vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
We called a XXXX  customer service number because we were denied boarding in XXXX. 
They claimed to have booked a XXXX flight and charged our credit cards. No flight was booked. It turned out to be scammers We then booked the same XXXX flight and got home We have sent proof to Capitol one. The double charge and statement from XXXX that the charge is fraudulent and no booking was made by them. 
Capitol one doesnt investigate and keeps telling me I am responsible. They can clearly see the booked flight by my husband using his Capitol one card. Why should we pay for the same flight twice? One for the actual flight and then a second ( same Flight ) to the scam artists. 
Capitol one is my credit card company and they are supposed to protect me and investigate. They have not done this and its causing me lots of time and stress to deal with this. 
Im probably going to have to hire a lawyer because they will not do their job

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Today, XX/XX/year> around XXXX XXXX, I received a call from " XXXX '' about a new account opened and XXXX fraudulent Zelle transactions in the amounts of {$1600.00} & {$1400.00}. Supposedly from a XXXX in Connecticut from an XXXX phone. CASE ID # XXXX. Per XXXX XXXX, she canceled the transactions ; {$1600.00} XXXX and {$1400.00} XXXX. Then I was transferred to a fake Zelle person XXXX XXXX, where I was told urgently that I needed to go into my Zelle account, with him on the line, to cancel the pmts that were on hold and not yet released. Also said they were in transit. When I said I can't access right now, they said I could do my due diligence and call them back at XXXX. But that there would be a long wait since they were so busy. They rambled on and on talking really fast and had accents and mentioned a police report. Also couldn't give me a claim number until I accessed my Zelle account. As a note I already have a fraud alert on my credit reports so no new accounts can be opened, so obviously this was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/year>XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Disputed Charge with Barclays ( Case # XXXX ) Dear Sir or Madam, I am writing on behalf of my mother, XXXX XXXX, to request your assistance with an ongoing dispute involving Barclays. On XX/XX/XXXX, a {$5000.00} charge from a merchant was posted to her Barclays account. We have provided Barclays with proof that this payment was made in cash directly to the merchant at the time of delivery, and therefore the charge is invalid. 

We immediately placed the charge in dispute and were informed by Barclays that they would investigate. In the meantime, we were assured that a temporary credit would be applied to prevent the account from being overdrawn during the investigation. 

Faith spoke with several Barclays representatives on multiple dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Each representative assured her that the temporary credit would be issued within one to three days. They documented the issue under the following case numbers : XXXX, XXXX, and XXXX. Despite these assurances, the temporary credit has not been applied, and the primary dispute case number is XXXX. 

We are deeply concerned about the financial hardship this delay is causing. We kindly request the CFPBs assistance in ensuring Barclays follows through on their commitment to issue the temporary credit and resolves the dispute promptly. 

Thank you very much for your attention. 

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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
Today ( XX/XX/year>XXXX  XXXX XXXX XXXX  ) I received an email from Chime that my account had changed in XXXX, NC ( I live in XXXX, VA ), a new phone number was entered/added and I since have lost access to the account. I tried to re-access my account and could not. I tried calling and they gave me a run around to get into my account, saying that they needed information that they didn't, they sent me codes to give them even though in the prompt it says " Chime will never contact you to ask for this passcode. '' When they kept sending the code I ended up ending the call. Regardless of what website or elsewhere that I try to access help there is no form or place that gives me information. I have since placed freezes on my accounts, and now I received an email at XXXXXXXX XXXX that my Chime Credit card has shipped and that I can use it from my device ( even though I did not open this card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my 2nd Complaint Against Experian Information Solutions for FCRA Violations. My original and current Complaint ID : XXXX I am filing this 2nd complaint against Experian Information Solutions for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On XX/XX/year>, I submitted a formal written dispute identifying multiple inaccuracies and deficiencies in my Experian credit file, including : Incorrect and outdated personal information ( names, addresses, employers ) Unauthorized credit inquiries Collection accounts lacking proper validation under the FDCPA Accounts reported inaccurately and not in compliance with Metro 2 reporting standards Along with my dispute, I submitted more than sufficient proof of identity, including a New Jersey State Drivers License, Social Security Card, and a signed Lease Agreement. 

Despite this, Experian has : Failed to complete a reasonable reinvestigation within 30 days as required by law. 

Returned multiple incomplete responses on XX/XX/year>XXXX  and XX/XX/year>, leaving disputed accounts in pending status with no substantive findings. 

Issued updated results on XX/XX/year>XXXX  that verified some items but failed to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Sent me a notice on XX/XX/year>XXXX  demanding yet another round of identity verification despite already having my drivers license, Social Security card, and lease agreement on file. This appears to be a stall tactic to improperly extend the investigation period beyond what the FCRA permits. 

I am submitting this additional complaint because Experians actions are causing me ongoing harm, including the continued reporting of unverifiable and inaccurate information on my credit 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 2025-08-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 Date Opened : XX/XX/XXXX, Balance : {$670.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MA

Complaint narrative:
I reviewed my credit reports again and found that several negative accounts continue to be reported inaccurately. XXXX XXXX XXXX  is showing a charged-off credit card with a balance of {$690.00} as still past due, and late payments are being re-aged into XXXX and XXXX even though the accounts last activity was in XXXX. XXXX XXXX XXXX is reporting an auto loan charged off with a balance of {$41000.00}, but it continues to list the account as past due long after closure and is extending late codes through XXXX without providing proof of repossession, sale, or deficiency calculation. XXXX is listed as charged off and sold, yet derogatory activity is still being reported after the sale date. XXXX is reporting a {$26.00} balance with the comment First payment never received, but no signed contract or proof of delivery has been provided. XXXX XXXX XXXX is reporting two separate collection accounts for {$1300.00} and {$980.00}, yet they fail to properly identify the original creditor and are inaccurately coding the balances as past due. XXXX XXXX XXXX is reporting a {$900.00} collection but the original creditor information is inconsistent across bureausone report shows XXXX XXXX, another shows XXXX XXXX itself as the lender. These errors have persisted despite earlier disputes and the companies have failed to correct or verify the information properly, which has caused ongoing damage to my credit.

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 2025-08-18 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: MA

Complaint narrative:
I reviewed my credit reports again and found that several negative accounts continue to be reported inaccurately. XXXX XXXX XXXX  is showing a charged-off credit card with a balance of {$690.00} as still past due, and late payments are being re-aged into XXXX and XXXX even though the accounts last activity was in XXXX. XXXX XXXX XXXX is reporting an auto loan charged off with a balance of {$41000.00}, but it continues to list the account as past due long after closure and is extending late codes through XXXX without providing proof of repossession, sale, or deficiency calculation. XXXX is listed as charged off and sold, yet derogatory activity is still being reported after the sale date. XXXX is reporting a {$26.00} balance with the comment First payment never received, but no signed contract or proof of delivery has been provided. XXXX XXXX XXXX is reporting two separate collection accounts for {$1300.00} and {$980.00}, yet they fail to properly identify the original creditor and are inaccurately coding the balances as past due. XXXX XXXX XXXX is reporting a {$900.00} collection but the original creditor information is inconsistent across bureausone report shows XXXX XXXX, another shows XXXX XXXX itself as the lender. These errors have persisted despite earlier disputes and the companies have failed to correct or verify the information properly, which has caused ongoing damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I am submitting this complaint to dispute unauthorized credit inquiries that appear on my Equifax report. Instead of mailing the dispute separately, I have attached my dispute letter directly to this CFPB complaint to make sure it is received and processed. The inquiries I am challenging are : XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XX/XX/2024. 

I want to be sure that Equifax reviews my dispute properly and provides a timely response. I trust that the CFPB will forward this submission and its contents to the credit bureau as part of their standard complaint process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Finance, as lienholder, filed an insurance claim under my XXXX XXXX policy without my knowledge or consent on Friday XX/XX/XXXX. I was never contacted, notified, or given the opportunity to approve or dispute this action. 

I only learned about the claim when my insurer ( XXXX XXXX ) contacted me and showed me documents that Kia Finance had submitted. This action was taken entirely without my authorization, and I believe it was improper and misleading.

This is not the first issue : previously Kia Finance also attempted to hold me responsible for {$10000.00} after my prior vehicle was declared a total loss. This creates a pattern of harmful practices. 

I am already pursuing this matter with the California Department of Insurance, but Kia Finance must also be held accountable for their conduct on the federal level.

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 2025-08-18 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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