vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Capital One Bank ( XXXX ), XXXX. for furnishing inaccurate, incomplete, and deceptive information to the consumer reporting agencies in connection with an account reported under the name CAPITAL ONE and partial account number XXXX. 

Violations and Allegations : XXXX. Incomplete Account Reporting Capital One is furnishing an account to the credit bureaus that lacks a complete and accurate account number. This makes it impossible for me, the consumer, to properly identify, investigate, or verify the validity of the account. By reporting an incomplete account number, Capital One is violating its duty under the Fair Credit Reporting Act ( FCRA ) to furnish information that is accurate, complete, and capable of being verified. 
XXXX. Deceptive and Misleading Furnishing The information Capital One has furnished is misleading and deceptive. The incomplete account data obstructs transparency and accountability and appears to be intentionally vague to avoid proper consumer challenges. This creates confusion and impairs my ability to exercise my rights under federal law. 
XXXX. Failure to Provide Legal Notice Under the Fair Debt Collection Practices Act ( FDCPA ) Capital One also failed to provide legally required notices under the Fair Debt Collection Practices Act ( FDCPA ) before reporting this damaging information to the credit bureaus. As a result, I was not given the opportunity to dispute or validate the debt before adverse credit action was taken against me. 
XXXX Credit Damage Without Due Process By failing to provide proper notice or validation and by furnishing deceptive and incomplete information, Capital One has unlawfully damaged my credit profile, causing me to suffer harm in the form of denied credit, higher interest rates, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal permanently limited my account without giving any specific reason. They stated I violated the Terms of Service but did not provide details about which policy was violated. I contacted PayPal customer support multiple times, and they told me it would be reviewed or fixed, but nothing happened. I am unable to access my account or even understand what caused the ban. I am requesting a detailed explanation, a proper investigation, and reinstatement my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
XXXX Funding Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} Past Due XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} Past Due XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$88.00} Past Due XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : 120 Days Late XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account number unknown These entries were reported without my authorization and without proper verification. These are unauthorized derogatory accounts stemming from fraudulent activity or identity theft and per the FCRA and FDCPA, you are legally obligated to remove them if they can not be fully validated through the original creditor and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
XXXX  Experian And TransUnion Are Not Removing The Errors On My Credit Report. 
This Is Illegal According To The 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 non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got scammed by buying social media like XXXX live jewelry selling... send money in two company same time ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). i send through XXXX XXXX $ and through XXXX ( foreign bank account XXXX $ ) and Domestic wire transfer from my Chase bank. ( XXXX $ ) ... that companies after received payment they blocked me.. i have contacted to Chase ( two case -- replied unable to help ) and XXXX ( could not help ) and XXXX XXXX they punished me by closing my account ) -- so i lost near about XXXX $ in XXXX XXXX XX/XX/year>XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. 
XXXX XXXX * * * * Balance : {$680000.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * Balance : {$14000.00} XXXX XXXX XXXX * * * Balance : {$44000.00} XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}

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 2025-06-10 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: NY

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX  accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am reporting identity theft involving two credit card accounts fraudulently opened in my name by family members while I was a XXXX. The accounts in question were issued by JPMCB CARD SERVICES and ended in XXXX and XXXX. 

I was born on XX/XX/year>, and therefore could not legally authorize any credit applications or financial contracts at the time these accounts were opened. Although the accounts have since been paid off, they remain unauthorized and have negatively affected my credit. 

I have filed an official FTC Identity Theft Report ( Report # XXXX ) and submitted formal dispute letters with supporting documentation ( passport, state ID, birth certificate ) to XXXX, XXXX, and XXXX. 

I am requesting the CFPBs assistance in ensuring that the credit reporting agencies and any associated creditors comply with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent accounts and all related negative information from my credit report. 

I would also like to request the removal of any hard inquiries associated with these fraudulent applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am filing this complaint against Experian for fraudulent inquiries on my credit report. 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 I have already filed a dispute. Attached to complaint is a copy of my FTC report which has also been mailed certified mail and uploaded to the Experian online portal. These inquiries need to be removed 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 2025-06-10 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 writing to formally request the deletion of inaccurate personal information being reported on my credit file as maintained by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) and Section 611, I have the right to dispute incomplete or inaccurate information, and to request its correction or removal.

Please investigate and delete the following inaccurate or outdated personal information from my credit file immediately : Incorrect or Outdated Personal Information : - [ List incorrect names ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank charged return check fees and bounced check fees for mobile deposits that were not made by me while TD Bank claims they were made in ATM Machine on XX/XX/XXXX and XX/XX/XXXX Totaling Fee 's of {$1400.00}, TD Bank has refused to file a fraudulent claim and refund the funds to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this complaint against Apple Card/GS Bank USA ( Goldman Sachs Bank USA ) for furnishing deceptive, incomplete, and harmful information to the consumer reporting agencies regarding an account listed under my name with the partial account number XXXX. 



Allegations and Legal Violations : 1. Furnishing Incomplete Information Apple Card/GS Bank USA is reporting this account without disclosing the full account number. Under the Fair Credit Reporting Act ( FCRA ), data furnished to consumer reporting agencies must be accurate, complete, and verifiable. An incomplete account number makes it impossible for me to confirm, dispute, or validate the reporting, and raises serious concerns about the accuracy and legitimacy of the tradeline.

2. Unlawful Monthly Charge-Off Updates The account continues to be updated monthly as a charge-off ( CO ), which is misleading, deceptive, and legally questionable. A charge-off is a one-time accounting event and should not be continuously updated unless there is ongoing collection activitywhich has not been disclosed or validated. This pattern artificially re-ages the account, manipulates the statute of limitations, and unfairly depresses my credit score.

3. Violation of 12 CFR 1026.11 Treatment of Credit Balances ; Account Termination According to 12 CFR 1026.11, if a consumer account has been terminated or charged off, the creditor must treat any resulting credit balance lawfully, and must not continue to report the account in a way that implies open or ongoing activity unless it is accurate. Continuing to report this account as if it is active and delinquent each month misrepresents its status, conflicts with this regulation, and damages my credit profile without legal justification.

Harm Caused : Because of Apple Card/GS Bank USAs unlawful furnishing practices : My credit score has suffered continuous damage, I have been subjected to credit denials, and I have experienced emotional distress due to an inability to resolve this matter despite repeated attempts.

Company response to consumer: Closed with non-monetary relief