vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on 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 2025-08-23 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: CA

Complaint narrative:
I was recently approved for a new Capital One credit card, but the account was closed before I ever received the card. When I contacted Capital One, I was only told there were discrepancies with my accounts, but no clear explanation was provided. 
I suspect this may be connected to a prior Capital One account that was fraudulently opened under my name due to identity theft. That account was already reported, investigated, and removed from my credit reports. Despite this, Capital One has not given me any way to separate my information from that fraud case, and I am now being penalized for an account I never even received or used.

As a result, my credit report now shows ( 1 ) a closed account and ( 2 ) a hard inquiry from Capital One, both of which are negatively affecting my credit score. This is unfair and harmful to my efforts to rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
In XXXX i discovered several unauthorized fraudulent accounts and the XXXX  XXXX Bankruptcy filing XXXX XXXX XXXX. I have never approved or opened any of these accounts or the bankruptcy and I do not know who is responsible for this fraudulent activity. These false records are causing severe and ongoing damage to my credit my financial stability and my personal life. This situation has created stress XXXX  and hardship as I have been forced to spend significant time and effort to protect my identity and correct my credit file. I am exercising my rights under the Fair Credit Reporting Act which requires that fraudulent information be blocked from my report when supported by an FTC Identity Theft Report and proof of identity. I am providing these documents with this request and I expect written confirmation that every fraudulent account and the bankruptcy have been permanently removed 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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: CA

Complaint narrative:
I got into an accident.... the car was repossessed by the company ... I don't have the vehicle... and this happened during COVID 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc
State: NE

Complaint narrative:
Daily pay is refusing to issue my paycheck to me they tell me they have every right to hold it until I send them my pay stub they have a contract through XXXX 's they see my hours they see my pay so I don't understand why they're holding my funds for any reason and all they do is tell me to contact XXXX 's and when I contact XXXX 's I get told to contact daily pay because it's their system and daily pay doesn't want to offer any help whatsoever they just tell me to keep calling XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: GA

Complaint narrative:
I XXXX XXXX chime account was closed for unknown reason on XX/XX/2025, after I filed a dispute on XX/XX/2025 in the amount of {$1000.00}. After my account was closed my dispute was approved on XX/XX/2025. The account was negative XXXX upon closure which left {$950.00}, When I opened up my chime account I used my legal social security number and my legal first and last name to match my social security number. When I got done opening the account chime gave me an option to put a nick name which is XXXX XXXX ( a name you would preferred to be called ) not to use as my legal name. Chime send me a check after a month for the amount of XXXX with my nick name that was on the account. I have reached out several times to chime to reissue me a check with my legal first and last name on it as how I signed up. Chime stated since the account was closed they could not change the nick name on the account to my legal name so they can only issue me a check with the nick name I put on the account. I have proof of phone calls and emails about this event. When I call chime their automated response states they have found an account belonging to XXXX not XXXX when I call chime member services they have to verify my legal first and last name last four of my social and my physical address chime have given me the run around telling me they are not able to issue me my funds with my legal first and last name because of the nick name I chose now upon the closure of my account notice they addressed me by XXXX so I know they know that it my legal first and last name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Balance reporting blank instead of {$0.00} Law Violated : FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ) How Violated : A discharged account must show a {$0.00} balance, yet the balance field is blank. This is incomplete and misleading, suggesting the balance is unknown or unsettled.

Monthly Payment still reported as {$500.00} Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) How Violated : Reporting a monthly payment after bankruptcy implies a legal obligation to pay, which is false because the debt was eliminated by discharge.

Highest Balance ( {$690.00} ) reported in a misleading way Law Violated : FCRA 602 ( A ) & 607 ( b ) ( 15 U.S.C.

1681e ( b ) ) How Violated : While highest balance can be historically noted, Experian/XXXX report it in a way that implies this balance is still relevant, misleading lenders about my actual obligations. 
Status Updated : XX/XX/year> ( re-aging account ) Law Violated : FCRA 605 ( a ) ( 1 ) - ( 5 ) & 607 ( b ) How Violated : Updating the status years after bankruptcy makes the account appear more recent than it is. This illegal 're-aging ' extends negative impact beyond the allowed reporting timeframe.

Incomplete fields left blank Law Violated : FCRA 607 ( b ) How Violated : Reports must be complete and accurate. By leaving fields blank, Experian/XXXX  make the account look active and unresolved. 
Failure to fully correct reporting after bankruptcy Law Violated : FCRA 623 ( a ) ( 2 ) How Violated : Although the account says 'Discharged in XXXX, ' they failed to correct all fields ( balance, payments, usage ), leaving inconsistent and misleading data.

Experians failure to detect and correct inaccuracies Law Violated : FCRA 611 ( 15 U.S.C. 1681i ) & 607 ( b ) How Violated : Experian should have reinvestigated and corrected this account. Instead, they allow contradictory data ( bankruptcy discharge + monthly payment owed ) to remain.

