vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/year> with a balance of {$690.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
I am attempting to dispute these charges as the merchant has gone dark, their support phone and email both go nowhere now, and I cant withdraw the money I won gambling on their site. 
Capital one bank has repeatedly refused to refund these transactions, I have called several times and send over XXXX faxes and usps letters full of proof the merchant has scammed me. 
I sent them one final demand letter on XX/XX/XXXX giving them 15 days to refund me, and since then they reopened those disputes and then immediately closed them again in the merchants favor. The merchant is a scam and it exit scammed keeping my money and I want the money I deposited back please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Formal Demand for Reimbursement of Fraudulent Transactions Account Ending in XXXX Dear Capital One Dispute Team, I am writing to formally demand reimbursement for the following disputed transactions totaling {$9100.00} made to a foreign company I believe to be fraudulent : Transaction Date : XX/XX/XXXX Amount : {$1900.00} Merchant : XXXX Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX  Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX Merchant : XXXX Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant XXXX XXXX Merchant : XXXX  Transaction Date : XX/XX/XXXX Amount : {$890.00} Merchant : XXXX  These transactions were made under false pretenses. I acted in good faith and was misled by this merchant, which constitutes fraud. Upon discovering the fraud, I promptly reported the issue to Capital One on XX/XX/XXXX. 

Despite this, my disputes were denied on several occasions, without adequate explanation or documentation justifying the banks decision. I am concerned that your investigation may not have complied with the procedures outlined under the Truth in Lending Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I am writing to formally dispute hard inquiries listed on my credit report that were made without my knowledge or consent.

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 2025-05-10 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding an unresolved issue with my business checking account. For over 60 days, my account has been under review or restricted without explanation, resolution, or any meaningful communication from Capital One. 

Despite multiple attempts to obtain clarity and updates, I have not received any written or verbal communication explaining the cause of the delay or the steps being taken to resolve the matter. I have not been provided with any timeline, reason, or resolution pathway. This lack of communication has negatively impacted my ability to conduct regular business operations, posing both financial and reputational harm. 

As a business customer, I find this extended delay and silence unacceptable. I am requesting the Consumer Financial Protection Bureau to investigate this matter and assist in obtaining a timely resolution. I am prepared to provide all supporting documentation, including account information, emails, and call logs, upon request. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called Mohela to address a concern about my student loans. I waited on the line for over XXXX hours just to get to a representative. My concern is that my student loans are accumulating interest even though they are on the XXXX plan. The representative told me they are escalating my concern and that I should see the interest removed from my loans and all my loans placed at 0 % interest rate within XXXX business days. I called again on XX/XX/XXXX because my loans are still accumulating interest. I spoke to representative XXXX who looked into my accountshe said she noted communication was logged for my call on XX/XX/XXXX, she said she sees I had a conversation about the interest, but no escalation was done. I again asked her to escalate this issue as it is frustrating that it takes hours to reach a representative just for representatives to not follow through on requests. She then stated that Mohela has nothing to do with the interest rates, they only service the loans and the rates are corrected by Federal Student Aid. This makes no sense since Mohela is handling the account. It seems like Mohela is unwilling to help and shifting blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-05-10 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: Self Financial Inc.
State: SC

Complaint narrative:
I am filing a formal complaint against Self Financial, Inc. regarding account number XXXX, which is fraudulently being reported on my TransUnion credit report. This account was previously deleted nearly one year ago after being identified as unauthorized, yet has now reappeared without justificationa direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft, with supporting documentation already submitted to Self Financial and the FTC. Despite this, Self Financial has denied my claim and continues to report the account as valid, citing nothing more than public records, login activity, and online access as proof of account ownership. This is not sufficient verification under the FCRA, nor does it constitute evidence of my knowledge or consent.

At no time did I authorize, sign, or agree to any account with Self Financial. There is no signed contract, no valid application with my consent, and no verified documentation linking me to this accountonly circumstantial data that could have easily been manipulated by the party who stole my information.

Self Financials refusal to remove this fraudulent tradeline despite the following facts constitutes multiple FCRA violations : FCRA 611 ( a ) ( 5 ) ( B ) : The account was previously deleted, yet was reinserted without proper certification or required notice from TransUnion within five business days. I received no such notice, in violation of this section.

FCRA 623 ( a ) ( 1 ) ( A ) : Self Financial is knowingly furnishing inaccurate and disputed information after being notified of a potential identity theft claim.

FCRA 607 ( b ) : They have failed to follow reasonable procedures to assure maximum possible accuracy.

FCRA 623 ( a ) ( 3 ) : After receiving notice of the dispute, Self Financial has continued to report this account without conducting a reasonable reinvestigation or providing valid supporting documentation. 



I request the Consumer Financial Protection Bureau take immediate action and investigate the following : Why Self Financial is allowed to report an account that was previously removed. 

Why they are relying solely on public data and login activity ( which can easily be spoofed or hacked ) to validate account ownership. 

Why no legally binding contract or application signed by me has been provided. 

Why TransUnion is the only bureau reporting this account if it is allegedly valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
XXXX XXXX, 230-69-3607, 230-13-4904, XXXX\nThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX \n \nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX   as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-05-10 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: MS

Complaint narrative:
Credit was pulled by several credit unions that Im unaware and they are hard inquiries 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 2025-05-10 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:
Key Facts : Loan Satisfaction : On XX/XX/year>, my vehicle was declared a total loss. XXXX XXXX XXXX remitted payment to XXXX XXXX XXXX to satisfy the loan in full. XXXX accepted this payoff, and no balance remains owed. 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 2025-05-10 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: PA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that appears on my Experian credit report from XXXX  XXXX XXXX, dated XX/XX/year>. I did not apply for any credit, loan, or financial product with XXXX  XXXX XXXX, nor did I authorize them to access my credit report. This inquiry is negatively impacting my credit profile without justification. I contacted Experian to request the removal of this inquiry, as it was not initiated by me. However, they have failed to take appropriate action or provide any documentation that would verify my authorization of this inquiry. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter. Specifically, I want Experian to : 1. Remove the unauthorized inquiry from my credit report 2. Provide a clear explanation of how this inquiry was verified ( if they claim it was ) 3. Prevent future unauthorized inquiries from appearing without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that appears on my Experian credit report from XXXX  XXXX XXXX, dated XX/XX/year>. I did not apply for any credit, loan, or financial product with XXXX  XXXX XXXX, nor did I authorize them to access my credit report. This inquiry is negatively impacting my credit profile without justification. I contacted Experian to request the removal of this inquiry, as it was not initiated by me. However, they have failed to take appropriate action or provide any documentation that would verify my authorization of this inquiry. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter. Specifically, I want Experian to : 1. Remove the unauthorized inquiry from my credit report 2. Provide a clear explanation of how this inquiry was verified ( if they claim it was ) 3. Prevent future unauthorized inquiries from appearing without my consent

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 2025-05-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I called Exeter finance numerous of times they told me they thoroughly investigated the situation I now have proven evidence that I in fact had 2 liens on the vehicle at the time I was the owner and on page one it states any holder of this contract subject to all claims I made numerous calls to exeter finance My signature was forged on title which I informed Exeter finance and now I see why can you please explain how did you guys not know that XXXX XXXX XXXX had to XXXX on your vehicle that you guys held interest in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I created a XXXX account and accidentally entered the wrong name. I later submitted my real government-issued ID and XXXX promised XXXX correct the name and verify my account. However, after I submitted my ID, they permanently restricted my account and refused to verify it. I also asked to remove my linked Visa card, and they refused without reason. 

I was misled by XXXX agents who clearly XXXX they would help me once I provided my real ID. I now want my account limitation lifted or my XXXX card unlinked. I demand accountability for misleading promises and the time I wasted. 

: XXXX XXXX

Company response to consumer: Closed with explanation