vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
This is a follow-up to my previous complaint regarding Capital Ones double-charging and mishandling of a legitimate chargeback dispute.

I was notified that Capital One has responded to XXXX on XX/XX/2025, stating that they require my authorization to proceed with my complaint. I hereby grant full authorization for XXXX to share my personal and case details with Capital One for the purpose of investigating and resolving this complaint. 

Below is a summary of my case, which remains unresolved : XXXX. Purchase & Sellers Return Policy On XX/XX/2025, I purchased XXXX XXXX XXXX XXXX ( Order Total : {$61.00} ). The seller offered Free returns within 15 days. 
XXXX. Sellers Refusal to Honor Return Policy The seller rejected my valid return request without cause, as shown in the XXXX order status : Request unsuccessful based on the provided proof. 
XXXX. Capital Ones Unauthorized Double-Charging I filed a chargeback with Capital One for {$61.00} on XX/XX/2025. 
On XX/XX/2025, Capital One issued a PURCHASE ADJUSTMENT of - {$61.00} ( the chargeback ). 
On XX/XX/2025, Capital One reversed that adjustment and charged me again for the same {$61.00}, effectively double-charging me after the dispute was resolved in my favor. 
XXXX. Requested Actions Reverse the unauthorized {$61.00} charge from XX/XX/2025. 
Correct my account to reflect the valid chargeback. 
Investigate Capital Ones dispute handling practices.

I have attached all relevant evidence, including XXXX order screenshots and Capital One transaction records. I trust XXXX will facilitate a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

{$1600.00} et seq. I a m disputing the accuracy, authorization, and legality o f certain information currently appearing in my consumer credit file. Upon review of m y credit report, I identified entries that appear to have been furnished or accessed without my knowledge, authorization, o r written consent.

Under 1 5 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, and only when the consumer has provided lawful authorization where required. I state clearly and affirmatively that I never provided written consent for any entity, creditor, or third-party data furnisher to access, furnish, or obtain my personal information o r credit file for any purpose outside the lawful parameters o f the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 disputing multiple items being reported inaccurately by TransUnion. These items contain inconsistent or unverifiable information. I am requesting a full investigation under the FCRA. 

CHARGED OFF ACCOUNTS Inaccurate / Conflicting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$1000.00} These accounts contain incorrect balances, inconsistent dates, or other inaccuracies that require reinvestigation. If TransUnion can not verify these accounts with complete accuracy, they must be deleted. 

INQUIRIES Not Authorized XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and I request verification or deletion.

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 2025-12-08 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: AR

Complaint narrative:
I have reviewed my credit report and found unverified items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
Mohela has continued to not allow me to make payments on my student loans. The say they are processing my application and that there is no time frame to which they have to process it. They have asked me XXXX times to submit an application and never have processed them. Each time I call and ask to get things processed so that I can make payments they the information provided pushes out the dates on which I will be able to make payments. A couple of months ago they stated that I would not be able to make payments until XX/XX/XXXX. Now it says XXXX of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a request for disputes and update my claim. They said they are working on it, its gon na 5-7 business days. I doubt my claim, its not up for to date and not posted, I called several times and reflect my claims. They just closed and not seeing any results. They just said XXXX me out an authorized, scammer made me deposit and invest. Thats rule me out an unauthorized, no one would authorized a fraud or scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
The listing displayed offers an incomplete and inaccurate representation of my financial habits. I am asking for a formal examination of this information and the appropriate corrective measures.

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I applied for a XXXX XXXX XXXX XX/XX/XXXX, while I was in the loan officers office a preapproval came through. The XXXX XXXX put {$30000.00} as the amount however, if I choose I could use less. I've had business accounts with BoA since XXXX. My business brings an approx amount of {$300000.00} or more yearly to BoA. I have a {$20000.00} line of credit and a {$20000.00} XXXX credit card and both are in good standing. I am confused as to why I was denied this auto loan when I have always been in good standing with the bank. 

I do understand that there is a blemish on my personal credit due to me co-signing for my daughter who missed a payment, however the payment was made and the account has been in good standing ever since. However, that should not affect my business relationship with BoA and I believe this is a discriminatory practice with minor businesses and people of XXXX, it's always a denial first, but they will accept our money for their benefit.

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 2025-12-08 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: PA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just recently looked at my credit report from Experian XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
upon me reviewing my credit reports, i noticed some accounts that were opened fradulent

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 2025-12-08 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-08 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding Service Finance and a UCC-1 financing statement they filed on XX/XX/XXXX, in connection with a home improvement loan. 

I fully paid off this loan today ( XX/XX/XXXX ), and according to their system, the payoff amount was correct. I contacted Service Finance to confirm that the account was paid in full and requested that they release the XXXXCC-1 lien by filing a UCC-3 termination statement.

The representative informed me that their process requires 30 days to send a payoff confirmation letter and an additional 30 days for the release of the UCC-1. I am concerned that this delay is excessive and interferes with my ability to refinance, sell, or obtain a home equity line of credit.

Additionally, Service Finance has been very aggressive in their collection efforts prior to this payoff, which added to my concern about their handling of this matter.

I am requesting assistance from the CFPB to ensure that Service Finance files the XXXX termination promptly and provides written confirmation of the payoff. I would also like the CFPB to review their practices regarding XXXX releases and collection methods. 

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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services is attempting to collect a medical debt that I do not legally owe. The underlying XXXX XXXXXXXX XXXX XXXX XXXX XXXX which must be billed to the U.S. Department of Veterans Affairs under the MISSION Act ( 38 U.S.C. 1703 and 1725 ; 38 CFR 17.40004040 ). Veterans can not be balance-billed for authorized community care.

Despite this protection, the provider sent the bill to collections and CMRE began contacting me. The alleged debt is {$91.00} but was inflated to {$590.00} with fees.

I notified CMRE that this was VA-authorized care and that they are prohibited from attempting collection. They continued to contact me after this notice, including by SMS text message, which violates the FDCPA ( 15 U.S.C. 1692c and 1692e ) and federal veteran billing protections.

This is an attempt to collect a debt that is not legally mine. I am requesting that CMRE immediately cease all collection activity, close the account, and confirm to the CFPB that the debt has been removed and corrected with the provider and the VA Office of Community Care. 

I am attaching screenshots of CMREs communication and the collection notice.

Company response to consumer: Closed with explanation