vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AZ

Complaint narrative:
I'm writing to you because I'm facing a very stressful situation. Several collection agencies are demanding money from me for a debt I've never heard of. 
What's more, each agency gives me a different amount and address, and I don't understand where it's coming from. I've never had an account or signed a contract with the creditor they mention. Despite my inquiries, I haven't received any clear proof or valid documentation to justify this debt. 
I fear this is a mistake or perhaps even identity theft. Meanwhile, these agencies are causing me a lot of XXXX 
I ask you to please. 
verify the legitimacy of this debt. XXXXXXXX XXXX XXXX XXXX total XXXX acount number XXXX original creditoXXXX XXXX action take collection. Equifax, TransUniom XXXX  and XXXX XXXX debt collection total XXXX ask the agencies to stop collection efforts until they have proven that the debt belongs to me. 
help me correct any false information that may have been transmitted to my credit report like this collection that leaves me with no sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As of XX/XX/XXXX, I owed XXXX XXXX ( AE ) {$4200.00}. I got on a payment plan in XXXX of XXXX. The payment plan was {$290.00} per month. I made every of my $ XXXX payments on time from XX/XX/XXXX to XXXX of XXXX, that is, I paid $ XXXX x XXXX XXXX {$3500.00} in XXXX year per the agreement between XXXX  and I. In XXXX of XXXX, I owed XXXX  {$1900.00}, and my minimum payment jumped up to a staggering {$1100.00}. I contacted XXXX  and informed them that I had just completed our $ XXXX payment plan. I asked XXXX  why they thought I had the money to make a {$1100.00} payment all at once. I asked AE to please review my payment history ; upon review AE acknowledged that I had come through on my end of the bargain and had made all of my monthly scheduled payments on time for XXXX XXXX. I informed XXXX  that I had the full intention to pay off the remaining balance and asked XXXX  to please give me a reasonable monthly payment. Despite being a customer of XXXX  since XXXX and demonstrating exemplary payment history where I lived up to my end of the bargain ; XXXX  did NOT, in any good faith, provide me with a reasonable/practical minimum monthly payment. I continued to make monthly payments to the best of my ability, never knowing exactly where I stood ... and AE continued to report me late on payments to the credit bureaus for the remainder of the year. That is, despite my good faith efforts to continue paying on my debt ( without a reasonable and clear direction from XXXX  ), AE reported me late on payments to all credit bureaus from XXXX of XXXX to XXXX of XXXX. Those XXXX XXXX of reporting me late to the credit bureau greatly affected my credit rating. Finally in XXXX of XXXX, XXXX  adjusted my monthly payment to a reasonable and manageable figure : {$52.00} on a {$670.00} debt. I continued making payments up to date, and XXXX  stopped reporting me late to all credit bureaus in existence as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX of this year I made a XXXX payment of {$1900.00} to XXXX XXXX in XXXX from XXXX Bank of America checking account. That money was taken out of my account but never paid to the vendor. I had to pay them from the account by e-check. 
The bank tells me it is processing under review. It is XXXX XXXX since they took the money out of my account and still it is under review. I have talked to XXXX customer service and Bank of America numerous times to release the money. They tell me they can not because there is no one that can expedite or cancel the payment and no one knows how long it will be under review!!!! So they are keeping my money for an unneeded review while my checks will bounce! They have not checked to see if there is a glitch in the system! And they are not telling me how long they will keep the money. The review is ususally XXXX XXXX. so far it is XXXX XXXX and I don't know if it will take XXXX XXXX XXXX XXXX XXXX or if I will get it back in my life time!

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 2025-08-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
I am disputing multiple unauthorized charges on my XXXX XXXX prepaid debit card. I have contacted XXXX XXXX Customer Services several times, including speaking with a supervisor, regarding these charges. Despite my efforts, I have not received any assistance in properly documenting or resolving the dispute. 

Money Network has refused to issue a provisional credit within the XXXX business days required under Regulation E ( 12 CFR 1005.11 ). Instead, representatives repeatedly instructed me to wait for forms to be mailed and returned, and then to file appeals on various dates. At no point was I informed of a formal denial until much later, and even then, no clear documentation or explanation was provided. 

During my interactions, including multiple conversations with the supervisor, I was repeatedly cut off, treated disrespectfully, and my concerns were dismissed. The supervisor even stated that if nothing happens, nothing happens, implying that the funds could simply remain missing from my account. This conduct not only violates federal law but has caused me significant stress and prevents access to my own money. 

I am seeking the CFPBs assistance to ensure that Money Network complies with Regulation E, issues the required provisional credit promptly, and provides a clear resolution for these unauthorized charges. Immediate action is necessary to prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> I sent a XXXX payment from my bank, XXXX XXXX XXXX XXXX, to XXXX XXXX via telephone number, ( XXXX ) XXXX. Sending via telephone numbers is my usual way of sending XXXX payments. That phone number was tied to a Capital One account in XXXX XXXX name. Confirmation number for the transfer is : XXXX. The amount of the transfer was, {$1200.00}. 

Within an hour I was told the account had been closed. I contacted both XXXX XXXX and Capital One requesting the transfer be reversed. Because I was not the owner of the Capital One account the bank refused to help me. XXXX XXXX contacted Capital One and was told the account had been closed. 

I called XXXX XXXX and explained and was transferred to the XXXX department. I explained again what happened and was told the money could not have been received into a closed account. If the account was indeed closed the money would be returned to my account within XXXX business days. 

XX/XX/year> I filed and received confirmation of a dispute I filed to have the money returned to my account. 

XX/XX/year> I received and email requesting additional information about the merchant. I sent a reply explaining there was no merchant the money had been sent to XXXX XXXX at Capital One bank. 

XX/XX/year> I received an email informing me the dispute had been resolved with no return of money to my account. 

XXXX XXXX has made numerous phone calls to Capital One asking where is the money. Thus far neither of us has received an answer as to where the money is ; nor have either of us received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My APR was raised by 5 % for purchases after XX/XX/25 but wasn't informed on my XXXX statement. I used the card all of XXXX believing my APR was 20.49 %. That's deceiving and fraudulent. I shouldn't be subjected to the higher APR because I wasn't informed in XXXX when it began. They got a month of higher APR without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at Collection Account on XX/XX/XXXX with a balance of {$810.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I was trying to buy a house but then i was told i have some damages to my account in according to law 15. U.S.C 1681 law there shouldnt be any damaging on my report. Is so heart breaking cause rent in the economy has went it up so bad.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate, inconsistent, and misleading reporting by XXXX XXXX XXXX XXXX concerning my former auto loan account ( opened XX/XX/XXXX closed XX/XX/XXXX ). 

Despite the account being closed, XXXX XXXX XXXX continues to report false late payment histories across the credit reporting agencies : Experian reports multiple XXXX and XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). It also shows a reinsertion of previously disputed negative information in XX/XX/XXXX without providing me required notice, a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 

TransUnion reports a different pattern of delinquencies ( XXXX XXXX lates and XXXX XXXX late ), inconsistent with Experian. 

Equifax reports a much harsher history, including XXXX, XXXX, XXXX, and even XXXX late payments, inflating delinquency history that does not appear in Experian or TransUnion. 

These contradictions are unlawful because the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate and consistent information to all consumer reporting agencies. The reinsertion without notice also violates federal law. 

Additional violations include : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Failure to furnish accurate and consistent information.

FCRA 1681i : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 1681s-2 ( b ) : Failure to correct and update reporting with all CRAs once a dispute was filed.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously disputed negative information without notice. 

Metro-2 standards : Late payments can not be reported unless payments were truly more than 30 days overdue.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character and amount of the alleged debt. 

This account has been reported inconsistently, inaccurately, and unlawfully, causing harm to my creditworthiness and financial opportunities. 

I am providing supporting documents including : Affidavit of Truth ( XXXX XXXX XXXX account ) Invoice of Statutory Damages ( {$5000.00} ) Formal Demand Letter to XXXX XXXX XXXX XXXX reports from Experian, TransUnion, and Equifax ( Exhibits AC ) Prior dispute history showing reinsertion ( Exhibit D )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I am disputing inaccurate, inconsistent, and misleading reporting by XXXX XXXX XXXX XXXX concerning my former auto loan account ( opened XX/XX/XXXX closed XX/XX/XXXX ). 

Despite the account being closed, XXXX XXXX XXXX continues to report false late payment histories across the credit reporting agencies : Experian reports multiple XXXX and XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). It also shows a reinsertion of previously disputed negative information in XX/XX/XXXX without providing me required notice, a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 

TransUnion reports a different pattern of delinquencies ( XXXX XXXX lates and XXXX XXXX late ), inconsistent with Experian. 

Equifax reports a much harsher history, including XXXX, XXXX, XXXX, and even XXXX late payments, inflating delinquency history that does not appear in Experian or TransUnion. 

These contradictions are unlawful because the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate and consistent information to all consumer reporting agencies. The reinsertion without notice also violates federal law. 

Additional violations include : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Failure to furnish accurate and consistent information.

FCRA 1681i : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 1681s-2 ( b ) : Failure to correct and update reporting with all CRAs once a dispute was filed.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously disputed negative information without notice. 

Metro-2 standards : Late payments can not be reported unless payments were truly more than 30 days overdue.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character and amount of the alleged debt. 

This account has been reported inconsistently, inaccurately, and unlawfully, causing harm to my creditworthiness and financial opportunities. 

I am providing supporting documents including : Affidavit of Truth ( XXXX XXXX XXXX account ) Invoice of Statutory Damages ( {$5000.00} ) Formal Demand Letter to XXXX XXXX XXXX XXXX reports from Experian, TransUnion, and Equifax ( Exhibits AC ) Prior dispute history showing reinsertion ( Exhibit D )

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX credit cards with capital one bank that I have had for many years and which have always been in good standing. I received an invitation from capital XXXX bank via email to open a high earning savings and checking account. The terms of the offer were that if I keep a minimum of {$20000.00} in the savings account for a minimum length of time I would receive a bonus. I therefore agreed and opened a savings account and transferred some money from my savings in another institution to take advantage of this offer. Capital one then offered me a checking account at no cost, so I decided to take them up on their offer. Then, without notice the bank shuts off all my accounts including my credit cards. I get a phone call telling me my accounts have been shut off, asking me to upload copies of my driving license, my social security card and a household bill with my address on it to validate my identity, saying they are concerned for fraudulent activity on my account. So, in order to expedite this process, I took time out of my day to go to XXXX the capital one branches, taking my driving license, which has my current address on it, social security card and a household bill to validate my identity. The teller in the bank tells me that the problem is not with the checking or savings account ( although they too are frozen ), it is with the credit cards and while I am still physically in the bank, he puts me on the phone to someone who, aside from barely speaking English, will again give me no information as to why all my accounts have been frozen and yet again, asks me to upload all the above said documents to a link they are going to send me. Despite the absurdity of the situation where a human being going into their branch with evidence of their identity is apparently inadequate, I agreed to upload the information. That was XXXX weeks ago. All my accounts remain frozen : credit cards, checking and savings and I am being denied online access and all this with not a word or explanation of the reason for this action. I have recurring bills coming out of that account and my payments are overdue. It is bizarre that the US government will allow me to fly on a plane based on my driving license and yet the bank does not accept this as proof of identity.

Company response to consumer: Closed with explanation