vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I believe I opened the account on XX/XX/XXXX and deposited {$70.00} from my XXXX Bank account. After that, I was unable to access the funds, and the account showed my mother 's name instead of mine. When we tried to set up her own Capital One account to help resolve the issue, the system would not allow it. 

I called Capital One and asked why she couldnt make an account. They didnt give a clear explanation and told me to go into a branch. I also spent time linking my original bank account again through the app so I could transfer the money out, but even though it said the account was already linked, it wouldn't let me select it for the transfer. 

Later, I called again and requested that the {$70.00} be returned to my U.S. Bank account. They refused, saying I had to go into a branch in person, even though I had verified everything online and answered all their security questions. 

The support was unhelpful, and it feels like theyre holding my money without offering any valid alternative, especially for a service that was advertised as an easy online setup.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was exposed to the XXXX Data Breach, and my identity was compromised. I do not recognize these accounts listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-29 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: TX

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Creditor or Credit Bureau Name ] [ Their Address ] [ City, State, ZIP Code ] Subject : Request for Account Details Not a Dispute To Whom It May Concern, I am writing in regard to the closed auto loan account listed under account number XXXX, which appears on my credit report. Please note that I am not disputing this account or its reporting. However, I am requesting additional details for my personal records. 

Specifically, I am requesting the following information associated with this account : The date of first delinquency. 

The date of last payment. 

The date of charge-off, if applicable. 

I would appreciate your assistance in providing this information at your earliest convenience. If any additional authorization or documentation is required from me to process this request, please let me know. 

Thank you for your time and cooperation. 

Sincerely, [ Your Full Name ] [ Last 4 digits of SSN if required or applicable ]

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 2025-06-29 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: DC

Complaint narrative:
I am writing to demand the immediate and permanent removal of fraudulent accounts and unauthorized inquiries that have reappeared on my credit report, despite having been previously deleted.\n\nThese items were already disputed and removed after I submitted an Identity Theft Report. However, they were later reinserted without proper notice or verification, which violates FCRA 611 ( a ) ( 5 ) ( B ). Now, I am formally requesting that these items be permanently BLOCKED AND REMOVED FROM MY CREDIT REPORTS AND ALL THREE CREDIT BUREAU under FCRA 605B.

HARD INQUIRIES AND ACCOUNTS THAT KEEP POPPING BACK UP ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed the following documents, as required by law : \n 1. A notarized affidavit affirming I did not authorize or open the disputed accounts.\n 2. A copy of my FTC Identity Theft Report.\n 3. A copy of my government-issued ID.\n 4. Proof of my current address.\n 5. A list of the fraudulent accounts and inquiries.\n\nUnder FCRA 605B, you are required to block this fraudulent information from my report within four ( 4 ) business days of receiving this request and supporting documentation. This is not optional, and I am exercising my rights under federal law.\n\nPlease send written confirmation that these items have been permanently removed and blocked from reappearing in the future. Also, provide an updated copy of my credit report reflecting these changes.\n\nIf you fail to comply, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and may seek legal recourse for damages under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: DC

Complaint narrative:
I am writing to demand the immediate and permanent removal of fraudulent accounts and unauthorized inquiries that have reappeared on my credit report, despite having been previously deleted.\n\nThese items were already disputed and removed after I submitted an Identity Theft Report. However, they were later reinserted without proper notice or verification, which violates FCRA 611 ( a ) ( 5 ) ( B ). Now, I am formally requesting that these items be permanently BLOCKED AND REMOVED FROM MY CREDIT REPORTS AND ALL THREE CREDIT BUREAU under FCRA 605B.

HARD INQUIRIES AND ACCOUNTS THAT KEEP POPPING BACK UP ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed the following documents, as required by law : \n 1. A notarized affidavit affirming I did not authorize or open the disputed accounts.\n 2. A copy of my FTC Identity Theft Report.\n 3. A copy of my government-issued ID.\n 4. Proof of my current address.\n 5. A list of the fraudulent accounts and inquiries.\n\nUnder FCRA 605B, you are required to block this fraudulent information from my report within four ( 4 ) business days of receiving this request and supporting documentation. This is not optional, and I am exercising my rights under federal law.\n\nPlease send written confirmation that these items have been permanently removed and blocked from reappearing in the future. Also, provide an updated copy of my credit report reflecting these changes.\n\nIf you fail to comply, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and may seek legal recourse for damages under the FCRA.

