vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this email as part of my complaint against Capital One regarding several unauthorized transactions on my checking account ending in XXXX, made using a debit card ending in XXXX, which has since been reported and replaced. 

Despite providing detailed information and documentation, including confirmation of merchant-issued refunds, and closing my account, Capital One has denied the following claims : Claim ending in XXXX Claim ending in XXXX Claim ending in XXXX Claim ending in XXXX Claim ending in XXXX Claim ending in XXXX Included with this complaint, I have attached the following documents for your review : My bank statement with all disputed transactions highlighted in yellow and merchant-issued credits highlighted in green. 
An email from XXXX confirming the closure of my account, which I attempted to do so as I became aware of the unauthorized activity. 
An email from XXXX showing that they issued credits on some of the disputed charges- demonstrating the legitimacy of my claims and my efforts to resolve the issue. 

While I do acknowledge that I made some transactions with XXXX in XXXX, I did not authorize any of the XXXX transactions, which make up the majority of the disputed claims. I believe that Capital One failed to conduct a full and fair investigation. Their denial stated that I authorized or participated in these transactions, which I strongly dispute. The offshore nature of XXXX 's payment processing, through multiple disguised merchants, made it difficult to recognize the transactions on my statement until the money was gone. 

The situation has caused me significant financial hardship. The funds lost were primarily from a car accident settlement that I was relying on for my future security, I trusted my bank to protect me- and I followed all the steps to dispute the charges in good faith, I have multiple dispute claims due to calling every single day as each set of transactions posted on my account. I am now requesting a proper reinvestigation and financial relief. 

I'm not asking for more than what is fair - just a proper review of all evidence and a refund of the unauthorized funds. At this point, I would even accept a partial reimbursement if that is what Capital One is willing to offer. 

Please consider this complaint a serious and urgent request. I respectfully ask that Capital One take a second look at these claims, given the documented refunds, multiple merchant processors, and steps I took to report these transactions. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX  XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX {$52.00} These companies are reporting inacurate information on my credit report without my authorization and in violation of federal law. 
Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) these companies do not have my written permission or a permissible purpose to access or furnish any information to consumer reporting agencies. They have failed to provide evidence of a valid debt or contract bearing my signature.

Additionally, under 15 U.S.C 1681 ( a ) ( 4 ) these reportings violate my right to privacy and economic fairness, as guaranteed by the Fair Credit ACT ( FCRA ). Pursuant to 18 U.S.C 8 I owe no lawful debt to this company.

I am requesting these accounts be removed immediately removed from all credit bureaus, and that this company cease and desist from further reporting or sharing of my personal 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 explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
This letter serves as an official demand for the immediate and permanent deletion of all unauthorized, fraudulent, or otherwise impermissible credit inquiries made to my consumer credit reports. These inquiries were made without my consent, without permissible purpose, and in direct violation of federal law. 

I am demanding the IMMEDIATE deletion of the following hard inquiries from all three credit bureaus ( Experian, Equifax, TransUnion ) : [ List all unauthorized inquiries here, including the name of the inquirer and date if available. Example : ] XXXX  XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Credit XX/XX/XXXX XXXX XXXX  XX/XX/XXXX You are in direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXXXXXb ( f ) : It is illegal to access a consumer 's credit report without a permissible purpose and explicit authorization from the consumer. 

FCRA, XXXX U.S. CXXXX XXXXq : Any person who knowingly and willfully obtains a credit report under false pretenses is guilty of a federal offense. 
/ FCRA Civil Liability, XXXX U.S. CXXXX XXXXn and XXXXo : You are liable for statutory and punitive damages, attorneys fees, and court costs for any willful or negligent noncompliance with the FCRA. 

These inquiries were made without my permission and have negatively impacted my credit score. I did not initiate, authorize, or consent to these inquiries. You are therefore instructed to : Permanently remove all unauthorized inquiries from my credit report immediately. 

Cease and desist from any further access or reporting of my credit file. 

Provide written confirmation of the removal within 15 calendar days of receipt of this letter. 


Failure to comply will result in immediate legal action and formal complaints filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney General 's Office Civil litigation in federal court for damages and injunctive relief This is a final notice. If you are reporting inquiries made without my consent, you are in violation of federal consumer protection laws, and I will pursue all remedies available to me under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX Original Creditor:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$980.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$780.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$520.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$750.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2025-05-09 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$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 2025-05-09 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting I.C. System, Inc. ( Account # XXXX ) Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Equifax for reporting inaccurate and unverified information regarding a collection account placed by XXXX. XXXX, XXXX with account number XXXX. Despite my good-faith efforts to dispute this entry and request debt validation from both Equifax and XXXX. XXXX, XXXX, the inaccurate information continues to be reported and has not been corrected. 

Under 15 U.S.C. 1681s-2, furnishers of information are legally obligated to report accurate data and must correct or delete any information found to be inaccurate or unverifiable after receiving notice of a dispute. Equifaxs continued reporting of this information suggests a failure by both Equifax and XXXX. XXXX, XXXX to comply with these requirements. 

More

over, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies implement reasonable procedures to ensure the maximum possible accuracy of the information they report. The persistent inaccuracy of this account indicates that Equifax is not adhering to this obligation. Additionally, under 15 U.S.C. 1681i, Equifax was required to conduct a reasonable investigation within 30 days of receiving my dispute. To date, neither Equifax nor XXXX. XXXX, XXXX has provided any verifiable documentation to substantiate the debt or explain the reporting. Their responses have been vague, non-compliant, and wholly inadequate. 

My Requests : 1. A full and thorough investigation by the Consumer Financial Protection Bureau into Equifaxs handling of this account and the accuracy of the information being reported. 
2. A formal correction or removal of the XXXX. XXXX, XXXX account if it can not be fully validated and supported by documentation. 
3. A complete disclosure of my XXXX XXXX XXXX ( XXXX ) profile from Equifax. 

Given th

e CFPBs role in enforcing the Fair Credit Reporting Act and protecting consumers from unlawful credit reporting practices, I respectfully urge your office to hold Equifax accountable for its failure to comply with federal law. Thank you for your attention to this matter. I am prepared to provide any supporting documentation needed for your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft, and I believe it is directly related to the XXXX  data breach that occurred in 2017. My personal information, including sensitive financial and identifying data, was compromised as part of that breach. Since then, I have experienced unauthorized activity and fraudulent accounts appearing on my credit report, which I did not open or authorize. This breach has made me vulnerable to ongoing harm, and I am now seeking proper resolution and protection of my consumer rights. Ive also never had a bank account with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
My Equifax credit report also lists recent inquiries from XXXX XXXX XXXX dated XX/XX/year> and XXXX XXXX XXXX dated XX/XX/year>. These inquiries appear to be unverified and are damaging my credit score by falsely indicating recent credit-seeking behavior, which is not accurate. Under 15 USC 1681, I have the right to accurate reporting of my credit information, and the presence of these unverified inquiries is a clear violation of those rights. The ongoing stress of seeing these questionable entries, particularly if they are the result of a potential data breach, has caused significant XXXXXXXX as I struggle to maintain a healthy financial profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
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 2025-05-09 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: NY

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
This is about my cashapp card account. Over 2 months ago I blocked a business from charging my account on my cashapp card account. Which is a feature they offer. The next day they froze my cashapp card for no reason didnt email me or call me or notify me. I reached out to cashapp support they said they needed me to verify my address since I had multiple address. I had never changed my address and its always been XXXX XXXX XXXX XXXX nc XXXX for over 2 years. Anyways I submitted my bank statement from XXXX XXXX XXXX proving my address and I havent heard anything back from them in months I have reached out to their support via cashapp app and called their support number and submitted many of complaints and always get the run around and no answers and no one to help. Today XX/XX/year> I called and reached out via chat and thru chat they told me to resubmit documents proving my address I again submitted my bank statements, check stub from my work. Then I receive a email from cashapp support stating this isnt sufficient because where I am staying is a non residential facility and they need me to get a statement saying that Im a resident and all of this personal information. I feel like my right are being violated and they are asking for way to much personal information. I dont spend or receive alot of money via cashapp and havent changed my address and dont understand why they are doing this to me and treating me this way as a consumer. I need help and answers to resolve my issues with cashapp and my debit card and account with them. Thank you Cashapp reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-08 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: NJ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-08 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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