vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was the victim of a scam that caused me to send {$360.00} through XXXX XXXX after the recipient intentionally misrepresented themselves and deceived me. Although the payment was technically initiated by me, it was done under fraudulent inducement. This is not a valid or authorized transaction in the context of consumer protection rules. 

I reported the situation to Bank of America immediately, explained that the transfer occurred because of deception, and opened a claim. Bank of America denied my dispute solely because XXXX XXXX is a third-party service, not because they determined that no fraud occurred. Their decision did not address the actual fraudulent activity and did not reflect a reasonable investigation into the circumstances of the transaction. 

A consumer-initiated transfer made under false pretenses is still fraud, and banks are expected to evaluate these cases accordingly. I requested information about how they reached their decision, and the only documentation provided was a generic denial letter that did not address the scam itself. 

I am requesting that this dispute be reopened, that Bank of America conduct a proper review of the fraudulent inducement involved, and that the funds be reimbursed. I am seeking CFPB assistance because the bank failed to meaningfully investigate the fraud and relied only on the payment method as grounds for denial.

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 2025-12-09 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$220000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$220000.00}

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-09 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: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: KY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I XXXX that this account does not belong to me and strongly suspect it to be 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 2025-12-09 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: NJ

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint against Capital One for furnishing inaccurate, incomplete, and misleading information to Experian regarding my credit card account ending in XXXX. 

There are multiple factual inconsistencies in the data Capital One is furnishing : XXXX. Capital One reports Status Updated : XX/XX/XXXX, yet XXXX  displays new charge-off ( CO ) entries every single month for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is contradictory and materially misleading. 
XXXX. A charge-off is a one-time event, not a recurring monthly status. Reporting CO month after month for multiple years is not accurate under the FCRA.

3. The payment history does not match the reported status date, improperly extending derogatory information beyond the actual delinquency.

4. The balance, original balance, and highest balance are inconsistent with one another and with the timeline.

5. I disputed this account with Experian, but Capital One verified the inaccurate data without correcting any of these issues.

These actions violate FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known or reasonably known to be inaccurate ) and 623 ( a ) ( 2 ), which requires correction after receiving a consumer dispute.

I am requesting that the CFPB require Capital One to : - Conduct a full, documented reinvestigation ; - Provide XXXX  with accurate and consistent data ; OR - Request deletion of the tradeline if Capital One can not verify the information with full accuracy. 

Please assist in ensuring Capital One complies with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: KS

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am disputing inaccurate mortgage reporting by XXXX XXXX XXXX. The mortgage is currently being reported to Experian as past due even though the alleged delinquency was corrected internally by XXXX and then fully paid by me immediately. 

The original payment issue was caused by Planets internal processing error, and Planets own ledger shows that they corrected this. On XX/XX/year>, XXXX reversed the returned payment. On XX/XX/year>, XXXX posted my payment of {$4800.00}. On XX/XX/year>, XXXX performed a late charge adjustment and waiver. On XX/XX/year>, XXXX posted another payment of {$4800.00}. After the internal correction and the payments posting, the account was fully cured and there was no current past-due balance. 

Planets own payment history clearly shows : XXXX XXXX Reversal, Late Charge Adjustment/Waiver, and two payments posteddemonstrating that the account is not presently delinquent. Despite this, Experian continues to show a current past-due status, and XXXX verified this information without providing any documentation showing a present delinquency. 

Reporting a past-due balance after Planets internal correction and my payments is factually inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is knownor should be knownto be inaccurate. I request deletion of the derogatory reporting and correction of the current status because the account is not past due. 

I am attaching XXXX XXXX XXXX payment history showing the internal correction, reversal, waiver, and posted payments. I also request that CFPB ensure these corrections are applied consistently across all consumer reporting agencies ( Experian, XXXX, and XXXX  ), and monitor that no false past-due status continues or reappears through subsequent automated furnisher reporting.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am unable to access my funds at Capital one because my account is being restricted. I filed a fraud case with Capital One regarding a fraudulent check that was cashed using my checking account and my old last name. This happened last month, and I still have not received any updates or resolution from Capital One. Instead of helping me, they restricted my account and will not let me withdraw any money. 
I have gone in person to verify my identity and presented a Real ID and two Department of Defense military IDs, but they still refuse to give me access to my account. At the bank, they told me I now need to bring my passport, and my debit cards do not work at all. At this point, I feel like my bank account may have been taken over or interfered with by scammers working with or inside the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TN

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 2025-12-09 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: IA

Complaint narrative:
I am writing to dispute several inaccurate items appearing in my TransUnion credit file. Under 15 U.S.C. 1681e ( b ), TransUnion must maintain maximum possible accuracy. The items below are inaccurate, incomplete, or not fully verifiable, and must be corrected or deleted.

1PERSONAL INFORMATION ERRORS REMOVE & CORRECT Please remove all incorrect variations of my name and addresses that do not belong to me or are outdated. Only the following information is accurate : Correct Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please delete all other name variations, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also delete all previous addresses, including : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are no longer associated with my identity and are causing mixedfile risk.

This request is made under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). 
XXXX ( XXXX XXXX ) ACCOUNT INACCURATE / INCOMPLETE Account # : XXXXXXXX XXXX XXXX XXXX XXXX  There is a balance inconsistency across bureaus. TransUnion reports {$0.00}, but Equifax reports {$52.00}. Under FCRA 1681e ( b ) and 1681i, this inconsistency means TransUnion may be reporting incomplete or inaccurate data.

Please conduct a full reinvestigation and delete or correct the item.

3HARD INQUIRIES REMOVE AS UNAUTHORIZED ( A/B/C ) The following inquiries were not authorized by me and therefore lack a permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ).

Please delete the following inquiries : Inquiry A Inquiry B Inquiry C

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit bureaus allowing inaccurate reporting on my credit report and my social was a part of theXX/XX/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 2025-12-09 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
These accounts have no relation to me ; remove them within XXXX days in accordance with the FCRA.

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 2025-12-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: KS

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit 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 2025-12-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not associated with this account, and it is appearing on my credit report in error due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
They are stalking and harassing me over debts not owed. I contacted the creditor that they were collecting for and had the debt recalled from them and paid the creditor directly. I know they are a ware of this payment because they started calling me after I paid to try and get me to payXX/XX/XXXX after never contacting me despite removing their presence from my credit after the debt was recalled. I told the rep yesterday ( while recording the call legally in a XXXX party consent to record state ), and I asked the rep stop calling me and he displayed illegally abusive and coercive behavior as per FDCPA. Additionally I requested that they cease and desist calling me and the rep continued to argue and use abusive language while I was recording instead of honoring my request for them to stop collecting me for a debt I do not owe.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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