vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
First I originally had a Capitol One CC and filed XXXX XXXX XXXXXXXX ) on this, Paid off in XXXX. I didnt know they were behind the XXXX  XXXX, otherwise I would have never receive one. They know how to manipulate. They have taken over-I get paperless ( will not do again ), Therefore I kinda guessed what I will owe when I pay thru my billpay at my bank, since XXXX seems to be the same. This month I was {$1.00} short, yet they charged me {$29.00} for this!. It is bad enough they have continuously charge me two interest rates for several years. One for the balance, then another for what I buy, which I have not done for a bit. This month equals {$58.00} in interest ( XXXX & XXXX @ 30 %. Ive never been told the WHY for this, except maybe I went over balance SEVERAL years ago, and never again. I dont know how I did. Ive had someone who I think was using my rewards. I had a phone number, thru XXXX, which belonged to someone prior. Every time I was asked my # at the register, it was that other 's name ( XXXX something ) which showed up. I dont know if had access to the account. I did receive a call from a debt collector a few months ago on my NEW number thru XXXX ), asking for this individual. I want to know the WHY of interest rates. At this rate, I will never pay this off, which I think Capitol One hopes again. Plus, my XXXX phone number, ( XXXX ) it used to belong to another person. This person apparently had rewards thru XXXX XXXX, as it shows up with their name, when I am asked.So...........

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Considering I never opened these fraudulent accounts and was unaware of their existence, I demand that they be removed from my credit report. I'm asking them to be deleted within 15 days in accordance with USC 1681g. Relevant documents are enclosed as 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
IN ACCONRDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX # XXXX, HAS VIOLATED MY RIGHT. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RINGT TO PRIVACE.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was denied a personal loan for {$20000.00} by XXXX XXXX XX/XX/year>. Despite having a XXXX credit score of XXXX, XXXX outstanding debt, perfect payment history, and over a decade of established credit ( XXXX years ), I was rejected on the grounds of insufficient income and/or assets. 

I am self-employed and believe my source of income may have been treated less favorably, despite documentation showing consistent revenue and financial responsibility. I previously repaid a personal loan with this institution in full with no missed payments, which makes this denial appear arbitrary and structurally biased.

I followed up with XXXX  to request clarification. I received a templated response and a second reply stating that a complaint would be submitted internally. I am submitting this complaint to request a formal review into the basis of their denial processparticularly as it may systemically impact self-employed applicants with strong creditand to document what I believe is a broader pattern of exclusion masked by vague reasoning.

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 2025-05-13 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: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Account balance {$1400.00} Date Opened : XX/XX/year> I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Account balance {$1400.00} Date Opened : XX/XX/year> I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a regular checking account and a business checking account with Chase Bank after I sold some shoes to somebody in another state he sent me the payment and then he reported the payment as fraud so Chase Bank closed not close so Chase bank froze my account for about four or five days And I talked to them and they told me that that XXXX had froze my account because the person reported it as fraud, I got on the phone with Chase and that person and he took the claim back. I sent him his money back Chase unfroze my account two days later at about XXXX PM on a Friday night. Chase emailed me and said that they are closed my account. I wasnt able to speak to anybody until Monday morning about the matter once I spoke to them they explained to me that my account was going to be closed and that it would take about XXXX days for its a fully be closed and then I would be receiving my funds from my two accounts. It now has been a month and a half. I have not received my funds. XXXX has not closed my account and they keep giving me the runaround and telling me to call in XXXX to XXXX business days. They also told me I had over {$1000.00} between two accounts when I spoke to them today {$300.00} is missing and now I only have {$700.00}. I need my funds I need help. It has been over 10 days and that is the federal law that they can not hold your funds for more than XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I wired {$30000.00} from XXXX XXXX XXXX XXXX to Wells Fargo for an online purchase of an automobile. I physically contacted Wells Fargo XXXX +/- and called XXXX XXXX XXXX XXXX XXXX I was advised to make a police report by Wells Fargo and that if I had an account, they could assist me my XXXX XXXX stated, we can not help you. 
I made a police report XXXX with XXXX XXXX Sheriff 's Dept. 
I submitted the police report to Well Fargo and received a letter dated XXXX with a Wells Fargo Case number. 
I received a call from Wells Fargo XX/XX/year> notifying me. A case specialist called me XXXX. I don't recall the date of the specialist 's call, who took my information. 
I received an email XXXX that Wells Fargo " received your concerns ''. 
I received another email XXXX from Wells Fargo through XXXX XXXX secure email basically stating I would have to subpoena for records and that the case is closed. 
At this time I have been able to find any legal counsel to assist me. 
* * * * * I have paperwork but can not scam. I will Fax if Needed * * * *

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 2025-05-13 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: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I mistakenly sent {$40.00} to the wrong person. I was trying to send money on cash app to my grand daughter but it went to a person with her name. I have requested a refund 3 times but am being ignored. Cash app will not reimburse the funds once the transaction completes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
3 months ago XX/XX/year> I went to request a loan from my XXXX XXXX. I was told my report was not accessible due to an issue with Equalifax and that Id need to call to see why. I called and was told I would need to verify my account with my social and identification to process an accurate and current report to my credit union. I sent a copy of both documents. I later called twice to check back and to see if the information was received I was told on both attempts it was not but also on my XXXX attempt in the span on XXXX from sending the letter that they have spoke with the mailing department and they are behind in work and that my letter XXXX be withheld in that process so its no for sure date when itll be received and processed. I was also told that my account was documented that if I did provide these XXXX pieces of identification that my credit union would be able to access my current credit report. I do have a case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
My personal information on my credit report is incorrect, and its directly interfering with my ability to get approved for credit. This has caused unnecessary stress and delays, and it's frustrating to keep getting denied over details that dont even accurately reflect who I am.

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 2025-05-13 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-05-13 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX Balance {$690.00} XXXX  XXXX Balance {$950.00} XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Original creditor : XXXX XXXX Balance {$1600.00XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$340.00} XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One continues to report late payments on my account from XX/XX/XXXX to XX/XX/XXXX, and again in XXXX and XX/XX/XXXX. The account has been in good standing for over a year, with consistent on-time payments. The continued reporting of these past negative marks does not reflect my current credit behavior and is being used in a way that is misleading and damaging.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report data that is accurate, fair, and complete. This duty includes more than just correctness ; it requires the information to reflect a truthful and balanced view of the consumers credit history.

I am also exercising my rights under 15 U.S.C. 1681i, which allows consumers to dispute data that may be technically correct but is outdated or misleading in context. The continued reporting of these delinquencies ignores the consistent positive performance that followed.

The Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts or practices in the handling of consumer financial data. Capital Ones refusal to reevaluate these entries in light of the current account standing raises concerns under this statute, particularly when the negative data is being used in a way that causes harm despite recent responsible behavior.

Additionally, FCRA 1681e ( b ) requires that furnishers and consumer reporting agencie

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Main problem wanted to raise escrow $ {$400.00} per month unwarrented as costs same as last year

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