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 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have a {$24000.00} debt with XXXX/World Omni . The vehicle was apart of a XXXX XXXX bankruptcy. Balance was originally XXXX and Believe {$13000.00} was paid to them through the bankruptcy. I had the bankruptcy dismissed in XXXXXXXX XXXX XXXX The vehicle was repossessed and sold for {$18000.00} I believe. But the sale of the vehicle wasnt taken off of the {$24000.00} balance. So the incorrect balance is reflected upon all XXXX of my credit bureau reports. Ive tried to resolve this matter with them on several occasions and Ive never received any correspondence by mail or telephone. Could this account be updated with the correct amount or be removed from my credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
There is fews hard inquiries that does not belong to me and I would like to get it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There is fews hard inquiries that does not belong to me and I would like to get it removed

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 2025-06-29 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Complaint Type : Credit Reporting Improper use of credit report or credit inquiry Business Name : XXXX XXXX XXXX Summary of the Complaint : I am filing this complaint against XXXX XXXX XXXX, a California-based dealership, for misuse of my credit report and failure to complete a promised transaction after initiating an unauthorized credit inquiry. 
On XX/XX/year>, a broker on my behalf began working with XXXX XXXX, Fleet Manager at XXXX XXXX XXXX, to lease a vehicle through their Fleet sales program. He assured me the transaction was approved, and without my consent, ran a hard inquiry on my credit report. 
Since then : No paperwork or contract has been sent The dealership has ceased communication entirely The transaction was neither completed nor formally canceled As a result, my credit was impacted for a transaction that never occurred, and no explanation has been offered. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and unethical use of consumer information. 
I respectfully request the CFPB investigate and compel the dealership to : Provide an explanation or resolution, and Remove the credit inquiry if it is deemed unauthorized or unjustified Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 16819 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I never received my XXXX  debit card but somehow it has been compromised and being used for unauthorized charges on my account. When I saw my money has been taken from my account I called XXXX  immediately. They told me that my XXXX  debit card has never been activated but it's still being used somehow and they couldn't explain how it was happening. They filed a fraud dispute for the unauthorized charges on my XXXX  debit card. Then two hours later they denied the fraud dispute without saying why they didn't even investigate them or do anything they are legally supposed to do!! This is absurd they didn't do anything they are legally required to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-06-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: Self Financial Inc.
State: GA

Complaint narrative:
I am filing this complaint under the protections of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s2 ( a ). I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. It is illegal under the FCRA for any furnisher to report information they know or reasonably should know is inaccurate. 

I previously submitted a complaint and formal request to this company for full validation of the account they are reporting. To this day, they have failed to send any of the documentation I requested, which includes : A full verification of the debt, The original signed contract bearing my signature, A clear explanation of the amount owed and how it was calculated. 
Their refusal to provide these basic documents makes the account unverifiable and therefore unlawful to report under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ).

Furthermore, the account continues to be reported inaccurately and differently across the three major credit bureaus, which demonstrates a clear lack of accuracy and consistency, also in violation of the FCRA. Examples of conflicting data include : Closed Date : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Last Date of Activity : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX High Credit Limit : XXXX  : {$100.00} XXXX  and XXXX  : {$50.00} Payment Status : XXXX  and XXXX  : " Paid as agreed '' XXXX  : " XXXX  days late '' The creditor 's contact information is reported differently on each bureau, adding further inconsistency. 

Additionally, the company name itself is being reported inconsistently across the credit bureaus, which further contributes to the inaccuracy and confusion surrounding this account. Specifically, the name appears as SELF FINANCIAL/LEAD BA on some reports and simply as SELF FINANCIAL on others. This type of discrepancy reflects a lack of standardized reporting and adds to the accounts overall unreliability and unlawfulness under the FCRA I am requesting that this account be thoroughly reviewed. If the creditor can not provide proper verification and resolve the inconsistent reporting, the information must be deleted from all credit reports as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My card was lost once I noticed it was lost I logged in and noticed charges that I didnt make so I call Bank of America and file a dispute I was told the funds will be credited to me while they investigate still no no funds have been credited to me I kindly request provisional credit

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 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: PR

Complaint narrative:
I would like to get this account removed from my credit report and also I would like this company to cease and desist all contact methods since the contract was broken the moment they sold the account to a third party company. This account was sold to a third party company without my consent and no payments were late nor on collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
There is fews hard inquiries that does not belong to me and I would like to get it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I disputed an account that is inaccurately being reported by XXXX. I requested proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Truth in Lending Act ( 15 U.S.C. 16011602 ). XXXX responded with a generic letter that does not include a signed agreement, application, or supporting documentation. This does not constitute legal verification and violates my consumer rights. The attached response from the furnisher does not provide sufficient verification under 15 USC 1681. No signed contract or application has been provided. nor any supporting documentation that validates this debt under applicable law.

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