Misrepresentation of XXXX  discharge itself Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) & 605B How Violated : XXXX/Experian acknowledge bankruptcy but still report the account as if obligations remain. This misrepresents the true legal effect of the discharge.

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 2025-08-23 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I am filing a formal complaint for improper reporting of a charge-off on my credit file and failure to comply with federal reporting requirements. 

The account in question is : Creditor Name : Exeter XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account has been reported to the credit bureaus as a charge-off. However : XXXX. If the account was truly charged off, the creditor was required under IRS Code 6050P to issue a Form 1099-C ( Cancellation of Debt ). I have never received a 1099-C for this account.

2. Without the issuance of a 1099-C, reporting this account as a charge-off is misleading and inaccurate.

3. This violates the Fair Credit Reporting Act ( FCRA 602, 623, and 611 ), which requires furnishers of credit information to report with maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Debt collectors with Harris and Harris started calling mulitiple times per day using about 10 different phone numbers. They tried to collect a debt that was already paid.

In addition, even if the debt was outstanding I have loan forgiveness since a tragic accident in 2021 as I am now XXXX  and I am unable to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I disputed an account reported by XXXX XXXX as a repossession with TransUnion on XX/XX/year>. On XX/XX/year>, TransUnion sent me a written notice stating : Unfortunately, we did not receive dispute results for this account. 

This confirms that XXXX XXXX failed to verify the account within the required 30-day period. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), if a disputed item can not be verified, the credit reporting agency is required by law to delete or correct the information. 

Despite acknowledging that the furnisher did not provide verification, TransUnion has not removed the unverified account from my credit report. This inaccurate reporting is causing ongoing harm to my credit. 

I am requesting the CFPB to investigate this matter and require TransUnion to : 1. Delete the unverified XXXX XXXX repossession from my credit report. 
2. Provide me with an updated copy of my credit file confirming removal.

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 2025-08-23 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: AZ

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. 
Account names as of XX/XX/year> : XXXX XXXX XXXX XXXX  Acct # XXXX Acct # XXXX XXXX XXXX / XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX ( appears twice ) XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX has violated my rights. 

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 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 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 disputed 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

INQUIRY XXXX  XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ) Issue : This inquiry is not authorized and has no permissible purpose Story : I did not apply for credit with XXXX  XXXX on this date, and no supporting records can prove that I consented to this inquiry Instruction : Delete this inquiry immediately as it is unauthorized and unverifiable INQUIRY XXXX  XX/XX/year> Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized inquiry without permissible purpose Story : I never applied for credit with this company on this date, and I did not authorize this hard inquiry. Its presence is fraudulent and damaging to my score Instruction : Delete this inquiry immediately as unverifiable and unauthorized I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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 2025-08-23 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: GA

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 2025-08-23 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:
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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/year> I have requested that my account be closed and my {$2000.00} deposit be refunded to me. I had a balance on my card and told them they could deduct it from they deposit. They told me that my remaining deposit should be received within 30 days. I called the following week to check the status of my refund and to request that it be mailed to my brothers house because Im moving in the coming weeks. The money was still sitting on my cancelled account. I called back the following week and the money hadnt been touched in fact there was no request submitted for the refund to be initiated. They told me it would take XXXX new days to receive the refund. Now today XX/XX/XXXX I called and money is still on my cancelled account and no request for refund to be processsed. XXXX XXXX advised that he would process and that it would now take 30 days from whenever the back office team initiate the request. So basically 30 days from an unknowns date in the future. We are talking about over {$1300.00} and i desperately need to prevent loosing my home and they are playing games with it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
In late XX/XX/year>, I received a letter dated XX/XX/year>, from XXXX XXXX XXXX XXXX ( Ref. # XXXX ), attempting to collect a debt they claim is owed. The total debt listed was {$16000.00}. However, I dispute the validity of this debt. 

On XX/XX/year>, I emailed XXXX with a formal written dispute of the debt and requested supporting information to validate the debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). I also asked that all collection activity be paused until the dispute is resolved and pointed out that their records incorrectly listed my address as having an apartment number, when in fact I live in a single-family home. 

On XX/XX/year>, I followed up by forwarding the same message to XXXX, asking for confirmation that my original email had been received. As of today, I have received no response, no documentation verifying the debt, and no acknowledgment of my dispute. 

This failure to respond while continuing collection activity violates my rights under the FDCPA. I am requesting CFPB assistance to ensure that : The company validates the debt, and Pauses all collection activity until that validation is provided.

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 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
Im writing to address a few recent changes on my credit report that Id like to clarify. Specifically, I took out two student loansone for {$1000.00} and another for $ XXXXand I initially believed they might be forgiven under the recent loan forgiveness initiatives, but that wasnt the case. Unfortunately, I lost track of them, and that impacted my credit score.

Additionally, I had a credit limit of {$600.00} that I used fully at one point, but Ive since paid it off in full. I now understand not to max out my credit utilization. Im hoping we can work together to reflect these updates and

Company response to consumer: Closed with explanation