vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I sent two separate payments for Two different Capitol One credit cards within the same envelope by way of certified USPS mail. It shows delivery confirmation to them on XX/XX/XXXX ( Sunday ) I called Capitol One and asked to be escalated to make sure they received the payments. Capitol One would not give me the information instead they only gave me a generic timeframe when payments would and should post. I am sending complaint in hopes to make sure they received both of these payments and also to ensure they havent applied my payments to someone elses account in error. I placed the entire credit card number, my name and phone number on both checks. I didnt have the payment stubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
Today I received a letter from State Collection Service , Inc . They are attempting to collect an debt from me that I dont owe. I have full medical coverage through my employer and I don't owe this company any money. I should not be in debt collections at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, my report must only reflect information that is accurate, complete, and verifiable. I request that these late payment entries be fully verified, and if they can not be substantiated, that they be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
We closed our account with regions bank of XXXX Alabama on XX/XX/XXXX On XX/XX/XXXX regions reopened the account and accepted an outstanding auto draft from regions credit card We had to pay that amount to close the account again On XX/XX/XXXX another auto draft that we had with discontinued with regions was accepted and then automatically reversed so they reopened the account without our consent or knowledge Then on XX/XX/XXXX a XXXX draft was accepted by regions without consent once more and they opened the checking account again for the third time without our knowledge causing us for the fourth time to have to request closure again Now they refuse to close the account completely I am being forced to keep an account alive which I do not want nor need and feel as though they are doing this intentionally with malicious intent Please Make them close this as I do not - will not ever do business with them again Thanks for any help you can provide

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 monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
PLEASE PAY ATTENTION : THIS IS NOT A DUPLICATE COMPLAINT. PLEASE FOLLOW THROUGH AS TO HOW CAPITAL ONE IS TO RECTIFY THIS BLATANT ERROR. 

On XXXX XXXX I applied for a Credit Card from Capital one. It was for Interest free terms until XX/XX/year> with an interest rate of 27.24 % I used the reservation # XXXX. 

Later I received the card in the mail and began using it. 

I then noticed that I was being charged interest. I contacted Capital One and they said that the card was issued under different terms. It is no free interest and the rate is 29.49 %. XXXX, supervisor, said that the reservation code had never been used! 

On the APPLICATION TERMS that I applied under it says : CAN YOU CHANGE THE ACCOUNT TERMS? We can change the terms of your account as permitted by law. When required, we will send you notice BEFORE ( my caps ) doing so. 

And also : " I understand that if I don't qualify, Capital One may consider me for other cards. Capital One will only check my credit once, and it will not affect my application. I WILL BE ABLE TO ACCEPT OR DECLINE THE OFFER. " ( My caps ). 

When I talked to Capital One, XXXX, supervisor, on XX/XX/year>, she confirmed that indeed I had not been made an offer. 

I responded that this was a BAIT AND SWITCH scheme and would file with the Consumer Protection Bureau. 

I did so and the number was # XXXX. 

I received a boiler plate response with a copy of the Application Agreement that they said was what the Card was opened under. This is not what I applied under. 
It said I could make a response to the answer. However I could never get that field to come up. So I resent the complaint. 

THE FIRST RESPONSE DID NOT ADDRESS THE FACT THAT I WAS NOT NOTIFIED OF ANY CHANGE OR REJECTION OF MY APPLICATION. 

This is Consumer Fraud and the remedies I am requesting are : An apology from Capital One for not abiding by their Application Agreement and letting me know of the denial. 

A refund of all interest paid to XX/XX/year>. 

A return to the interest rate of 27.24. %. 

I WAS NEVER NOTIFIED OF THE CHANGE TO MY APPLICATION. 

THIS IS NOT A DUPLICATE REQUEST AS IT WAS NEVER ANSWERED IN THE ORIGINAL ANSWER. 

PLEASE REQUEST AN ANSWER. 
On the second rejection complaint, it was Closed and Marked as duplicate complaint on XX/XX/year>. It specifically said : WHAT YOU CAN DO NOW Call us at ( XXXX ) XXXX. 
I did this today. XXXX understood the issue. He said the only thing I could do was to resent a complaint and state that " This is not a duplicate complaint ''. 

Please take this as it is presented to you. And if in case Capital One still does not answer, please tell me NOW how to proceed. Do not tell me to CAll the above number please. 

Thank you, and may XXXX be kind to all of us. 
Finished. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows a repossession entry that I believe to be inaccurate or unverifiable. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I request a thorough review of this repossession record, and if it can not be verified, I ask that it be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reporting inaccurate information being furnished by XXXX XXXX  to all three credit reporting agencies : Experian, XXXX, and XXXX. A XXXX account is appearing on my credit reports, which I did not open or authorize. 

I submitted formal disputes with each credit bureau and requested a method of verification ( MOV ), asking for proof that I opened this account. However, none of the credit bureaus or XXXX have provided supporting documentationsuch as a signed contract, application, or XXXX confirmationproving that I am the account holder. 

Despite my disputes and XXXX  failure to validate the account, it continues to report negatively on all three reports. This is causing significant damage to my credit and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting a full investigation into this matter, including XXXX being required to provide actual documentation proving the account is mine or having it permanently removed from all three credit reports. If no valid proof can be provided, the account should be deleted immediately as unverified and inaccurate.

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I request a thorough investigation of these accounts, and if they can not be verified as accurate, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
My information was used in the XXXX data breach

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 2025-09-08 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: CA

Complaint narrative:
My information was used in the XXXX data breach

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 2025-09-08 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
Accounts are being reported under my name without my authorization or awareness. I have never opened, authorized, or managed these accounts, and their presence is both inaccurate and misleading regarding my financial history. This situation is unacceptable and raises serious concerns. 

I require immediate clarification on why these unauthorized accounts are appearing and who is responsible for reporting them.

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 2025-09-08 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-08 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-08 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am submitting this complaint with absolute certainty and extreme frustration. My credit report contains multiple errors that I can no longer ignore, as they have been severely damaging my credit score and preventing me from achieving financial stability.

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am disputing a Capital One Credit card that Is reporting on my credit file. This account is not mine and remains inaccurate. A prior investigation showed a third party vendor was used to verify, but I was never given the name or the documents relied upon.My information has been exposed in a data breach, making any verification unreliable, I am requesting the deletion of this account as unverifiable.

Company response to consumer: Closed with explanation