vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Company : Capital One Bank, Credit Card Servicing Department Account in Question : Opened on or around XX/XX/XXXX Original Credit Limit : {$300.00} Nature of the Complaint : Unjust Account Closure, Deceptive Practices, and Harmful Credit Reporting To Whom It May Concern, I am writing to formally submit a complaint regarding egregious actions taken by Capital One Bank, specifically its credit card servicing department, which have not only harmed my financial integrity but have also violated both federal and state-level consumer protection laws. 

In XXXX of XXXX, I opened a credit card account with Capital One with a credit limit of {$300.00}. The account remained in good standing until approximately XXXX of XXXX, at which time I experienced unforeseen financial hardship that limited my ability to make regular payments. Nevertheless, I remained committed to resolving the balance in good faith. 

To my alarm, in XXXX of XXXX, Capital One unilaterally closed the account without any advanced notice, written communication, or consent on my partdespite my ongoing efforts to maintain responsible payment. When I contacted the Capital One servicing department seeking clarity and resolution, I was informed that while I could continue making payments, I would not be allowed to reinstate, access, or fully resolve the account status because the decision to close the account was deemed not mine to make. 

This practice raises multiple legal concerns under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates accurate, fair, and substantiated credit reporting. The unilateral closure of my accountwithout consent or due processand the continued negative reporting have significantly impaired my credit score, financial reputation, and access to credit markets.

Additionally, the Equal Credit Opportunity Act ( ECOA ) [ 15 U.S. Code 1691 ] ensures that creditors must notify consumers of adverse actions taken on their accounts. Capital One failed to do so in this case, thereby violating notification rights under federal law. 

This conduct further infringes on my constitutional rights, including : The right to due process under the 14th Amendment, as I was not given any fair opportunity to dispute or rectify the closure ; The right to transparency and accountability from financial institutions operating under federal charters and protections.

Furthermore, as a resident of Mississippi, I am protected under Mississippi Code 75-24-5, which prohibits unfair or deceptive acts or practices in the course of trade or commerce. The treatment I received, coupled with the refusal to allow reinstatement or dispute, may amount to deceptive and unethical financial servicing behavior within the state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a chime account but I ended up losing my phone and all my cards. I didnt know that someone had been using my chime account until I got a message to my email saying the account was gon na be closed because of fraud. Now I can not open up any bank at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Equifax is in violation of : 15 USC 1681e ( b ) Reporting with less than maximum possible accuracy 15 USC 1681i ( a ) Failure to properly reinvestigate disputes 15 USC 1681s-2 ( b ) Failure to correct known inaccurate information Metro 2 Guidelines Contradictory account status and re-aged dates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have made a number of payments above and beyond the monthly plan to the tune of {$2100.00}. PNC said that they applied those payment to the balance but my Customer History Report obtained from PNC does not reflect it. I have had several conversations with an agent but they are no help and always say that they are not familiar with their auto loan procedures and don't work in that department. I called them to get this credited to the balance so I could pay off the loan last XXXX XXXX and have been paying interest since then. 
I am requesting help to determine an accurate payoff amount. 
Also, I can supply documents upon request. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding several unauthorized and fraudulent inquiries that have appeared on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, and I believe they constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. On XX/XX/year>, upon reviewing my Experian credit report, I discovered the following inquiries that I did not authorize and for which I have no corresponding applications or transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These inquiries, all dated XX/XX/year>, are entirely fraudulent. I did not initiate any credit applications or transactions with these entities on or around this date, nor did I provide any authorization for them to access my credit report. Under the Fair Credit Reporting Act : 15 U.S.C. 1681b ( Section 604 ) - Permissible purposes of consumer reports : This section clearly outlines the limited circumstances under which a consumer report may be furnished. My authorization was not provided for any of these inquiries, and there was no legitimate business need for these entities to access my report in connection with a transaction initiated by me. 15 U.S.C. 1681q ( Section 619 ) - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses is in violation of this section. Given that I did not authorize these inquiries, it appears they were obtained under false pretenses. 15 U.S.C.

1681i ( Section 611 ) - Procedure in case of disputed accuracy : I have the right to dispute inaccurate information on my credit report.

These unauthorized inquiries are inaccurate representations of my credit activity. 15 U.S.C. 1681s-2 ( Section 623 ) - Responsibilities of furnishers of information to consumer reporting agencies : Entities furnishing information to consumer reporting agencies have a duty to provide accurate information and to investigate disputes. I request that the Federal Trade Commission investigate these unauthorized and fraudulent inquiries thoroughly. I urge the FTC to take appropriate action against the entities responsible for these violations and to ensure that these fraudulent inquiries are promptly 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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
Account opened in my name without my consent, I sent the proper documents showing that I was a victim of a robbery and ID was used to obtain credit with the use of my personal information. The refuse to acknowledge my documents as proof of fraud and me being a victim of a robbery and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 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: CA

Complaint narrative:
Re : Request for Reinvestigation and Deletion of Unverifiable Information Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally request that you conduct a reinvestigation of all negative information currently appearing on my consumer credit report. You are reporting inaccurate accounts on my consumer report.

If any information can not be fully verified, I request that it be deleted immediately in accordance with your obligations under the Fair Credit Reporting Act.

Please provide me with written confirmation of the results of your reinvestigation. 

Thank you for your time and attention. 

Sincerely, 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 2025-07-21 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: NY

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX FTC Report Number : XXXX Date of Complaint : XX/XX/XXXX Subject : Formal Complaint Against TransUnion for XXXX XXXX XXXX Violations of FCRA, XXXX, XXXX, and UDAAP I am submitting this formal complaint against TransUnion, XXXX for willfully and XXXX reporting multiple unauthorized accounts on my consumer credit file. These accounts were added without my knowledge or express authorization, which is a direct violation of federal consumer protection laws including : FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681e ( b ), 1681i ) TILA Truth in Lending Act ( 15 U.S.C. 1631 ) GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ; 16 C.F.R. 313 ) Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP 12 U.S.C. 5531 ( prohibition of unfair, deceptive, or abusive acts ) Lack of Documentation TransUnion has failed to provide verifiable documentation under 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), ( 2 ) These actions have had a severe negative impact on my personal finances, credit score, and overall well-being. I have submitted a formal complaint to the FTC ( Report XXXX. XXXX ), and TransUnion has failed to resolve the issue as required by law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I affirm that I never opened, authorized, or signed for these accounts. TransUnion has not provided any proof of my legal obligation to these accounts, nor any original signed agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I inadvertently sent a payment of {$1200.00} to a credit card company that had a XXXX balance. Subsequently I received a statement showing the credit. Not intending to use the card, I asked for a refund check. They complied, and I thought the problem was solved. A few months later, I received a statement showing a balance due of {$1200.00}, the same amount I sent by mistake. I tried everything in my power to resolve this to no avail. I asked for a receipt to show what I purchased, but no reply as I didn't buy anything. Interest began to accumulate. Then I was turned over to a collection agency. I tried to explain the problem to collection but nothing resolved. I've been fighting this for XXXX years with an unbelievable number of phone calls, letters, supporting documents etc. Now my credit has been affected and with the interest incurred, the amount in question is up to {$1600.00}. I don't have a mortgage and have never paid a XXXX of interest. Up until XXXX weeks, ago, XX/XX/XXXX, I sent a letter with more supporting documents to the collection agency presently handling the account. I just get a reply that nothing has changed with the status of my claim. Experian has been involved as well, and they just refer me to the collection agency to handle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent, inaccurate accounts, as I have no knowledge of any of these accounts due to the TransUnion data breaches/ identity theft. All is being investigated by the FTC and CFPB.

According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.

Please remove all fraudulent, inaccurate accounts, as I do not know of any of these accounts due to the TransUnion data breaches/ identity theft. All is being investigated by the FTC and CFPB.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection account listed on my credit report. The account in question is being reported by " Collection '' acting on behalf of or in association. I have tried many methods of trying to find out who the collection company is and can not locate their contact information. I believe this to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. In addition, I have not received proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), nor was I provided with notice of the debt in accordance with federal law..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am a victim of identity theft, and XXXX fraudulent accounts are being reported on my credit report without my authorization : XXXX. XXXX XXXX XXXX account ending in XXXX balance : {$10000.00} XXXX. XXXXXXXX XXXX XXXX account ending in XXXX balance : {$2200.00} I did not open or authorize either of these accounts. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX are the result of identity theft and are currently appearing on my [ XXXX / Equifax ] credit report, causing serious harm to my credit profile. I submitted the required documentation under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including an identity theft affidavit and supporting documents, requesting that these accounts be blocked and deleted within XXXX business days. Despite this, the accounts are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
i applied for discover secure card on XXXX XXXX  and on XX/XX/XXXX XXXXXXXX  they withdrew XXXX $ from my XXXX XXXX account, but after few days they sent me a letter and they denied my application, i several time talked to discover for refund my money, but they told me that, i have to ask my bank to re my money.i asked bank and after some process they told me wait for few days.after few days they sent me mail that they cant refund my money.and i should ask discover bank.when i asked discover, they told me they cant help me, and i should ask XXXX XXXX.i need to your help for refund my money to my account.

Company response to consumer: Closed with non-monetary relief