vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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 formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Account XXXX  XXXX High Balance : {$27000.00} Date Opened : XX/XX/year> Late Payment XXXX XXXX The reporting of late payments on this account is inaccurate and unsupported. FCRA 607 ( b ) requires you to ensure maximum possible accuracy, but these alleged delinquencies have not been verified despite repeated disputes. Allowing unverifiable late payments to remain damages my ability to access fair credit and opportunities. The law prohibits you from continuing to report information that can not be substantiated, and your failure to act violates FCRA 623, which bars reporting information known or should-be-known to be false. Unless you provide documented proof such as payment histories or contracts, this account must be corrected or deleted at once. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit file contains numerous hard inquiries that I never authorized or applied for. These inquiries appeared after the TransUnion data breach, which exposed my personal information and made me a victim of identity misuse. I did not seek credit from the majority of these companies, yet the following hard pulls remain on my report : TransUnion XXXX XXXX, TransUnion XXXX XXXX, XXXX XXXXXXXX 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 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. 

These inquiries are inaccurate, unauthorized, and unverifiable. The TransUnion breach compromised the integrity of my personal information, and these inquiries are a direct result. Under the Fair Credit Reporting Act ( FCRA ) : 604 : CRAs may only provide reports/inquiries with consumer consent or a permissible purpose.

605 ( a ) : CRAs must not include information that is inaccurate or unverifiable.

611 : Consumers have the right to dispute any inaccurate or unauthorized information.

623 : Furnishers must ensure accuracy and remove unverifiable data.

The continued reporting of these inquiries is a violation of my rights under the FCRA and has caused significant harm to my creditworthiness, financial opportunities, and overall well-being.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Company : Capital One Product : Credit Card Credit Balance Refund Case Number : XXXX Details of the Issue : On XX/XX/year>, I requested a refund of my credit card balance in the amount of {$14000.00} from Capital One. As of today, XX/XX/year>, I have not received the check. 

I have contacted Capital One customer service XXXX times regarding this issue : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Each time, representatives ( including a supervisor ) stated that the check had been mailed, but they could not provide a tracking number, stop payment, reissue the check via trackable overnight delivery, or transfer the funds electronically. 
Capital One opened XXXX # XXXX, but the matter remains unresolved. 

Impact on Me : {$14000.00} of my money has been unavailable for nearly XXXX months. 
I have lost the opportunity to earn interest on these funds. 
I have been caused unnecessary financial stress and repeated inconvenience.

Resolution Requested : Immediate reissue of the {$14000.00} refund balance via trackable overnight delivery or ACH transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Company : Bank of America Account Number : Ending in XXXX ( per XXXX  ) Issue : Request for removal of closed, charged-off account Complaint Description : I am filing this complaint regarding a Bank of America credit card account ( Account Number ending in XXXX ), which was opened in XX/XX/year> and is now closed at the credit grantors request. According to my Experian credit report, the account has been charged off with a balance of {$1100.00} and is reported as a negative item. I acknowledge that the information being reported is technically accurate. However, the negative reporting arose during a period of extreme hardship. At the time, my wife lost her job and was hospitalized for several weeks, requiring blood transfusions. This medical and financial crisis placed a severe burden on my household and directly caused me to fall behind on this account. Since then, the account has been closed and the balance has been addressed. I have also taken significant steps to improve my financial stability, including setting up automatic payments and maintaining on-time payments on other accounts. This was an isolated event in my credit history, and it does not reflect my overall behavior as a responsible borrower. I am requesting the CFPBs assistance in asking Bank of America to remove this negative, charged-off account from my credit report. Although I understand that creditors are obligated to report accurate information, I believe the ongoing negative impact of this one account which is closed and no longer active is disproportionate and unfair given the extraordinary circumstances that led to the delinquency. I respectfully ask for consideration of my situation and request that this account be deleted from my credit report as a gesture of fairness and compassion.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
My account with Comenity full beauty has been closed for over a year. Have tried reaching out numerous times to get the correct info. Started paying on so called balance but has not cleared my balance and they insist I am missing payments. I try ver hard to keep all my payments on time. 
Please research. This is affecting my credit rating for the last year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a reference to my recent complaint ID : XXXX. 
Despite getting in touch with the bank and informing them of the current situation, Im in due to a system error on their behalf that was documented by an employee. I am being denied a provisional credit according to regulation E and told that the investigation can take up to 60 days all the while I am forced to eat a negative balance caused by Bank of America discrepancies. This is putting me in financial distress and delaying my ability to pay my bills and operate causing great financial harm and late bills.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> at XXXX pm est, I tried to purchase a XXXX speaker through XXXX. The page kept rendering and ultimately denied my payment on the website but my card was charged XXXX times for the amount of XXXX. The charges are still pending and have been for XXXX days now. Wells Fargo claims to be waiting on the vendor but Ive tried to explain to them that the vendor cant close on a transaction for an order that doesnt exist. It was a glitch in the Wells Fargo system as far as I can tell in the form of an authorization hold. I need Wells Fargo to release the funds back to my account but they dont seem to be getting anywhere with it or dont seem to care.

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 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
The Original Loan was for {$15000.00} started back in XXXX at XXXX time i stopped making payments I was under the impression it was a 36 month loan and found it had become a 48 month Loan, payments resumed after a month and a XXXX months. I was super stressed out by the company, they called over XXXX times in a 30 day period. I spoke to one of the loan officers on the phone she asked if we would make it a {$30000.00} loan and give us {$100.00}. I told her no and she started screaming at me on the phone. My wife finally understood why I was afraid to talk with them. She took over payments and has been paying them for 4-5 yrs. I asked them a year and a half ago when is the payoff date, they told me the loan would be paid off by XX/XX/XXXX. That date came I asked them again they told me XX/XX/XXXX. That day has come and gone, we still owe between XXXX. It still states XXXX as the payoff date. I am unable to drive the vehicle anymore, someone took off with it for 10 months, the police wouldn't help because the guy has the keys. I repoed it but it does not drive anymore. They are still requiring full coverage insurance, or try charge {$1000.00} for 6 months. And the registration is expired. We have paid between $ XXXX on this loan already and can not make payments anymore. They call my wife when she is at work. It's a headache and is unnerving that we still have so much money due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I am disputing the XXXX XXXX account being reported on my credit file. This account is inaccurate and not mine. I have reason to believe it was impacted by the XXXX  data breach, which exposed my personal information and resulted in fraudulent or inaccurate reporting. I have already filed a dispute with XXXX and I am submitting this FTC report to ensure proper documentation. Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), 611, and 623, consumer reporting agencies are required to remove information that is inaccurate, unverifiable, or the result of identity theft. I have not received validation or proof of ownership of this account, nor proper notice from the creditor or collector as required under law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
the banker XXXX i believe her name is and branch manager at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NC XXXX questioned EVERYTHING about me and that i provided to them. they questioned, investigated and didnt want to open the account because my id is from another state. they did the same thing and couldnt fathom that i could have multiple homes. they did the same thing because my companies articles of incorporation had an amendment that i made. they didnt understand that you could live in one state, open a business in another. ive never in my life, ive been banking for almost 20 years, personal and business accounts, small, big banks and credit unions, and ive never experienced this in my life. also, they out of nowhere tell me THEY made a mistake and needed me to sign a document and threatened to close my account if i didnt sign it right away, without caring that im not their dancing monkey and do what they want at a snap of their finger, i can get sick, i can be out of the country, on vacation, among different things that are not their business. and now they locked my account and dont have access to my own money. so they penalize me for a mistake they made. i asked multiple people who work at pinnacle if i can change branches because i didnt like the treatment i received at the branch and everyone told me yes. when that branchs manager heard of this she told me no, that i had to stay with them, so shes also refusing for me to change branches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am Writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C 1681-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY 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
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
I am Writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C 1681-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
My identity has been compromised with transunion. I have no knowledge of the following collections accounts. 

XXXX XXXX XXXX ( XXXX XXXX ) {$7900.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$2700.00} XXXX XXXX XXXX XXXX ( XXXX XXXX ) {$1800.00} XXXX XXXX ( XXXX  XXXX ) {$470.00}

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 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, a car loan was opened in my name by XXXX XXXX using my personal information without my proper authorization. The vehicle was purchased and has been solely used by XXXX XXXX, and she has been the only individual making payments on the account. I did not apply for or consent to this loan, and I have not received any benefit from it. 

Despite this, the lender has listed me as responsible for the loan, which is inaccurate and has caused harm to my credit and financial standing. I have disputed this matter directly with the lender and requested documentation, but the account remains improperly associated with me. 

I believe this constitutes identity theft and misinformation. I am filing this complaint to request that the lender be required to conduct a full investigation, correct their records, and ensure that I am not held liable for this fraudulent account. 

I am also submitting reports to the FTC and local law enforcement to document the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've been impacted from Transunion data breach. Accounts has been illegally place on my 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