vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my credit card account after a returned payment and permanently forfeited approximately XXXX miles that I earned legitimately through using the card and abiding by their rewards promotion programs. I am requesting a fair review and reinstatement of my earned rewards. 

My Capital One XXXX credit card account was closed following a returned payment ; this was the first and only instance of this occurring during my entire history with Capital One. As soon as I became aware of the issue, I resolved the returned payment immediately. 

Despite correcting the issue promptly, I was later informed that : My account could not be reopened under any circumstances, and All accumulated rewards ( approximately XXXX XXXX miles ) were permanently forfeited. 

I fully understand that Capital One has policies related to returned payments. However, I believe the outcome in my situation is disproportionate and unfair, given that : This was an isolated, payment issue, It was corrected immediately, I have a strong history of responsible account use, and The XXXX miles were earned through legitimate spending over time. 

Capital One representatives informed me that no supervisor or internal department could review or override this decision. As a result, I am seeking assistance from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I mailed dispute letters to TransUnion regarding multiple inaccurate and unverifiable accounts appearing on my TransUnion credit report. I included all required supporting documents, including identity verification and a detailed list of each disputed item. 

Under the Fair Credit Reporting Act, TransUnion was required to conduct a reasonable reinvestigation within 30 days. However, TransUnion deleted only one account and left the remaining disputed items unchanged, even though the furnishers of those accounts did not provide any documentation to support verification.

TransUnion also did not supply the required method of verification explaining how the disputed items were confirmed. It appears the reinvestigation was done through an automated system rather than a manual review of documentation. 

Some furnishers reporting to TransUnion have not demonstrated a permissible purpose under 15 U.S.C. 1681b to access or report my credit information. Despite the lack of proof, TransUnion labeled these accounts as verified.

As a result, inaccurate, unverified, and potentially unlawfully reported information remains on my TransUnion 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
In XX/XX/year>, I submitted a Borrowers Defense to Repayment application and requested that my federal student loans be placed into forbearance. XXXX XXXX XXXX confirmed both the application and the forbearance status. Despite this, ED Financial reported late payments to the credit bureaus during a period in which no payments were due. 

This reporting violates the Fair Credit Reporting Act and has negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
A paycheck was deposited XX/XX/XXXX XXXX XXXX  is refusing to let me access my electronic deposit until XX/XX/XXXX. It has caused me to miss a mortgage payment, and Im now being charged with a late fee, and my credit score has been. Affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services ( Credit Card ) I provided my credit card number to XXXX XXXX XXXX XXXX XXXX, which subsequently made unauthorized charges to XXXX XXXX XXXX, {$2000.00} and {$2500.00}. 

I notified Discover Card about the fraudulent charges, and they stated that they would credit the charges until further investigation. 

Charges Credit Prior to their Investigation See Attachment Please Charges Reversed after their investigation See Attachment Please Discover Card XXXXXXXX XXXX XXXX, Dated XX/XX/XXXX See Attachment Please Discover Card XXXX Denial Ltr, Dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report XXXX continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The account in XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and outdated information across my credit reports with Experian, Equifax, and TransUnion. My reports include late closed accounts such as XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX Bank ( XXXXXXXX XXXX XXXX, {$0.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} ), and XXXX XXXX XXXX XXXX ( XXXX *, {$0.00} ) that are obsolete under FCRA 605 ( a ) and inaccurately report account closure dates and balances in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). Charge-offs for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$610.00} ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ), and Arkansas FCU ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ) are incorrectly reported and require validation under FDCPA XXXX, XXXX and FCRA XXXX. Collection accounts including XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1700.00} ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$860.00} ), and XXXXXXXX XXXX XXXXXXXX Co XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4700.00} ) are also inaccurate. Hard inquiries such as XXXX XXXX ( XX/XX/year> ) were made without proper authorization or permissible purpose under FCRA 604 ( a ) ( 3 ) and must be removed as outdated under FCRA 605 ( a ). I dispute all inaccurate, unverifiable, and misleading information and request investigation, correction, or deletion of each item 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 2025-11-18 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I am filing a new complaint because my previous CFPB case regarding Blackhawk Network ( Hawk Incentives ) was closed based on false and incomplete information provided by the company. The issue is still unresolved and I never received the replacement card that Blackhawk claims to have issued. 


Summary of the Issue On XX/XX/scrub> 2025, I contacted Blackhawk Network regarding aXX/XX/XXXXcard that became unreadable/damaged and would not scan. Blackhawk requested the following information : Proof of purchase Image of the damaged QR code Screenshots of the error message Images of the front and back of the card I sent all requested items the same day. 

At XXXXXX/XX/XXXX on XX/XX/XXXX, I emailed a screenshot showing the XXXX screen error. 

At XXXX XX/XX/XXXX on XX/XX/XXXX, I emailed the image of the damaged card and QR code. 

On XX/XX/XXXX, I responded again explaining that this was a gift and there was no receipt. 


I have timestamped emails with attachments proving full compliance. 


Blackhawk Network falsely claimed they never received any of my documentation. 


In their response to the CFPB, Blackhawk stated they still had not received any information. 

