vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Recently Capital One Bank changed from the XXXX debit system to the XXXX debit system. They didn't inform customers of the merger all so they could stop paying fees to XXXX. In doing so, I'm unable to pay many of my bills because they do not accept discover. I assumed capital one had a resolution for its customers but they had none. Complaints have fallen on deaf ears. I therefore opened an account with XXXX just so I could pay my bills, one of them being XXXX who Capital one blocks access to. After 2 weeks I received my chime card but when I tried to transfer funds from my capital one checking account, I learned that Chime also does not accept XXXX! XXXX does not allow you to pay using credit card. I've tried using my account and routing number but it's not accepted either. I am for the first time ever late on my bills because I have no way to pay my bills I have the money, I've done the responsible thing but Capital one has completely failed me and countless others. This merger never should have been approved with the terms given and leaving the customers with literally zero options. I want a resolution provide by capital one and an explanation as to what they are actively doing to fix it. They did all of this in secret and I feel my consumer rights are being infringed upon as well as my standard of living. I feel highly discriminated against by the bank doing this and having brick walls in my face when I'm simply just trying to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am submitting this complaint regarding Capital One XXXX XXXXXXXX handling of my account and reporting practices. 

Capital One has charged off my account and is reporting the chargeoff on my consumer credit report. Under federal law, when a creditor charges off an account, it is required to issue a Form 1099C ( Cancellation of Debt ) to the consumer. Capital One has failed to provide this form. 

A chargeoff represents that the creditor has already taken a tax benefit for the loss. Continuing to pursue collection after charging off the account constitutes attempting to collect twice on the same obligation. 

The presence of this derogatory chargeoff on my consumer report is materially damaging to my creditworthiness, impairing my ability to obtain loans and credit. 

Despite my direct communications with Capital One, they have refused to remove the inaccurate and harmful reporting. Capital One continues to send repeated emails demanding payment on a debt that has already been written off, which I consider harassment. By maintaining incorrect information on my consumer report and pursuing collection after chargeoff, Capital One is engaging in conduct that amounts to fraud and violation of consumer protection laws. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
XXXX not tied to these accounts ; XXXX XXXX requires they be deleted within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( EQ ), XXXX ( XXXX ), and XXXX ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, XXXX : XX/XX/XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MI

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 2025-11-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ Email Address ] ( optional ) [ Phone Number ] ( optional ) Date : XXXX Experian / TransUnion / Equifax [ Bureau Address ] Re : Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute certain information appearing on my consumer credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which grants me the right to request an investigation of any information I believe may be inaccurate, incomplete, or can not be verified.

This letter serves as my official notice that one or more items on my credit report require investigation. I am not identifying the specific items in this correspondence ; however, you are required under the FCRA to conduct a reasonable reinvestigation of all disputed information once notified. 

Under 15 U.S.C. 1681i ( a ), the credit reporting agency must : 1. Conduct a reasonable reinvestigation of the disputed information ; 2. Notify the furnisher ( s ) of the dispute ; 3. Review all information provided by the consumer ; and 4. Delete any information that is inaccurate, incomplete, or can not be verified.

Furthermore, if the information can not be verified within 30 days, the FCRA requires that it be promptly deleted from my credit file. Any unverifiable or unsubstantiated account, inquiry, or tradeline must be removed to comply with federal law. 

Please provide me with : Written confirmation of the reinvestigation ; The results of the reinvestigation ; and An updated copy of my credit report showing any deletions or corrections made. 

I request that all correspondence regarding this dispute be sent to the address listed above. 

Thank you for your prompt attention to this matter and for upholding your obligations under the Fair Credit Reporting Act. I expect full compliance with federal law regarding the investigation and removal of unverifiable information. 

Sincerely, 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 2025-11-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ Email Address ] ( optional ) [ Phone Number ] ( optional ) Date : XXXX Experian / TransUnion / Equifax [ Bureau Address ] Re : Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute certain information appearing on my consumer credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which grants me the right to request an investigation of any information I believe may be inaccurate, incomplete, or can not be verified.

This letter serves as my official notice that one or more items on my credit report require investigation. I am not identifying the specific items in this correspondence ; however, you are required under the FCRA to conduct a reasonable reinvestigation of all disputed information once notified. 

Under 15 U.S.C. 1681i ( a ), the credit reporting agency must : 1. Conduct a reasonable reinvestigation of the disputed information ; 2. Notify the furnisher ( s ) of the dispute ; 3. Review all information provided by the consumer ; and 4. Delete any information that is inaccurate, incomplete, or can not be verified.

Furthermore, if the information can not be verified within 30 days, the FCRA requires that it be promptly deleted from my credit file. Any unverifiable or unsubstantiated account, inquiry, or tradeline must be removed to comply with federal law. 

Please provide me with : Written confirmation of the reinvestigation ; The results of the reinvestigation ; and An updated copy of my credit report showing any deletions or corrections made. 

I request that all correspondence regarding this dispute be sent to the address listed above. 

Thank you for your prompt attention to this matter and for upholding your obligations under the Fair Credit Reporting Act. I expect full compliance with federal law regarding the investigation and removal of unverifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
The continued reporting of these collection accounts without proper verification is a violation of my rights under 15 U.S. Code 1692g, which requires debt collectors to provide full and complete validation of the debt upon request. I have repeatedly requested validation in writing, yet no verification has ever been provided. Instead of complying with federal law, the only activity occurring on these accounts is the constant updating of remarks and changing balancesnone of which constitute lawful validation. Meanwhile, I remain completely in the dark about what is happening behind the scenes. I have no knowledge of what the credit bureau is doing with the information being submitted, nor do I have any clarity on what these companies are reporting to you or how you are processing their submissions. 
Because the collector has failed to validate the debt as required, any further reporting to the credit bureaus clearly constitutes continued collection activity. Reporting, updating, verifying, or altering an account with a credit bureau is specifically considered a form of collection under the FDCPA, and such actions are not permitted once a written dispute has been submitted and validation has not been provided. 
The ongoing presence of these unverified accounts on my credit report is inaccurate, unfair, and unlawful. This violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information furnished to consumer reporting agencies be accurate, complete, and verifiable. Yet these accounts continue to be reportedoften updateddespite the fact that they have never been lawfully validated in response to my repeated written requests. 
I am deeply concerned and increasingly frustrated that both the collection agencies and the credit bureaus continue these actions without transparency or accountability, despite clear federal protections intended to prevent this type of harm. It is difficult to understand how it is acceptable or fair for my rights to be ignored, my disputes to be dismissed, and my credit file to be negatively affected by information that has never been supported with any lawful documentation. These ongoing failures undermine the consumer protections that federal law was specifically designed to guarantee. 
Accordingly, I am formally requesting the immediate removal and permanent deletion of these unverified accounts from my credit file, as they can not be validated in compliance with federal law. Their continued reporting is unlawful and must cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
The continued reporting of these collection accounts without proper verification is a violation of my rights under 15 U.S. Code 1692g, which requires debt collectors to provide full and complete validation of the debt upon request. I have repeatedly requested validation in writing, yet no verification has ever been provided. Instead of complying with federal law, the only activity occurring on these accounts is the constant updating of remarks and changing balancesnone of which constitute lawful validation. Meanwhile, I remain completely in the dark about what is happening behind the scenes. I have no knowledge of what the credit bureau is doing with the information being submitted, nor do I have any clarity on what these companies are reporting to you or how you are processing their submissions. 
Because the collector has failed to validate the debt as required, any further reporting to the credit bureaus clearly constitutes continued collection activity. Reporting, updating, verifying, or altering an account with a credit bureau is specifically considered a form of collection under the FDCPA, and such actions are not permitted once a written dispute has been submitted and validation has not been provided. 
The ongoing presence of these unverified accounts on my credit report is inaccurate, unfair, and unlawful. This violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information furnished to consumer reporting agencies be accurate, complete, and verifiable. Yet these accounts continue to be reportedoften updateddespite the fact that they have never been lawfully validated in response to my repeated written requests. 
I am deeply concerned and increasingly frustrated that both the collection agencies and the credit bureaus continue these actions without transparency or accountability, despite clear federal protections intended to prevent this type of harm. It is difficult to understand how it is acceptable or fair for my rights to be ignored, my disputes to be dismissed, and my credit file to be negatively affected by information that has never been supported with any lawful documentation. These ongoing failures undermine the consumer protections that federal law was specifically designed to guarantee. 
Accordingly, I am formally requesting the immediate removal and permanent deletion of these unverified accounts from my credit file, as they can not be validated in compliance with federal law. Their continued reporting is unlawful and must cease immediately.

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 2025-11-20 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:
Please examine the documents enclosed ; the inquiries arrived unexpectedly and might lack approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-20 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone called me the week of XX/XX/XXXX claiming to be XXXX XXXX working in the fraud department at Chase and XXXX XXXX, both of which I have credit cards. I then noticed charges on my credit cards, and he said I needed to work with him to get the charges removed. Finally, I figured out that he was the scammer and I called Chase directly to get my card cancelled and be sent a new one. When the XXXX at Chase had set me up with a new temporary password for my new card for online banking, the password wasn't working, so XXXX transferred me to Chase 's Tech Support Department, and the same XXXX  who had been calling me answered the phone. So, I know this XXXX is an insider at Chase in the Tech Support Department. The numbers XXXX called me from were XXXX and XXXX. I believe he is also possibly working in conjunction with someone at XXXX XXXX because he asked for a copy of my driver 's license and actually submitted my driver 's license and proof of residence to XXXX XXXX for the bogus charges, which is currently being reviewed by XXXX XXXX because they require this information when investigating bogus charges. However, I also had to call my bank and have 6 XXXX XXXX charges reversed because they came out of my bank account payable to XXXX XXXX. The charges were for {$5000.00}, {$4000.00}, {$40.00}, {$1900.00}, {$190.00}, and {$8.00}. That's why I believe he may be working in conjunction with someone at XXXX XXXX. I have also submitted a report to Chase this morning about this

Company response to consumer: Closed with explanation