vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted Capital One multiple times between XX/XX/XXXX and XX/XX/year>, regarding my credit card account to request hardship assistance. I am experiencing verified financial hardship due to medical issues and lack of income. I currently have no income and have had to rely on food banks for survival. 

When I explained this to Capital One customer service, I was told that hardship programsincluding forbearance or any reduced payment planwere not available unless I could commit to a specific monthly payment. I repeatedly stated I could not afford anything, not even {$5.00}, and requested a temporary payment pause or forbearance based on financial and medical hardship. 

Capital One acknowledged that I was enrolled in a specialty assistance program suppressing late fees, but beyond that, they only offered two options : A three-month plan requiring {$210.00} per month starting XX/XX/year> A nine-month reduced APR plan with {$98.00} per month starting XX/XX/year> Both plans were unaffordable. I stated this clearly and asked again if there was any way to pause payments temporarily. The representative confirmed that their system requires a dollar amount to proceed with any hardship program. If the customer reports a {$0.00} capacity to pay, no options can be processed. 

I believe Capital One is deliberately creating a system that denies legitimate hardship requests unless the consumer agrees to an unaffordable plan. This traps people in a cycle of late payments and damaged credit, even when they are proactively seeking help. I am not refusing to payI am simply unable to pay anything at this time. 

I am requesting that Capital One be required to : Provide a true hardship forbearance or pause with no payment required for at least 90 days. 

Cease negative credit reporting during this documented hardship. 

Explain in writing why no XXXX-payment hardship plan is available for verified unemployed or medically impaired customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I have recently discovered a hard inquiry on my credit report that I did not initiate. I was neither informed about this credit pull nor did I authorize it, making this inquiry a clear violation of my rights under 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax, I received your letter requesting for the list of missing accounts. My account information, with my name is reported every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit report. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my security freeze. Please place my security freeze back on my credit report. I have already notified all the credit bureaus that I WILL NOT BE removing or lifting my security freeze in XXXX, I WILL NOT BE removing my extended 7yr fraud alert in XXXX, I WILL NOT BE making in changes to my consumer statements in XXXX. In XXXX  I WILL NOT Be applying for any new credit and/or purchases that requires a new account and/or new credit. There will BE NO NEW ACTIVITY in 2025. Thank You TO : All Credit Bureaus.... especially Equifax XXXX Please note ... beware ... be cautious of someone trying to place their school loans on my credit report in my name. I have no new school loan and no old school loans that are surprisingly trying to show up. 

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 2025-07-01 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:
Equifax, I received your letter requesting for the list of missing accounts. My account information, with my name is reported every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit report. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my security freeze. Please place my security freeze back on my credit report. I have already notified all the credit bureaus that I WILL NOT BE removing or lifting my security freeze in XXXX, I WILL NOT BE removing my extended 7yr fraud alert in XXXX, I WILL NOT BE making in changes to my consumer statements in XXXX. In XXXX  I WILL NOT Be applying for any new credit and/or purchases that requires a new account and/or new credit. There will BE NO NEW ACTIVITY in 2025. Thank You TO : All Credit Bureaus.... especially Equifax XXXX Please note ... beware ... be cautious of someone trying to place their school loans on my credit report in my name. I have no new school loan and no old school loans that are surprisingly trying to show up. 

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a $ XXXXXXXX XXXX XXXX credit limit account that I had applied for and I was suppose to pay monthly to pay back the charged payments but due to my current financial situation I wasn't able to pay for the time period. I said I'd be happy to start a lower payment plan or lower what is currently owed because interest rates went to XXXX as of now and it's become very stressful. I continue to get calls almost daily from all kinds of different numbers asking me about the same thing as well as continuous mail that says I owe and they will take legal matters if it's not resolved, even after I explained the situation more than handfuls of times and I need to find a solution for the harassment and the debt owed. And after it's paid they have to remove the derogatory marks on my credit report and stop Harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I have tried to resolve this matter of identity theft with Experian, Equifax, and TransUnion with no luck. This will be my last attempt before taking legal action against these three companies for violating my rights and also not following the law of the FCRA. I would like an investigation and validation of these fraudulent accounts and would kindly ask for them to be removed immediately. 

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 I have never done business with any of these companies and would like them removed immediately from TransUnion, Equifax, and Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-07-01 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: NV

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-01 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: PA

Complaint narrative:
In XX/XX/year>, I discovered a paid collection account from XXXX XXXX for {$170.00} ( original creditor : XXXX ) on my TransUnion credit report. I paid the full amount directly to XXXX on XX/XX/year>. XXXX XXXX did not collect any payment from me and was not involved in resolving the debt. 

On XX/XX/year>, I sent a written request for debt validation to XXXX XXXX, asking for proof of their authority to collect the debt, a breakdown of charges, and documentation regarding the alleged debt. I did not receive a response. 

Despite this, XXXX XXXX continues to report the collection as paid and closed on my TransUnion report, which is misleading and damaging. After providing proof of payment to XXXX, they deleted this collection account from my XXXX  credit report. TransUnion, however, denied my dispute on XX/XX/year>, and continues to report this as a paid collection. 

I am requesting that this collection account be deleted from my TransUnion credit report since the collection agency never collected the debt and did not validate the account as required by law.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
a few years back i used my debit card to make a large item purchase, the company sent an item but wasnt what was described at all and it has costed me greatly, and i filed a dispute with the bank and they denied the dispute bc of no reason at all besides being a XXXX orginazation. I was not provided the item i was told i was getting and i want to use my rights and get it refunded to me. The card offers this protection and garuntee and ive been denied that right for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Apple Financing LLC
State: NC

Complaint narrative:
Someone was impersonating as my bank on XX/XX/year>. They were able to transfer my money off my Apple Pay and checking account banking at XXXX XXXX XXXX  which was a total amount of {$700.00}. I was unable to dispute this payment because I was told by Apple Pay that the transaction was a peer to peer transaction. This transaction was misleading and was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I do not normally check my business checking account but when I did last month I saw multiple months of {$15.00} fee for falling below a min account balance. When I asked them they said I was informed which I never was. I also said I was never notified and when I set up my account I asked them to set up so I would be notified when I was below my min account balance so I could add more. This obviously never happened. Its another example of banks using hidden fees to charge customers. I was never told and said to make sure to set up to notify me if I ever fell below. 

Chase Bank is scamming customers out of fees like XXXX XXXX did years ago. There should be protection against consumers. I have other banks so just shut down all accounts associate with Chase but advise nobody goes near them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Subject : Complaint Against Discover Card for Contradictory Denial of Credit Line Increase Summary of Complaint : This is a formal complaint against Discover Card for violating my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ) due to contradictory and misleading information contained in its credit line increase denial letter dated XX/XX/year>, regarding account ending in XXXX. 

On Page 1, Discover stated : > INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT However, I have maintained this Discover account for over 18 months, which directly contradicts their reason. This false representation of insufficient experience undermines the integrity of the denial and suggests pretext. 

On Page 2, Discover lists entirely different reasons for denial, including : Serious delinquency % of balance to credit limit Too few accounts paid as agreed Number of inquiries on credit bureau This contradiction between Page 1 and Page 2 violates the FCRA, 15 U.S.C. 1681m ( a ), which requires that users of consumer reports provide the main reason or reasons for the adverse action. The inconsistency fails to comply with this statute and misleads the applicant.

Additionally, the ECOA, 15 U.S.C. 1691 ( d ) mandates creditors provide a specific reason or reasons when denying an extension of credit. The vague and conflicting explanations provided by Discover fail this legal requirement, impairing my ability to understand or correct the issue. 

Requested Resolution : Investigate Discovers contradictory denial process.

Order Discover to issue a corrected and lawful adverse action notice.

Compel Discover to reevaluate the credit line increase request based on consistent, truthful, and lawful grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am submitting this formal dispute regarding an unauthorized hard inquiry that has been placed on my credit report. I never applied for credit with the company that initiated this inquiry and have no record of any interaction, application, or service agreement with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief