vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
About XXXX weeks ago I signed up with capital one for a credit card. When you sign up for a capital one credit card, capital one shopping automatically sends you coupons, and entices you to sign up for capital one shopping. I signed up for capital one shopping, downloaded the app and began to accrue rewards. I had accumulated over {$400.00} in rewards after only using the app for XXXX month. All of a sudden I got logged out of my capital one shopping account on the app. I tried numerous times to login with the email address that I thought I had been using and was unsuccessful. I then tried secondary email addresses to login and was also unsuccessful. I called capital one, they encouraged me to email capital one shopping directly, and so I did. I received a generic email stating that my capital one shopping account had been terminated without an explanation of why. I responded to the email and I received another generic email implying that I had committed some sort of fraud, and my account would be permanently closed, and my {$400.00} rewards would be forfeited. I responded saying that I was unaware of anything I had done that would be considered fraud but received no response. The only thing I can think of is that when I got logged out of my capital one account I did attempt to login with XXXX secondary email address. I was not trying to be fraudulent, I was second-guessing my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-07-26 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: FL

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lost Lake Finance, LLC
State: OK

Complaint narrative:
Pathway Credit XXXX installment loan on XX/XX/XXXX. I had a {$710.00} Renewable loan avaliable balance, Pathway Credit issued a {$56.00} check to my XXXX account. Pathway Credit is now charging {$770.00} payoff. My loan account was almost paid in full, I believe. Been paying beginning XX/XX/XXXX thru present on {$310.00} loan, increased to {$770.00}, {$56.00} cash to me. 
I believe Pathway Credit is not issuing XXXX loan amounts and recharging for the XXXX  loan amount for a very XXXX XXXX amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I pleaded with the executive board members requesting/begging for a payment option that would assist me in getting current with my delinquent loan. They denied my request and any other request moving forward. So now I will formally submit this letter in urgent desperation, pleading for immediate intervention and relief. As a single father of three daughters, I have been forced into financial ruin and emotional devastation due to the unauthorized use of my identity and Social Security number to file fraudulent tax returns. The resulting damage has left my family teetering on the edge of homelessness, our vehicle facing repossession, and my children already grieving the loss of their mother now facing the trauma of losing the only home theyve ever known. 

For the tax years XXXX, XXXX, and XXXX, my Social Security number and W-2 forms were used without my consent, knowledge, or physical presence to file fraudulent joint tax returns. At the time, I was legally separated from my spouse and had expressly requested to file independently. I did not authorize, sign, or participate in the preparation or filing of these tax returns. 

Despite these facts, the IRS processed the unauthorized returns. The consequences have been devastating : The IRS has withheld my XXXX refund of {$6000.00} and an additional state refund of approximately {$1700.00} to offset balances allegedly owed from XXXXXXXX XXXX XXXX  years I did not file or authorize returns. 
I have received IRS Notice XXXX regarding a tax liability of over {$100000.00} for XXXX a return I did not file. 
My credit has been severely damaged, with negative information stemming from this fraud. 
Our home is now in the final stages of foreclosure. 
My familys only vehicle has been signed over for repossession. 
I have fallen behind on all major bills, including utilities and basic living expenses. 

The emotional toll on my children and me has been overwhelming. My health has declined significantly due to the constant stress and sleepless nights. I am unable to provide stability without urgent resolution and protection from further IRS collections based on fraudulent activity. 

I have submitted two Identity Theft Affidavits ( IRS Form 14039 ), a formal complaint against the tax preparer involved ( IRS Form 14157 ), and contacted multiple oversight agencies including the FTC, CFPB, the California Attorney General, and the IRS Criminal Investigation Division. I am respectfully requesting immediate intervention, account flagging, and a halt to any further IRS collections or offset actions until a full investigation is completed. 

Your help is critical to safeguarding my rights, clearing my name, and protecting my children from continued harm. 

Relevant Laws and Codes : - 26 U.S. Code 7206 Fraud and false statements- California Civil Code 1798.93 Identity theft protections and remedies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Fraudulent inquiries on mycreditreport.XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
XX/XX/2025 Subject : Final Demand to Delete Charge-Off Repossession Validation, XXXX, and Legal Enforcement Challenge To Whom It May Concern, This is a formal dispute and legal challenge regarding the continued reporting of a charge-off auto loan account ( Account # : # XXXX ) tied to a prior vehicle repossession. 

Key Facts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has already ceased collection activity and agreed to delete the account from my credit file. 
You are reporting this account as a profit and loss charge-off despite repossessing the collateral ( vehicle ) and likely claiming the financial loss or issuing a Form XXXX ( Cancellation of XXXX ). 
Reporting this as an unpaid charge-off after already reclaiming the asset and possibly being compensated ( via resale or tax write-off ) is inaccurate and misleading. 


I am demanding the following documentation within XXXX calendar days : XXXX. A copy of the IRS Form XXXX, if the remaining deficiency balance was canceled or forgiven. 
XXXX. Proof of legal enforceability of any alleged deficiency balance after repossession. 
XXXX. A complete itemized breakdown of : The original loan terms The sale value of the repossessed vehicle All fees, interest, auction proceeds, and applied credits XXXX. A copy of the original loan agreement bearing my signature. 
XXXX. All securitization details, including : Name of the trust or securitization pool ( if applicable ) Date of assignment or closing Pooling and Servicing Agreement ( XXXX ) if loan was bundled and sold XXXX. Documentation showing your legal authority as holder in due course, with right to enforce the alleged deficiency. 


Cease and Desist Until Validation Is Complete : You are hereby issued a formal cease and desist regarding any communication or credit reporting about this account until full validation and legal enforceability can be established. 

Failure to validate this account in full will result in a demand for immediate deletion from all credit bureaus. 

Notice of Liability Up to {$1000.00} Per Violation : Should you continue to report this charge-off repossession without full validation, I will consider this a willful violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n, and I will pursue : {$1000.00} per violation in statutory damages Complaints filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and XXXX XXXX XXXX XXXX civil legal action for defamation and credit harm This is your final opportunity to comply and correct this matter. I expect either : written confirmation of full deletion from all credit bureaus or full validation documents as listed above within XXXX  days of the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: SC

Complaint narrative:
Subject : Complaint Against Conduent/Way2Go for Delayed Child Support Payment Dear CFPB, I am submitting this complaint regarding a delayed release of child support funds by Conduent through their Way2Go card program. Although I completed their requested security verification steps, my funds have been held for over a week without explanation, violating stated policies and timelines. 
starting on XX/XX/XXXX i was quoted XXXX turn around, to be told the wrong email by their cs its still not resolved i asked that it be escalated they told me they could not do that either. 

This delay has had a direct negative impact on my financial wellbeing, and Conduent has failed to provide adequate communication or support.

I request that the CFPB investigate Conduents handling of prepaid funds, especially regarding child support payments. Their lack of accountability has caused undue hardship to families who rely on timely distribution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. -- - I pay {$39.00} per month for membership. No problem. Every month I am charged a cash advance fee and an interest fee on the balance. I never take cash advances and am still charged a fee on top of month interest charges on my balance. This is unfair to me to be charged a cash advance fee for a cash advance that I never took or accepted. This month alone I was charged {$5.00} for a cash advance I never took last month I was charged {$4.00} for a cash advance I never took. You multiply this and you have quite a bit of cash that was never advanced to me and I am being charged for. This is not a duplicate so please do not close my request by suggesting this is a duplicate filing which it is not. This is a different card with the same issue. I am disgusted. I am being robbed every month. Please help me straight out this madness which is aggravating my soul. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The account in question is listed as follows : Creditor Name : 12 XXXX XXXX XXXX  XXXX Amount Owed : {$620.00} Account Type : Collection Agency/Attorney Placed in Collections : XX/XX/XXXX Reported By : [ Insert collection agency name if available ] Last Verified Date : XX/XX/XXXX I am requesting that you investigate this account and remove it from my credit report unless you can provide proper documentation that proves the accuracy and completeness of this information, including : Full chain of title showing legal ownership of the debt Complete payment history and original signed agreement Proof that the debt is valid and legally enforceable Under 15 U.S.C. 1681i, you are required to complete your investigation within 30 days and notify me of the results. If the account can not be fully verified, it must be removed from my credit file.

I also request that, upon completion of your investigation, you provide me with an updated copy of my credit report reflecting any corrections or deletions made. 

Please consider this letter a formal dispute. I am exercising my rights under FCRA to ensure only accurate and verifiable information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The account in question is listed as follows : Creditor Name : 12 XXXX XXXX XXXX  XXXX Amount Owed : {$620.00} Account Type : Collection Agency/Attorney Placed in Collections : XX/XX/XXXX Reported By : [ Insert collection agency name if available ] Last Verified Date : XX/XX/XXXX I am requesting that you investigate this account and remove it from my credit report unless you can provide proper documentation that proves the accuracy and completeness of this information, including : Full chain of title showing legal ownership of the debt Complete payment history and original signed agreement Proof that the debt is valid and legally enforceable Under 15 U.S.C. 1681i, you are required to complete your investigation within 30 days and notify me of the results. If the account can not be fully verified, it must be removed from my credit file.

I also request that, upon completion of your investigation, you provide me with an updated copy of my credit report reflecting any corrections or deletions made.

Please consider this letter a formal dispute. I am exercising my rights under FCRA to ensure only accurate and verifiable information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I object in the strongest terms to the unfair banking policies regarding what I XXXX or XXXX not pay for using services like XXXX, XXXX, Paypal, etc. As a payment processor, their role is exactly that : processing the payments I make for goods or services. Their role is not to determine whether or not those goods or services are morally objectionable for a vocal XXXX 

I've come to understand that several fringe XXXX XXXX XXXX XXXXXXXX and false information have been calling and emailing credit processing companies to curtail the use of CC and Debit processing for businesses and artists they object to on moral or ideological grounds. So I must now write and add my voice to the appropriate anti-reaction in response to their disinformation and dogmatic censorship. I've actually heard their boast that it merely took 1000 calls to persuade both XXXX and XXXX to impose financial sanctions on companies that XXXX produce material they object to. And I'm not having it. They've no business imposing their questionable moralities on my life or what I'm purchasing. 

I will take steps to find less impressionable means of payment for my goods and services if necessary. I demand that you compel these companies to rescind these draconian measures on the gaming and entertainment industries, as well as any industry wherein some lunatic fringe wants to decide for me how my money should be spent. And the immediate groundswell of protest at their latest policies have shown that my opinion is much more with the majority opinion in this case. Far more than the XXXX XXXXXXXX that spurred the decision on their part. As I believe this likely violates several fair banking regulations and/or laws, I also wanted to file a complaint with the CFPB on the matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that there was an incorrect address on my consumer report which need to be removed because it is not my address, it is important that accuracy of consumer report is guaranteed bu the bureaus according to the FRCA laws please remove the following address. 

XXXX XXXX XXXX XXXX, TX 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 2025-07-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
XXXXXXXX XXXX transfer to third party collections XXXX XXXX XXXX they sent correspondence I wort back asking for wet ink signature, authority to collect, chain of title. Sent thru mailing certified green no response sent a cease and Desist to both companies. Have been harmful to my family for 2 yrs on a closed account.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX transfer to third party collections XXXX XXXX XXXX they sent correspondence I wort back asking for wet ink signature, authority to collect, chain of title. Sent thru mailing certified green no response sent a cease and Desist to both companies. Have been harmful to my family for 2 yrs on a closed account.

Company response to consumer: Closed with explanation