vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am the respondent in an ongoing divorce case ( In re the XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ). A Capital One credit-card account has appeared in a Limited Civil Court filing naming me as the defendant. I do not have a Capital One account in my own name. I believe my estranged spouse, XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), either added me as an authorized user or opened or maintained this account using my personal information without authorization. 
Since XX/XX/XXXX, after XXXX XXXX filed for divorce, I have had no access to any Capital One account and have received no correspondence at my residence ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Capital One appears to have updated the mailing address to a XXXX Box or business address for XXXX XXXX XXXXXXXX in XXXX XXXX, CA, which is associated with XXXX XXXX. 
Capital One is now attempting to collect this alleged debt from me even though : The debt is a community debt listed by XXXX XXXX on his XXXX Income and Expense Declaration in our family-court case. 
I have been declared gravely XXXX and indigent by the State of California under XXXX & XXXX XXXX XXXX, XXXX, XXXX. 
I never received lawful service of process or any account statements at my verified address. 
Requested Resolution : Investigate potential identity misuse, unauthorized account management, or fraudulent address changes made by XXXX XXXX XXXX. 
Instruct Capital One to pause all collection activity until proper verification is completed. 
Require Capital One to preserve all records and communications related to any account connected to my name or identifiers. 
Ensure that this alleged account is not reported negatively to the credit bureaus while under dispute. 
Alternate names possibly associated with this account : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am submitting this complaint to preserve evidence and ensure proper federal oversight before discussing next legal steps with counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited a {$5400.00} settlement check into my Fifth Third Bank account on XX/XX/year>. The check was issued by my personal injury attorney from a XXXX XXXX XXXX  attorney trust account. The attorney can not issue checks unless settlement funds have already cleared. Several other checks from the same settlement disbursement were issued simultaneously to medical providers and for attorney fees. 

My Fifth Third account is several months old, and the deposit was made in person with a banker at a branch. The check amount was below the Regulation CC large deposit threshold. 

I received a hold notice stating the bank placed an extended hold until XX/XX/year> ( approximately 7 business days ) and used the exception reason : Confidential information that check may not be paid.

Under Regulation CC ( 12 CFR 229.13 ( e ) ), the reasonable cause to doubt collectibility exception requires the bank to have specific factual information suggesting the check will not be paid. A generic internal policy or a risk-score flag does not satisfy this requirement. The bank must also provide a notice that reflects the factual basis for the hold. 

I contacted Fifth Third to ask what specific factual information triggered this exception hold. They have not provided any actual evidence of a stop payment, insufficient funds, altered check concerns, or any issuer warning from XXXX XXXX XXXX. In fact, they would not confirm any such factual information exists at all. Without a factual basis, this hold appears to be improper under Regulation CC.

The extended hold has caused me and my family financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-12 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: TN

Complaint narrative:
I am disputing the following items listed on my Experian credit report. I believe these accounts contain errors that must be corrected : Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts listed on my Equifax credit report as they contain inaccuracies, including incorrect charge-off dates, balances, and other discrepancies. Please investigate these accounts for removal or correction. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$8100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX, {$2400.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$280.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$180.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XXXX  XXXX, XX/XX/XXXX Late Payment : XXXX  XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 am disputing the following accounts on my Equifax credit report : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiries : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts with Equifax. I believe the information reported is inaccurate or incomplete and request a thorough investigation to correct these issues. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Late Payment XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/2025, I attempted to transfer funds from my XXXX  checking account into my XXXX savings account. During this process, I accidentally transferred {$1300.00} from my XXXX  checking account into my old closed Huntington bank account XXXX ending in XXXX. Instead of the funds being returned immediately due to the closed account, the funds were processed. I immediately reached out to XXXX, and they were confused about how it even processed if the Huntington bank account was closed. I filed a dispute with XXXX, but it was immediately denied due to the funds being processed, and they told me I need to contact Huntington bank. So I contacted Huntington bank on several different occasions, and they told me I need to wait 30 days for them to issue me a paper check. It is now XX/XX/2025, and they still havent sent me anything. I called today, and the supervisor told me I need to wait an additional 30 days and told me nobody ever processed the claim, but the supervisors I previously talked to said it was nothing they could do until the 30 days was up. Now hes telling me he will leave in notes that they need to expedite my payment and told me to wait an additional 10 days and visit the branch to fill out a lost or stolen check claim form. I feel as if this is misleading information, and everybody is telling me different things, and nobody has a clear answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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 am filing this complaint because my credit report with TransUnion contains a reinserted and fraudulent charge-off account that I did not authorize, open, or provide. This account had been previously deleted from my credit report after investigation, yet it has been illegally reinserted, which constitutes a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

My report shows an account reported by XXXX XXXX XXXXXXXX, Account Number XXXX, listed as Charge-Off with a balance of {$1100.00}, dated XX/XX/year>. I did not open or authorize this account, and its reinsertion into my file is both inaccurate and unlawful. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if previously deleted information is reinserted into a consumers credit file, the credit bureau must : Certify the accuracy and completeness of the information with the original furnisher before reinsertion ; and Notify the consumer in writing within 5 business days that the information has been reinserted, including the name, address, and telephone number of the furnisher who verified the data. 

TransUnion failed to comply with these requirements, as I was never notified of this reinsertion, nor has any verifiable proof been provided that this account is valid, accurate, or legally attributable to me. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) TransUnion must maintain maximum possible accuracy of information. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumers have the right to dispute any inaccurate or unverifiable information, and the bureau must reinvestigate within 30 days. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Inaccurate, unverifiable, or previously deleted information must be permanently removed. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted information without full certification and consumer notice. 

15 U.S.C. 1681n and 1681o Establish liability for willful and negligent noncompliance with the FCRA. 

FDCPA 1692e Prohibits false, misleading, or deceptive representations of alleged debts. 

I am formally demanding the immediate deletion of this reinserted and unverifiable charge-off account from my TransUnion credit file, along with written confirmation of its removal. 

Failure to comply with these federal obligations will be considered willful noncompliance, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, seeking full enforcement and remedies allowed under federal law. 

Sincerely, XXXX XXXX

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
XXXX XXXX requested access to my Bitcoin and crypto from cashapp Was informed someone would email me. 

XXXX XXXX did same thing and got same answer XXXX XXXX same request. Still no response. 

XXXX XXXX contacted them today and they said same thing. And that every time I contact them my request gets put at the back of the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear Experian, I am disputing the following items as inaccurate or inconsistent across national CRAs : XXXX ) XXXX XXXX XXXX  XXXX balance discrepancy ( {$490.00} vs. {$640.00} ). 
XXXX ) XXXX XXXXXXXX different bankruptcy and payment status across bureaus. 
XXXX ) Public record verify XXXX XXXX bankruptcy filing ( XX/XX/year> ). 

Please reinvestigate and correct or remove any unverifiable data. 

Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear TransUnion, I am disputing the following items on my report : XXXX ) XXXX XXXX  verify and correct balance discrepancies ( {$490.00} vs. {$640.00} ). 
XXXX ) XXXX XXXX inconsistent reporting of collection details across CRAs. 
XXXX ) XXXX XXXXXXXX Dispute resolved by grantor status not updated accurately post-bankruptcy. 

Please reinvestigate and provide a written response per the FCRA timelines. 


Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I am disputing inaccurate information on my credit report. The following items require reinvestigation : XXXX ) XXXX XXXX balance discrepancy between Equifax ( {$640.00} ) and other CRAs ( {$490.00} ). 
XXXX ) XXXX XXXX XXXX account inconsistency across bureaus. 
XXXX ) Bankruptcy inclusion flags verify accurate court disposition and update affected accounts. 

Please reinvestigate and provide a written response with an updated report.

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 2025-11-12 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: CT

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I trust all is fine. I am composing this letter concerning the accounts listed below. That is reflected on my credit report and is significantly impacting me. I am a victim of identity theft, and my information has been hacked, which explains the presence of these accounts on my credit report. These accounts significantly impact me, as they are not mine, and I should not bear responsibility for those established without my consent. I am confident that you would not like to pay for anything with which you have no familiarity, have not engaged in business, nor received any service. I am in the process of acquiring a home in 2025 and anticipate a promotion at my profession, which necessitates a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Bank Account Ending in XXXX Failure to Validate Debt and Inaccurate Credit Reporting I, XXXX XXXX, am submitting this complaint regarding the reporting and collection practices of Discover Bank in connection with a credit-card account ending in XXXX and a reported balance of {$1900.00}. 

After I formally requested full debt validation and a Form 1099-C, Discover responded on their letterhead acknowledging my dispute but failed to provide legal verification as required by federal law. Their reply merely stated that an account existed and charges were made, yet they did not produce a signed agreement, original contract, complete transaction history, or any documentation proving ownership or assignment of the alleged obligation. 

Despite this deficiency, Discover continues to report the account as derogatory/disputed to the three major credit bureaus. This violates multiple consumer-protection laws, including : Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ) failure to conduct a reasonable reinvestigation and ensure accuracy. 

Fair Debt Collection Practices Act ( 15 U.S.C. 1692g & 807 ( 8 ) ) failure to provide validation before further collection or reporting.

Uniform Commercial Code 1-308 & 3-501 failure to provide strict proof of claim while I have reserved my rights without prejudice.

12 C.F.R. 1022.42 violation of CFPBs duty-of-accuracy rules for furnishers of credit information. 

Why this violates my rights : The creditor has not met the legal burden of proof to verify the account. 

The continued reporting of unverifiable, disputed information damages my creditworthiness and violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ).

I have received no documentation showing that Discover lawfully owns or services the debt, nor any judgment confirming liability. 

Requested resolution : Require Discover Bank to provide complete, authenticated documentation validating the debt or immediately delete the trade line. 

Direct XXXX XXXX and XXXX  to reinvestigate and delete the account within 30 days if no lawful proof is produced.

Order Discover Bank to cease reporting until compliance is demonstrated. 

Provide confirmation of deletion and correction of all affected credit reports. 

Supporting documents attached : Discover Bank letter dated XX/XX/2025 ( response to dispute ) Credit report entry showing derogatory account I respectfully request CFPB oversight, sanctions if appropriate, and confirmation that my rights under the FCRA, FDCPA, and UCC have been upheld.

Company response to consumer: Closed with non-monetary relief