vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am filing a dispute with TransUnion for inquiries and late payment entries that are inaccurately reported on my credit file. These entries should be thoroughly investigated and removed if found to be incorrect. 

Inquiries : XXXX XXXX, Date : XXXX XXXX  XXXX, Date : XXXX XXXX, Date : XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-04 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: OH

Complaint narrative:
I am disputing multiple items on my TransUnion credit report that I believe to be inaccurate or improperly reported. I request a thorough investigation of these accounts, inquiries, and late payments in line with FCRA regulations. 

Charged Off Accounts : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$960.00} Dispute : This account is inaccurately reported. The details do not reflect proper updates in accordance with FCRA regulations. 

Inquiries : XXXX Date of Inquiry : XX/XX/year> Dispute : This inquiry is invalid, and I request a verification or removal per FCRA regulations. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX Dispute : This late payment is inaccurately reported, and I request the investigation and removal of the inaccurate information.

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 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX XXXX  between XXXX and XXXX a female person called her and told us they were from our bank security department and they were going to help us with a fraud attempt on our checking account. 

The well educated team of fraudsters used ACH and somehow transferred {$670000.00} from our business checking account. 

My wife went to the bank same day, right after XXXX and reported it in person. 

The bank told us that there would be a 45 day investigation and they would call us after that period. 

That was 73 days ago and we have heard nothing from anybody.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint to dispute a collection account that appears on my credit report. I believe this account is inaccurate and/or has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this matter directly with the collection agency and credit reporting bureaus, the account remains on my report without sufficient validation. 

I request that this matter be investigated and that the collection be removed from my credit report if the furnisher or credit bureaus can not provide documented verification proving the accuracy and ownership of the debt. Please provide a full investigation and written confirmation of the findings. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase using Chase Bank and Credit Card XXXX XXXX XXXX XXXX ending in XXXX. On XX/XX/XXXX I used XXXX points for an XXXX XXXX XXXX. After the transaction was done, I noticed that the XXXX was not included as it was supposed to be so I called and cancelled the order on the same Day. I called 3 more times within a 3 week period to see when my order was officially cancelled. I received an email on XX/XX/XXXX that the order was indeed cancelled and that I should receive full credit of XXXX points within 5-7 business days. I received on XX/XX/XXXX only a half credit of XXXX points. I called 3 times and every time I was told they were working on it and that I should receive the other half of the credit within 3-4 days. I asked to speak to a manager, but a manager was never available and would call me back ; which they did not. I still have not received the balance of the credit of XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am filing a dispute with Equifax regarding several inquiries and late payment entries on my credit report, which I believe to be inaccurate or unverifiable. I request that these items be reviewed and corrected as necessary. 

Inquiries : XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX  Date : XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: KY

Complaint narrative:
I began attempts to transfer {$50000.00} from my XXXX XXXX account to an external bank account in XXXX XXXX. The bank was unable or unwilling to complete the external bank account verification. Upon multiple attempts throughout XXXX, the transfer problem was not resolved. Fortunately, I was able to initiate a transfer of {$450000.00} from an external bank. Subsequently, XXXX completed the original {$50000.00} transfer I initiated. However XXXX then reversed the transfer causing me to overdraw at the external bank and causing other bills not to be paid from the external bank. XXXX then restricted me from making external transfers, making it impossible to access my funds, whether initiated by XXXX or any external bank. I contacted XXXX on XX/XX/XXXX to lift the restriction. I was told it would be completed within 3-5 business days. I contacted them again XX/XX/XXXX and was told the restriction lift was not requested and that I would be contacted within 48 hours with an update. 

Being concerned about the financial integrity of XXXX, I decided to move my deposits to an external bank in XXXX. I believe XXXX is now punishing me for this action and is withholding the remaining {$50000.00} and not allowing me access to the funds. The delay tactics are unfair, bordering on regulatory noncompliance but certainly unethical behavior.

