vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint because a transaction of {$410.00} on my Capital One account has not been fully refunded. I made this purchase through XXXX on XX/XX/XXXX amount XXXX XXXX I already disputed this charge with Capital One and provided all supporting documentation, including emails, messages, and screenshots, showing that the merchant only refunded {$120.00}, which is not the full amount. 

Capital One provided a temporary credit, but the remaining amount has not been refunded. I contacted both Capital One and the merchant multiple times over the last XXXX  months, but the issue remains unresolved. 

I want CFPB to intervene and ensure that the remaining {$410.00} is returned to my account immediately. 

I have attached all relevant documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ 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 2025-11-11 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. Code XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$840.00} XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX BANK - XX/XX/XXXX - {$20000.00} Hard Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX AUT - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. Code XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$840.00} XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX BANK - XX/XX/XXXX - {$20000.00} Hard Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX AUT - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I always check my credit karma and when my score dropped around XX/XX/year> for derogatory mark for collection agency I owed {$150.00} to Credence Resource Management. I never have missed a payment on my credit card, this was a shocking to me, so I did more research and found out it was related to XXXX. I called the company and to let them know this is fraud/identity theft and they need to dispute it. I questioned them why I wasn't notified with a written letter or any information on a fair trial to dispute it before effecting my credit score. They have claimed they had sent a letter and I told them I never received it and is there a proof of documentation stating when they sent it. They couldn't provide that information, but they mention they are sending another letter in XXXX business days. As I was waiting, I filed a dispute to the XXXX credit bureaus ( XXXX XXXX ) and XXXX  didn't even show the collection being due. I contacted XXXX and went back and forth with them about the dispute process and had gone nowhere since they told me they sold it off to Credence Resource Management XXXX XXXX  deleted the derogatory mark, and my credit went up and followed XXXX  after 1 month. My credit score went from XXXX to XXXX and after months of going back and forth it's now around XXXX. I write this and take action towards the company because of how unprofessional and unethical they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: OK

Complaint narrative:
On Sun, XX/XX/year>, at XXXXXXXX XXXX, I used the website to schedule for a public storage unit at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the Move-In Date : XX/XX/XXXX. In order to schedule, XXXX XXXX first requests that you lock in your reservation by making a down payment and sign a contract. XXXX XXXX does not allow you to make a reservation without doing these XXXX things. Once I did my payment, I was provided with XXXX XXXX : XXXX. 

Meanwhile, I continued to shop around for a unit with XXXX XXXX closer to my home. I called and spoke with the manager at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location and he told me that he will try to get me to the closer location prior to my move in date, that he would need to first speak with the manager at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the other management. 

I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location to speak to the manager that made the promise several times prior to my move in and he was not there, he was on vacation. 

On my move in date of XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location. The front desk gave me the reimbursement for the lock fee and insurance and handed me the key card to see the unit. After analyzing the unit, I decided that I did not want it, that I wanted the unit on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The young lady told me that she was not authorized to make any changes in her system. That I would have to contact management, and they were only available by call center only. 

I drove to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, hoping that the manager that I was initially talking to was there and he was. He tried to give me the same discount rate and move in date but because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showed that I owed a balance ( for a unit that I only looked at and did not move into ) he could not allow the discounted rate in his system. 

I had to settle with getting a storage unit that was smaller and for more money with a different company. 

Now, XXXX XXXX has sent a {$30.00} bill t to collections, and the creditors are harassing me by email and phone for the money. The creditor is Cedars Business Services Cedars Business Services , LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following charged-off accounts that are being reported by TransUnion. I am requesting that TransUnion verify these items with the original creditors and confirm all reporting details are accurate and complete. 

Accounts in Dispute : XXXX XXXX Account # XXXX Date : XX/XX/year> Reported Balance : {$3300.00} XXXX Auto Account # XXXX Date : XX/XX/year> Reported Balance : {$14000.00} I believe the reporting of these accounts may include inaccurate or unverifiable information. Please conduct a reinvestigation under the Fair Credit Reporting Act and remove or correct any information that can not be fully verified. 

Thank you for taking the time to review and correct my 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 2025-11-11 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:
Despite submitting several dispute rounds, Experian continues to report accounts that can not be verified or supported with proper documentation from the original creditors or XXXX. These include a charged-off account from XXXX XXXX  for {$3000.00}, an XXXX XXXX account XXXX XXXX XXXX payments after closure, a XXXX  XXXX account showing repeated unverified delinquencies, and a XXXX XXXX XXXX collection account for {$430.00} allegedly originating from XXXX. I have repeatedly requested verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but Experians responses have been generic, stating investigation complete without providing any validation evidence or documentation. Experian has also continued to display several hard inquiries from car dealerships and lenders made between XX/XX/XXXX and XX/XX/XXXX that I did not authorize or give written consent for. These unverified inquiries and inaccurate accounts have significantly harmed my credit score, dropped it to the XXXX, and affected my ability to qualify for credit and housing.

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 2025-11-11 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:
Dear Sir/Madam, I am submitting a formal dispute to request the removal or correction of inaccurate and incomplete information that appears on my credit report. Please see the details of the accounts in dispute below, categorized by credit bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX Positive Accounts : 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 non-monetary relief
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-11 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:
I am disputing both an account and an inquiry being reported on my Experian credit report that appear to be inaccurate or unverifiable. I am requesting a reinvestigation under the FCRA. 

XXXX Account in Dispute : XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, Reported Balance : {$0.00} This account is being reported as charged off, but I have not been provided documentation validating the debt, its ownership, or the charge-off status. Please verify the accuracy with the original creditor or remove the account if it can not be confirmed. 

Inquiry in Dispute : XXXX XXXX XXXX XXXX XXXX I, Date : XX/XX/XXXX I do not recall authorizing this hard inquiry. Please verify that it was made with my explicit consent and that it meets permissible purpose requirements under the FCRA. If it can not be verified, please remove it. 

Thank you for reviewing these matters and updating my credit file accordingly.

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 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have deposited over {$34000.00} with my XXXX XXXX XXXXXXXX bank account into Robinhood for investment purposes. Only a few days after the funds became available on my Robinhood account, the Robinhood team notified me that my account is restricted and under review without providing reasoning. A few days after that ( XX/XX/XXXX ), they told me my account will be closed and my funds will be returned to my bank account. They refused to provide a confirmation for me to pass on to my bank and my bank has not seen any sign of Robinhood initiating a refund. I can not even get in direct contact with an agent at Robinhood. XXXX XXXX XXXX can not see the transaction in their system, they have advised me to contact a lawyer for this matter. This is a large sum of money and I would like to have it back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Can you verify this entry? It was submitted late and might be inaccurate.

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 2025-11-11 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: IL

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate and/or incomplete, in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following discrepancies and respectfully request that they be corrected in accordance with FCRA requirements. 

Charged Off Accounts : No Disputed Accounts in This Category Discrepancy : There are no disputed charged-off accounts listed for Experian. Please confirm that no errors are present. 

Inquiries : XXXX XXXXXXXX Date of Inquiry : XX/XX/year> Discrepancy : I dispute this inquiry, as I did not authorize or initiate this credit check. It should be removed from my report. 

Late Payments : No Disputed Late Payments in This Category Discrepancy : I request that you verify the late payment history, as I believe no such payments were made after the official due date.

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