vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reactivated my checking account with Capital One a few months ago. Since doing so, I have had approximately XXXX XXXX transfers sent to that account. Six were sent to me by my live in girlfriend for bills and two of them were deposits sent to me for a couple puppies we are selling. The first four transfers by my girlfriend went through without any issues. The last two Capital One put a ten day hold on them. They sent me an email stating they believed there would be claims filed on them by the sender which was ridiculous to say the least. Needless to say, no such claims were filed. They proceeded to put holds on both of the XXXX transfers for the puppy deposits as well. And now that they have been verified that they are legitimate they have frozen my account and my money. Upon speaking to them on the phone they stated that I had to provide them with my girlfriends phone number to speak to her. I attempted to do so by handing my girlfriend the phone so the lady could speak to her and she stated that was unacceptable and that she would have to call her on her phone. I explained that we recently changed service providers and that she was waiting upon a code that she needed to get from the previous carrier so she could have her old number assigned to the new phone. She went on to demand that I give her the phone numbers of the two people who sent the XXXX transfers for the puppies as well as our website information. She went on to tell me that my account will remain frozen until she verifies that my girlfriend and these two people sent those XXXX transfers. Bare in mind that all of them cleared and there were no claims or disputes with any of them. I have had many XXXX transfers over the past ten years with various accounts and have never had a single dispute, claim, or issue with any of them. As a matter of fact these four XXXX transfers in question are the only ones there has ever been a hold placed on. The bottom line is Capital One is withholding my money which represents our food money for the week and are doing so with absolutely no justifiable reason. And to try and get into my personal business with our finances and the puppies we are selling I think is very much crossing the line. It would be one thing if there had been claims or disputes with these transfers however that is not at all the case. Needless to say, I will be closing this account immediately upon having my funds released. Thank you for your time regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX placed an {$8.00} charge-off on my account with no explanation, and then closed my XXXX XXXX account by creditors request, which I never authorized. 

I contacted XXXX at least 3 times by email and phone beginning within the past month, including a formal dispute and notice of error. I asked for documentation showing what this {$8.00} charge was for and why my account was negatively affected. Chime has not responded and has not provided any explanation or investigation. 

Under Regulation XXXX, XXXX is required to investigate and provide written results within XXXX  business days of a reported error. They have ignored my dispute, refused to provide documentation, and continue to claim the charge is my responsibility without evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX placed an {$8.00} charge-off on my account with no explanation, and then closed my XXXX XXXX account by creditors request, which I never authorized. 

I contacted XXXX at least 3 times by email and phone beginning within the past month, including a formal dispute and notice of error. I asked for documentation showing what this {$8.00} charge was for and why my account was negatively affected. XXXX  has not responded and has not provided any explanation or investigation. 

Under Regulation E, XXXX is required to investigate and provide written results within 10 business days of a reported error. They have ignored my dispute, refused to provide documentation, and continue to claim the charge is my responsibility without evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX placed an {$8.00} charge-off on my account with no explanation, and then closed my XXXX XXXX account by creditors request, which I never authorized. 

I contacted XXXX at least XXXX  times by email and phone beginning within the past month, including a formal dispute and notice of error. I asked for documentation showing what this {$8.00} charge was for and why my account was negatively affected. Chime has not responded and has not provided any explanation or investigation. 

Under Regulation E, XXXX is required to investigate and provide written results within 10 business days of a reported error. They have ignored my dispute, refused to provide documentation, and continue to claim the charge is my responsibility without evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please examine the documents ; the inquiries arrived unexpectedly and may not hold authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I made a balance transfer of {$15000.00} from my XXXX card to a Truist card. The promotional offer had a 3 % fee, which XXXX billed me on the XXXX statement. 

Three weeks later, I made an additional transfer of {$7100.00} from my XXXX XXXX card to the same Truist card, using the same promotion. A 3 % fee was billed by Truist on the XXXX statement. 

While examining the statements, I noticed that Truist charged the wrong interest on the balance transfers. 

For the {$15000.00} transfer, Truist claims on the XXXX statement a 1.99 % APR. On the XXXX statement, Truist claims that this same balance has a 0.00 % APR. 

For the {$7100.00} transfer, Truist did not apply the promotion and charged me a 20.99 % APR on the XXXX statement. 

I contacted Truist and informed them that the internal system that records promotional APRs and applies them to balances was likely malfunctioning, because : 1. It switches APRs at random for the same balance from one statement to the next.