This is factually incorrect. 

My emails clearly show that : They received multiple attachments They received explanations about the missing receipt They never responded after XX/XX/XXXX, despite my follow-ups Blackhawk claimed they issued a replacement card I never received it. 


Their letter ( dated XX/XX/scrub>, 2025 ) states : a new card would be reissued as a XX/XX/XXXXtime courtesy. 


This never happened. 

I received : No email with a replacement card No physical card No confirmation No tracking No follow-up communication Blackhawk has kept the funds and closed the case without delivering the replacement.

This is unacceptable and appears deceptive. The company : Stopped responding after receiving my documents Submitted a false statement to the CFPB Did not deliver the replacement card they claimed to issue Caused significant financial hardship since this was needed to pay a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: AL

Complaint narrative:
My Chime account ( XXXX ) was closed without warning on XX/XX/year>. 
I had a balance of {$5700.00}.

Chime told me I was not eligible for a refund and provided no reason why my money was taken.

I did not authorize any fraudulent transactions, and I did not violate their terms.

I repeatedly contacted Chime through email and phone, but they refused to tell me : Why my account was closed Why I am not eligible for reimbursement Where my {$5700.00} went This appears to violate Regulation E, which requires : A written explanation of the investigation Access to account records A refund for unauthorized transactions I am requesting a full investigation and the return of my {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: UT

Complaint narrative:
I am filing a complaint once again to formally dispute and request the immediate and permanent removal of multiple inaccurate accounts and unauthorized inquiries appearing on my Experian and TransUnion credit reports ; this is my fifth-round request, as despite prior disputes and attempts to resolve these issues, these items continue to appear on my reports, misrepresent my credit history, and cause ongoing stress, anxiety, and potential harm to my ability to access credit fairly. On TransUnion, several charged-off accounts are inaccurately reporting balances without a XXXX, in violation of FCRA XXXX ( b ) [ 15 U.S.C. 1681e ( b ) ], including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$7700.00}, {$1200.00}, and {$11000.00}, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2400.00} ; none of these accounts have proper documentation to substantiate the reported balances or their charged-off status, and their continued reporting is inaccurate, misleading, and harmful. Additionally, on Experian, multiple unauthorized inquiries appear without my consent or permissible purpose, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXX XX/XX/year>, which violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; despite multiple prior disputes, these inaccurate accounts and unauthorized inquiries remain, misrepresent my credit history, and unfairly impact my financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
It appears that you have turned these items on my credit report into a charge off, but I never received the 1099c can you be so kind to send me a 1099c for the actual item that has charge off so i can file on my 2024 tax return due to my financial hardship of being in the XXXX  as a XXXX XXXX XXXX XXXX VETERAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing a complaint to once again formally dispute and urgently request the immediate and permanent removal of multiple inaccurate, unverifiable, and unauthorized accounts appearing across my Experian, Equifax, and TransUnion credit reports ; this is my XXXXround request, as despite prior disputes and investigations, these items continue to appear on my credit files, misrepresent my true financial history, and cause significant stress, anxiety, and potential harm to my creditworthiness. On Experian, the late-closed account XXXX XXXX XXXXXXXX XXXX a {$0.00} balance remains despite being fully settled and closed, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, multiple charged-off accounts continue to report inaccurate balances without proper XXXX documentation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} ) on Experian, XXXX XXXX XXXX XXXX XXXX ( {$7000.00} ) on Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} ) on Equifax and TransUnion, and XXXX XXXXXXXX ( {$4800.00} ) on TransUnion. Several collection accounts are also inaccurately reported or lack proper authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ) on Experian and TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ) on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1800.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2900.00} ) on TransUnion, potentially violating FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and 605B / 15 U.S.C. 1681c-2. None of these accounts were authorized by me, and I have no documentation validating their balances or status ; their continued presence misrepresents my credit history and unfairly impacts my ability to access credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing a complaint to once again formally dispute and urgently request the immediate and permanent removal of multiple inaccurate, unverifiable, and unauthorized accounts appearing across my Experian, Equifax, and TransUnion credit reports ; this is my XXXXround request, as despite prior disputes and investigations, these items continue to appear on my credit files, misrepresent my true financial history, and cause significant stress, anxiety, and potential harm to my creditworthiness. On Experian, the late-closed account XXXX XXXX XXXXXXXX XXXX a {$0.00} balance remains despite being fully settled and closed, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, multiple charged-off accounts continue to report inaccurate balances without proper XXXX documentation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} ) on Experian, XXXX XXXX XXXX XXXX XXXX ( {$7000.00} ) on Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2200.00} ) on Equifax and TransUnion, and XXXX XXXXXXXX ( {$4800.00} ) on TransUnion. Several collection accounts are also inaccurately reported or lack proper authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ) on Experian and TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ) on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1800.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2900.00} ) on TransUnion, potentially violating FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and 605B / 15 U.S.C. 1681c-2. None of these accounts were authorized by me, and I have no documentation validating their balances or status ; their continued presence misrepresents my credit history and unfairly impacts my ability to access credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this complaint to report XXXX continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief