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

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXXXXXX was personally served at their XXXX office with the Motion to Expedite Emergency Hearing related to Case No. XXXX. This followed multiple prior filings and documented attempts to serve Capital One through XXXX XXXXXXXX, who continued to accept physical service at their intake window despite later claiming they were not the registered agent. The representative at the desk accepted the documents without asking who they were for, further reinforcing that XXXX XXXX has been knowingly and voluntarily receiving legal filings for Capital One. Their sudden rejection, after multiple instances of acceptance, appears to be part of a broader pattern of procedural deception and legal misdirection. 

The motion is urgent due to ongoing legal maneuvering designed to delay judicial review and avoid accountability. The emergency hearing request includes Exhibit Aan official rejection notice dated XX/XX/year>, in which XXXX XXXXXXXX ( via XXXX XXXX ) denied being the agent of Capital One, despite physically accepting the filing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to urgently appeal the repeated denials of my claim for unauthorized transactions totaling {$700.00} on my account ( XXXX ). My claim was initially denied on XX/XX/year>, and denied again on XX/XX/XXXX, despite substantial evidence submitted to Bankclaimsprocessing. This matter requires immediate attention due to its severe impact on my health and financial stability. 

Key Details : Evidence Provided : I submitted a photo of myself taken in XXXX on XX/XX/year>, a screenshot of my trip details, and a text message conversation with a XXXX store employee confirming the recovery of my lost card. These documents, along with evidence of my medical conditions ( e.g., XXXX XXXX XXXX, XXXX XXXX ) that limit my mobility, demonstrate that I could not have authorized the disputed transactions. 

Repeated Denials : Capital Ones decisions, based on CHIP and PIN use and deposits, fail to address my alibi and the fact that my card was stolen, as evidenced by its return to me via the XXXX employee. 

Health Impact : The {$700.00} loss has prevented me from purchasing critical medications to prevent XXXX and XXXX, both of which are life-threatening without treatment. I rely on a fixed income and this account for medical and basic needs, and this delay places me at immediate risk. 

Request for Action : I respectfully demand an expedited review of my claim and full reimbursement of {$700.00}, as my prompt reporting of the lost card limits my liability to $ XXXX {$50.00} under Regulation E. I have informed your team that failure to resolve this may result in hospitalization, for which I will hold Capital One liable for costs and pursue legal action. Please escalate this matter to a supervisor or the executive office immediately. I am prepared to provide additional documentation, including medical prescriptions or a doctors note, upon request. 

Next Steps : I have updated my complaint with the Consumer Financial Protection Bureau ( CFPB ) and requested escalation to the FDIC, given Capital Ones FDIC-insured status. I expect a response by XX/XX/year>, to avoid further escalation. Please contact meto confirm receipt and provide an update. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my following accounts ending in : 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX, Account # XXXX 5. XXXX, Account # XXXX 6. XXXX XXXX Account XXXX XXXX 7. XXXX, Account # XXXX 8. XXXX/, Account\ # XXXX 9. XXXX, Account # XXXX 10. XXXX, Account # XXXX 11. XXXX, Account # XXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX 13. XXXX XXXX, Account # XXXX. 
The late payments on these accounts are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 ( s ) ( 2 ) ( a ) furniture must report accurate information. Also under 15USC 1681 ( i ) the credit bureaus must perform a reasonable investigation within 30 days.

Neither of them has provided sufficient evidence to support negative reporting. I am requesting that all negative reporting of all the above mentioned accounts be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against TransUnion for their continued failure to correct and remove multiple inaccurate, misleading, and unverifiable accounts on my credit report, despite multiple disputes this being my 7th round. These disputes have been submitted in writing following all FCRA guidelines, yet TransUnion has not fulfilled their legal obligation to conduct a reasonable investigation under 15 U.S.C. 1681i.

I currently have the following inaccurate data still showing on my report : Wrong Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX ( This is not my address and has never been associated with me. Yet, it remains reported. ) Late Payments during Deferment/Forgiveness Periods on Federal Student Loans : XXXX XXXX ( multiple accounts including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) These show late payments during periods when federal student loan payments were paused under the CARES Act or were in official deferment. This is a clear violation of FCRA 1681e ( b ) failure to report accurate information. 

Collections that were never validated : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these debts. No documentation or validation was provided. These appear to be unverifiable or potentially identity-mixed accounts and should have been removed under FCRA 1681i ( a ) and FDCPA 809 ( b ).

Late Payments on Small/New Accounts Without Proper Notice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A {$26.00} account allegedly with a recent late payment that was never communicated to me an ECOA concern ). 

Old Closed Accounts Still Reporting Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has a {$0.00} balance and was closed, yet it still reflects derogatory activity which is inaccurate and misleading. 

Despite providing detailed documentation and explanations in each round of disputes, TransUnion continues to verify these accounts without providing proof or conducting a meaningful investigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This amounts to willful noncompliance with the FCRA.

I am requesting that the CFPB investigate this matter and hold TransUnion accountable for its failure to meet federal reporting and investigation standards. I also request that these accounts be fully deleted or that TransUnion provide legally verifiable documentation validating every item not simply parrot responses from data furnishers.

Thank you for your attention to this matter.

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 2025-07-07 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: AZ

Complaint narrative:
A new complaint has been filed with the SEC concerning Capital One 's conduct previously reported through multiple CFPB complaints. This SEC filing is based on ongoing patterns of misconduct tied to procedural delays, improper service rejections, and internal systems potentially designed to suppress legal accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-07 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: PA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that I am unfamiliar with. I have asked the CRAs for validation of debt, However, the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the info I am not farmiliar with.

Please see attached a copy of my ID, the FTC complaint, a Copy of the Equifax Data breach report showing my info being exposed. etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: WA

Complaint narrative:
This is a formal complaint against EQUIFAX INFORMATION SERVICES LLC for its ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as its violation of the automatic stay provision under 11 U.S. Code 362. The account in questionXXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) was included in my XXXX  XXXX bankruptcy, which was filed on XX/XX/XXXX, and discharged on XX/XX/XXXX, under the U.S. Bankruptcy Court in XXXX, WA ( Case No. XXXX ). However, EQUIFAX continues to report this account in a manner that is inaccurate and misleading, potentially harming my credit profile and standing in violation of federal consumer protection laws. 

EQUIFAX has failed to ensure that the reporting of this account accurately reflects its discharge in bankruptcy, which constitutes a direct violation of FCRA 607 ( b ), requiring the use of reasonable procedures to ensure maximum possible accuracy. Furthermore, such continued reporting after discharge may constitute a willful or negligent act, triggering liability under FCRA 1681n and 1681o. Additionally, I assert my right under FCRA 609 ( a ) to request the source of this information, including the name and contact information of any furnisher or third-party data provider responsible for the current reporting status of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am submitting this complaint with full certainty and deep frustration. My credit report contains multiple errors that can no longer be overlooked. These inaccuracies are seriously damaging my credit score and interfering with my ability to achieve financial stability and independence.

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 2025-07-07 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for their continued failure to accurately report the status of my accounts in compliance with federal law following my XXXX  XXXX Bankruptcy discharge. I filed for XXXX  XXXX Bankruptcy under Reference # XXXX in the U.S. Bankruptcy Court and all qualifying debts were discharged under the United States Bankruptcy XXXX XXXX. Despite the legal discharge, TransUnion has failed to update or remove the related accounts and continues to report them with derogatory statuses such as charge-offs, collections, and balances due. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 1 ), which prohibits the reporting of discharged debts as active or derogatory. It also violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 1681i, which mandates prompt reinvestigation of disputed information. Furthermore, by allowing the continued reporting of these accounts after bankruptcy discharge, TransUnion is contributing to unlawful collection efforts and emotional distress, in violation of the permanent injunction granted under Bankruptcy XXXX XXXX ( a ) ( 2 ), which prohibits any act to collect or recover a discharged debt. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to initiate immediate action and compel TransUnion to conduct a thorough investigation, remove or accurately update all discharged accounts included in my XXXX XXXX Bankruptcy, and ensure my credit report reflects accurate and lawful information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against * * Cash App * * for wrongfully closing my account and falsely accusing me of * * fraudulent activity * * without providing any evidence or explanation.

Cash App notified me that my account was closed for violating their * * Terms of Service ( TOS ) * *, specifically citing fraudulent activity. However, I have never engaged in fraud, and all my transactions were legitimate. Cash App refuses to specify which transactions or actions were considered fraudulent, and there was no warning or appeal process before my account was shut down.

This lack of transparency has left me unable to access my funds or defend myself against these baseless accusations. I believe Cash Apps actions may violate : - * * The Electronic Fund Transfer Act ( EFTA ) * * which requires clear justification for account closures.

- * * CFPB guidelines * * which prohibit unfair or deceptive practices in financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Im reaching out due to a negative item from Kohls Department store on my credit report that shouldnt be there. Its been dragging my credit for years when the remaining balance was paid just as long ago. Once paid, the credit card ( w/ a max of only {$200.00} ) was destroyed well before any activity in question and I have not returned to Kohls since. No certified mail was sent to my current or old address of this due balance and no phone calls were received. The " past due " amount is {$420.00}. 

This was reported to XXXX  on XX/XX/year> who disputed the negative charge and advised me to follow up with the FCRA to have the issue addressed. This delinquency is inaccurate and has unfairly affected my credit. Im requesting a formal investigation under the FCRA so this can be looked into thoroughly and hopefully be resolved. 

Thank you!

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

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-07 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief