vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My family fell into some hardships- I was out of work for about 6 months, which caused a financial strain since the only job i could find payed about half of what i originally made. My father in law XXXX, grand daughter XXXX, mother in law XXXX, my vehicle had an incident with a deer and then later a tree limb fell on it- which was 2 separate incidents which cost almost {$2000.00} in deductibles then my wifes radiator exploded in her vehicle which was almost another thousand in repairs. I told Captial One Auto Finance about the financial situation that I was in and that I wasnt able to pay the 2 months I was behind and that I could pick back up on my payments the following month. They informed me that they couldnt help in the situation and the only thing they could offer me was to increase my monthly payment by XXXX XXXX  which I informed them that I couldnt do that since money has been tight because of all the unexpected hardships we went through this year and I couldnt afford an increase in payments. This has been going on for almost a year now- I started recording my calls and the earliest one I have is in XXXX of 2025, I have been in contact with capital one at least XXXX time a month about the situation and they are unwilling to help. I have been making my monthly payments even though I am still XXXX behind. I called the company today at XX/XX/year> and told them that their app wasnt allowing me to schedule a payment for the XXXX of XXXX since I only get paid once a month, I yet again explained the situation to the rep and the supposed escalation team lead and they both told me that they couldnt help with my situation and refused to accept my payment arrangement for XX/XX/XXXX, which i'm still under threat of repossession and they still harass me about the payments even though they are unwilling to help- the excuse is " our system doesnt allow this or that '' " our system doesnt have any options for you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-09-29 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M and t bank told me that I was able to remove half of my deceased XXXX XXXX without penalty if I put it into a new Ira within 60 days which is wrong. It should have been put into an inheritance Ira. The woman in charge of this does not have XXXX as her first language. She did not explain anything about an XXXXXXXX XXXX. She put XXXX in a checking account and when i asked about penalties and taxes on taking cash she said I had XXXX! days. I called the next day after consulting a financial analyst and she said to come back in and they would fix it. Then called the following day to say they couldnt. This is the XXXX nj branch of m and t bank.

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 2025-09-29 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my reports. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Amount : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$310.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX ) XXXX XXXX XXXX XXXXmount : {$720.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$750.00} 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 UNAUTHORIZED INQUIRIES LISTED 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

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 2025-09-29 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my reports. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Amount : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$310.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX ) XXXX XXXX XXXX XXXXmount : {$720.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$750.00} 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 UNAUTHORIZED INQUIRIES LISTED 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

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 2025-09-29 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Data Breach & Fraudulent Account Dispute Block & Remove Accounts Under FCRA 605B To Whom It May Concern, I am the victim of identity theft and possible data breach exposure that has resulted in fraudulent accounts being reported under my name and Social Security number. I did not authorize or open these accounts, and I am demanding immediate action under the Fair Credit Reporting Act ( FCRA ) 605B.

The following accounts are fraudulent and must be blocked and removed within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Bank XXXX These accounts are the result of fraudulent activity tied to a breach of my personal identifying information. As required under FCRA 605B, you are legally obligated to : Block and remove these accounts from my credit file within 4 business days of receipt of this letter.

Cease reporting or verifying these accounts with any third parties.

Provide me with written confirmation that these items have been permanently deleted from my credit file. 

Please treat this as both a fraudulent account dispute and a data breach victim notice. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office. I also reserve my right to take civil legal action for damages under federal and state law. 

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 2025-09-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Data Breach & Fraudulent Account Dispute Block & Remove Accounts Under FCRA 605B To Whom It May Concern, I am the victim of identity theft and possible data breach exposure that has resulted in fraudulent accounts being reported under my name and Social Security number. I did not authorize or open these accounts, and I am demanding immediate action under the Fair Credit Reporting Act ( FCRA ) 605B.

The following accounts are fraudulent and must be blocked and removed within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Bank XXXX These accounts are the result of fraudulent activity tied to a breach of my personal identifying information. As required under FCRA 605B, you are legally obligated to : Block and remove these accounts from my credit file within 4 business days of receipt of this letter.

Cease reporting or verifying these accounts with any third parties.

Provide me with written confirmation that these items have been permanently deleted from my credit file. 

Please treat this as both a fraudulent account dispute and a data breach victim notice. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office. I also reserve my right to take civil legal action for damages under federal and state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ( Caine Weiner Account # 1812 ). The account name and number above have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
On XX/XX/2025, I purchased airline tickets on XXXX totaling {$1800.00}. Of this amount, {$1600.00} went to XXXX XXXX ( the carrier ) and {$230.00} went to XXXX for the flight protection plan. I received confirmation of the purchase that day, and my itinerary followed on XX/XX/2025. 

Before the XXXX charges appeared, I noticed no transaction had yet posted for the flights. Wanting to make sure my booking was secure, I searched for XXXX phone number online and called the first number that appeared. The person who answered identified himself as XXXX and claimed my itinerary was in unpaid status. He requested my credit card information to finalize the purchase and asked me how much I owed for the flight. When I told him {$1600.00} ( the remaining balance, since the {$230.00} XXXX protection plan had already posted ), he sent me an email appearing to be from XXXX and instructed me to click Acknowledge. After doing so, a charge of {$1600.00} appeared on my account under XXXX XXXX XXXX 

This charge was fraudulent. On XX/XX/2025, the legitimate XXXX XXXX charges for my XXXX purchase posted to my account, confirming that the prior charge was unauthorized and connected to the impersonation scam. Initially, I mistakenly disputed the XXXX charges due to confusion about their posting separately from XXXX, but I quickly corrected this, canceled that dispute, and opened a dispute for the fraudulent XXXX XXXX XXXXXXXX charge. 

Over the past seven months, I have submitted this dispute with Apple Card / Goldman Sachs three times, providing all relevant evidence that this was fraudulent. Each time, my dispute has been reversed. Despite escalation attempts, I have not received a resolution. 

I am requesting that Goldman Sachs reverse the fraudulent {$1600.00} charge immediately. I have provided documentation, including : 1. Email from the scammer XXXX impersonating XXXX ( sent from Reservation Desk ) instructing me to click acknowledge. 
XXXX. Screenshot of a legitimate XXXX charge ( the {$230.00} protection plan ) and legitimate XXXX XXXX XXXX. 
XXXX. The fraudulent XXXX XXXX XXXXXXXX charge. 
XXXX. XXXX purchase confirmation and itinerary emails. 
XXXX. Screenshots that show Goldman Sachs denying my dispute 3 times. 

Please note : I am not disputing XXXX or XXXX XXXX. My claim is solely regarding the fraudulent {$1600.00} charge. Despite repeated efforts and submission of clear evidence, Goldman Sachs has failed to honor my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of certain accounts on my credit report, which I believe are inaccurate, incomplete, or potentially unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting a reinvestigation into the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under the FCRA, I have the right to FCRA 609 ( a ) : Request all information in my credit file. FCRA 611 ( a ) : Request a reinvestigation of disputed information.

FCRA 623 ( b ) : Require furnishers of information to investigate and respond to disputes promptly. FCRA 602 ( A ) : Ensure fair and accurate credit reporting practices are followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of certain accounts on my credit report, which I believe are inaccurate, incomplete, or potentially unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting a reinvestigation into the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under the FCRA, I have the right to FCRA 609 ( a ) : Request all information in my credit file. FCRA 611 ( a ) : Request a reinvestigation of disputed information.

FCRA 623 ( b ) : Require furnishers of information to investigate and respond to disputes promptly. FCRA 602 ( A ) : Ensure fair and accurate credit reporting practices are followed.

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