vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roadrunner Account Services, LLC
State: IL

Complaint narrative:
I am trying to request a 1099C form from roadrunner financial, but they have not sent it to me for the charge off/loss amount of {$5500.00} but no one will return the message or or send me the 1099C form and also the amount old shows XXXX different amounts which is also inaccurate on XXXX XXXX and XXXX  it shows I owe {$5500.00} and on XXXX  it shows I owe {$5200.00} these show different amounts, which is also inaccurate and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
I am requesting Equifax to conduct a proper and lawful reinvestigation of the following accounts that appear inaccurate, incomplete, and/or unverifiable. The information being reported does not reflect accurate data and is harming my creditworthiness. I am requesting full validation and correction or removal if Equifax can not verify the accuracy. 

Charged-Off Accounts in Dispute : Account Name Account Number Date Opened Balance XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-10 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:
I am submitting this dispute statement regarding the following charged-off accounts, inquiries, and late payments that appear on my credit report. I request a thorough investigation of these accounts to ensure they are accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} Inquiries : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment : XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-11-10 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: MN

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-10 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: PA

Complaint narrative:
I am filing this complaint because my Equifax credit report contains multiple accounts that are being reported inaccurately or can not be verified. I have disputed these items directly with Equifax, but they remain uncorrected. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure Equifax conducts a proper reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ). 

The following accounts are in dispute : XXXX, Account # XXXX Reported charged off XX/XX/XXXX XXXX, Account # XXXX Reported charged off XX/XX/XXXX XXXX, Account # XXXX Reported charged off XX/XX/XXXX XXXX XXXX, Account # XXXX Reported charged off XX/XX/XXXX, Balance {$1800.00} XXXX XXXX, Account # XXXX XXXX XXXX off XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am submitting this dispute to request the removal of inaccurate and incomplete information from my Equifax credit report. The following accounts are being disputed : Charged Off Accounts : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XXXXXX/XX/year>, Balance : {$620.00} Inquiries : ( Empty ) Positive Accounts : ( Empty ) Late Payments : XXXX, Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
SUBJECT : FCRA VIOLATION TRANSUNION IGNORED REFUSAL TO VERIFY TITLE XXXX XXXX  I submitted a dispute to TransUnion regarding the XXXX XXXX XXXX ( Ref. XXXX XXXXXXXX ) account and attached the official XXXX response to the CFPB ( document attached ) as evidence.

TransUnion violated the Fair Credit Reporting Act ( FCRA ) by completing its investigation with the result " VERIFIED AND UPDATED '' ( proof attached ) and ignoring key evidence : XXXX. Admission of Purchase and Refusal to Verify Title : The official XXXX response admits on Page XXXX that XXXX XXXX XXXX purchased the account. This admission legally necessitates the provision of the Chain of Title to prove legal ownership. 
XXXX. Explicit Refusal on Key Pages : XXXX refuses to provide the Bill of Sale or the specific Sale Annex in their official response. Nowhere on Pages XXXX or XXXX is the required title documentation provided. Instead, they use that space for debt collection warnings and disclaimers. 
XXXX. Failure of Investigation : An investigation that ignores the debt buyer 's own admission of purchase and subsequent intentional omission of the Bill of Sale constitutes a failure to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

I demand the immediate and permanent deletion of the XXXX  XXXX  account from my credit report due to TransUnion 's failure to conduct a reasonable investigation that addresses this refusal of verification.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am filing this report regarding two closed accounts I held with Capital One Bank. 

My checking account ending in XXXX was closed on XX/XX/year>, and my savings account ending in XXXX was closed on XX/XX/year>. 

A few days after the closures, Capital One informed me that I would receive two checks containing the remaining balances from both accounts approximately {$4300.00} from the checking account and {$2500.00} from the savings account. 

I never received either of those checks. After waiting for a reasonable period, I contacted Capital Ones customer service and later visited a branch in person to report that the checks had not arrived. 

During those communications, the bank representatives told me that both checks had already been cashed by someone else. I was shocked to learn this because I never received, endorsed, or authorized anyone to cash those checks. 

When I asked the bank for help, they told me that there was nothing they could do and that I had to investigate the matter on my own. They refused to provide me with copies of the checks or details of where and how they were cashed. 

I believe this situation represents a case of fraud and identity theft, as someone appears to have illegally intercepted and cashed my checks. I am requesting that Capital One reopen the investigation, provide copies of the cashed checks, and reimburse my lost funds. 

I am attaching all relevant account details and communication notes related to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MD

Complaint narrative:
After beginning my federal career in the early XXXX, I opened my Discover Card account in XXXX. For XXXX  years, I remained a loyal customer until today, when I finally decided to close my account. 

The decline in Discovers customer service didnt start today ; it began about a decade ago. Around XXXX years back, I requested a credit limit increase, and the agent, after a brief glance at my name, flatly denied it without consideration or explanation. That was my first glimpse of how Discovers customer service had shifted from supportive to dismissive and prejudiced.

Todays experience confirmed that nothing has changed. I called to request that late fees and interest charges be waived for a single missed payment a payment I missed only because I was furloughed. The representative, ID XXXX, rejected my request immediately, without any empathy or willingness to help. 

After decades of loyalty, I expected basic courtesy and understanding. Instead, I was met with indifference and cold professionalism that perfectly reflects how Discover now treats long-term customers. 

XXXX years ago, when Discover turned me down for that credit increase, I opened an XXXX XXXX card and Ive never regretted it. Now, as I cut ties with Discover after 34 years, I feel nothing but relief. 

Thank you, Discover, for reminding me through your poor, heartless customer service that loyalty means nothing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts that I believe to be incorrect, and I request your assistance in investigating and correcting them. 
Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Late Payment : Equifax ( XXXX ) XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Over the 30 day period that's required to validate a debt, the company XXXX XXXX XXXXXXXX, Spring Oak Capital, And XXXX XXXX XXXX, Fail to do so within that time period. They have violated my rights and under law 15 U.S.C 1681 I have the right to request proof of validation of the debt. They have failed to do so. Im requesting the removal of these companies off of my XXXX  And XXXX  report immediately. As it is affecting my credibility to receive credit from other companies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/year>, I had a beginning bank account balance of {$2.00}. 

On that day, I stepped in their branch on XXXX XXXX and XXXX and asked to deposit a cashiers check. The XXXX informed me that the cashiers check could be cashed and he would have to deposit the money into my checking account but that it would be available for my use immediately with no holds. I then spent money that was listed in my account as available balance, which was {$4100.00}. After all of my transactions posted without overdraft fees, I spent a total of {$4100.00}. This means I NEVER over spent my available balance. However, now Comerica is stating that their new policy is that they will not reverse any overdraft fees any longer. I believe this reversal is required because it was due to bank misinformation or bank error. Please contact them immediately to correct this error and refund the three overdraft fees of {$34.00} each ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing concerning my recent experience with Capital One Bank. 

I went online to Capitalone.com and utilized the prequalification tool on XX/XX/year> and was approved for the XXXX card. I applied for the card and was instantly approved. I received my account number and set up my online account. 

I began to track the status of my account and when logging on, it stated that the card was being printed and mailed. I checked today and the account stated closed. I called customer service to inquire about the reasoning behind why my account was closed. I was informed that it was a business decision from the back office. I escalated the matter to a manager and received the same response.

I am extremely dissatisfied in the level of customer service I have been given. I applied for the card, received a hard inquiry on my credit profile as a result, got approved for the card, account was opened, only for the account to be closed before even receiving the card. I am asking for reconsideration in the closure of the account that has not even been utilized at this point. 

I would appreciate any additional assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Occurred on XX/XX/scrub>XXXX  through Zelle. A scam representative requested multiple transactions be sent to get my Zelle account to receive/send money to businesses or regular accts without funds being held. Acct involved was to a XXXXXXXX XXXX XXXX email XXXX  phone number XXXX in the amounts of {$270.00} XXXX. XXXX, {$270.00} XXXX XXXX XXXX {$400.00}. XXXX. XXXX, {$100.00} XXXX. XXXX Was told these were shift transactions that wouldnt go against my bank account and would set my Zelle account and be immediately returned to my account. It was all a lie and scam. My bank wont help since it was through Zelle and Zelle accepts no responsibility. This money is urgently needed back to pay on my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
From XXXX someone fraudulently used my CapitalOne card to make {$690.00} in purchases in the DC area XXXX The majority of the transactions were at restaurants and bars in the area. During the time the bulk of the transactions were made, I was across the country for a wedding in XXXX XXXX, CA ( XXXX ). I uploaded documents to CapitalOne showing I was not in the area, and they claim I am still responsible for the charges because the chip was presented at the time of the transaction. I am not sure how they got my card, whether it was an old version with the same number, or how they did it. I am certain the I did not make any of the transactions. XXXX from the fraud dept just told me that they will not reopen the investigation despite my requests, because the result would be the same. 

I repeatedly and politely requested the investigation be reopened but was told it would be futile.

Company response to consumer: Closed with explanation