vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One closed my brand-new secured credit card account immediately after opening and is now refusing to refund my {$200.00} security deposit within a reasonable timeframe. They told me I must wait XXXX billing cycles, which is an excessive and unlawful delay. 

What happened : I opened a Capital One secured credit card and paid the required {$200.00} security deposit. The account was brand new and had no activity on it. Shortly after opening, Capital One placed the account on hold and then closed it without providing a clear or specific reason. 

When I contacted Capital One, they stated that my {$200.00} security deposit would not be refunded for XXXX billing cycles. This is unacceptable and in violation of multiple federal consumer protection laws. 

The account was never used, there is no balance owed, and Capital One has completed whatever internal review they claim to have. There is no reason for this delay. 

Laws potentially violated : 1. 12 CFR 1026.12 ( d ) ( 2 ) Regulation Z ( Refund of Security Deposits ) The law requires the issuer to refund the security deposit promptly after the account is closed. Capital Ones policy of holding my money for XXXX billing cycles is not prompt and appears to violate this requirement.

2. 15 U.S.C. 1691 ( d ) & 12 CFR 1002.9 ECOA / Regulation B ( Adverse Action Notice ) Capital One closed my account but did not provide a proper written adverse action notice explaining the reason for closure, which is required under federal law.

3. 12 U.S.C. 5531 UDAAP ( Unfair, Deceptive, Abusive Acts and Practices ) Holding a customers security deposit for 60 days, without justification and without clear communication, constitutes unfair and abusive financial practices. 

Harm : Capital One is holding {$200.00} of my money with no legal justification. I am experiencing financial hardship, and their refusal to refund the deposit promptly is causing real harm. I can not access funds that legally belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, 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 Number 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 explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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, 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 Equifax 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 Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AR

Complaint narrative:
Subject : Credit Control Collections Reporting Inaccurate & Unverified Information Request for Investigation and Removal Complaint : I am filing a complaint against Credit Control Collections regarding a collection account in the amount of {$490.00} that is being reported inaccurately on my credit report.

I previously disputed this account with the credit bureaus and requested verification from the furnisher. Credit Control Collections failed to provide proper validation, including : * No proof that I legally owe this debt * No documentation from the original creditor * No itemized statement * No evidence of ownership or right to collect * No confirmation of the correct Date of First Delinquency Despite failing to provide validation, Credit Control continues to report the account to the credit bureaus, which violates the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA 611 ).

The information they are reporting also appears to be inaccurate, incomplete, and unverifiable, including ( but not limited to ) : * Incorrect balance * Incorrect dates * Inconsistent reporting between bureaus * Marked as verified despite no investigation evidence This is harming my credit standing and ability to obtain housing and credit. I am requesting that the CFPB intervene and require Credit Control Collections to : 1. Provide complete and proper validation of the debt, or 2. Immediately cease reporting and delete the account from all credit bureaus if they can not validate 3. Provide written confirmation of the results I have attempted to resolve this directly, but the company has not complied with federal law. I am requesting CFPB assistance to bring this account into compliance.

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 2025-12-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am following up on my previous complaint regarding inaccurate reporting on my credit reports with TransUnion, Experian, and Equifax concerning my XXXXXXXX XXXX account, number ending in XXXX. The account continues to be incorrectly listed as having a Late 60 Days status with the last payment recorded on XX/XX/year>, despite all payments having been made according to the agreed-upon terms and the balance fully paid following a brief, temporary delay in 2019. I previously submitted supporting documentation, including payment confirmations, bank statements, and correspondence with XXXX XXXX, which clearly demonstrate that this was an isolated incident that has been fully resolved and does not reflect ongoing delinquency.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am following up on my previous complaint regarding inaccurate reporting on my credit reports with TransUnion, Experian, and Equifax concerning my XXXXXXXX XXXX account, number ending in XXXX. The account continues to be incorrectly listed as having a Late 60 Days status with the last payment recorded on XX/XX/year>, despite all payments having been made according to the agreed-upon terms and the balance fully paid following a brief, temporary delay in 2019. I previously submitted supporting documentation, including payment confirmations, bank statements, and correspondence with XXXX XXXX, which clearly demonstrate that this was an isolated incident that has been fully resolved and does not reflect ongoing delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The debt that LVNV Funding is trying to collect is tied to an original creditor account that is no longer being pursued and is no longer valid. The original creditor has charged off this account, stopped all collection activity against me, and removed its own tradeline from my credit reports, showing that it is no longer seeking any money from me on this debt. In other words, the company that actually extended the credit has closed out the obligation and no longer considers me liable for payment. 
Despite this, LVNV Funding continues to report and attempt to collect on the same underlying account, even though it can not show that the original creditor still has a legal claim or that the debt was properly transferred with a valid, collectible balance. I have already requested that LVNV Funding provide full documentation proving it owns the debt, that the balance is still legally owed, and that the original creditor has not forgiven, settled, or otherwise extinguished this obligation. To date, they have not produced complete proof that this debt remains valid. Because the original creditor has stopped pursuing the money and removed its own reporting, any continued collection or credit reporting by LVNV Funding is misleading and unfair, and this tradeline should be completely deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A bunch of charges were made to a site/app called XXXX. I did not make them, and after disputing with Bank of America ( credit card issuer ) my claim was denied. I was told XXXX XXXX  was used by a recognized phone. I also had charges on a different credit card, ( XXXX  XXXX ) and was promptly given the money back on the card by them. They told me an email, ( XXXX ) was used for the account, I have no such email. I dont know how these charges were made, but I did lose my phone twice in that span. Ive also had problems with fraud for a little time, including someone filing tax returns in my name. I did not make these charges. I actually had used this site, XXXX, a few years ago. But soon after I permanently banned myself. According to XXXX rules and regulations, anyone who made a second account would be subject to all charges being reversed and a permanent ban. I did not make these charges, and the information given to me by XXXX XXXX shows that. I should not have to pay these charges of around XXXX dollars. I received no merchandise and had no use of this site. Bank of America wont help

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 2025-12-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: PA

Complaint narrative:
I paid tomo for credit boost vip service. It was XXXX dollars. My wife didnt talk to me a submitted a dispute she didnt know what it was. So they deactivated my account until I paid again. So I repaid why the dispute was going on. They deactivated it again and said because of the dispute. So I cancelled the dispute and they still havent fixed my account. Now I paid them XXXX dollars 2 times and they are not providing my service. And they dont answer. All they have is a help desk ticket to contact them. I am a XXXX veteran on a limited budget. All they need to do is reactivate my account and provide what I paid for. I dont want to cancel my account. I want my account fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX SSN : XXXX DOB : XX/XX/XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. * Fraudulent Accounts to be Removed : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$390.00} This account was opened by an identity thief. I never authorized, applied for, or benefited from this account in any way. 

XXXX XXXX  Account Number : XXXX  Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$1300.00} This collection is the result of identity theft and is not mine. 

XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$4800.00} This collection is also fraudulent and must be removed. 

FRAUDULENT CREDIT INQUIRIES The following inquiries on my credit file are also the result of identity theft and were never authorized by me : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX & XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This morning, XX/XX/year> I spoke with an agent from PNC about my recall code from from there website that she had no clue about and dint honor it. She used a predatory practice of me applying for a loan even I stated I dont want one. She assured me that I would be approved and was denied. If she wasnt sure about the code she should of transferred me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I disputed a late payment that XXXX is reporting because it is incorrect, and the account is current. I sent a written dispute to all three credit bureaus on XX/XX/year>, and a Method of Verification request on XX/XX/year>. XXXX never provided any documentation, verification, or response to support the late payment. Despite this, the credit bureaus continue reporting the late mark, and one bureau updated the account without receiving proof from XXXX. The late payment resulted from a bank processing error, and XXXX has not provided any evidence to validate the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. 
You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
In the response from XXXX XXXX on XX/XX/year> they did not provide any proof of a court order or succeeding documents proving they were within the law. 
I am requesting the actual documents not an explanation of documents. The documents they said they received are what I want. As these are the controlling documents.

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
my chime account was hacked and {$1200.00} was stolen over 77 transactions ... ive disputed twice and both times it was denied... i filed a police report and they still denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There're several transactions I didn't make or authorzie others to make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've phone called the bank and they even didn't fully investigate and determined that I'm responsible for these transactions.

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 2025-12-05 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, 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 Number 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 explanation
Consumer complaint received 2025-12-05 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief