vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: TX

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 XXXX 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 DEPT OF ED/XXXX  on XX/XX/year> with a balance of {$4500.00} that appears related to the aforementioned personal loan account opened at XXXX 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 XXXX 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was told by chase that my deposit is did in person will have a 7 day hold cause the other bank could take the funds and also cause I didn't have enough money in my account they would not release it the check is a money order from a XXXX XXXX XXXX  for me to be able to fix my car I was told in the branch that they would expedite it and when I called I was told it would be in Mt account the next business day cause it's a money order called and was with XXXX very rude reps from the fraud department the XXXX XXXX said check was no good the XXXX one was rude and told me I had to wait for the 7 days and she didn't want to help then her supervisor told me that since I didn't have enough money I had to wait and that they wasn't releasing it I was lied to by all the rep in chase and I feel it's not right and rude of this bank they are wrong cause the check is good and the bank that issued it confirmed it it's all rude chase with the hold I feel cause I am XXXX  they treat me like this and on top of everything XXXX XXXXXXXX each account chase is wrong they don't follow laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a formal complaint against Capital One for abruptly restricting and closing my checking account without justification, despite the account being in good standing. 

Summary of Issue : Unwarranted Restriction : On XX/XX/XXXX, Capital One placed unexplained restrictions on my checking account, limiting access to funds. I have maintained this account in good standing with no overdrafts, returned payments, or suspicious activity. 

Refusal to Resolve : I contacted Capital One customer service. Representatives refused to : - Explain the reason for restrictions - Provide written documentation justifying their actions- Restore full account access Sudden Account Closure : On XX/XX/XXXX, I received an email notifying me of account closure effective immediately, with no specific rationale provided. This has caused severe financial harm and impact on my normal banking activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 writing to request the removal and blocking of certain accounts from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ) due to my status as a victim of XXXX XXXX. This really cause me hardship and its really concerning on my life. These accounts were opened or misused as a direct result of XXXX XXXX which has severely affected my credit history.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Received an email from Capital One offering me a pre-approved XXXX XXXX with a {$300.00} sign-on bonus. Applied and was denied. Letter stated I had too many open credit cards. I called and asked how many cards would be allowed and the rep. told me 5. I have XXXX open credit cards with XXXX and those are the only open accounts on my report. My credit was XXXX. Offering people pre-approvals, having them apply with all their info, then receive a hard inquiry on ALL credit bureaus. Then declining those applicants without logical reasoning is harmful to their credit and their finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # XXXX ) regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX ( Account # XXXXXXXX XXXX XXXX  ) and XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-26 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: GA

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 four 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> 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 as proof from the XXXX 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 2025-09-26 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: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau I am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit file by various creditors and reporting agencies in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 The following items are listed inaccurately and are damaging my credit profile XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$2300.00} Charge Off I have no knowledge of this account being legitimately charged off I never received proper validation or proof of ownership of this alleged debt Reporting a charge off without verification violates FCRA 15 USC 1681i and FDCPA 15 USC 1692g because I am entitled to proof before such negative information can be reported This account is harming my credit and must be deleted unless XXXX can provide original signed agreements complete payment history and proof of ownership XXXX  XXXX XXXX Open Date XX/XX/XXXX High Credit {$5000.00} Charge Off This entry is inaccurate and unverifiable I have no knowledge of this account being charged off and no documentation has been provided to me to support this reporting The continued presence of this item is willful noncompliance with FCRA Section 611 which requires deletion of unverified or inaccurate information This negative entry is misleading and damaging my ability to obtain fair credit XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late payment This account is being reported with late payments which is completely inaccurate I have never made late payments on this account and the history is falsely damaging my report Reporting false payment history is a direct violation of FCRA 15 USC 1681e ( b ) which requires accuracy in reporting I am not asking for deletion of this account but I demand correction of all inaccurate late payment notations so that my report shows the true and accurate history I request the CFPB to investigate these violations and require the credit bureaus and reporting entities to immediately correct or delete all inaccurate, unverifiable, and unauthorized items These reports are causing damage to my creditworthiness and are in clear violation of my consumer rights under FCRA and FDCPA I request timely resolution and confirmation of corrective actions

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 2025-09-26 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: NV

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 2025-09-26 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$31000.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX  Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Utility Date opened XX/XX/XXXX Balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
b'I am formally disputing inaccurate information that appears on my credit report. I recently reviewed my credit file, and I noticed an account that I believe is incorrect and should not be reported. The disputed account is as follows:\n\nCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThis debt is inaccurate because I have no record of this account. I did not open any account with XXXX XXXX XXXX and have not signed any contracts with XXXX XXXX XXXX. This account is reported incorrectly. \n\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that this account be investigated and removed from my credit report. 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I opened the account in person roughly 30 days ago. I told them when i opened It we buy/sell a lot of horses & cattle for our hobby of rodeo. And there would be some check for horses & cattle bought & sold. So when the first transaction hit on the XXXX of XX/XX/year>. They froze the account along with roughly XXXX. And will not tell me why or what. When i call They ask me all kinds of questions to verify me. But then they wont tell me what is going on or why. Im fine with going into a branch & they can give me my money and close the account. But they cant just take that money & lock it up for 90 days ( they say ) and not even tell me why or let me talk to somebody who can tell me why.

Company response to consumer: Closed with explanation