vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-07 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: MO

Complaint narrative:
I was paying my credit cards off, paid my venture capital one. I was paying my other 2 off quick siler and savor. I received notice there was fraudulent activiy on my account. they called me, I then returned phone call to make sure liget. I asked what was the fraud activity they said they needed the account that was paying off my credit cards. I asked why? they said cause I kept paying my card off. I gave them permission to call my bank I told them my bank will protect me. They spoke with XXXX and he stated that they are not going to give any of my information to them. I then called and spoke to my bank they stated that Capital One calls on their clients all the time and we never give any information that it is none of their business and they do not need that info. I then called and closed all account because of fruadulent activity from Capital One. I had never had a late payment and had the cards for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-07 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: MD

Complaint narrative:
My credit report contains several errors that are harming my creditworthiness, including fraudulent accounts opened in my name that I did not authorize, fraudulent credit inquiries made without my consent, and inaccurately reported late payments despite documentation showing the payments were made on time. These issues appear to be the result of identity theft and reporting mistakes, and they have significantly lowered my credit score, created confusion about my financial responsibility, and damaged my ability to access fair credit.

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 2025-10-07 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
On XX/XX/year> I used a casino app " Station CASH '' to transfer {$400.00}. for gaming purposes at XXXX XXXX XXXX XXXX - I was told they were '' not showing '' the transfer XXXX confirmed on 2nd business day the money was taken out of my account - files dispute with XXXX awarded the {$400.00}. back. Station Casinos? XXXX XXXX Resorts sent to collections the app is still showing {$400.00}. I told Station casinos and True Account they are welcome to zero out the amount if they are claiming it is now valid no response. I have disputed the {$400.00}. amount sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
As instructed by PNC, I called to get a payoff amount and was given that amount. Brought a check to the bank for that quoted payoff amount. Then I received a mailed notice that there was an overpayment and I would have to call to get that overpayment refunded to me. I did just that and was told the amount was wrong and I would only receive a partial refund. Each time I cal I get transferred from department to department and each time I am on hold for an exhorbitant amount of time. This month I have now received a statement showing a {$7.00} credit and a {$7.00} interest charge.

1. How can you charge a {$7.00} interest charge on a loan that is already paid off?? AND at an interest rate that is XXXX point higher that the regular rate.

2. Doesn't one hand know what the other one is doing?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime handling disputes I. Got. Scammed negligent toward my account in which caused my account to close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Never had an account with spring oaks capital LLC. I do not have any knowledge of this account. There were no payments made on either of these accounts ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Planet Home Lending continues to not respond when I inquire about roadblocks to closing. I've asked MULTIPLE times and all I get is that they are waiting on documents. What documents are still outstanding? And When were these documents requested? Both realtors for us and the buyer will give a statement saying any outstanding requests from Planet Home were not part of initial requests back in XXXX. It's now XXXX. Our realtors can't even get through and speak to someone. I've emailed XXXX, the assumption agent, multiple times, trying to just get a response and he only says he's waiting on documents. You would rather foreclosure on a veterans home than see to the loan being assumed? We have a XXXX XXXX XXXX child and because of the constant delays, we are going to lose everything. I AM PLEADING TO YOUR HUMANITY. PLEASE HELP US!!! WE ARE GOING TO LOSE EVERYTHING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a Capital One customer for over XXXX  years. After a prior charge-off many years ago, I rebuilt my credit and was approved again for a Capital One credit card in XX/XX/XXXX. Since then, I have consistently used the account responsibly and paid on time. 

In XX/XX/XXXX, I received multiple invitations from Capital One to apply for a XXXX XXXX XXXX. I applied, was approved, and activated the account. Shortly afterward, all of my accounts were restricted, and I was asked to upload documents, which I did. 

Instead of resolution, all of my accounts were closed. I did not receive any mailed letter or online notification explaining the reason for closure. 

When I contacted customer service, I only received generic scripted responses that did not address my specific situation.

Impact : The closure of all accounts has negatively affected my financial planning and may impact my credit history, despite my recent record of responsible account use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-07 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
begging of XXXX i put in for a loan to purchase a house. got my pre approval of XXXX. my wife could not be on the loan cause her credit was bad. i told the bank person this. we started looking for houses. after a week or so we finally found what we wanted. that time processer had quit underwriters quit. we got all new people. Now i wasnt approved. my income was diffrent cause i paid XXXX XXXX my wife debit was a issue. all things which i had no control over. we paid XXXX for XXXX XXXX XXXX for inspection XXXX apraisal. we had 3 different closing dates. Now they tell me i got ta find a cobuyer. or looose my XXXX XXXX. that wasnt a option its just me for loan. we tried my XXXX  but he had no credit. so they gave my XXXXXXXX XXXX  to seller. i did sign a release to seller cause thats what they said i forfeitted on contract. I know thats wrong but i figue the bank would give my money back. i sent letter to bank. they washing they hands of the matter blaming it on everyone else. please help me get my money back. And to make items worst we tried to go lower for approval and same thing happen right after we did a home inspection of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
EQUIFAX is reporting information that I don't recognize The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2025, while I was on vacation in XXXX, Florida, three unauthorized transactions were made using my debit card that were linked to my checking account. The charges were for the following amounts : {$360.00} {$57.00} {$57.00} At no point did I authorize these transactions, and I was in full possession of my debit card the entire time. I did not notice the fraudulent activity until I returned home from my trip. 

As soon as I became aware, I contacted TD Bank to report the fraud. They stated they would investigate the claim and provided a provisional credit in the meantime while the investigation was ongoing. 

After several months with no resolution, TD Bank reversed the provisional credit, bringing my account into a negative balance. I called the bank to express my frustration and requested that the case be reopened for reinvestigation, as the claim had been denied. 

When the bank denied my claim again, I filed an official police report with the XXXX XXXX Police Department to further support my case. The report number is XXXX, and I promptly submitted this to TD Bank. 

Shockingly, less than XXXX hours after submitting the police report, TD Bank denied my claim for a third time, despite this new evidence. I feel the bank failed to perform a proper or thorough investigation and is not taking fraud protection seriously. 

As a young individual, the loss of these funds has caused real financial hardship. I feel unsupported by TD Bank and believe they have neglected their duty to protect their customers. I am requesting that this be properly reviewed and that the funds be rightfully returned to me.

Company response to consumer: Closed with explanation