vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I recently opened a new credit card account with Capital One and attempted to make my first payment on the due date. I connected my bank account to pay the balance, but there was a system glitch during the process, and the payment did not go through as intended. I was unaware that the payment had failed due to the technical issue. As soon as I realized it, I submitted the payment again, and it was successfully posted just two days later. 

Despite my good-faith effort to pay on time and the fact that this was my first payment on a brand-new account, Capital One charged me {$86.00} in interest. I immediately contacted customer service and explained the situation, but they refused to reverse the charge, even though the delay was due to a technical issue and not negligence on my part. 

I am requesting a refund of the {$86.00} in interest as a one-time courtesy and in light of the fact that I took prompt action to resolve the issue. I also want to ensure this does not negatively impact my credit, as the payment was only two days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year> my business bank account had {$5400.00} given to someone in XXXX Nebraska. The US Bank fraud department would only tell me that it was in Nebraska. 
They said that I would get my money back. I have a XXXX XXXX in XXXX XXXX Mo. 
I was working all day at my office so there is no way I could have received {$5400.00} in cash from a US Bank in Nebraska. Today it has been one month, and the fraud department or bank has not given back my money that they handed out without following proper protocol to check identity. The XXXX XXXX Police Department was given a report of the incident the day that it happened, and the fraud department would not discuss anything with them or give any information or cooperate with them. After contacting the fraud department several times and getting pushed from one person to another, I finally got the phone number for the police to call about the matter. Your help in this matter would be appreciated. Sincerely, 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 2025-05-08 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: NY

Complaint narrative:
EXPERIAN IS CONSTANTLY REPORTING CLOSED AND CHARGED OFF ACCOUNTS THAT HAVE BEEN WRITTEN OFF. THIS THREAT CONSTANTLY IS PULLING DOWN MY CREDIT SCORE AND THEY HAVE REFUSED WILLINGLY TO COMPLY AND CORRECT THEIR ERRORS. THEY UPDATE THE DATE AS IF IT HAS JUST HAPPENED AND THIS IS UNFAIR UNJUST CREDIT REPORTING. I AM ASKING FOR HELP FOR EXPERIAN TO STOP POSTING CLOSED AND WRITTEN OFF ACCOUNTS EVERY MONTH AND HARRASSING ME WITH MY CREDIT SCORE DROPPING DUE TO WRITTEN OFF AND CLOSED ACCOUNTS. I NEED A REMEDY FROM THIS MADNESS. MY SCIRE DROPPED XXXX POINTS BECAUSE OF Experian USING CLOSED/CHARGED OFF ACOUNTS AS IF THE JUST HAPPENED. INCORRECT, UNFAIR, BIASED CREDIT 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 2025-05-08 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts and hard inquiries listed on my Experian credit report. As permitted under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of the following entries : Disputed Accounts : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXXXXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXXXXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$470.00XXXX XXXX XXXX XXXXccount number : XXXX Opened : XX/XX/XXXX Balance : {$97.00} XXXX XXXXXXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$67.00} XXXX  XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX  XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$39.00} XXXX  XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$370.00} XXXX  XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX  XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Disputed Hard Inquiries : XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX I request that Experian verify these entries with the original furnishers and remove any that can not be fully validated. Please provide documentation used in your investigation and a free updated credit report reflecting the results.

