vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I applied for a Capital One credit card through a referral link that offered XXXX bonus points after spending {$5000.00} within 3 months upon account opening. I was approved and used the card to pay a {$5600.00} tax bill and incurred an additional {$98.00} transaction fee with use of credit card as payment method. 

Later, Capital One informed me I was approved for a different card not eligible for the referral offer, despite applying through the correct link. This is misleading. If I wasnt eligible for the referral offer, they should have declined the application or clearly informed me before approving a different product. That communication was never made clear during the whole process of applying. I request to be offer the XXXX bonus points per my original offer and capital one declined the request. 

The account was opened on XX/XX/year>. Spending requirement was met on XX/XX/year>. I contacted capital one on XXXX XXXX to create a case. I checked back on XX/XX/year> and was told about the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENT FOR COMPLETE INFORMATION. THE XXXX XXXXXXXX XXXX XXXX IS SHOWING AND ACCOUNT ENDING IN XXXX, WHICH WAS THE NUMBER FOR A TEMPORARY ACCOUNT. ONCE THE TEMPORARY ACCOUNT WAS CLOSED AND THE ORGINAL ACCOUNT ENDING IN XXXX WAS opened. THE ISSUER HAS REFUSED TO FIX MY ACCOUNT, WHERE IN PARTS IT'S SHOWING THE OLD ACCOUNT AND IN PARTS ON THE WEBSITE IT'S SHOWING THE RIGHT ACCOUNT INFORMATION, WHICH IS CARD ENDING IN XXXX. IF THEY CONTINUE SHOWING THE WRONG INFORMATION, I'M AFRAID THEY WILL START REPORTING THE WRONG 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
XX/XX/year> contact with XXXX XXXXXXXX XXXX XXXXXXXX notified via phone verification that the banking institution denied cash payment of the banking deposit made XX/XX/year>XXXX XXXX XXXXheir XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Branch, which created a {$35.00} overdraft fee The alleged employee represented his name as XXXX and told me to go to the store to see if the Western Union number and XXXX fraudulent XXXX number on the check receipt XXXX XXXX XXXX Co XXXX was a legit business. An escalation number of XXXX was initially given and then XXXX for check number : XXXX / Dated : XX/XX/year> / Vendor : XXXX XXXX ( my name ) Vendor ID : XXXX XXXX Document MO REDUNDS US Invoice Number : XXXXXXXX the original lost/stolen money order number Amount : {$27000.00} Service : XXXX Processing : XXXX ... Balance = XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXX XXXXXXXX XXXX BALANCED {$690.00} XXXX XXXX XXXXXXXX BALANCED {$210.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These items 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 XXXX 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 2025-05-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am a victim of a data breach with XXXX  and have unknown accounts on the bureaus XXXX XXXX XXXX XXXX XXXX, that I am not familiar with, including, but not limited to XXXX XXXX, Caine & weiner. I have submitted a FTC report and have filed complaints with the bureaus. I am asking that these are remove expeditiously as it has taken a toll on my report that I have these accounts that I dont even know what they are on there please complete a investigation and have these removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-15 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: WI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2025-05-14 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-15 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: GA

Complaint narrative:
I am submitting this formal complaint regarding EXPERIAN for their failure to ensure the accuracy and integrity of the information reported in my consumer credit file, and their non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The continued inclusion of inaccurate information is impairing my ability to obtain credit, housing, and financial opportunities, and is causing undue financial hardship. 

As you are aware, EXPERIAN is currently subject to legal action by the CFPB for violations of consumer protection laws. This ongoing litigation reflects a systemic failure to uphold legal obligations and highlights the critical need for enforcement in my case. 

Pursuant to 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information unless they determine the dispute is frivolous or irrelevant. If information can not be verified within the required 30-day period ( or 45 days in some cases with supplemental information ), it must be deleted from the consumer 's file.

Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Reporting unverifiable or outdated debt, or failing to reasonably investigate disputes, violates this statutory obligation. 

The inaccurate information appearing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with my rights under the FCRA, I am requesting that the CFPB take immediate action to : Investigate Experian for failing to comply with 15 U.S.C. 1681i ( a ) and 1681e ( b ).

Compel Experian to provide a comprehensive explanation and documentation of the procedures used to verify the disputed information. 

Require deletion of any information that can not be verified or lacks sufficient documentation. 

Impose appropriate penalties or sanctions for their ongoing non-compliance. 

Ensure my credit report is corrected and provide me with a copy of the revised 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 2025-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the creditor relays the complaint to the CRA and come back updated. 
Account # 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 2025-05-14 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 discovered multiple accounts on my TransUnion credit report that I do not recognize and did not authorize. These include accounts from XXXX  XXXX ( opened XX/XX/XXXX ), XXXX Card ( opened XX/XX/XXXX ), and XXXX XXXX  XXXX  ( opened XX/XX/XXXX ). I have never applied for or used these accounts, and I believe they XXXX be the result of identity theft or a reporting error. 

On XX/XX/XXXX, I submitted a written dispute to TransUnion requesting a full investigation and verification under the Fair Credit Reporting Act ( FCRA ). I also provided valid identification and proof of address. I have not received confirmation that these accounts have been properly investigated or removed. 

These inaccurate entries are XXXX  affecting my credit profile. I am requesting that TransUnion verify the legitimacy of each account. If verification can not be provided, I ask that they be removed from my report 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 2025-05-15 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EQUIFAX ( IDENTITY THEFT & FRAUD ) XXXX  VIOLATION FCRA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE 10 ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX * .I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! THIS HAS BEEN REPORTED MORE THAN ONCE TO MY LOCAL POLICE DEPARTMENT, AND YES I HAVE A POLICE REPORT ATTACHED FOR YOU TO READ. * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 



Collection Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account XXXX : XXXX XXXX Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX  XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To delete all the old and fraudulent addresses of my credit reports. I called Experian and they refused to delete the old addresses, because they claim they are tied to accounts. These addresses are fraudulent.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NY

Complaint narrative:
I am writing to formally report a serious concern regarding a potential breach of my personal privacy and data rights, which I believe involved XXXX XXXX and/or one of his affiliated companies. 

I have reason to believe that my personal information was accessed, viewed, or used without my consent in violation of U.S. privacy laws. This includes the potential unauthorized access to sensitive data such as my loan records, financial status, or personal identifiers. I did not provide any consent or authorization for my information to be reviewed or shared by XXXX XXXX or any company under his leadership. 

As a citizen, I have a right to privacy and the protection of my personal information under laws such as the Federal Trade Commission Act, the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act. If any entity regardless of stature or public influence has bypassed those rights, it should be investigated and held accountable. 

I respectfully request that this situation be reviewed, and that I be informed of any findings related to improper access to my data. I am also seeking guidance on how to protect myself going forward, and what remedies may be available to me if a violation is confirmed. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation