vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hope this letter reaches you in good health and spirit. The reason for my complaint I ask for a financial hardship several times in XXXXXXXX XXXX XXXX XXXX to Bank Of America would not negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments instead when I was a couple days late less than 30 days late they closed my account. This is a form of retaliation because I ask for a financial hardship. I also feel discriminated against because when I asked for the financial hardship I disclosed I get XXXX and because XXXX XXXX. The reason I asked for a financial hardship is because my XXXX XXXX to {$600.00} but I have gotten it back down to {$360.00} a month. I thought I was going to lose my job because I work on XXXX XXXX on a XXXX XXXX  because everything that is going on with XXXX but that didnt happened. I have no delinquency on my credit report ever and no lates on my credit report. I have paid this card and my other credit cards in full balances off in lumps sums twice. Im going to pay the balances off in lump sums again I just need some time. Things happened especially now things are inflated and Im doing the best that I can. I apologize but I wasnt even given a fair chance. Please dont use I have high balances against me because it has happened twice and I have worked it out and got through it. My credit cards are currently working with me with some type of financial hardship except this one and I have been with them all for over 10 years but Bank Of America was the longest because it was my first one so it has sentimental value. I take pride in having great credit. I have been with Bank Of America since XX/XX/XXXX and they closed my account on XX/XX/XXXX. The last payment I made on XX/XX/XXXX didnt go through and I explained to them why because XXXXXXXX XXXX was holding my funds to my IRS taxes check which was no fault of my own. My Bank Of America credit card being closed is affecting my health and making my XXXX worst. I went to work all this week XXXX XXXX XXXX XXXX XXXX XXXX this has hurt me so much. I did not deserve my credit card being closed and this is going to affect me and my children life. I reached out for help and this is how Im treated. I have always been a great customer to Bank Of America Im not perfect only God is. Please find it to understand everything Im saying and open my card back up I can assure you this will not happened again. Thank you very much for your time. Have a wonderful day!!

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 2025-05-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying XXXX understand some instances why the credit bureaus XXXX take some time XXXX respond but this is so unprofessional. My name is XXXX XXXX XXXX  I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding an ongoing issue with a frozen bank account. My account has been frozen due to a returned ( bounced ) check, and despite the check issuer having contacted Capital One directly to confirm the legitimacy of the check, Capital One has refused to unfreeze my account. 

The check issuer made a genuine effort to resolve the situation and verify that the check was issued to me. However, Capital One dismissed their confirmation solely because the issuers current phone number was not registered in the banks system. As a result, Capital One is treating the check as unverified and continues to restrict my access to the funds in my account. 

This action has left me without access to my own money, despite the situation being clarified by the person who wrote the check. I believe this treatment is unfair, unreasonable, and potentially harmful to my financial stability. 

I am requesting that the CFPB investigate this matter and urge Capital One to reevaluate their decision based on the circumstances and the verification made by the check issuer. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 2025-05-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I joined XXXX XXXX. I met with a personal trainer who advised me to pay for XXXX sessions of training. I provided my card for the XXXX training sessions totalling XXXX. I was accepting of the charges for those XXXX sessions. 
I was unable to access the XXXX sessions due to a XXXX  XXXX coupled with a packed schedule. I was charged for another XXXX sessions for yet another XXXX. 
I contacted XXXX XXXX directly who refused to cancel the sessions and so refused to allow my listed partner to access the training sessions. 
I reached out to Capital one who made a temporary refund and then went ahead to rescind the refund claiming that XXXX was not at fault. They required even more paperwork. I felt hopeless and closed the cards. I was later directed to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an account reported by Capital One on my credit report. The account is listed as charged off and in collections, but it does not identify any third-party debt buyer or collection agency currently owning or servicing the account. 

This makes it impossible for me to verify the accuracy or legitimacy of the debt, or to properly dispute it with the correct party under the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ). 

I also have active, open accounts with Capital One, and I am concerned that disputing the account directly with them could negatively impact my relationship with those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
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

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 2025-05-03 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: WA

Complaint narrative:
Subject : Ongoing Credit Reporting Violations, Unauthorized Inquiries, and Improper Debt Attribution Description of the issue : I am submitting this complaint to formally escalate an issue I previously contested with both the credit bureau ( s ) and a collection agency regarding inaccurate and unauthorized information being reported on my credit file. 

Despite my disputes, the agencies continue to report these accounts and debts as valid, claiming their actions are in compliance with the Fair Credit Reporting Act ( FCRA ). However, I believe this is a misrepresentation of the law and used to justify illegal reporting practices. 

Specifically, I have been : 1. Wrongfully held liable for credit card debts associated with joint accounts that I did not authorize or benefit from. 


2. Assigned debts from credit cards and accounts I have no knowledge of, with no proper validation or documentation. 


3. Subjected to continued reporting of inaccurate information despite submitting formal disputes and requests for verification. 


4. Denied a fair investigation by both the credit bureaus and the collection agencies. 


5. Targeted with XXXX unauthorized credit inquiries that I did not initiate or approve, which are negatively affecting my credit score and were made without my consent. 



These actions have caused me financial and emotional harm and I believe they constitute violations of the FCRA and other consumer protection laws. 

Requested Resolution : Immediate removal of the inaccurate and unauthorized accounts and debts from my credit report. 

Removal of all XXXX unauthorized credit inquiries. 

Written confirmation from the reporting agencies and collectors that these items have been removed. 

A full investigation into the practices of the entities involved and appropriate enforcement action if violations are found. 


My name : 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 2025-05-03 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: WA

Complaint narrative:
Subject : Ongoing Credit Reporting Violations, Unauthorized Inquiries, and Improper Debt Attribution Description of the issue : I am submitting this complaint to formally escalate an issue I previously contested with both the credit bureau ( s ) and a collection agency regarding inaccurate and unauthorized information being reported on my credit file. 

Despite my disputes, the agencies continue to report these accounts and debts as valid, claiming their actions are in compliance with the Fair Credit Reporting Act ( FCRA ). However, I believe this is a misrepresentation of the law and used to justify illegal reporting practices. 

Specifically, I have been : 1. Wrongfully held liable for credit card debts associated with joint accounts that I did not authorize or benefit from. 


2. Assigned debts from credit cards and accounts I have no knowledge of, with no proper validation or documentation. 


3. Subjected to continued reporting of inaccurate information despite submitting formal disputes and requests for verification. 


4. Denied a fair investigation by both the credit bureaus and the collection agencies. 


5. Targeted with XXXX unauthorized credit inquiries that I did not initiate or approve, which are negatively affecting my credit score and were made without my consent. 



These actions have caused me financial and emotional harm and I believe they constitute violations of the FCRA and other consumer protection laws. 

Requested Resolution : Immediate removal of the inaccurate and unauthorized accounts and debts from my credit report. 

Removal of all XXXX unauthorized credit inquiries. 

Written confirmation from the reporting agencies and collectors that these items have been removed. 

A full investigation into the practices of the entities involved and appropriate enforcement action if violations are found. 


My name : 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