vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
The credit entries on my file are the result of unauthorized identity fraud, as I have never executed any agreements or provided legitimate authorization for these accounts to be established under my name. I have already contacted your company regarding this critical situation and am now making a formal demand for the immediate suppression and elimination of these fraudulent accounts from my credit report. The continued reporting of these false items has resulted in considerable XXXX XXXX and economic obstacles, creating an inaccurate representation of my actual financial obligations and payment behavior. Should you fail to address this issue adequately, I will be compelled to pursue all available legal channels to defend my consumer rights and obtain appropriate remedies. These illegitimate entries have substantially hindered my capacity to secure necessary financing for essential life objectives, including property ownership and providing financial stability for my household.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/year> I reviewed my credit report and noticed there was inaccurate information. 
I am filing this complaint because the credit reporting agencies have failed to maintain accurate and complete information in my credit file, in violation of the Fair Credit Reporting Act, specifically XXXX XXXX 15 U.S.C. 1681e ( b ) XXXX XXXX I notified the bureaus that certain personal information being reported was inaccurate. Despite my communication, they continued to report this incorrect data without conducting a reasonable reinvestigation or ensuring the maximum possible accuracy of the information. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Their failure to correct or verify the disputed information after being notified constitutes a breach of this statutory obligation. This has caused harm to my creditworthiness and may have affected my ability to obtain credit or other services. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit bureaus comply with their legal responsibilities under the 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-07 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: MA

Complaint narrative:
Of course. That's a critical detail to add as it further demonstrates that you were following their instructions in good faith, which directly led to the delay they are now penalizing you for. 

Here are the updated sections. I've integrated this new information into the timeline. 

What happened? 
My complaint is against Capital One for its failure to properly investigate my dispute over a {$4000.00} charge from a deceptive merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite receiving clear evidence of the merchant 's misconduct, Capital One provided conflicting guidance and instructions that caused my case to be unfairly dismissed. 

The merchants transaction is invalid for XXXX key reasons : Deceptive Transaction Process : The merchants own evidence, which I provided to Capital One, proves they captured my {$4000.00} payment XXXX minutes before I was ever shown their terms and conditions or strict no-refund policy. Consent was coerced after my money was already taken. 

Material Misrepresentation of Service : The service provided was materially different from what was advertised, amounting to a common online course scam where the value and content delivered failed to match the promises made. 

Here is the timeline of Capital One 's procedural failures : XX/XX/year> : I filed the initial dispute. 

XXXX : I received a letter from Capital One closing the case but allowing me to submit additional information by XX/XX/XXXX. 

XX/XX/year> : Well before the deadline, I submitted XXXX detailed letters with extensive evidence and exhibits proving the merchant 's deception. 

XXXX XXXX XXXX : Instead of addressing my evidence, a Capital One representative denied the claim on a technicality ( the dispute category ) and explicitly instructed me to first try and resolve the issue directly with the merchant. 

Following Instructions : Following Capital One 's guidance, I attempted to resolve the issue by opening a formal resolution case on the merchant 's platform, Whop.com, and reached out to the merchant multiple times. The merchant was unresponsive. 

XX/XX/year> : After my attempts to work with the merchant failed per Capital One 's instructions, I called them back to proceed. It was then that I was given XXXX contradictory instructions over XXXX separate calls, with the final representative telling me I could no longer reopen the case because the XX/XX/XXXX deadline had passed. 

Capital One instructed me to take actions that consumed time, then used the passage of time as the reason to deny my claim. They ignored the substance of my well-documented case and created a confusing process that made a fair outcome impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This account is being reported on my credit file as negative, I do not have any knowledge of this account. I have had multiple problems with capital one bank in the past with fraudulent accounts and credit cards being opened in my name and being added as an authorized user without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I started an XXXX  process with XXXX XXXX, but I regretted and decided not to move forward with my process, so I decided I wanted to take my money back and asked XXXX XXXX to return my money to my bank account at Bank of America

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit entries on my file are the result of unauthorized identity fraud, as I have never executed any agreements or provided legitimate authorization for these accounts to be established under my name. I have already contacted your company regarding this critical situation and am now making a formal demand for the immediate suppression and elimination of these fraudulent accounts from my credit report. The continued reporting of these false items has resulted in considerable XXXX XXXX and economic obstacles, creating an inaccurate representation of my actual financial obligations and payment behavior. Should you fail to address this issue adequately, I will be compelled to pursue all available legal channels to defend my consumer rights and obtain appropriate remedies. These illegitimate entries have substantially hindered my capacity to secure necessary financing for essential life objectives, including property ownership and providing financial stability for my household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to dispute the following information on my credit report. The account listed above contains inaccurate/erroneous information that is negatively impacting my credit score. I request that you investigate and correct this information. 

The specific reasons for the dispute are : XXXX. Inaccurate payment history XXXX. Incorrect account status XXXX. Unauthorized inquiries or accounts I request that you : XXXX. Delete the disputed information from my credit report XXXX. Update my credit report to reflect the accurate information XXXX. Send me a copy of my updated credit I have attached a copy of my identification and proof of address for your reference. Please find the documents below : - Copy of ID : [ Driver 's License/State ID/Passport ] - Proof of Address : [ Utility Bill/Lease Agreement ] I would appreciate it if you could expedite this investigation and resolve this dispute within the XXXX timeframe mandated by the FCRA. If you find that the disputed information can not be verified, please ensure that it is removed from my credit Accounts and names disputes : USC CODE 1681 b 2 1602 a 1 1681a2ai 1692 1666b 1601 Address that not to be on my credit report XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 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 am personally initiating this dispute to challenge inaccurate delinquency marks that have appeared on my credit file. After conducting a careful examination of my credit report, I have identified these erroneous late payment entries that need immediate correction. My previous correspondence submitted more than XXXX days ago has gone unanswered, and no adequate verification has been furnished to substantiate these disputed negative items. I am seeking your direct involvement to quickly and effectively resolve this credit reporting error.

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 2025-10-07 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$280.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1600.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$720.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$970.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$720.00} INQUIRIES : 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

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 2025-10-07 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-07 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC XXXX XXXX XXXX XXXX ( Acct # XXXX  XXXX ), originally from XXXX XXXX Bank, which is being reported on my XXXX, XXXX, and XXXX  credit files. This account is being reported in violation of multiple federal statutes due to the absence of proper validation and verifiable ownership records : 1 Under FCRA 1681e ( b ), all information furnished to the bureaus must be accurate and verifiable. XXXX is reporting an account without producing a signed contract, full payment history, or original charge-off documentation from XXXX XXXX XXXX  XXXX XXXX Under FCRA XXXX681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a reasonable reinvestigation ; however, no competent evidence has been provided to verify this debt. XXXX Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be promptly deleted following reinvestigation. XXXX Under FDCPA 809 / 15 U.S.C. 1692g, a debt collector must provide validation before furnishing data or engaging in collection activity. LVNV Funding and its servicer Resurgent Capital Services have failed to comply with this validation requirement. I request that the CFPB investigate and compel LVNV Funding LLC and the credit bureaus to produce the required debt validation documentation. If they can not provide signed contracts, itemized billing, and proof of assignment, I request immediate deletion of this account from all reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened up a Chase Sapphire Card with Chase Bank on XX/XX/year>. I was using perfectly and everything, but I began experiencing more and more issues. First, they began blocking any transaction over a {$100.00} Chase knows I make over {$100000.00} a year. Then, they began blocking any foreign transaction I made even though I called, and went to a local branch, telling them I was traveling frequently. On XX/XX/year>, Chase just permanently closed my account without giving me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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