2. It failed to apply the promotion to the second transfer.

A Truist representative was unable to address these issues, after which I escalated them to the XXXX XXXX XXXX. An escalations representative called me after the XXXX  complaint but displayed poor understanding of the situation and unwillingness to understand my position. 

The representative, XXXX XXXX, had no explanation of why the interest rate on the XXXX statement was different from the interest rate on the XXXX statement. As to the second balance transfer, she claimed that she found " no evidence '' that there was a promotion. 

I told XXXX that her explanation made no practical sense. My XXXX XXXX card has a 13.99 % APR. A financially educated customer would not transfer a balance from a card with a 13.99 % APR to a card with a 20.99 % APR and pay a 3 % transfer fee on top of that. XXXX 's response was that she was sorry that I was upset. She refused to engage logic and acknowledge what most people would admit as common sense. 

I further pointed out that the inconsistency in the APR between the XXXX and XXXX statements was clear and recorded evidence of systemic errors at Truist. She again said that she was sorry but had no solution.

I request that the CFPB investigate Truist 's practices involving balance transfers, including the way the bank publishes promotions and applies them to customer requests. I further request that you investigate the technical aspects of Truist 's information systems responsible for applying APRs to existing balances. The system is broken and likely affects thousands of customers. It is causing me financial and personal distress because it's forcing me to pay outrageous interest on a transfer. 

Thank you for your time in reviewing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accountsXXXX 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year> around XXXX I went to America First Credit Union XXXX XXXX XXXX XXXX XXXX. 
I put XXXX cash into the atm an it counted the money a bunch of times. Then a error code popped up saying to enter the amount I put in the machine and come back to the bank with the receipt it printed out. I came back the next day right when they opened. The teller was saying she couldn't help me do i asked for her manager. Who came over an basically said she didn't believe me an couldn't give me any contact info for who was taking care of this issue. They said I would be contacted by someone else which never happened. I have them 2 days before I called my bank and filed a complaint with them about the issue. My bank preceded to tell me on XX/XX/XXXX that the other bank denied my claim and they had to have new info to open a new investigation. I told them that makes no sense when I'm on camera putting the money in an on camera not receiving any funds and receiving an error message. I'm not understanding how it's possibleI 'm on camera putting them money in but their denying me access to my money. An refusing to contact me about the situation in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because Experian is reporting multiple items on my credit file that are inaccurate, incomplete, conflicting, or can not be verified. I am requesting a full reinvestigation under the FCRA and for all inaccurate information to be corrected or deleted. I am simply a consumer trying to fix my credit, and the information listed below is harming me. 
CHARGED-OFF ACCOUNTS ( Inaccurate/ Not Mine / Duplicate / Wrong Dates/ Wrong Balance ) The following Experian accounts contain incorrect dates, balances, ownership issues, or reporting errors : 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  Many of these are duplicate entries XXXX contain conflicting dates, or show balances that are not correct. 
Please conduct a full FCRA reinvestigation and delete any item that can not be verified with complete accuracy. 

HARD INQUIRIES ( Unfamiliar/ Not Authorized ) Experian is reporting inquiries I do not recognize or did not authorize : 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 XXXXXXXX I am disputing these inquiries as not authorized. 

LATE PAYMENTS ( Inaccurate ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The late payments being reported are not accurate, and I am requesting full verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting information that is inaccurate, incomplete, or being mixed with another consumer. This is negatively affecting my credit profile. I am asking for reinvestigation under my FCRA rights. 
The following accounts contain incorrect balances, duplicate posting, or outdated/incorrect dates : 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  Some report different dates or conflicting balances across the bureaus. 
Please delete any account that can not be fully verified with maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: ME

Complaint narrative:
Received paper invoice in mail from American Coradius International LLC stating outstanding debt to XXXX in the amount of XXXX. Before calling the number stated on the paper invoice checked my XXXX account and credit card statements to be assured I had no outstanding debt. Called XXXX the morning of XX/XX/year>. Was asked for name and address that statement was sent to and I gave this to them. When asked for other information such as birthdate, refused to provide. Was given an email address associated with the debt and it was not mine. Was then told that they were going to report it as fraud and if I did not hear back from anyone consider the debt removed from my information. The curious thing is that the phone number provided on the paper statement is not what is showing when going directly to the American Coradius International LLC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation