vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a documented XXXX XXXX XXXX displaced and experiencing extreme hardship. 

I opened a Capital One XXXX XXXX XXXX, secured with a {$200.00} deposit. My account became the subject of fraudulent activity, which I immediately reported. Capital One initiated a fraud investigation under Case Number XXXX. 

On XX/XX/scrub>, 2025, Capital One issued a resolution letter stating the fraud case was resolved, but they have failed to refund my {$200.00} security deposit, despite promising protection under their {$0.00} liability policy. 

During phone follow-ups, Capital One admitted they had no intention of refunding the deposit, refused to offer any resolution, and were dismissive of the fact that their mishandling had caused direct harm to a protected XXXX XXXX XXXX 

This mishandling and refusal to refund my deposit violates : Consumer financial protection laws Capital Ones own internal fraud policies Fair treatment obligations toward vulnerable populations, including XXXX XXXX XXXX  under the Violence Against Women Act ( VAWA ) protections. 

I have requested immediate refund of my {$200.00} deposit, compensation for financial harm and emotional distress, and proper handling of my case. Capital One has refused. 

Requested Resolution : Immediate refund of my {$200.00} secured card deposit Additional compensation for financial hardship, emotional XXXX  and Capital Ones negligence A formal apology and case correction acknowledging mishandling of a protected survivors account.

Company Name : Capital One Account Type : Credit Card ( Platinum Secured Card ) Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am the victim of identity theft, and I am submitting this complaint regarding fraudulent hard inquiries reported by Experian, Equifax, and TransUnion. 

I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX These were made without my consent, likely using my personal information by someone who knew me. When I contacted the bureaus, I was told I had to contact the banks directly. When I contacted the banks, I was told to go back to the bureaus. No one has provided me with any proof of authorization or consentnot even a recording, signature, or agreement.

I am now submitting this with a formal identity theft affidavit, and I am demanding that these unauthorized inquiries be removed from my credit report under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) for blocking fraudulent information due to identity theft FACTA Amendment which mandates that CRAs remove disputed items upon receiving proper identity theft documentation Please investigate and remove the above-listed inquiries 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 2025-04-29 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: IL

Complaint narrative:
I am the victim of identity theft, and I am submitting this complaint regarding fraudulent hard inquiries reported by Experian, Equifax, and TransUnion. 

I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX These were made without my consent, likely using my personal information by someone who knew me. When I contacted the bureaus, I was told I had to contact the banks directly. When I contacted the banks, I was told to go back to the bureaus. No one has provided me with any proof of authorization or consentnot even a recording, signature, or agreement.

I am now submitting this with a formal identity theft affidavit, and I am demanding that these unauthorized inquiries be removed from my credit report under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) for blocking fraudulent information due to identity theft FACTA Amendment which mandates that CRAs remove disputed items upon receiving proper identity theft documentation Please investigate and remove the above-listed inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
XXXX  XXXX XXXX  account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

This account is incorrectly reporting that I have XXXX late payments. On my Experian report there are XXXX late payments being reported. 

XXXX XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 

This account is incorrectly being reported as a charged off account with a balance due. Please delete the negative payment status on this account Under 15 U.S. Code 1692c, my rights were violated through unlawful communication by the debt collector. Due to this FDCPA violation and the inconsistency in reporting, I am requesting immediate removal of this collection from 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove this account and my fraudulent inquiries from my credit report. Thank you.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX XXXX XXXX is my maiden name ) deposited an insurance settlement check from XXXX XXXX in the amount of {$3500.00} into my Chase checking account by XXXX XXXX. The check was made payable to both myself and my vehicle lien holder, but XXXX misspelled the lien holders name ( XXXX XXXX XXXXs Applied ) As a result, my lien holder ( XXXX XXXX XXXX ) refused to endorse the check. Despite this, Chase accepted the deposit. 

Soon after the deposit, Chase closed my account without warning and withheld the full amount of the funds, refusing to release them or return them to XXXX. I have attempted to resolve this issue directly with Chase, but I have not received a clear explanation or resolution. I also requested that Chase return the funds to XXXX so a new, corrected check could be issued, but they have not complied. 

I am now out {$3500.00} and unable to repair my vehicle, which has caused serious financial hardship. My XXXX holder will not endorse the check due to the name discrepancy, and Chase will not cooperate in helping to fix the issue. I am stuck in the middle of a situation beyond my control, and Chases actions have prevented me from accessing insurance funds that rightfully belong to me and my lender. 

I am requesting the CFPB to investigate Chases handling of this matter and to help facilitate the return or release of the funds so that this issue can be corrected and resolved. 

Key Details : Amount : {$3500.00} Check issuer : XXXX XXXX XXXX : XXXX holder name misspelled ; check could not be endorsed Chase action : Closed account, froze funds, will not return funds Outcome sought : Release or return of funds so Progressive can reissue a corrected check Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : Equifax XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize this account please removed this from my credit report they are hurting my ability to obtain credit Also there is some hard Inquiries I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-29 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: NCB Management Services Inc.
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization and I made these companies aware of this. 

I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that if was requested can not be provided ; which it has not ; I'd like these accounts suspended or removed from my records. 

I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ITEM CODE XXXX XXXX ( CLOSED ) OPEN DATE XX/XX/XXXX BALANCES {$0.00} LAST PAYMENT UNKNOWN DISPUTE REASON ( MARKED AS CHARGE-OFF BUT NO PAYMENT OR VALIDATION DATA REPORTED ) ACTION REQUESTED [ DELETE FOR LACK OF ACCURACY UNDER 1681e ( b ) ITEM CODE XXXXXXXX XXXX XXXX OPEN DATE XX/XX/XXXX BALANCE {$250.00} LAST PAYMENT XXXX XXXX DISPUTE REASON ( STATUS SHOWS 30-59 DAYS LATE, BUT RECORD LACKS VERIFICATION ) ACTION REQUESTED [ REMOVE INACCURATE STATUS PER 1681e ( b ) ITEM CODE XXXXXXXX XXXX XXXX OPEN DATE XXXX XXXX BALANCE {$10000.00} LAST PAYMENT XXXX XXXX DISPUTE REASON ( 90-119 DAYS LATE STATUS SIGNIFICANTLY IMPACTS SCORE, NOT PROPERLY VALIDATED ) ACTION REQUESTED [ DELETE OR CORRECT ITEM ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-04-29 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: CA

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Honest truth, I was young wasn't aware of scammers. XXXX I applied for a fake job application got my XXXX stolen. Throughout the years accounts have been fraudulently open, and I have fraudulent addresses on my account. I tried explaining to this company that this wasn't me and they still forced me to pay. I did pay a little out of fear but It wasn't me at all. I have a police report, and I explained everything. I pray you can help me please. I am trying to get my life together, but this is bringing XXXX XXXX. I have been having XXXX  and XXXX since this happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am writing to formally request the full discharge and dismissal of the following XXXX XXXX XXXX  accounts, which I believe are subject to cancellation under the * XXXX XXXX XXXX * class action settlement : - XXXX - XXXX - XXXX - XXXX As a class member eligible under the * XXXX XXXX XXXXXXXX * settlement, I attended XXXX XXXX XXXX, one of the institutions listed in Exhibit C of the final agreement. The settlement became effective on XX/XX/XXXX, and grants automatic relief to borrowers who submitted a Borrower Defense application on or before XX/XX/XXXX, for attendance at institutions that engaged in substantial misconduct. 
Despite the terms of the settlement requiring full loan discharge, I have observed that these loans have either been resold or re-agedactions that are inconsistent with the terms of relief guaranteed under the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
Here is the list of fraudulent inquiries : 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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a 2024 XXXX XXXX from Carvana, with financing serviced by XXXX XXXX. The transaction involved multiple legal violations, including undisclosed fees, inaccurate finance charge disclosures, and a misrepresentation of the vehicles XXXX ( advertised as XXXX, delivered as blue ). 

I exercised my federal right to rescind the contract on XX/XX/year>, under the Truth in Lending Act. Despite proper notice, Carvana and XXXX have refused to honor the rescission, refund my payments, or release the lien on the vehicle. 

Instead of resolving the matter, I have been subjected to repeated threats, harassment, and unlawful collection attempts. This conduct is not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$8600.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Court XXXX XXXX XXXX  NC XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Court Federal XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Court U.S. Bankruptcy Court XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resconsumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$8600.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Court XXXX XXXX XXXX  NC XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Court Federal XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Court U.S. Bankruptcy Court XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resconsumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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