vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: KY

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

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 : {$0.00} 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 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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Plastiq Inc.
State: TX

Complaint narrative:
Plastiq processed XXXX payments for me ( XXXX by check, XXXX by ACH ). My vendor states that their bank never credited the funds from either payment. 

Plastiq only provided the deposited check images. The vendor reports that their account has not been credited. 

For the ACH, Plastiq only provided a XXXXXXXX XXXX XXXXXXXX. The vendor reports their account has not received any ACH credit. 


I have repeatedly asked Plastiq to provide bank-level settlement proof ( final paid date for the check, ACH settlement confirmation, or any return codes ). Plastiq has failed to provide this proof for more than 30 days. 

On XX/XX/year>, I gave Plastiq a final deadline to provide settlement confirmation. I made it clear that if they failed to respond by that deadline, I would escalate the matter through my credit card issuer and by filing this complaint. Plastiq did not provide the required settlement proof by that deadline. 

This lack of transparency has left me without confirmation that the payments were properly delivered, preventing me from recovering the funds without escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was looking for offer to do balance transfer and by mistake I ordered a new credit card. in les than XXXX minutes I contact the company. I explained the situation, and they told me that there are no issues, and they can fix it. They cancel the credit card application but not the hard inquiry. So, there is the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OR

Complaint narrative:
This complaint is not made in error. My credit report contains inaccuracies that continue to cause me significant harm, both personally and financially. These errors are unacceptable, and their ongoing impact is deeply concerning. It is imperative that these issues be corrected without delay.

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 2025-09-11 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 writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I've had visited the XXXX located at XXXX XXXX XXXX XXXX XXXX, TX XXXX to make ( XXXX ) withdrawals of {$300.00} each on XX/XX/year> at XXXX central time. i had a balance of {$650.00} on my USbank reliacard ( where i receive my unemployment benefits ) before doing the transactions. My first withdrawal dispensed the {$300.00}, the second withdrawal of {$300.00} the ATM shut off right before the money was about to dispense, i checked my balance and it was at {$57.00} which it deducted the second transaction without dispensing the money. I notified the clerk at the XXXX and told me that she couldn't do anything about it besides me calling the XXXX number listed in the ATM machine to resolve the issue, as i called while waiting there at the location just in case the ATM turned back on, the agent suggested to call the number on the back of my card which i did and the agent mentioned that i had to do a transaction dispute, which i got the forms XXXX  days later, filled them up and faxed them back to them which at the end they denied it due to that no error occurred and that the amount was dispensed for the second transaction. I took it upon myself to file a police report to be able to obtain the surveillance video footage from that day of the issue for evidence and from the time i left around XXXX to the time a service technician showed up at XXXX I've noticed that she was there for over an hour trying to troubleshoot the atm machine and she knew that something was stuck in the dispenser and acting shady, at the end she ended up replacing ( by what it looks like on the footage ) the part where i believe is the dispenser part of the ATM where the money was stuck. i called back to the XXXX number listed on the ATM a XXXX which is a part of XXXX XXXX leader of ATM 's owner and operations company which service the ATM 's where their network is XXXX and explained to them that i had the surveillance footage of what happen and told me that i had to call back the number on the back of my card to file a dispute which i mentioned i had already gone through all that, i told them that the issue was on their end. As far as XXXX concerned the ATM machine have an internel log malfunction ( electronic journal ) which it informs them that there's a malfunction of some sort in which they send the service technician. My conclusion would be that the service technician knew there was the money stuck in the dispenser and replaced it with a new one and to wherever she took the old XXXX kept the money that belonged to me. Thats why XXXX here as my last resort to try to resolve this issue and get my money back.

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 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had a Macy 's credit card. They did not disclose the terms to me when I bought it. They set up my online account wrong, they must have misspelled the email or something. I tried twice to fix this and was unsuccessful. So they used to call me and tell me my balance was due, and I could call in and give them my card info to pay it off. In early XXXX, they never called me, like they usually did, when my balance was due. They never once sent me any physical statements for the balance due. Then in XX/XX/year>, they called not my phone, but my Mom 's landline, and said I was more than XXXX days past due, even though I never got the initial warning that it was due. I gave the agent the payment information and asked him to close the account, and after this I asked about the credit reporting, and he said that since it is the height of a global pandemic and times are hard for everyone that they would not credit report this late payment since it was an isolated occurrence and they set the account up wrong and did not call me when it was initially due. It wound up on the credit report anyways. I put up with it being on there and didn't dispute it further, I took accountability even though the Macy 's agent broke their promise to me. When I took out a car loan XXXX months later, I had to take a loan with 16 % interest even though there was no other negative information on my report. This negative reporting has been on there for XXXX and a half years now. I know it goes off the report in XXXX years, but I might be buying a house before that, and this is preventing my credit score from going from good to very good. I have tried XXXX separate times to reach Macy 's credit. Today I have been on the phone for almost an hour and the estimated wait time is over XXXX minutes. It was like this on Monday too. They took away the ability to file online inquiries.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

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 2025-09-11 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally raise a concern regarding the closure of my Capital One account and the unresolved issue of unauthorized cryptocurrency transactions. 

I opened my Capital One account on XX/XX/year>. For the first two months, I had no issues with the banking relationship, and I routinely made deposits and withdrawals without incident. However, in XXXX, I began experiencing problems with my account, and on XX/XX/scrub>XXXX XXXX XXXX I was notified that my account had been restricted. 

Upon reviewing my account activity, I discovered unauthorized cryptocurrency transactions that I did not initiate. Following further investigation, I confirmed that my phone number had been XXXX  around XX/XX/year>. This unauthorized XXXX XXXX  was verified by my mobile carrier. The XXXX XXXX  allowed fraudsters to intercept security codes, bypass two-factor authentication ( XXXX ), and gain access to my Capital One account. 

On XX/XX/year>, at around XXXX XXXX, a fraudulent cryptocurrency verification code was sent to my number, coinciding with the restriction placed on my account. Between XX/XX/XXXX and XX/XX/year>, multiple cryptocurrency transactions were executed without my knowledge or consent. These transactions were clearly performed by fraudsters who exploited the XXXXXXXX XXXX 

I want to emphasize that I have always used my Capital One account responsibly, and I did not authorize these transactions. Despite informing Capital One agents of the XXXX XXXX  and fraudulent activity during multiple calls over the following weeks, no corrective action was taken. Instead, I eventually received an email from Capital One on XX/XX/year>, notifying me that my accounts had been closed. The email stated : " The final review of your accounts has been completed. It has been confirmed that the activity is inconsistent with typical customer account usage. As a result, your Capital One bank accounts are closing. 

Any remaining balance owed to youplus all interest earnedwill be transferred to a linked external checking account, generally within 2-3 business days, or a check will be mailed to the address on file, generally within 7-10 business days. '' Unfortunately, as of todaymore than a month laterI have not received the remaining balance via transfer or check, nor have I received any further communication from Capital One regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am with my right of verification request under the FDCA, I request in writing a copy of a verification package include but not limited to a signed contract and the account number with the original creditor also name and the right to dispute this debt.

This debt collector failed to verify the debt and instead sent me a letter asking me for information. This debt collector clearly failed to address my specific legal request and are in clear violation of the FDCPA I requested that this debt collector delete and all reporting made to any consumer credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-11 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unexpectedly received an account closure letter from capital one for my credit card. Reason provided was activity usage that is not typical based on their expectations and are preventing me from redeeming my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation