vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/2025, I received a denial letter from Citizens Bank stating my application for a credit card ( Application ID # XXXX ) was denied for the reason : Unable to verify identity. 

I currently have a fraud alert on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-1 ( h ), when a fraud alert is present, creditors are legally required to take reasonable steps to verify the consumers identity before denying or extending credit. Reasonable steps include contacting the consumer through the phone number or contact method listed in the fraud alert, or accepting other documentation for identity verification.

Citizens Bank did not attempt any reasonable verification. I was denied outright without being contacted by phone, mail, or email to confirm my identity. This constitutes a failure to comply with FCRAs requirements. 

Additionally, the denial letter only gave a vague reason ( unable to verify identity ) without explaining that they failed to attempt verification. This may also violate the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) and Regulation B, 12 C.F.R. 1002.9, which require creditors to provide accurate and specific reasons for adverse actions. 

On XX/XX/2025, I contacted XXXX XXXX in Citizens Advisory Department. He escalated my case to the Executive Office, case number XXXX XXXX. Despite this escalation, I still have not been provided with an opportunity to reasonably verify my identity as required by law.

Statutes Potentially Violated FCRA, 15 U.S.C. 1681c-1 ( h ) : Duty to take reasonable steps to verify a consumers identity when a fraud alert is present.

FCRA, 15 U.S.C. 1681m ( a ) : Requirement to provide clear adverse action notices.

ECOA, 15 U.S.C. 1691 ( d ) & Reg B, 12 C.F.R. 1002.9 : Requirement that denial letters include specific and accurate reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Pnc advice to me an offered XXXX XXXX for a Refinance auto loan on XX/XX/year> the agent XXXX specify that that was his first time doing an auto loan refinance. He printed first documents stating that I was approve for XXXX after that he told me that he make a Mistake and told me that he have to print the documents once again. I signed those documents when I get home I noticed was for XXXX not for XXXX after making several calls to PNC BANK i spoke to XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In reference the the loan # XXXX After a month waiting she told me PNC make an investigation a she told me thats the paperwork I signed and thats totally false claim first The agent XXXX offered me XXXX he printed second time with information I dint agree. ( XXXX ). After that spoke to XXXX from PNC she told me the current interest rate is XXXX that I never signed or agreed. False information and scam if I know that I will be signing with another bank with better rate since my credit is XXXX excellent. Also the agent dint put the right amount leaving in the old account XXXX usd dollars that is have to dispute with XXXXXXXX XXXX and XXXX  this actions can damage my credit. Also I aske this agent why he put the first documents that I signed in his personal belongings an le makes me sign another documents doesnt like right. He told me joking Im going to steal you information. As a professional he never conducted like that as a professional. I tell him thats not right what you doing. Im very disappointed with this experience I will never recommend PNC bank. Since I never agreed to this actual contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, regarding unresolved disputed collection accounts that continue to appear on my credit reports with Experian, Equifax, and TransUnion despite my repeated requests for proper validation and reinvestigation.

I have disputed these accounts directly with the credit bureaus and requested validation from the reporting debt collector ( s ). However, instead of conducting a reasonable investigation and providing proper documentation to verify the alleged debts, the bureaus have simply marked the accounts as " verified, '' without providing any substantive evidence of their accuracy.

This practice violates my rights under federal law, including : * FCRA 611 [ 15 U.S.C. 1681i ] : Requires the credit reporting agencies to conduct a reasonable reinvestigation of any disputed information.

* FDCPA 809 [ 15 U.S.C. 1692g ] : Requires debt collectors to provide validation of the debt upon request.

* FCRA 623 [ 15 U.S.C. 1681s-2 ] : Prohibits furnishers from reporting inaccurate or unverifiable information. To date, none of the credit bureaus nor the debt collectors have provided any of the following, which are required for proper validation : 1. A copy of the original signed contract or agreement allegedly creating the debt.

2. An itemized statement of the alleged balance, including principal, interest, and fees.

3. Proof that the debt collector has the legal right to collect or report this account.

4. Documentation showing an unbroken chain of title if the debt was sold or transferred.

Instead, the bureaus continue to allow unverifiable information to damage my credit profile and consumer rights.

I am requesting the CFPB to : 1. Investigate the failure of Experian, Equifax, and TransUnion to comply with the FCRA regarding my disputes.

2. Compel removal of these unverifiable collection accounts from my credit reports.

3. Ensure enforcement of consumer protection laws against the debt collectors and furnishers involved.

Enclosed are copies of my prior dispute letters, credit reports, and responses received from the credit bureaus for your review.

Thank you for your prompt attention to this matter. I request a full investigation and written resolution of my complaint.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, an unauthorized charge in the amount of {$88.00} was made at XXXX XXXX # XXXX on my Cabelas CLUB credit card. I did not make or authorize this purchase. 

On XX/XX/year>, I reported the fraudulent activity to Capital One. They acknowledged my fraud report under Case Number : XXXX. In their Fraud Acknowledgement Letter, Capital One confirmed that I would not be liable for any unauthorized charges and that a temporary credit was applied to my account while the investigation was conducted. Later that same day, I received a Fraud Resolution Letter confirming the investigation was complete and that I would not be held responsible for the charge.

However, despite this resolution, the fraudulent activity caused significant negative impact to my credit profile : My account only had a {$300.00} credit limit, and the fraudulent charge pushed my utilization rate extremely high.

Because of this, my credit score dropped by XXXX points. 
Late fees were also added to my account as a result of this fraudulent charge, fees which I was not aware of and should not have been responsible for. 

While Capital One resolved the underlying fraud claim and confirmed I am not liable, these secondary effects ( score drop, utilization damage, and late fees ) remain and have had lasting consequences on my creditworthiness. 

I am requesting that these negative impacts also be corrected, as they were the direct result of confirmed fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$320.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I withdrew {$3200.00} from XXXX XXXX XXXX XXXX XXXX in cash ( XXXX x {$100.00} ). I attempted to deposit thecash into my Capital One account at the XXXX ATM inside the XXXX. The ATM malfunctioned and did not give me back mycash. Instead it gave me a receipt at XXXX XXXX  from Capital One that said " Unable to deposit cash to Checking Account ... Deposited {$0.00} ). I called XXXX to report the problem at XXXX XXXX  and was told that I had to contact XXXX  XXXX to make a claim becausethe money was FDIC and XXXX was not permitted to refund my money. They were just the technical support. I called Capital Oneat XXXX XXXX  and made the claim. I received a confirmation via email of my claim at XXXX XXXX. On XX/XX/year> Capital One denied myclaim and stated that were unable to immediately send me the reason for their denial. They stated that I would have to wait 3-5business days to receive the reason for their denial and that I would need to call XXXX for a refund. I called XXXX and XXXXsays I need to call Capital One. Someone has stolen my {$3200.00} and neither Capital One or XXXX is taking responsiblity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I had an unauthorized transaction on my XXXX  account. Someone took my phone, and sent themselves {$3000.00} via XXXX and XXXX, and returned my phone. This was not authorized by me. 

I disputed the transaction immediately ( within XXXX minutes ). I also got a police report that proves that this was fraudulent, and not money I directly sent. They got access to my phone, and sent it to themselves. 

XXXX  denied my dispute, citing it was not an unauthorized transaction on XXXX. They did not request any information, take my police report, anything. Under regulation E, they are required to address this. 

Even if not, as part of their User Agreement, because this was under XXXX and XXXX, and no Service was actually delivered or rendered for the payment, even if it wasn't, they would still be required to address and return this {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation