vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I provided Capitol One with a deposit for a secured credit card opened in XXXX. I paid the account off in XXXX of XXXX. Customer service with Capitol One stated my account was closed in XXXX of XXXX. After asking them where my deposit was, I was told that they put the money towards a balance on my account. I paid the balance on the account. When speaking with another customer service representative, she stated that my account was closed in XXXX of XXXX. The account showed as still being open online until XX/XX/XXXX. ( Statements ) Capitol One never reached out regarding this particular account. Had I known they had already took my deposit to pay the account off, I would NOT HAVE PAID IT AGAIN!!!!!!!! 

I WANT MY DEPOSIT BACK!!!!!!! 

Why was I still being charged if my {$420.00} deposit was applied towards an account with a {$320.00} limit?! I was being charged late fees and interest up until XX/XX/XXXX!!!!!!!!!!! This makes no sense. And I can't pull up anything past XX/XX/XXXX. 



I have 2 other cards with Capitol One. I consistently have issues trying to make payments to them. I have made my payments on time for them to be cancelled or returned to my bank by Capitol One ... and of course afterwards I'm stuck paying additional fees. 

This company is stealing money from their customers any way they know how. I just want my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I purchased two 4-day tickets to a music festival for {$780.00}. I decided to sell my tickets and on XX/XX/XXXX, I received a payment of {$750.00} from a purchaser on PayPal. PayPal charged a {$22.00} fee, so I received {$720.00}. The buyer purchased the two 4-day tickets to a music festival. The buyer then received their tickets from me via the online vendor I purchased them from. 

The {$720.00} was held by PayPal until XX/XX/XXXX, at which point I was able to transfer the money to my personal bank account. 

The event was supposed to occur from XX/XX/XXXX XX/XX/XXXX. On Friday, XX/XX/XXXX at XXXX, the music festival was cancelled due to a XXXX XXXX XXXX update stating that there was severe flooding, and it would cause harm to festivalgoers. The event stated that they would refund purchasers directly. As the original purchaser, I received the refund on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from PayPal stating that I had an update to a case and that my buyer had been refunded. I was unsure what the email was about and upon logging in to PayPal I saw a dispute had been opened on XX/XX/XXXX, by the buyer requesting a refund. When I did not respond to the dispute for 20 days it became a claim and was escalated by the buyer. I then saw that PayPal had refunded the buyer {$750.00} because I did not answer the claim. 
When I contacted PayPal regarding the issue I was told that I had been emailed regarding the dispute. I found two emails in my SPAM folder. One from XX/XX/XXXX and one from XX/XX/XXXX, neither of which I ever saw due to the emails going to spam. I explained the situation to PayPal and asked why I was never called or a letter was never sent and they stated that isnt their procedure. 

I then asked what happens next and was informed that if I did not submit {$750.00} into my negative balance PayPal account then within 90 days then my account will be passed to a collection agency. I was not informed of that without being asked what would happen. I am now receiving phone calls every day regarding the negative account balance and having to transfer money or having my account locked and being sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/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
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out to the debt collectors listed on my credit report regarding fraudulent accounts or charges. After my communication, the debt collectors acknowledged the issue and confirmed that the accounts would be removed from my credit report.

Despite this, the accounts are still showing up on my credit reports for all 3 credit bureaus. I followed up properly and gave the credit bureau sufficient time to update the information, but no action has been taken. This is negatively affecting my credit, and it is frustrating because I did my part and received confirmation from the debt collectors themselves that these accounts were to be removed.

I am requesting that this be resolved immediately and that the inaccurate or fraudulent items be permanently removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft, and inaccurate information has been reported on my credit report by XXXX or more credit bureaus and/or creditors. I have attempted to resolve the matter directly with the credit reporting agencies, but the accounts have not been removed or properly addressed despite my formal dispute under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing the following fraudulent accounts that do not belong to me : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I submitted Section 605B disputes directly to the credit bureaus, including documentation such as a copy of my government-issued ID, proof of address, and an FTC Identity Theft Report. Despite these efforts, the information remains on my report and continues to negatively impact my credit. 

I am requesting the CFPB 's assistance in ensuring that these fraudulent accounts are permanently removed from all credit reports as required by law. 

Attached are copies of : - My identity theft report ( FTC ) - My formal dispute letters sent to the credit bureaus - My supporting identification documents Thank you for your help in resolving this matter.

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 2025-08-07 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: NC

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft, and inaccurate information has been reported on my credit report by XXXX or more credit bureaus and/or creditors. I have attempted to resolve the matter directly with the credit reporting agencies, but the accounts have not been removed or properly addressed despite my formal dispute under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing the following fraudulent accounts that do not belong to me : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I submitted Section 605B disputes directly to the credit bureaus, including documentation such as a copy of my government-issued ID, proof of address, and an FTC Identity Theft Report. Despite these efforts, the information remains on my report and continues to negatively impact my credit. 

I am requesting the CFPB 's assistance in ensuring that these fraudulent accounts are permanently removed from all credit reports as required by law. 

Attached are copies of : - My identity theft report ( FTC ) - My formal dispute letters sent to the credit bureaus - My supporting identification documents Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2025, I fully paid off a defaulted student loan held by the U.S. Department of Education. I received an official letter confirming the debt was satisfied and no further payments were due. Despite this, TransUnion continues to report the account as an active collection. This inaccurate reporting is negatively affecting my credit score and my ability to qualify for a home loan. I have requested TransUnion to update or remove the account in accordance with the Fair Credit Reporting Act, but the issue remains unresolved.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The documents pertain to inquiries received without any alert, which might not be authorized.

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 2025-08-07 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed several accounts that are inaccurately reported and have continued to appear despite previous disputes and lack of proper validation. A collection account from XXXX XXXX XXXX XXXX shows a balance of {$1500.00} allegedly owed to XXXX, but I have never received any documentation verifying this debt or the balance claimed. Similarly, XXXX XXXX is reporting a \ {$590.00} collection from XXXX XXXXXXXX XXXX without providing proof of assignment or a signed contract. XXXX XXXX XXXX is listing an \ {$840.00} collection linked to XXXXXXXX XXXX, yet has never submitted original account records or itemized payment history. There is also a charged-off account from XXXX XXXX reporting a balance of \ {$5300.00}, but I have not received any documents explaining how that balance was calculated or what led to the charge-off. Additionally, two hard inquiriesone from XXXX XXXX XXXX on XX/XX/year>, and another from XXXXXXXX XXXX on XX/XX/XXXX, XXXX made without my authorization or knowledge. Finally, my credit report reflects incorrect personal information, including an outdated address and an incorrect name variation, which may be contributing to erroneous data being associated with my profile. These issues are not only misleading but are damaging my credit and financial standing.

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 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, On XX/XX/year>, my credit card ending in XXXX was charged {$490.00} by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  However, I should have only been charged {$8.00} for one beverage that I had purchased. The over charge was a total of {$480.00} I was present at the merchant location but did not authorize the amount charged. My card was taken away from me and processed out of my presence. No receipt was provided to me at the time of the transaction. 

I disputed the charge with Citibank as an unauthorized use under 15 U.S.C. 1602 ( o ) and 12 C.F.R. 1026.12 ( b ). These laws define unauthorized use as any transaction made without the cardholders actual authority, regardless of whether the physical card was present. 




Companys response : Citibank denied my dispute in a letter dated XX/XX/year>, claiming : 1. I admitted to making the purchase This is false. I only acknowledged being present at the location, not authorizing the final amount. 

2. My card was present and not reported lost or stolen Presence of the card does not equal authorization under Regulation Z.

3. They require a merchant-issued credit slip Regulation Z does not require the cardholder to obtain such documentation ; the issuer has the burden to investigate. 

4. They treated the case as a pricing dispute This is incorrect ; I never agreed to the {$490.00} charge, so it is unauthorized use.

Why this is a violation : Citibanks handling of my case violates Regulation Z : 12 C.F.R. 1026.13 ( f ) : They failed to conduct a reasonable investigation before denying my dispute.

12 C.F.R. 1026.12 ( b ) : They failed to treat the charge as unauthorized even though I did not consent to the amount charged.

12 C.F.R. 1026.13 ( a ) ( 1 ) : They failed to properly process my billing error dispute.

15 U.S.C. 1602 ( o ) : They misapplied the definition of unauthorized use.

Thank you

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 monetary relief