vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested details about why my dispute was denied, copies of the investigation findings, and clarification on why Capital One treated a fraud-induced transfer as an authorized transaction. I also asked for reconsideration and escalation of my claim because the transaction occurred under deception and misrepresentation. 

In XX/XX/year>, I was the victim of a fraud scam involving a fake website ( XXXX  ) and a scammer pretending to be an employer from XXXX. The scammer convinced me that I had been hired for a commission-based job and instructed me to move money from my Capital One bank account into XXXX XXXX and then convert it into XXXX to process my commission. I later learned that this website is not affiliated with XXXX and is a known scam. 

I was deceived and pressured into making these transfers. I only moved the money because I was manipulated and believed it was part of my new job. This was not a legitimate purchase or personal transfer. It was a fraudulent transaction induced entirely through misrepresentation. 

I disputed the transaction with XXXX XXXX, but they denied it, stating that XXXX transactions can not be reversed. I then filed a dispute with Capital One and provided all documentation, but Capital One denied my claim XXXX times, saying the transfer was authorized. While I technically initiated the transfer, I did so only because I was misled by a scammer. Under consumer-protection rules, transactions obtained through fraud or coercion are not considered authorized. 

I am asking for CFPB assistance because Capital One has repeatedly refused to treat this situation as fraud, even though the transaction occurred due to deception and impersonation. I am requesting a full review of how Capital One handled my dispute and for the bank to reconsider my claim as fraud, not a normal customer-authorized transfer. I never received any goods or services in return for the money I was misled into sending. 

A Capital One associate also told me over the phone that they could not help retrieve my funds and that I should contact the merchant, even though the party involved was a scam operation and not a legitimate business. I am seeking CFPB help because I have exhausted all options directly with Capital One. 

I am requesting that Capital One : Reopen and reevaluate my fraud dispute Recognize that the transfer was induced by deception, not true authorization Refund the stolen funds or provide appropriate consumer protection I can provide documentation of the scam communications, screenshots, emails showing the website is fraudulent, and proof that XXXX confirmed this was not affiliated with them. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of XXXX U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I had reached out to the credit agency and my dob is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-01 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-01 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: MA

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}

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 2025-12-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am disputing the following items on my Equifax credit report : Charged-Off Accounts XXXX : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries XXXX  : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Subject : Ongoing Failure to Resolve Account Fraud and Credit Reporting Issues I am writing to express my profound frustration with Targets continued failure to resolve a serious issue involving my account and credit report. After hundreds of calls and repeated conversations with representativesmany of whom were unable to fully understand the issue, and others who simply did not follow through on their promisesI still have no resolution. 
To summarize : In XX/XX/2025, attempted fraudulent charges for a XXXX and a gift card were made on my account. Although Target blocked the charges, I was never notified of the attempted fraud. 
In XX/XX/2025, I received an alert from Credit Karma notifying me that Target had reported a late payment on my accountsomething I have never had in the 18 years I have held a Target credit card. 
When I contacted Target, I was assured multiple timesmore than XXXX separate occasionsthat : The fraudulent charges would be removed ; My account would be restored to good standing ; My credit limit would be reinstated to the amount it was prior to the fraud ; My credit report would be corrected to show the account as current. 
Despite these promises, none of this has been done. XXXX months have passed, and the incorrect late payment remains on my credit report. My credit limit is still reduced, and the issue continues to affect my credit standing. Today alone, I have spent over XXXX hours on the phone and have been repeatedly disconnected without any progress. 
After XXXX XXXX as a loyal customer who has never made a late payment and has consistently paid balances in full, this treatment is unacceptable. The lack of follow-through, accountability, and basic customer service is deeply disappointing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was under the impression that the promotional offer, when expired, would start charging on the left over amount. I do not remember otherwise. The company said it was past the 30 days so they would not even consider requesting a waive or reverse of the {$470.00} interest charge to my account. I requested an email address several times to file a complaint and Synchrony would not provide one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-01 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. 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 my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-01 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:
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 my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Need to update my information on my credit report and background.

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 2025-12-01 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: IN

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 2025-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
we made our payments each month for our mortgage and paid into our escrow account they have not paid our taxes this year and last year they didn't until XXXX 2 months late they say this year after paying in XXXX the property needs to be split. it was split in XXXX what can we do? 
Planet Home Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This is a SEPARATE complaint against the originating dealership for the same transaction. I already have an open CFPB complaint # XXXX against XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX I purchased a XXXX XXXX XXXX ( XXXX ending XXXX ) from XXXX of XXXX XXXX, XXXX XXXX, FL. The dealership committed multiple violations : XXXX. Added {$1300.00} in undisclosed, non-negotiable add-on products ( XXXX, XXXX protection, etc. ) that were never mentioned in any advertisement a clear bait-and-switch. 

XXXX. Allowed and encouraged my minor child ( XXXX yeats old ) to physically sign/accept the retail installment contract and multiple disclosures on the electronic signature pad while I was holding my toddler. Photographic proof of the minors actual handwritten signature on the printed contract is attached. 

XXXX. The contract is therefore legally void ab initio under Florida XXXX XXXX ( minors right of disaffirmance ) and my formal disaffirmance is attached. 

XXXX. Despite the contract being void, the dealership initiated and repeatedly confirmed in writing a full mutual rescission on XX/XX/XXXX and XX/XX/XXXX ( attached emails from XXXX XXXX and XXXX XXXX explicitly stating full unwind the transaction will be fully rescinded and we are proceeding with rescinding this deal ). 

XXXX. I formally accepted their rescission on XX/XX/XXXX ( attached ). 

XXXX. The dealership now refuses to honor its own written rescission, refuses to retrieve the vehicle at its expense, refuses to refund my {$10000.00} in down payments, and has threatened storage fees, mileage charges, and repossession ( attached threats ). 

This conduct is unfair, deceptive, and violates Florida law, the FTC XXXX XXXX, and the XXXX XXXX authority. 

I have already filed : CFPB # XXXX ( Capital XXXX ) Florida OFR XXXX XXXX Florida Attorney General complaint Requested relief : Immediate dealer-funded retrieval of the vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX refund XXXX all money paid ( {$10000.00} down payment + first payment ) Written confirmation the contract is void/rescinded with XXXX balance Cease all threats and adverse action Attachments ( upload all ) : - Photos clearly showing minors actual signature on the printed retail installment contract - Minor disaffirmance letter ( signed and dated ) - Dealer rescission emails ( XX/XX/XXXX and XX/XX/XXXX ) - My XX/XX/XXXX acceptance of rescission - Proof of payments ( $ XXXX + first payment ) - Dealer threats ( storage, mileage, repossession ) - Original CFPB confirmation # XXXX - Florida OFR confirmation # XXXX

Company response to consumer: Closed with explanation