vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My email account was XXXX was in XXXX XXXX and used to hack into my bank account.The hacker transferred my savings account into my checking account and did a XXXX transfer to someone i do not know and was able to approve this because he had hacked into my email.The web transfer was Done in XXXX FL and I live in XXXX GA but the bank refused to give us our money back, I sent proof to them that the transfer was done in XXXX but they still refused our request.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have sent a certified letter to one-man on XX/XX/year> requesting : A copy of the original signed contract/agreement bearing my signature. 
A full payment ledger/account history from the opening of the account to charge-off, showing how the balance of {$1400.00} was calculated. 
A clear breakdown of the original principal, applied interest, late fees, and any other charges.

Verification of the Date of First Delinquency ( DOFD ) from your internal records, as required for accurate reporting to credit bureaus.

Documentation proving that ONEMAIN is legally authorized to continue reporting and collecting this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VA

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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One continues to send me credit card solicitations in the name of XXXX XXXX at my home address. I do not know this individual. My home is a new build, and I am the only resident who has ever lived at this address. Despite calling Capital Ones customer service on [ insert date ] and being assured that the issue was corrected, I continue to receive mailings.

This is concerning because it suggests that my address has been improperly or fraudulently attached to another individuals identity. I have already placed credit freezes with all three major credit bureaus and filed an identity theft report with the FTC. 

I am requesting that the CFPB require Capital One to : Stop sending solicitations to my address in the name of XXXX XXXX. 
Investigate how my address became associated with this individual. 
Provide written confirmation that no credit accounts have been or will be opened at my address in his name. 


Requested Outcome : Written confirmation from Capital One that my address is no longer associated with XXXX XXXX, and assurance that no further solicitations will be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been inaccurately reported under my credit profile. I want to make it clear that I never authorized, opened, or maintained this account. Its inclusion is not only false but has also caused significant and unjust harm to my creditworthiness. This erroneous reporting misrepresents my financial behavior and places an unfair burden on me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Report Information I am writing to formally dispute inaccurate information on my XXXX  credit report. The item in question is listed under : Creditor Name : Capital One Account Number : XXXX The account is reported as Account charged off. {$460.00} written off, but it continues to show delinquent payment notations for months after the account was closed and sold ( XX/XX/year> ). This is inaccurate because once an account is charged off and transferred, no further payment history should be reported by the original creditor. 

Requested Action : Please investigate this matter and correct or delete the inaccurate payment history for this account. The status should reflect that the account was charged off and sold, with no additional late payment notations after the date of charge-off. 

I have attached a copy of my credit report highlighting the disputed item, along with [ any supporting documents if you have them ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-26 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: TX

Complaint narrative:
Since Ive consistently met due dates in the past, this XXXX instance is misleading and I ask that it be removed from my file.

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 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint against capital one bank the receptive practices related to their 360 high yield interest savings account.Capital one misrepresented the 360 savings account as having one of the nation highest interest rates, yet fail to notify account holders about the superior offered by 360 performance savings account.This deliberate obscurity and lack of transparency violated consumer in resulting in significant financial losses for many, breaching the consumer financial protection act and truth and savings act.I seek redress for the misleading practices and failure to fulfill their advertise promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 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: TX

Complaint narrative:
I am formally disputing the late payment reported on my account. After reviewing my records, it is clear that this entry is inaccurate and does not reflect my actual payment history. I have consistently submitted all payments on time, and the reporting of this false information is damaging to 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 2025-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
It was my refund from a XXXX purchase. The debit card was expired, and the card issuer won't replace it, nor show me a proof that the money was donated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Through this letter, I respectfully request your support in reviewing certain negative accounts that appear on my credit report and which I do not recognize. I have attempted to clarify this matter with the entities that, according to the report, submitted this information ; however, they have confirmed that they do not find any records under my name. This situation has caused me great concern, worry, and stress, to the point of affecting my peace of mind and even disrupting my sleep.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, my Florida home was impacted by a federally declared disaster. My initial FHA-insured mortgage servicer, XXXX XXXX granted me a disaster-related forbearance. Under this agreement, no payments were due, and the servicer was required to suspend negative credit reporting while I complied with the terms. See attached. 

In XX/XX/XXXX, my FHA-insured mortgage was transferred to XXXX XXXX XXXX XXXX XXXX , doing business in Florida as XXXX XXXX XXXX XXXX XXXX  This is wee the nightmare begins. In XXXX of XXXX, I extended the disaster-related forbearance. No payments were due, and the servicer was required to suspend negative credit reporting while I complied with the terms. See attached. 

Despite this, on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX  reported my account as 180 days past due to Experian and 120 days past due to XXXX XXXX XXXX This is impossible because the forbearance covered XX/XX/XXXX through XX/XX/XXXX, and I had no payment obligation during that period. 

I disputed this inaccurate reporting with Experian, XXXX XXXX XXXX three separate times and provided them with the attached letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirming that no payments were due and that no negative credit reporting would occur. Each dispute was verified without correction. Experian, XXXX XXXX XXXX effectively rubber-stamped the disputes and failed and refused to conduct a reasonable and proper investigation or reinvestigation as required by the Fair Credit Reporting Act. See attached results. 

XXXX XXXX XXXX XXXX who is the furnisher of the false information, also failed and refused to conduct a reasonable and proper investigation or reinvestigation as required by the Fair Credit Reporting Act. 

The inaccurate reporting and the refusal to conduct a reasonable and proper investigation or reinvestigation by Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have harmed my credit and caused me significant emotional distress. These actions violate HUD servicing rules, industry Metro 2 standards, and the Fair Credit Reporting Act.

This complaint is in regards the the most recent results dated XX/XX/XXXX and XXXX of XXXX. Since I disputed this more than three times, their actions are knowing and wilful, therefore, I allege a willful violation of the FCRA against them.

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 2025-08-26 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: NC

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 2025-08-26 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 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: MS

Complaint narrative:
I recently received a copy of my credit report and notice several accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MS

Complaint narrative:
I recently received a copy of my credit report and notice several accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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