vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6400.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX, XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-05 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:
Consumer Name : XXXX XXXX, XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6400.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX, XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-06 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for the defamation of character ) XXXX XXXX XXXX XXXX balance {$5500.00}, XXXX XXXX XXXX XXXX balance {$6200.00}.

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 non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
THEY SAY THAT I OWE {$11000.00} TO XXXX XXXX WHICH IS NOT MY ACCOUNT AS MY FATHER HAS THE SAME NAME AS ME BUT I'VE NEVER HAD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Finding, I have disputed this debt as I have never had credit with your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am confident that my personal identity has been stolen as a direct result of a national data breach that compromised my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with CAPITAL ONE or any of the affiliates. I have confirmed and advised CAPITAL ONE that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how CAPITAL ONE approved a credit under my name, without doing any further review and confirmation. Given the fact that CAPITAL ONE has the right to investigate and obtain all necessary information prior to approving any credits, CAPITAL ONE has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, CAPITAL ONE must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that CAPITAL ONE must comply with prior to approving any credit card/lines to anyone. Pursuant to CAPITAL ONE 's online advertisement, CAPITAL ONE encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from CAPITAL ONE stating that my information was used or attempted to be used in order to open an account. Thus, CAPITAL ONE has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, CAPITAL ONE violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for CAPITAL ONE to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I reached out to ALLY BANKING to buy out my lease on a XXXX XXXX XXXX XXXX. 

For over five years, I maintained a consistent and reliable payment history on the lease agreement without a single missed or late payment. This demonstrates not only my financial responsibility but also the good faith Ive shown throughout the life of this loan. I applied before the deadline of XX/XX/XXXX. Proof that they received the entire application has been provideda screenshot from the loan dashboard. I only had one point of contact throughout this process -- XXXX XXXX. 

I have made numerous attempts by phone and email to obtain basic information regarding the status of my loan and options available to resolve the issue, yet have received either delayed, contradictory, or no responses at all. This lack of transparency and responsiveness has made it extremely difficult to address the situation in a timely and constructive manner. As a result, on XX/XX/XXXX my BELOVED XXXX was repossessed without warning, while I was out, leaving me stranded without my house keys, as they were inside my Jeep at the time it was taken. I have not had reliable transportation since, resulting in me having to rely on XXXX to get to and from. 

As of now, I have spoken to several people in various departments across multiple time zones in Ally Bank who all say the same thing -- there is nothing they can do! I am currently working on my end to secure alternative means of financing to get my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I requested a full refund for a booking made through XXXX that was charged to my Capital One credit card. During my first call with XXXX, the representative confirmed that the property was unlivable and stated I would receive a full refund. This agreement was also reflected in the XXXX app. I even have a screenshot from the app showing a service concern was acknowledged and that a refund had been initiated, with a note stating we should receive the amount soon. However, the refund was never issued. 

By the third call, XXXX changed its position, saying they could only issue a refund if the property owner reimbursed them firsteven though they still acknowledged I was entitled to one. This is unreasonable. My transaction was with XXXX, not the individual property owner. A platform should not shift the financial burden of a failed service onto the customer.

I submitted clear documentation to Capital One, including screenshots and written messages, and requested a chargeback. The dispute agent, XXXX XXXX from the Fraud Dispute department, refused to acknowledge the evidence. He repeatedly told me you failed, which felt accusatory and disrespectful. He refused to reopen the dispute, issue a formal denial letter, or provide documentation of their dispute process. When I asked to escalate the matter, he claimed there was no one above him. I reminded him that there is always someone above, but he refused to offer any further assistance.

Capital One mishandled this valid dispute and treated me unfairly, with no transparency or accountability. 

Date of charge : XX/XX/year> Amount : Approximately {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint because I requested a domestic wire from Citi to XXXX XXXX on XX/XX/2025. I spoke to a representative with Citi XXXX XXXX named XXXX today ( XX/XX/2025 ) and was told that the domestic wire will take longer than usual ( 10-15 business days ) instead of the normal 1-3 business days. The reason specified for the wire because I was unhappy with Citi and Citi does not offer extended hours trading. I filed a formal complaint with Citi and requested a call back from a supervisor. I agreed to pay {$25.00} for this wire transfer but Citi is delaying in releasing the funds to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In XX/XX/XXXX, my student loan serviced by XXXX became delinquent due to the unauthorized cancellation of my AutoPay enrollment, which I did not initiate. I never received any email, phone call, or mailed notice warning me that AutoPay had been canceled or that a payment was missed. I have reviewed my inbox and found no notifications from XXXX during that period ( Document attached ). 

Despite reinstating my account and bringing the loan current by XX/XX/XXXX, XXXX has continued reporting six separate tradelines, each with derogatory history stemming from that one missed payment. This is materially inaccurate and disproportionately damaging to my credit profile. 

The company claims their reporting was accurate, but they failed to provide due notice or a meaningful opportunity to cure the default. I am seeking the correction of these tradelines and removal of all negative payment history stemming from this event. 

This issue has negatively impacted my ability to obtain financing and has lowered my credit score significantly. I am resubmitting this complaint with new supporting documentation and request your assistance in ensuring XXXX corrects the reporting. 

I'm attaching my dispute results with Equifax which still shows past due amounts and outdated payment history. I'm attaching my XXXX  credit report which still shows balances with past due amounts on all 6 accounts. I have lost the opportunity to secure a loan over this. 

As a XXXX XXXX borrower, I am particularly concerned that my account was mishandled without notice or support, and my efforts to resolve the matter have not been treated with the same responsiveness as I have seen others receive in similar situations. While I am not making a formal claim of discrimination at this time, I ask that this be reviewed with appropriate oversight to ensure equitable treatment. This is causing me tremendous financial burden and stress overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CT

Complaint narrative:
In XX/XX/XXXX, my student loan serviced by XXXX became delinquent due to the unauthorized cancellation of my AutoPay enrollment, which I did not initiate. I never received any email, phone call, or mailed notice warning me that AutoPay had been canceled or that a payment was missed. I have reviewed my inbox and found no notifications from XXXX during that period ( Document attached ). 

Despite reinstating my account and bringing the loan current by XX/XX/XXXX, XXXX has continued reporting six separate tradelines, each with derogatory history stemming from that one missed payment. This is materially inaccurate and disproportionately damaging to my credit profile. 

The company claims their reporting was accurate, but they failed to provide due notice or a meaningful opportunity to cure the default. I am seeking the correction of these tradelines and removal of all negative payment history stemming from this event. 

This issue has negatively impacted my ability to obtain financing and has lowered my credit score significantly. I am resubmitting this complaint with new supporting documentation and request your assistance in ensuring XXXX corrects the reporting. 

I'm attaching my dispute results with XXXX  which still shows past due amounts and outdated payment history. I'm attaching my Experian credit report which still shows balances with past due amounts on all 6 accounts. I have lost the opportunity to secure a loan over this. 

As a first-generation XXXX borrower, I am particularly concerned that my account was mishandled without notice or support, and my efforts to resolve the matter have not been treated with the same responsiveness as I have seen others receive in similar situations. While I am not making a formal claim of discrimination at this time, I ask that this be reviewed with appropriate oversight to ensure equitable treatment. This is causing me tremendous financial burden and stress overall.

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 2025-08-05 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: CT

Complaint narrative:
In XX/XX/XXXX, my student loan serviced by XXXX became delinquent due to the unauthorized cancellation of my AutoPay enrollment, which I did not initiate. I never received any email, phone call, or mailed notice warning me that AutoPay had been canceled or that a payment was missed. I have reviewed my inbox and found no notifications from XXXX during that period ( Document attached ). 

Despite reinstating my account and bringing the loan current by XX/XX/XXXX, XXXX has continued reporting six separate tradelines, each with derogatory history stemming from that one missed payment. This is materially inaccurate and disproportionately damaging to my credit profile. 

The company claims their reporting was accurate, but they failed to provide due notice or a meaningful opportunity to cure the default. I am seeking the correction of these tradelines and removal of all negative payment history stemming from this event. 

This issue has negatively impacted my ability to obtain financing and has lowered my credit score significantly. I am resubmitting this complaint with new supporting documentation and request your assistance in ensuring XXXX corrects the reporting. 

I'm attaching my dispute results with XXXX  which still shows past due amounts and outdated payment history. I'm attaching my XXXX credit report which still shows balances with past due amounts on all 6 accounts. I have lost the opportunity to secure a loan over this. 

As a first-generation XXXX borrower, I am particularly concerned that my account was mishandled without notice or support, and my efforts to resolve the matter have not been treated with the same responsiveness as I have seen others receive in similar situations. While I am not making a formal claim of discrimination at this time, I ask that this be reviewed with appropriate oversight to ensure equitable treatment. This is causing me tremendous financial burden and stress overall.

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