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 2025-05-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My complaint is with Paypal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I noticed a phone number that I didn't know kept popping up when I logged into Paypal to approve. I never did and I called Paypal to raise awareness as some one hacking into my account. They eventually removed that pop up but never helped looked further into my account. 
Then in mid XX/XX/year>, I noticed to two transactions in XXXX XXXX checking account on XX/XX/XXXX for {$980.00} and {$980.00} to " paypal transfer to visao media ( my paypal acct name ) '' '. I did not authorize this and called XXXX XXXX and Paypal to report the fraudulent transactions and claim. Paypal then asked about looking into my account. And saw there was an uploaded payment card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was added to my paypal account with no name just a address in XXXX XXXX. I did not know it was there and we removed it. Eventually later I found out there was a user added and a phone number that was also added that I did not authorize, I found that info out a few phone calls later. 
Upon further notice, I went back through my wells fargo activity to see what other transactions were done in the similar fashion with paypal and saw 4 more transactions that occurred on XX/XX/XXXX for {$980.00} and {$980.00} and XX/XX/XXXX for {$980.00} and {$490.00} for a total of {$5400.00}. I called XXXX XXXX back and Paypal to report these transactions as unauthorized/fraud activity. XXXX XXXX reversed the transactions and helped me. Paypal however denied my claims even thought I made about 10 calls to talk to them, half of the calls I was hung up on and half of time I got people to help assess the situation and everyone agreed this was fraud based on the evidence they saw. I was hopeful in thinking this would get resolved. The last correspondence with paypal was XX/XX/XXXX, it was escalated to a supervisor and they said they denied it because a phone number I don ; t recognize was sitting in there, so they assume its a trusted source. They same phone that I originally called about to report suspicious activity in the first place to avoid all of this. So frustrating to have Paypal not help in a way you'd expect a company like this to operate with our money transactions. 
As of now paypal says I owe them {$3400.00} and are sending to me to collections now. I never saw any of this transactions activity in my paypal account to see that this was even happening. I filed a XXXX XXXX XXXX. police report above in top lines. I'm at the end of my road here with fighting this. Appreciate any help around these matters. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing the accuracy and integrity of the information being reported by Wells Fargo ( XXXX ) on my credit report. This account is currently listed as charged off with a balance of {$1600.00}, but there are multiple violations of the Fair Credit Reporting Act ( FCRA ) and inaccuracies that must be addressed. 
XXXX. Re-aging of debt ( FCRA 623 ( a ) ( 5 ) ) The account shows inconsistent and escalating balance updates from {$250.00} in XX/XX/year> to {$1600.00} within a few months, even after being charged off. This suggests improper re-aging of the account to make it appear more recent and active than it is, which is unlawful. 
XXXX. Inaccurate payment history ( FCRA 607 ( b ) ) The payment history is incomplete and inconsistent. It shows late payments over many months, yet there are missing payment dates, irregular entries, and no record of any recent payment activity, violating the requirement to report with maximum possible accuracy. 
XXXX. Inconsistent balance reporting The balance jumps erratically with no clear payment or fee structure. For example, in XX/XX/year>, the balance is listed as {$250.00}, yet by XXXX and XXXX, it sharply increases with no clear explanation. This violates XXXX XXXX compliance standards for consistency in reporting. 
XXXX. Dispute not resolved correctly ( FCRA 611 ) The account includes the note Account previously in dispute investigation complete, but the inaccuracies were not corrected. If the furnisher can not verify accurate reporting, they are required to delete or correct the tradeline they did not. 
XXXX. Misleading status The account shows closed at credit grantors request and charge off, yet continues to show activity and balance updates, which is contradictory and misleading. This creates confusion for lenders and violates the principle of fair and accurate 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reported a {$630.00} collection to the credit bureaus after I returned their internet equipment. XXXX sent me an email on XXXX XXXX XXXX, confirming receipt of the returned items and guaranteeing no charges. XXXX later sent me another email, promising to resolve the issue by the XXXX. Despite this promise, XXXX failed to remove the charge, sending the account to collections and reporting it to Experian. I disputed it with Experian, XXXX, and XXXX, but XXXX falsely verified the charge as accurate. This fraud has negatively impacted my credit, and XXXX has not corrected the error.

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 2025-05-08 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: IN

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-08 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 a victim of identity theft the following accounts have never belonged to me and were open as a result of identity theft. Please delete the follow 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

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 2025-05-08 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 a victim of identity theft the following accounts have never belonged to me and were open as a result of identity theft. Please delete the follow 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-05-08 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: MI

Complaint narrative:
On XX/XX/year> a new inquiry was reported from XXXX XXXX to Transunion. This is an unauthorized inquiry and I did not approve it. I called Transunion to let them know that and they stated they would contact 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 2025-05-08 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: WI

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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