for {$4300.00} is being disputed for inaccurate and incomplete reporting. I have not been provided a Form 1099-C or any written evidence verifying that this account was legally charged off or canceled. Under the Fair Credit Reporting Act, furnishers of information must ensure accuracy and maintain supporting documentation. I am requesting full verification and proof of the 1099-C filing, or that the account be promptly removed if the information can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/year> I went to Lake Michigan Credit Union to get some documents notarized and to get information on a negotiable instrument. The XXXX had no idea what I was talking about so she asked for my permission to transmit the instrument along with my authenticated identification to her managers. I agree, and she let me know that she would get back with me as soon as possible. XX/XX/XXXX I returned to get more documents notarized and to check on the status of the instrument. When asked about the instrument the branch XXXX said we don't do that Sovereign citizen stuff and I explained to her that I am not a sovereign citizen, I explained to her with a sovereign citizen is, it is an oxymoron she stated that she didn't not want to notarize my documents because her name was on the instrument that she transmitted to her XXXX. I let her know that she is not notarizing what's on the paper just verifying who I am as a person she told me that she contacted her managers and they told her that she did not have to notarize my documents I ask her who said that she said the name quietly I asked her again she refused to say the name and just told me to call the retail department at XXXX. She told me that she is not going to notarize my documents and to leave. I left and on the way home I called the corporate office and I spoke to male told him a situation he said that's not good I'll have someone get back with you no one ever did. I called the corporate office again and the exact same situation, they said they were going to have someone call me back since it's such a messed up situation but no one ever did. I eventually got a call from a lady named XXXX and we spoke for a minute and she also said she was going to call me back but she never did.

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 2025-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I went to Citibank to wire transfer fund to a Title closing company as an escrew deposit to buy the house that been saving for 10 years.

The banker informed me the bank decide to close my accounts and end the relationship with me, no explination, no worrning, no previous worrning letter, just sudden close on my saving and checking accounts preventing me from any online access of my funds.

I been customer 15 years with this bank and what they did to me is unfair. I saved all my hard earned money, i sold my Condo my main resident i sold my gold, i sold all my valuabels and saved in this account for the dream to buy me a house and now i can't even have access of my money. I am a XXXX XXXX  that pay federal tax, property tax, i work full time job i saved for my house and i have documentations of every doller i earned and saved in Citibank, i can't understand how a bank employee from XXXX or the XXXX decide to close my accounts and block me from getting my money in this hard time while i am buying a house???? I need my money back so i can live and buy a house. 


Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On Home Depot credit card website for cardholders, the last name entry is limited to XXXX characters. In my case I need XXXX. Customer service has been contacted several but nothing has been done Whenever a person changes any personal information this information is required and has resulted in Home Depot issuing cards missing a letter of my name. It has also resulted in credit card offers from other companies with my name misspelled. 
This needs to be corrected.

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 2025-11-01 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: MD

Complaint narrative:
Under the FCRA section 611 I have the right to dispute any information or accounts that I have no knowledge of or do not recognize I did not authorize these hard inquiries on my credit report I was not applying for any credit please remove all these hard inquiries off my credit report immediately

Company response to consumer: Closed with explanation