vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/XXXX Capital One Bank ( USA ), N.A. 
Attn : Fraud/Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Formal Dispute Fraudulent Accounts/ Statute of Limitations/ FCRA Violation To Whom It May Concern, I am writing to dispute and demand removal of two Capital One accounts that were fraudulently opened in my name without my authorization. These accounts were never opened or approved by me and are the result of identity theft. Their continued reporting has negatively impacted my credit and recently resulted in a denial of a credit card application.

The disputed accounts are as follows : Account # 1 : Capital One Account ending in XXXX Date Opened : XXXX Balance : {$470.00} Account # 2 : Capital One Account # XXXX Date Opened : XXXX Balance : {$330.00} These accounts fall well beyond the statute of limitations for collection and reporting, and Capital One has failed to remove them despite the passage of time and my prior disputes. Additionally, your failure to adequately investigate and address this matter is a violation of multiple federal laws : Applicable Legal Violations : 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) : This prohibits reporting of negative information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) ( iii ) : Furnishers must stop reporting inaccurate information once notified.

15 U.S.C. 1681i : You are required to conduct a reasonable reinvestigation upon notice of dispute.

15 U.S.C. 1681m ( a ) : I was denied credit due to this account and was not properly informed of my rights.

15 U.S.C. 1681n : Failure to comply with FCRA requirements may result in civil liability, including actual damages, statutory damages, and attorneys fees.

Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Identity Theft and Assumption Deterrence Act : You are obligated to investigate and correct accounts opened fraudulently.

I request the immediate and permanent removal of these accounts from my credit file with all credit reporting agencies. Continued reporting of these accounts is willful noncompliance, as they are both fraudulent and beyond the legal reporting period.

Action Demanded : Delete both accounts listed above from all consumer reporting agencies ( XXXX XXXX XXXX  ). 

Cease all collection activity related to these accounts.

Provide written confirmation that these accounts have been removed and will not be sold or reassigned to any debt collector or third party.

If this matter is not resolved within the 30-day period required under the Fair Credit Reporting Act, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will consider legal action for damages caused. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-05 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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, XXXX, and Experian 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 the following : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$410.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$4.00} Account Name : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount : {$42000.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX 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 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  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 # ( XXXX ) as proof from the XXXX 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 2025-08-05 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: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
My information has been exposed in a data breachXXXX XXXX XXXXXXXX has committed identity theft against me. They bought and traded my personal information for monetary gain without my consent. I did not authorize a credit pull from the company.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: AZ

Complaint narrative:
b'I keep getting repeated calls from this company called Americollect. XXXX XXXX they called from different phone numbers. XXXX XXXX XXXXand also getting calls from  XXXX XXXX XXXX XXXX XXXX.  I called them back and given them the last four of my Social Security number and they dont even have my Social Security right and they said i opened up a Payday Loan 10 years ago and Ive never done a Payday Loan in my life but they keep calling and keep calling.  I asked them to send me a letter or a validation of debt and theyve never done it.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC
State: CO

Complaint narrative:
On XX/XX/year>2025, my checking account with Majority bank was frozen. That same week I attempted to contact the company to solve the problem and request an explanation for the freeze, but As of XX/XX/year>2025, no reason/explanation has been done to fix the issue, and after several attempts to contact the company, only 2 were successful. I have been unable to use the debit card and the money that was in the account for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX last four social ending in XXXX. I opened an account with navy earlier this year and they closed it the same day. They stated it was due to fraud but Im l am Eligible because me and my brother XXXX XXXX are related. I have birth certificates showing and stating this. I have had a hard time trying to even appeal because I shouldve never been denied in the first place after the first appeal no warning or anything it just said fraud account opened. This is unacceptable and unbelievable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliable Credit Association, Inc.
State: TX

Complaint narrative:
Despite my certified disputes to all three credit bureaus, these items remain unverified, inaccurately reported, or duplicative.

This has caused significant harm to my creditworthiness.

I am filing this complaint because the credit reporting agencies and/or debt collectors have violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting and/or failing to delete inaccurate and unverifiable information.

Reliable Credit Assoc Inc ( Acct # XXXX, {$2200.00} ) XXXX XXXX charge-off ; chain of title and sale notice not provided. 

Legal Basis : 15 USC 1681i ( a ) ( 1 ) Right to a reasonable investigation 15 USC 1681i ( a ) ( 5 ) ( B ) Duty to delete unverifiable information 15 USC 1681e ( b ) Duty to maintain maximum possible accuracy 15 USC 1681s-2 ( a ) Furnishers may not report inaccurate info

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: OH

Complaint narrative:
American First Finance I charged off the loan and was supposed to return the form 1099c, so I can file my taxes. I would also like for American First Finance I to cease and desist, and mail the vehicle title, The credit bureaus XXXX XXXX XXXX must cease and desist reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$7500.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$17000.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$16000.00} Fraudulent Information on Credit Reports Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$230.00} Other Identity XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$230.00}

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I believe PNC Bank has been moving and reallocating funds between my accounts without my knowledge or authorization. Around XXXX 2025, I noticed that I would go to sleep with over {$1200.00} in my checking account and wake up to find only {$600.00}. In another instance, I transferred {$320.00} from savings into checking only to find the funds back in savings shortly after, with no explanation. This kind of behavior has been happening for some time, and it raises serious concerns about how my money is being handled. 
When I contacted PNC to request a full transaction ledger to investigate these issues, they told me it would cost over {$50.00}. I believe this fee is unreasonable, especially given that I am trying to investigate potential unauthorized internal activity or system errors. I am requesting a full investigation into how my funds have been handled and transferred, and that I receive my full transaction records free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: MI

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 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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Details : I am filing this complaint because TransUnion failed to properly investigate multiple unauthorized hard inquiries that appeared on my credit report. These inquiries were not made with my knowledge or consent and appear to be the result of either identity theft or improper access. 

On XX/XX/XXXX, I initiated a dispute via mail, following instructions given to me by a TransUnion representative during a live chat. I later followed up by phone, and a supervisor named XXXX assured me that my dispute would be escalated and thoroughly investigated. 

Despite this assurance, TransUnion provided a vague response that failed to confirm whether a proper investigation was conducted. I also contacted the other two credit bureausXXXX and XXXXand the same inquiries were successfully removed after my disputes. This demonstrates that the inquiries are indeed problematic and that TransUnion is the only bureau failing to act responsibly. 

The hard inquiries in question were all submitted under a similar sequence and occurred between XXXX and XX/XX/XXXX. The dispute included multiple lenders, and the specific inquiries were clearly outlined in my certified mail submission. I have records of the correspondence and phone call reference numbers. 

To date, TransUnion has not provided : Evidence that these inquiries were properly verified with the furnishers ; A copy of the documentation they claim supports the validity of the inquiries ; A resolution consistent with their obligations under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-05 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: FL

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. 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. A 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