vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NC

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 non-monetary relief
Consumer complaint received 2025-07-19 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: GA

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 2025-07-18 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: TN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution.

Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Request for Deletion of Charged-Off Account Based on Issuance of IRS Form 1099-CDear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.If you require any further documentation or clarification, please let me know.Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request.Sincerely, [ 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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am going through financial hardship and asked for my family to help. They informed me they only have Venmo so I contacted Venmo to retrieve my old account and the lady helped me regain access since it had been years since Ive used the account I was told I needed to send a photo id and I did I sent my Arizona valid govt issued drivers license also asked her if she needed my marriage license for name discrepancy she stated no. My family then sent me XXXX payments XXXX of XXXX $ XXXX for XXXX $ I left the money on the virtual account until I would need it. Today I log in and it tells me my account is suspended so I go to my email to see why and I have a notice my account is closed for violation of terms and that they are keeping the money for loss prevention purposes. You cant just keep someones money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint in regard to Capital Ones recent decision to close my account ( s ), which I believe to be both unfair and potentially unethical.

The immediate issue that triggered this closure was a simple input error I accidentally typed an extra zero when submitting a payment. While this resulted in a failed payment, it was not an act of negligence or an indicator of financial irresponsibility. In fact, Ive had other payment attempts flagged or blocked by my bank in the past, which were completely outside my control. Despite these incidents, I have always taken the necessary steps to resolve them quickly. 

My Capital One accounts have consistently been in good standing for years. One of them is fully paid off, and I have never missed any payments until this isolated incident. Instead of working with me to correct the situation or applying a reasonable penalty ( such as a fee ), Capital One chose to immediately close the account ( s ). That decision was disproportionate, particularly given my long-standing track record of responsible use. 

Closing an account for a returned paymentespecially when the customer is willing to immediately resolve the issuefeels less like a protective measure and more like an abuse of power. These closures severely impact a person 's credit score, access to lending, and overall financial trajectory, even when no actual harm has been done to either party. The ripple effects are significant and long-lasting. It is fundamentally wrong to allow a minor error to result in what can be a life-altering credit event. 

Furthermore, being told to simply reapply as if thats a casual alternative is dismissive of the real damage caused. Reapplying does not restore credit age, utilization ratios, or the trust that was previously built. This practice starts to resemble something predatory, as it resets credit scores and hurts responsible consumers for events that often aren't even in their direct control. 

I want to continue doing business with Capital One, but I ask that your company reconsider these automated and overly aggressive closuresparticularly when the customer history reflects long-term, on-time payment behavior and financial responsibility. Closing accounts in good standing for non-delinquent, explainable reasons should not be standard practice. 

I respectfully request that my account be reinstated, or at the very least, that a formal review be conducted with transparency. Additionally, I request that this incident not be reported negatively to credit bureaus, and if it already has, that it be corrected to reflect the account closure was not due to financial hardship or delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unaware of these inquiries, and they appear to be unauthorized and possibly fraudulent. Please take prompt action to resolve this issue. Relevant documents are attached for your review

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 2025-07-19 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Alleged Debt Account # XXXX Account Status : Closed / In Collections Account Balance : {$650.00} Date Opened : XX/XX/year> To Whom It May Concern, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am formally disputing the validity and accuracy of the above-referenced account appearing on my consumer credit report.

I am requesting that you immediately : Conduct a full investigation into this account, including a validation of the debt under FDCPA guidelines.

Provide documentation substantiating that this debt is valid, belongs to me, and is being reported accurately. This must include a copy of the original contract, a full payment history, and documentation of your legal authority to collect on this account.

Cease all collection activity until this debt has been validated, as required by 15 U.S.C. 1692g ( b ).

Additionally, I am disputing the reporting of this account to credit reporting agencies due to the following inaccuracies : The account is marked as Closed but simultaneously reflects a balance of {$650.00} and a past due amount of {$650.00}, which is contradictory. 

The account shows a Date Opened of XX/XX/year>, which is a future date and not factually possible, indicating reporting errors or data inaccuracies.

The account reflects a {$0.00} credit limit and {$0.00} available credit, yet shows a balance and past due amount, lacking coherent financial structure.

Due to these discrepancies and the absence of a legally sufficient debt validation, I am requesting that you remove this account from my credit report with all credit reporting agencies to prevent the continued reporting of inaccurate and unverifiable information.

Please consider this letter a formal dispute and request for validation under the law. Kindly respond in writing within the time allotted under the FDCPA and FCRA. Failure to comply may result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal counsel for further review.

I appreciate your prompt attention to this matter and look forward to your written response confirming deletion or full validation of the alleged debt.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Today Bank of America closed my accounts and banned me from ever opening an account with them. Their excuse was an unverified deposit, but it was actually a credit card payment that was too large and caused my account to go negative. I had the funds in my other account to pay the negative balance, but they refused this option. 

They suddenly and without warning froze my accounts and are in the process of deleting permanently. 

I suspect that it has to do with my frequent wire transfers to XXXX. Seems like Bank of America is censoring my ability to invest in crypto based on their political beliefs. I feel this should be illegal. Banks should not be able to discriminate against their customers and censor their transactions unless there is clear evidence of illegal activity.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citi XXXX XXXX XXXX card on XXXX. The {$99.00} annual fee of the new year was charged on XXXX. I converted the card to a non-annual fee card on XXXX. The citi customer service said If the card is converted within 37days from the annual fee charged, the annual fee will be fully refunded. But I am only getting partial refund {$82.00}. The following customer service said there might be an issue with their system but they did not have an option to override the refund.

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 2025-07-19 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:
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 2025-07-19 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision 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  Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-19 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: CA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXXnDOBXXXX XXXXSSN: XXXXTransUnion Consumer Solutions\XXXX XXXX XXXX, PA XXXXXXXXExperian Dispute Department\nXXXX XXXX XXXX TX XXXXnEquifax Information Services LLC\nXXXX XXXX XXXXnAtlanta, GA XXXXXXXXTo whom it may concern,\n\nI am writing to update/correct my personal information on file with your company.\n\nPlease update my address to:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXDOB: XXXXSSN: XXXXPlease remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.\n\nMy name is XXXX XXXX. Please remove any other aliases.\n\nPlease remove all phone numbers. They do not belong to me.\n\nSincerely,XXXX XXXX XXXX. Credit 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 non-monetary relief