vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One business checking account was closed shortly after XX/XX/year>. Since then, Capital One has been holding approximately {$18000.00} in my account and refuses to release the funds. 

Capital One told me only that the account is under investigation, and for over four months they have not provided : A reason for the account closure The status of the investigation A timeline for when my funds will be released Any written communication explaining why my money is being held This started right after my last transactions around XX/XX/year>, which included legitimate business deposits and wire fees. 

I have contacted Capital One multiple times, and they repeat the same answer : We can not provide any information. This has created serious financial hardship for my business because Capital One has held a large amount of my operating money with no explanation. 

I am requesting : 1. A written explanation of why the account was closed 2. The status of Capital Ones investigation 3. Immediate release of my funds, or a specific date when they will release them 4. A clear justification for why these funds have been held for over four months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IA

Complaint narrative:
This account is fraudulent and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove an account that I have repeatedly disputed, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681e ( b ). The account in question, XXXX ( XXXX ), continues to be reported despite multiple requests for deletion. This account has been reported inaccurately and can not be verified, yet it remains on my credit report, negatively impacting my credit score and financial well-being. 

I have previously disputed this account, citing that it is being reported without proper verification or authorization. Despite this, the account remains solely on TransUnion 's credit report. XXXX  and XXXX  have removed this account after my disputes, but TransUnion continues to report it, which raises serious concerns about the accuracy and legality of the reporting. Under the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), TransUnion is obligated to ensure that all information reported is accurate, consistent, and reliable. The fact that this account is being reported by TransUnion but not by XXXX  or XXXX  suggests a failure to meet this standard. The source of the information is clearly not reliable, as it is inconsistent with the reporting by other credit bureaus, highlighting the inaccuracies in TransUnion 's reporting.

Under 15 U.S.C. 1681b ( 2 ), TransUnion has no permissible purpose to continue reporting this account, especially given that they can not provide any verification. I have not received any documentation proving that this account should still be reported, and TransUnion has not conducted a thorough reinvestigation as required by 15 U.S.C. 1681i. TransUnion 's failure to investigate and correct these inaccuracies further exacerbates the harm to my credit. 

I am requesting that TransUnion immediately remove this account from my credit report and update my file to reflect accurate information. TransUnion has failed to meet its obligations under the FCRA, and this ongoing issue has caused significant distress and damage to my credit score. I also request that TransUnion provide me with a detailed explanation of why this account is still being reported, along with the documentation used to verify it. If this issue is not resolved promptly, I will pursue further legal action.

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 2025-11-24 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-11-24 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: IA

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 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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
My CHIME checking account had {$4900.00} withdrawn that was unauthorized by me. 
When I reported it to CHIME they investigated and said that the transaction was done by me and it was not. 
I have since researched CHIME and the history it has for violating consumer rights is 100 % evident. 
CFPB has delt with CHIME regarding these complaints before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

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 youhave 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 2025-11-24 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: SC

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 youhave 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 2025-11-24 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: SC

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 youhave 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 2025-11-24 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 dispute to Experian because the information listed below appears to be reported inaccurately or incompletely. I am requesting Experian to conduct a proper reinvestigation as required by the FCRA to confirm all data is accurate, verifiable, and not misleading in any way. 

Charged Off Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year>, Balance : {$16000.00} Inquiries ( No inquiries to dispute ) Positive Accounts ( No positive accounts reported for dispute ) Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-11-24 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
In XX/XX/year>, I was charged approximately {$1200.00} on my Capital One credit card for a travel program through XXXX XXXX. The total program cost was {$2400.00}, but only half was billed to Capital One. The trip was scheduled for XXXX XXXX XXXX  in XXXX. I did not attend this trip and no services were provided to me. 

Prior to the trip, I notified the merchant that I would not be participating due to documented civil unrest, protest activity, and safety concerns in the XXXX XXXX XXXX region. These issues were publicly reported through multiple news outlets and U.S. State Department advisories. The accommodations were also misrepresented at the time of purchase.

I filed a dispute with Capital One and submitted documentation showing that : I did not receive any services. 
I notified the merchant before the trip. 
The invoice and payment page did not include any refund or cancellation policy. 
I never signed or acknowledged any contract or policy. 
No audit trail, timestamp, or record exists showing I accepted non-refundable terms. 
Safety advisories made travel unsafe. 

Capital One later provided documentation from the merchant, but the documents do not contain my signature, do not show any cancellation or non-refundable terms, and do not include any acknowledgment from me indicating that I reviewed or accepted a policy. The merchant documents contain general information but no proof that I agreed to any refund restrictions. 

Despite this, Capital One upheld the denial of my dispute. 

I requested clarity about what specific documentation Capital One required from me and whether the merchant had provided a signed contract. I received inconsistent answers and was informed that no additional evidence would be accepted after XX/XX/XXXX, even though the documentation the merchant provided does not prove consent or agreement on my part. 

I have cooperated fully and submitted all evidence requested. The merchant documentation fails to demonstrate any signed agreement, and I did not receive any services. It is unclear whether Capital One evaluated the dispute according to proper standards for services not provided and lack of valid contract. 

I am requesting CFPB assistance to ensure that Capital One : Confirms whether a signed agreement or acceptance of terms actually exists, Provides me with all documentation used in their denial, Reopens the dispute if no valid proof exists, and Reverses the {$1200.00} charge since no services were provided and no signed agreement exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-24 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 submitting this complaint as a consumer who is attempting to correct inaccurate, incomplete, and unverifiable information on my credit reports. I am requesting a full investigation into the items listed below for each bureau, as required under the Fair Credit Reporting Act ( FCRA ). These accounts contain reporting errors, inconsistent data across bureaus, and information that I do not recognize or can not verify. 

Charged Off Accounts Disputed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$460.00} Late Payments Disputed 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 2025-11-24 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:
The item reported does not correctly reflect my financial reliability. I request a review and update to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My soon to be ex wife open credit cards and took out loans in my name with my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am disputing the accounts below because the information appears inaccurate or does not match my records. 

CHARGED-OFF ACCOUNTS XXXX XXXXXXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$3400.00} INQUIRIES XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 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: PA

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 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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have a loan with TITLE MAX, for {$12000.00} dollars, the interest is XXXX XXXX  I am paying each month only interest {$1300.00}, I ask to them let me pay to the principal extra {$500.00} dollars, they said if I make extra payments for {$500.00} dollars, they will take from there {$270.00} on interest and only {$220.00}. Will go to the principal, then my payments will be lower but not too much, how can I solve this problem with this exorbitant interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 am a regular consumer attempting to fix and correct my credit reports. I am requesting a full investigation into the inaccurate, incomplete, and inconsistent information being reported across the bureaus. The items listed below contain errors and need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts ( In Dispute ) ( ACCOUNT NAME ACCOUNT NUMBER ACCOUNT DATE BALANCE ) Bankruptcy, XXXX, XX/XX/year>, XXXX Late Payment ( In Dispute ) ( ACCOUNT NAME ACCOUNT NUMBER ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation