vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
Case XXXX XXXXXXXX, Ref # XXXX XXXX : purchased airline ticket {$740.00}. 
XXXX : cancelled airline ticket and dispute requested Capital One ( master card ) due to the merchant ( XXXX ) tricked and no refunded. 
XXXX : Capital one ( master card ) decided marchant 's ( XXXX ) favored. 
XXXX : Capital One ( master card ) dispute case closed and no further proceed dispute. 

Merchant ( XXXX ) already another reimbursed {$740.00} from airline company XXXX XXXX XXXX XXXX to merchant ( XXXX ) too. 
Meanwhile marchant refused refund too, due to the Capital One ( master card ) still pending ( merchant email me XXXX see attached ). I'm in the middle no refund from merchant ( XXXX  ) and no credit back form Capital One ( master card ) like XXXX XXXX XXXX  as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account and the inquiries, causing ongoing harm. 

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I disputed the Exeter Finance LLC account ending in XXXX  with XXXX  because the information being reported is inaccurate and incomplete. XXXX  responded that the account was verified as accurate. However, no proof was ever provided to me to show that this debt is valid, accurate, or legally enforceable. 

Specifically : XXXX  has not provided any signed contract, itemized payment history, or original account statements from Exeter Finance LLC. 

The verification appears to have been done by automated data matching, not by reviewing original source documents, which is not a reasonable reinvestigation. 

The reported balance, payment history, and status are either incorrect or unverifiable, which misrepresents my credit history and violates the FCRAs requirement for maximum possible accuracy. 

If Exeter XXXX is collecting or reporting as an assignee, they have not provided the required validation under federal law. 

This situation has caused ongoing harm to my credit profile and financial opportunities. I am requesting that the CFPB require XXXX  and Exeter Finance LLC to either provide complete documentation proving the accuracy and validity of this account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Fuel Capital Group
State: NV

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized credit inquiry and inaccurate credit score report associated with XXXX ( presumably an auto finance or loan company ). 

XXXX. Unauthorized Credit Inquiry I did not apply for a loan or any financial product with XXXX XXXX, nor did I provide any form of consent or authorizationverbally, in writing, or electronicallyfor them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company must have permissible purpose and consumer authorization to access a credit report. I provided neither. 

Furthermore, I did not sign any document or submit any electronic application granting them permission to pull my credit. Accessing a consumers credit without consent is a violation of the FCRA and constitutes unauthorized use of a consumer report. 

XXXX. Inaccurate Credit Score Report Acceptance also sent me a credit score that is inaccurate and does not match any of the scores reported by the major credit bureaus ( XXXX, XXXX, XXXX  ). I believe this score was either fabricated or misrepresented, which is a false or misleading representation, a violation of 15 U.S.C. 1681e ( b ) the requirement for data furnishers to maintain accuracy and integrity in the information they report. 

Additionally, no inquiry from XXXX appears on my credit reports. This suggests either the inquiry was never made through proper channels or it was hidden, which raises further concern about the legitimacy of their actions. 

XXXX. Violations Cited FCRA, 15 U.S.C. 1681b No permissible purpose or authorization for credit pull FCRA, 15 U.S.C. 1681e ( b ) Failure to maintain accuracy in reporting FCRA, 15 U.S.C. 1681q Obtaining information under false pretenses FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to provide accurate information XXXX. Requested Resolution Investigate Acceptance for pulling my credit without proper authorization Require them to provide documentation proving my consent ( if any ) Hold them accountable for providing an inaccurate credit score Remove any related entries or documentation they have tied to my credit profile Penalize any deceptive or non-compliant conduct as permitted under federal law Please keep me informed regarding the progress of this investigation. I can provide further details, supporting documentation, or sworn statements if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment account on my credit report which XXXX XXXX XXXX and XXXX XXXX XXXXXXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a XXXX ' reinvestigation. Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XXXX CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require TransUnion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Consumer Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 

These include, but are not limited to : A personal credit card opened on XXXX XXXX An auto loan opened on XX/XX/XXXX A personal loan account opened on XX/XX/XXXX XXXX or more collection accounts and multiple hard inquiries I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 

I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX  data breach be permanently removed from my credit file within XXXX business days in accordance with FCRA 605B.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I applied for a small business loan and they refused it for no valid reason. 
We have been banking with them for ages but they refuse by default. They refused last year and again this year. We made XXXX XXXX in revenue last year yet XXXX keeps refusing.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have been a long time loyal Capitol One customer for over XXXX years. 
I recently had trouble getting my payment to go through on my phone. 
The Capitol One website was not working and was not allowing my payment to go through. I tried calling and my calls were not going through either. I went to my phone company so they could look at my phone and they said it was fine.so I tried making the payment again and it went through. Unfortunately by this time I had missed the cut off and my payment was considered late. Capitol One charged me a {$26.00} late fee. I tried calling several times and explained the situation. Capitol One would not remove the late fee. I can't believe that Capitol One would not remove a late fee for a payment that was less than XXXX XXXX hours late for something that was beyond my control especially when I have been a customer for over XXXX years and only had XXXX other incident with a late payment due to a family emergency back in XXXX. They were also very rude over the phone when I was trying to explain what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I was not XXXX  days late on my student loans in XX/XX/year>. The accounts were in forbearance and should have not reported late. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-08-21 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX Date XXXX XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Letter to Experian and Transunion about inaccuracy of a debt to on my credit report from 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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK : Customer, XXXX XXXX. ( Fraud Protection Failure to Remove ) NARATIVE : On XX/XX/year>, I moved from XXXX  to XXXX XXXX XXXX, once in XXXX, my debit card charges were delayed and rejected due to CHASE BANK XXXX XXXX XXXX even though while in XXXX, I went to a local bank, showed proper identification and received a CASHIERS CHECK in the amount of approximately XXXX still my debit card usage was denied. I contacted CHASE BANK customer service which is located in XXXX and informed them that there was " no fraud ''. Transferred to the " fraud unit '' which did nothing, also located in XXXX. I did this numerous times, approximately XXXX times as in as many days, my usage of my debit card was rejected even for the smallest purchases. Because of this, my monies were being held XXXX by agents in XXXX forcing me to use my XXXX XXXX credit at a much higher rate. Even though I properly verified my identity and when went to a branch location with identification to draft a cashiers check, XXXX fraud protection would not release my account. As of XX/XX/year>, my usage of my debit card is being blocked and my reputation with vendors such as XXXX, XXXX, XXXX, XXXX will no longer take my purchases using my XXXX debit card.

Company response to consumer: Closed with explanation