vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XXXX third of this year I was attempting to make my monthly payment as agreed with XXXX and XXXX XXXX for my XXXX XXXXXXXX account. I had for the last XXXX months made an ACH payment as agreed upon on time. My payment was not accepted as they had without any explanation or notification changed their payment portal to checks only. All my banking is done online through XXXX bank. I filed an electronic complaint to the company and received a phone call on the same day stating that the policy was always check only, which was incorrect given my payment history. I was told that my feelings were noted and suggested I open a new bank account to make my payments and they would work with me if I needed time to get the account opened up. Given the fact that my previous payment was acceptable and no notice or articulation was given regarding the change, I find myself in a difficult situation. Non payment would allow them to seek garnishment for a second time regarding this debt after agreement was made and followed by me. The lack of transparency and log of complaints filed against this company speak volumes of their predatory collection practices. The initial contact from this company regarding this debt was not by phone call, email or postal service, but by a sheriff deputy serving me court papers. I have been compliant and flexible with them up to this point but this matter is beyond belief. Also there was no disposition as to how they handled the storage and or removal of my bank account information and if the deletion was secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime refused me my payment several times after waiting long periods of time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am filing a complaint regarding Equifaxs consistent failure to report my credit card balances accurately and in a timely manner. My sparrow account has a limit of {$400.00} and a balance of {$67.00}, yet Equifax is reporting the balance as of XX/XX/XXXX as {$200.00} and the company has verified that they send the updated balance every first of the month. 

My creditors have confirmed to me in writing and verbally that they transmit my updated statement balances to all three credit bureaus on time, aligned with my billing cycle. Both XXXX and XXXX  update my balances promptly. However, Equifax repeatedly delays reporting my updated balances by weeks after the statement closing date, which causes my reports to reflect outdated and inflated balances. 

When I dispute this with Equifax, they often update my account with an incorrect balance that does not match my official statement balance, despite me providing supporting documentation. This inaccurate reporting directly impacts my credit utilization ratio and my credit score, which affects my ability to obtain fair credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, The following information is being inaccurately reported inside my personal information on my credit report by creditors in or other sources. I DEMAND all inaccurate false variations of NAMES and ADDRESS also TELEPHONE NUMBER listed below be DELETED from my report IMMEDITELY : XXXX XXXX, NAME XXXX XXXXXXXX XXXX XXXXXXXX, NAME IDXXXX XXXX XXXX, NAME IDXXXX XXXX XXXX XXXX XXXX NAME IDXXXX XXXX XXXX XXXX, NAME IDXXXX XXXX XXXX XXXX NAME ID:XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ADDRESS ID : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ADDRESS ID : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ADDRESS ID : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ADDRESS ID : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ADDRESS ID : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ADDRESS ID : XXXX TELEPHONE NUMBER XXXX XXXX, RESIDENTIAL

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a live check from XXXX XXXX, unsolicited, in the amount of {$3200.00}. I immediately called the opt-out number provided and was answered by a telemarketer trying to sell me senior life alert monitors. I explained why I called and she disconnected. I'm afraid of identity theft.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Date of Transaction : XX/XX/year> ( in-person sale ) First dispute : XX/XX/year> Second dispute : XX/XX/year> Transaction Amount : {$3200.00} total ( two {$1600.00} payments ) Buyer : XXXX XXXX XXXX IDs : XXXX, XXXX Summary : XXXX  claims to offer secure payments and fair dispute handling, yet in this case enabled fraud. The buyer falsely claimed he didnt authorize two in-person payments. Despite police involvement and strong evidence, both disputes were ruled in his favor.

Nature fact : My husband sold an XXXX XXXX XXXX XXXX through XXXX XXXX. On XX/XX/year>, he met buyer XXXX XXXX at XXXX XXXX in XXXX, MA. The buyer sent two {$1600.00} XXXX  payments to my account and received the product in full. 
Over a month later, he filed chargebacks, claiming he never made the payments. We provided strong evidence : XXXX messages confirming the deal XXXX  payment records A police report from XXXX XXXX stating the case appears fraudulent XXXX  later informed us that after review with the senders financial institution, both disputes were resolved in the senders favor. This outcome ignores clear documentation and enables misuse of XXXX system. 

Resolution Attempts : We contacted XXXX Dispute Office with all materialschat screenshots, payment confirmations, police report, and timeline. We also suggested checking store surveillance footage. Despite this, no protection was offered to us as legitimate users. 

Platform Concern : XXXX  promotes itself as a secure platform, but in reality, it enables and protects criminal behavior. By ignoring clear evidence, legal documentation, and a police report confirming suspected fraud, XXXX  has effectively sided with a scammer. Its current dispute system allows bad actors to abuse chargebacks and reclaim money after receiving goods without consequence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have submitted multiple requests for itemized charges from credit card discover and original signed agreement to pay debt. XXXX XXXX is my latest attempt but I fear with the breaches of information my credit is wrongfully reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: RAS LaVrar, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX pulled my XXXX  consumer report on XX/XX/year>. I never received a dunning letter as required by the FDCPA. 

I request the following information : 1. Proof of permissible purpose to pull my credit report.

2. Proof of a valid assignment from a creditor, if any.

3. Proof that a dunning letter was sent to me with tracking information.

I am attaching a copy of my XXXX report showing the credit pull on XX/XX/year>. 
The FCRA does not differentiate between a soft pull and a hard pull on a credit report. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, request for account blocking deletion due to data breach, dear experian, equifax, transunionteam, iam writing you formally requesting blockage and deletions of all accounts assoiciated with my personal info due to recent data breach, loan XXXX balance {$7300.00}, XXXX balance of XXXX, XXXX balance 0, discovercard balance 0, syncb balance 0, radius global balance 0, XXXX XXXX balance {$0.00}, XXXX XXXX  balance XXXX inquiry us department edu. several provisions of FCRA 15 Usc1681c-2 ( a ) ,15USC1681i,15USC1681e ( b ) ,15Usc1681g ( a ) ,15USC1681m,15USC1681n.please confirm these reciepts of this letter and provide weitten confirmation of the actions taken regarding my accounts. i would appreciate a update on any measure you are implementing to protect my personal info.thank you i look forward to your response in 4 days.

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 2025-09-07 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: MS

Complaint narrative:
I am a victim of identity theft. There are several accounts that has been fraudulently opened and/or used in my name without my knowledge, authorization, or consent. I did not open or authorize these accounts, and I have never received any benefit from them. This unauthorized activity has caused serious harm to my credit profile. I am submitting this FTC Identity Theft Report to dispute the accounts with the credit reporting agencies and to request that they be permanently blocked and deleted under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires deletion of identity theft-related items within four ( 4 ) business days of receiving this report and proper documentation. I am also requesting that the credit bureaus send me a written confirmation once the fraudulent accounts have been removed.

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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I came to a payment arrangement to settle this account with an employee. The employee was satisfied with the payment arrangement and it was agreed upon. On XXXX I get a credit monitoring alert saying my account is in collections/charge off. The agent in XXXX did not tell me or make me aware that was the next step in process otherwise I wouldve made full payment then and forgot about this company. This reporting they just did is not only inaccurate or misleading reporting. But it violates the FCRA ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because I am a victim of the TransUnion data breach, which exposed my personal information and led to fraudulent activity on my credit report. 
Several accounts that do not belong to me have been reported in my name. I never applied for them, never authorized them, and have no connection to them. These accounts are fraudulent and must be removed. 
The fraudulent accounts appearing on my credit report are as follows : * XXXX XXXX  Account ending in * XXXX * XXXX XXXX XXXX Account XXXX XXXX * XXXX * XXXX XXXX XXXX Account ending in * XXXX * XXXX XXXX XXXX Account ending in * XXXX These accounts are severely damaging my credit history and have caused me significant financial harm. Despite my disputes, the accounts remain on my credit report. 
This reporting violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires credit bureaus and furnishers to ensure maximum possible accuracy in consumer reports and to delete or correct inaccurate or unverifiable information within XXXX  days of a dispute. 
Additionally, XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors subject to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), which prohibits the collection or reporting of debts that are not owed. Continuing to report or attempt to collect on these fraudulent accounts is a direct violation of this law.

Further, under the identity theft protections in the FCRA/FACTA amendments, I have the right to have fraudulent accounts blocked from my credit file once I notify the bureau. I am exercising that right and requesting immediate removal. 
I am requesting that the CFPB take immediate action to : XXXX. Require TransUnion and the listed creditors/collectors to delete these fraudulent accounts from my credit file. 
XXXX. Ensure that TransUnion provides me with written confirmation that these accounts have been permanently removed. 
XXXX. Hold the furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion accountable for their role in reporting inaccurate, unauthorized information caused by the TransUnion data breach. 
This situation has caused unnecessary financial and emotional stress. I respectfully request that these fraudulent accounts be removed from my credit file immediately, and that I receive written confirmation once the deletions are complete. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent and inaccurate credit reporting by XXXX XXXX XXXX  and the nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Account Details Creditor : XXXX XXXX XXXX  Partial Account Number : XXXX Reported Balance : {$640.00} ( with {$120.00} past due ) Reported Status : Closed, yet still reporting delinquent Reported Limit : {$500.00} What Happened This account was closed by the credit grantor, yet it continues to report as delinquent with a past due balance.

Experian reports a 90-day late payment in XX/XX/year>, while TransUnion reports no 90-day late payments for the same account. Equifax shows inconsistent dispute notations. These contradictions prove that the information is not accurate across bureaus.

I previously disputed this account with all three credit bureaus. Each bureau responded with dispute resolved or reported by furnisher, but none provided any documentation from XXXX XXXX XXXX  validating the reported information. This fails the standard of a reasonable reinvestigation under the FCRA.

Because the account is closed, it should not be accruing late payment notations or showing as past due. This misrepresentation is materially false, misleading, and is considered fraudulent reporting.

Laws Potentially Violated FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information after being notified of dispute.

FCRA 623 ( a ) ( 5 ) : Improper reporting of the Date of First Delinquency.

FDCPA 807 ( 8 ) : False and misleading credit reporting in connection with debt collection.

Consumer Harm The fraudulent and inconsistent reporting of this account has : Lowered my credit score.

Reduced my access to fair credit and lending opportunities.

Created ongoing stress, as I am being misrepresented as delinquent on a closed account.

Requested Resolution I request that the CFPB investigate this matter immediately. Because this constitutes fraudulent reporting, I am demanding a full reinvestigation within 72 hours. Specifically, I request : Immediate deletion of the XXXX XXXX XXXX  account from all three credit reports. 

Confirmation that XXXX XXXX XXXX  and the bureaus cease reporting false or conflicting information. 

Enforcement of statutory remedies, including compensation of up to {$1000.00} per violation, as provided 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 explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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