vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter from capital one in the mail requesting a government ID to secure a credit card. I have never inquired about a credit card through capital one. There support team said a application was started XX/XX/year> and a hard inquiry showed on my credit report. This was not me I dont know how it happened. Capital one canceled the application and I have called all three credit bureaus to freeze my credit and report a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-02 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: CT

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 mental anguish 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 2025-06-02 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:
Its been incredibly upsetting to discover that Ive been a victim of identity theft. My personal information was misused, and as a result, unauthorized accounts and activity have appeared on my credit reportnone of which I recognize or had any involvement with. I took immediate action after speaking with TransUnion, including filing a report with the FTC and submitting it as instructed. I expected a swift resolution, but the fraudulent items are still there. This ongoing issue is frustrating and deeply concerning, especially considering the damage it could continue to cause to my credit and financial 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Triton Recovery Group
State: CA

Complaint narrative:
I already have an active complaint filed with the CFPB against Triton Recovery Group regarding their conduct related to an XXXX dispute. 

Since filing that complaint, Triton Recoverys behavior has further escalated : 1. After receiving my cease and desist letter, they made three additional phone calls to me. In one of those calls, their agent stated that they are not subject to cease and desist and that they will continue contacting me until they collect. 
2. They sent an email impersonating XXXX, using XXXX branding in a deceptive attempt to suggest that XXXX is involved with this debt ( which is false ). I am attaching a copy of that email to this follow-up complaint. 
3. They have now sent two collection letters to a nonprofit organization where I volunteer ( unpaid ) and which has no business relationship to this matter whatsoever. I am also attaching those two letters to this complaint. 

These are clear violations of the FDCPA, including : Continuing contact after a cease and desist Third-party contact harassment Deceptive practices ( impersonating XXXX ) I am submitting this as a follow-up complaint to supplement my existing CFPB case, because these new actions by Triton Recovery have occurred since the filing of my initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have been trying to resolve a dispute with my Apple Card account since 2023, and it has been mishandled multiple times despite my repeated attempts to submit the necessary documentation. 

In my first dispute, Apple Card reversed the charge but later stated they couldnt open the files I submitted. 

In my second attempt, they claimed they never received any supporting documentation at all. 

Most recently, in a third & fourth attempt, I submitted extensive documentation via mail, email, and the in-app chat, including photos, videos, screenshots, and a XXXX  file compiling everything. They again stated they did not receive the documents or that the files were too large to open. 

I later spoke with a specialist who told me they only received some images and no other documentation despite clear proof on my end that everything had been sent.

At no point in any of these interactions was I ever advised about file size limits or proper methods to ensure documents were received and reviewed. Each time, I was left without resolution and no acknowledgment of the evidence I provided.

After researching, I discovered the recent CFPB enforcement against XXXX and Goldman Sachs for mishandling Apple Card disputes, and realized my experience mirrors the issues outlined in the settlement.

I have documentation showing my repeated efforts and would be happy to provide it as part of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been the victim of data breach through XXXX XXXX and identity theft. FTC reference number is : XXXX I am also writing to dispute and formally request correction of the inaccurate reporting of the above-referenced account with XXXX XXXX XXXX XXXX Account XXXX XXXX on my credit report. 
This account was charged off and later settled/paid in full. I requested a 1099 and have yet to receive it. However, it is also currently misclassified and being reported as an active collection account. This is both inaccurate and misleading.

According to the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 602 ( A ) which mandates the accuracy and fairness of credit reporting Section 607 ( b ) which prohibits furnishing information known to be inaccurate Section 611 which provides the right to dispute inaccurate or incomplete information and requires reinvestigation by credit bureaus Section 623 ( a ) ( 1 ) ( A ) which holds furnishers accountable for reporting accurate information Section 623 ( b ) which requires furnishers to investigate disputed information thoroughly the current classification of this account violates federal law against me.

If the data furnisher can not validate this reporting in full compliance with XXXX XXXX standards and the FCRA, the item must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I just came across a credit inquiry from a company Ive never dealt with and let me be clear : I never gave them permission to pull my credit. I didnt apply for anything with them, I didnt authorize anything, and I had no interaction with them whatsoever.

This is an unauthorized and fraudulent inquiry, and Im demanding that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: CA

Complaint narrative:
b'Date XXXX\nAmount: XXXX\nAmount: XXXX\nFraudulently unauthorized; \nSimultaneously Debited from Checking account:\n\nFor banking  account\nFinancial Institution:  XXXX XXXX XXXX/ Netspend\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX  S.D. XXXX\nPhone:XXXX XXXX XXXX/ XXXX XXXX XXXX\n\nMerchant{s}/ Companies unauthorized debit:\nXXXX XXXX XXXX:\nFinancial Institution: XXXX XXXX XXXX\nPhone: XXXX XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX  Oh. XXXX\n\n Address: XXXX XXXX XXXX XXXX XXXX Ca .XXXX\nPhone:XXXX XXXX XXXX\nXXXX XXXX\n\nThe account activity on, XXXX debited transaction{s}\nReceived fraud alert on text alert.\nResponded immediately: Confirmed did not submit transaction from account.\n\nContacted Bank: Requested to immediately close Debit/ Bank card. Requested to report fraud/ unauthorized activities compromised bank account.\n\nContacted Fraud/ Security Department of Financial Institution: XXXX.\nSubmitted report/ dispute on Fraudulent/ unauthorized transactions.\n\nI myself, Do not have any membership/ subscription/ account{s} with; \nXXXX XXXX.\nXXXX XXXX\nXXXX Product{s}\nService{s}'

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I initiated a stock sale through XXXX XXXX. Sale proceeds of {$5200.00} were to be distributed via wire transfer to my bank, USAA Federal Savings Bank. When the transfer was initiated, XXXX provided my account number, routing number, name and home address matching my USAA checking account to USAA. 
The wire transfer never hit my account. XXXX days later on XX/XX/XXXX I contacted XXXX and verified the information. It was discovered that a XXXX  was omitted from my account number when the transfer was initiated. XXXX told me that they were able to " recall '' the wire and the funds should be available to me in my XXXX account within XXXX business days. 
After XXXX business days, I did not have the funds so I contacted XXXX and at that time on XX/XX/XXXX I was informed by XXXX that USAA would not release the funds because they actually were wired into someone elses account and that person had not " released '' the funds, despite apparent requests by USAA. 
There were multiple identifying pieces of information provided with the wire to identify me as the intended recipient. USAA needs to recover my funds from the incorrect account and send them back to XXXX for redistribution. 
Obviously the unintended recipient of my wire is not going to just release free money and USAA expecting them to agree to this is ludicrous.

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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
PAYOFF OF {$11000.00} WAS MADE ON XX/XX/XXXX AGAINT ONLINE PAYOFF QUOTE PROVIDED BY THE LOAN COMPANY. THIS QUOTE WAS GOOD TILL XX/XX/XXXXXXXX THIS PAYOFF LEGALLY PAID OFF MY ACCOUNT IN FULL. 

I CALLED TO FIND OUT THE RELEASE OF TITLE OF MY AUTO, HOWEVER I WAS INFORMED THAT {$11000.00} WAS NOT ENOUGH TO PAYOFF AND {$53.00} REMAINS. 

I CHECKED ONLINE ACTIVITY OF MY ACCOUNT. I FOUND OUT THAT THE FINANCE COMPANY HANDLES THE PAYOFF AMOUNTS INCORRECTLY. THIS PRACTICE MIGHT HAVE HURT MILLIONS LIKE ME. THIS DEMANDS AN INVESTIGATION. 

IN MY CASE THE PROCESS OF PAYMENT WAS DELAYED TILL XX/XX/XXXX ( INSTALLMENT DUE DATE ). ON XX/XX/XXXXXXXX  THE PAYMENT WHICH I MADE ON XX/XX/XXXX WAS SPLIT INTO TWO PARTS ( XXXX MONTHLY PAYMENT + XXXX PRINCIPLE ) RESULTING IN UNPAID BALANCE OF {$53.00}. 

THE COMPANY SHOULD HAVE CREDITED {$11000.00} ON XX/XX/XXXX. THUS THE TRANSACTION OF XX/XX/XXXX FOR {$640.00} SHOULD NOT HAVE OCCURED WHICH CREATED A FRADULENT BALANCE OF {$53.00} FOR FINANCE COMPANY. 

I REQUEST YOUR GOOD OFFICE TO INVESTIGATE THIS PRACTICE THOROUGHLY. I SUSPECT THIS PRACTICE MIGHT HAVE COSTED CONSUMERS IN MILLIONS OF DOLLARS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I am disputing inaccurate and misleading delinquency and charge-off dates being reported by TransUnion on three separate accounts. These errors affect how long these derogatory items remain on my credit report and may violate the Fair Credit Reporting Acts 7-year limit on negative reporting. 

XXXX. XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX TransUnion lists a drop-off date of XX/XX/XXXX but also reports that the last payment was XX/XX/XXXX and the account closed on XX/XX/XXXX. 
There is no payment history showing a delinquency in XXXX, yet this is the only way the reported drop-off date would make sense.

The account was in good standing through late XXXX, so the Date of First Delinquency ( DOFD ) should be no earlier than XX/XX/XXXX, which means the correct drop-off date should be XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX The account shows a charge-off in XX/XX/XXXX, but TransUnion also reports the last payment as XX/XX/XXXX and the account was closed XX/XX/XXXX. 
A charge-off can not occur over a year before the final payment. This is a clear factual error and may be an unlawful re-aging of the debt.

The correct charge-off/DOFD should be early XXXX, with a removal date no later than XX/XX/XXXX. 

XXXX. XXXX Acct # : XXXX XXXX XXXX TransUnion lists the last payment as XX/XX/XXXX but reports the drop-off as XX/XX/XXXX, implying a first delinquency around XX/XX/XXXX or earlier. 
The accounts Date Closed is listed as XX/XX/XXXX, which is just weeks after the final payment making it unlikely the DOFD occurred in XXXX. 
The account also shows new balance updates as of XXXX, despite being closed in XXXX. This may unfairly suppress my credit score and make it appear more recent than it is.

I am requesting that TransUnion : Accurately verify and correct the Date of First Delinquency for these accounts, Ensure that each account is removed no later than 7 years after the actual DOFD, per FCRA Section 605 ( c ), and Stop reporting conflicting charge-off timelines and/or artificially extending derogatory account lifespans. If TransUnion is unable to verify the accurate DOFDs for any of these accounts, I request that the affected accounts be removed entirely from my credit report.

I will attach screenshots below that are directly from my TransUnion report which was taken from the website today XX/XX/XXXX. These screenshots show the conflicts described above, including account details, payment dates, charge-off notations, and estimated removal dates. 

Screenshots Guide : 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