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 2025-11-04 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are inaccurate and should be corrected : XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$960.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX, {$3700.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$870.00} XXXX XXXXXXXX, XX/XX/XXXX, {$660.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$180.00} I am also disputing the following inquiries on my Equifax report as they are either XXXX or incorrectly listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Positive accounts listed, which I am not disputing, include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The late payment reported with XXXX XXXX XXXXXXXX, needs to be reviewed and corrected if applicable .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I believe the following accounts on my Equifax report are inaccurately reported, and I request a full review and correction where necessary : XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} The reporting for this account is incorrect. I request verification of this item. 

XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} I believe this account is not accurately reported, and I request a review of its status. 

XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} There are multiple entries for the same account. Please verify and remove any inaccuracies or duplicates. 

XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} As above, this entry XXXX be incorrect or a duplicate. Please review. 

XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX dispute this entry and request that it be reviewed for accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and request the removal of a charge-off listed on my credit report. The account in question is as follows : Creditor Name : Santander Consumer USA Account Number : XXXX Date Opened/Reported : XX/XX/XXXX This account is being reported inaccurately and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



After the account was charged off, I was contacted directly by telephone regarding this debt. This action constitutes illegal communication under federal law once the account has been charged off and/or placed with a third-party collector. Once an account has been written off or sold, the original creditor no longer has a legal right to pursue direct collection activity, including phone contact. This unlawful contact invalidates the reporting of the charge-off and makes the continued listing of this account inaccurate and misleading. 



Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally requesting that this item be immediately investigated and deleted from my credit report. 

If the bureau can not verify that this charge-off is being reported and collected in full compliance with federal law, it must be removed from my file. 



Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report reflecting the deletion of the disputed item. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XX/XX/XXXX Last 4 Digits of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I believe the following accounts on my TransUnion report are inaccurately reported, and I request a full review and correction where necessary : XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} I dispute the accuracy of this entry and request that TransUnion thoroughly investigate. 

XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Please review this accounts status and correct any inaccuracies. 

XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} I believe this entry to be inaccurate and request a correction. 

XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Duplicate entry; please investigate and update the records. 

XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy with this entry. Please verify and amend as necessary. 

Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please review the inquiry made by XXXX XXXX XXXXXXXX, as it XXXX have been incorrectly linked to my credit file. 

Positive 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

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Date : XXXX The CBE Group INC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by The CBE Group INC. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DOE XXXX - XX/XX/XXXX - {$3900.00} DOE XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XX/XX/XXXX - {$0.00} DOE XXXX - XX/XX/XXXX - {$5000.00} DOE XXXX - XX/XX/XXXX - {$7000.00} DOE XXXX - XX/XX/XXXX - {$7400.00} DOE XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XX/XX/XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a Capital One Platinum cardholder. On or about XXXX XXXX, Capital One offered me an upgrade to the XXXX card, which included a promotion : earn XXXX miles after spending {$500.00} in the first three months and some other cards with their benefits. I accepted the upgrade based on these terms. 

After completing the upgrade, and since 3 months have passed I contacted the bank today ( XX/XX/scrub>XXXX XXXX XXXX  ), Capital One informed me that I am not eligible for the bonus because I am not a new customer. At no point in the offer was it disclosed that existing customers were excluded from this promotion. 

I contacted customer service about this issue. The agent who assisted me was XXXX ( XXXX ), and I later spoke with the supervisor XXXX. Both informed me that the bonus could not be applied. 

I requested that Capital One honor the XXXX promotional bonus as advertised on their website, but the customer service representative denied my request. I am submitting this complaint to request that Capital One apply the bonus or provide documentation showing that existing customers were explicitly excluded in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: WA

Complaint narrative:
I needed a new XXXX  system at my primary residence. I went through XXXX and the system was sold and installed through XXXX XXXX XXXX XXXX They advised me that I could take advantage of a special loan program with a low interest rate. Since it was through XXXX it was reputable. So I financed the new system {$22000.00} and began payments through GreenSky. 

I just checked the status of my loan, and after XXXX payments of almost $ XXXX, my balance is STILL over {$21000.00}. Unbeknownst to me, the low interest rate was a teaser rate that expired less than a year into the loan and the rate skyrocketed to almost XXXX % APR. How is this type of bait and switch legal?

Company response to consumer: Closed with explanation