vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I made a {$490.00} payment to my Capital One credit card via ACH transfer from my personal checking account. The funds were fully withdrawn from my bank and posted by Capital One. Despite this, my available credit line was not restored it remained at {$4.00} as of XX/XX/year>. 

When I contacted Capital One to request a manual override to release my available credit, I was escalated to multiple supervisors. I was told on a recorded line that the reason for the hold was due to " federal and state law '' requiring a payment verification hold of up to four ( 4 ) business days. I explicitly asked for confirmation that this was a legal requirement and was told " yes '' by their agents and escalation team.

This is a false and deceptive statement. There is no federal or state law that mandates a 4-day hold for ACH credit card payments once the funds have cleared both banks. The representatives misrepresented Capital Ones internal policy as a legal obligation to justify denying me access to my available credit after accepting and processing my funds. This directly violates principles under Regulation Z and appears to constitute a UDAP ( Unfair, Deceptive, or Abusive Acts or Practices ).

I am requesting : A regulatory review of Capital Ones payment hold and credit line access policies ; An investigation into the false legal statements made by Capital One staff on a recorded call ; Full release of my available credit line that was paid down and restored with verified funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
My credit report reflects multiple unauthorized inquiries from a party I have never contacted or conducted business with. These inquiries were not initiated by me and appear to be fraudulent or erroneous.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I began attending XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, utilizing my XXXX XXXX XXXX to cover tuition and related expenses. Upon reviewing my account, my XXXX XXXX advisor confirmed that certain transactions appeared under my loan account ; however, they were unable to identify the origin of these funds. 

Despite multiple attempts to clarify the issue, XXXXXXXX XXXX maintains that my student account is still open, though I am no longer enrolled. I have submitted several formal disputes regarding this matter, all of which have been denied without adequate explanation. 

Additionally, it appears that XXXXXXXX XXXX received student loan disbursements on my behalf but subsequently placed a debt on my credit report rather than through my federal student loan account. This practice may violate federal regulations, as institutions are not permitted to assign student loan debt to personal credit if federal funds were disbursed. 

I am seeking a formal resolution to ensure this matter is corrected and properly documented, including the removal of any inaccurate reporting on my credit profile.

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 2025-07-16 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: TX

Complaint narrative:
I respectfully request the removal of a fraudulent collection account that has been reported under my name. I did not authorize this account, and it has caused serious and unjustified harm to my credit standing.

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 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I purchased a fixer using a hard money loan. Fay Servicing serviced my loan. The property was rehabbed and listed for sale. An offer was accepted, and a payoff demand was delivered to escrow, which was valid through XX/XX/year>, by Fay Servicing. Escrow closed on XX/XX/year>. On XX/XX/year>, XXXX issued a demand for a shortage, despite the payoff amount being good through XX/XX/year>. Their reason was that the computer experienced a " glitch '' and did not provide a proper payoff amount. They said if I didn't pay the shortage, I'd accumulate {$94.00} per day for each day the shortage was not satisfied. The shortage amount was wired over to Fay. During the time the property was getting rehabbed, I received a notice that XXXX would take over the loan effective XX/XX/year>. The loan was paid in full on XX/XX/year>, XXXX days before XXXX was to take over the loan. Fast forward to today, XX/XX/year>, XXXX is now attempting to collect mortgage payments for this same loan. I have been threatened with late fees, delinquent accounts, and damage to my credit rating. This loan is paid in full as of XX/XX/year>. Neither XXXX nor XXXX has returned my calls or responded to my email with a resolution. The XXXX emails I got from XXXX indicated that my inquiries, along with proof that the loan was paid, would be rerouted to the " appropriate department. '' Yet I have not been contacted by either servicer to resolve this issue. This is unacceptable, and I fear they will ruin my good credit. This situation is frustrating and has caused me much anxiety. I have also lost time away from my everyday tasks and work. It has been over XXXX months since the loan was paid in full, and I'm still being harassed about making a payment, with late and delinquent notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/2025 The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately 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 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  Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/2025 The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately 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 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  Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-16 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: MI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On the morning of Wednesday, XX/XX/2025, at approximately XXXXXXXX XXXX, a man identifying himself as a repossession agent arrived at our residence. Upon arrival, he was visibly XXXX XXXX XXXX XXXX, which was either holstered or brandished in a manner that was alarming. 
He had his hand on handle and XXXX XXXX XXXX XXXX XXXX 
The presence of the weapon caused significant fear and distress to me and my family. We were not expecting any confrontation, and his manner of approach, combined with the fact that he was armed, made the situation feel threatening and unsafe. We did not feel safe speaking with or approaching the individual. His demeanor and the presence of the firearm escalated the situation unnecessarily. We are unsure whether he had any legal authority to be armed while carrying out a repossession, but his conduct appeared aggressive and intimidating. 
Impact : Immediate fear and emotional distress to all family members present Concerns for safety and legal overreach during the incident Lasting emotional discomfort following the encounter Actions Taken : Law enforcement was contacted at the time/ afterward.

A report was filed with local authorities. The incident was documented with photographs / video. No physical confrontation occurred. The individual left the premises after being asked multiple times at XXXX. Request for Action / Resolution : We request that this incident be investigated and that clarification be made regarding the legality and conduct of repossession personnel using or carrying firearms during their duties. We believe this situation could have ended very differently had tensions escalated further. Our family deserves the right to feel safe in our home, and we do not believe this kind of behavior should go unchecked. My daughter was watching out the window and was extremely upset, crying and shaking uncontrollably. I myself am on XXXX XXXX medication and had to lay down and unable to work because of it. We have it all on video, just too big to upload so we used photos.

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 2025-07-16 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-16 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: OR

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

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