vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CFPB Complaint Mishandled Dispute and Misleading Deadline by Capital One I opened a dispute with XXXX at Capital One on XX/XX/year> ( case # ( XXXX ) regarding a charge from Only XXXX XXXX XXXX XXXX of {$2100.00}. I was told I could view the case from the Capital One website under I want to > Statements and Documents, but to this date it has never appeared there, although another unrelated case does. I notified all representatives and managers of this issue. To date, I have received XXXX XXXX letters and no emails, despite my Capital One profile being fully up to date for years with both my and my wifes phone numbers and emails and reporting the issue to each and every person I spoke with. 

On XX/XX/XXXX, I called XXXX at Capital One to request an upload link. During that call, XXXX offeredwithout my requestan extension of my response deadline from XX/XX/XXXX to XX/XX/year>, based on the XX/XX/XXXX letter. I detrimentally relied on that information. On XX/XX/XXXX, I called again and spoke with XXXX, who provided a second upload link but said I had missed the XX/XX/XXXX deadline and that XXXX notes showed no extension. She transferred me to a XXXX, XXXX # XXXX who said deadlines can not be extended but would request a call pull to review my conversation with XXXX, though the results would not affect the case. The case remained open until XX/XX/XXXX per XXXX. On XX/XX/XXXX I received a closure letter dated XX/XX/XXXX. 

I followed up on that letter on XX/XX/XXXX with XXXX XXXX. XXXX requested a call pull immediately and verified XXXX promise of an extension. Despite that, Capital One denied my dispute rights, citing the original XX/XX/XXXX then an absolute XX/XX/XXXX deadline. Additionally, their XXXX deadline was calculated from a XX/XX/XXXX letter I did not receive until XX/XX/XXXX, unfairly reducing my response time. Capital Ones actionsfailing to record or display the dispute properly, misrepresenting deadlines, and refusing to honor a confirmed extensionconstitute unfair and deceptive practices under the XXXX XXXX. I request CFPB assistance to have this dispute reinstated and fully reviewed. 
Capital Ones conduct checks all three boxes under federal UDAP standards, which the CFPB enforces under XXXX XXXX XXXX : That combination misrepresentation, reliance, and harm forms a classic UDAP case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\n1.\XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to [Your Address/Email].\n\nSincerely,\nDevon Tate'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
XX/XX/XXXX5 Under U.S.C. Sec XXXX XXXX, ( a, b ) XXXX, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec XXXX XXXX which explains if an item can not be verified XX/XX/XXXX days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XX/XX/XXXX days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec XXXX laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$540.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$130.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$6500.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX & XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$620.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} * * Inquiries * * XXXX XXXX ( XXXX ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXXXX/XX/XXXX( Finance ) XX/XX/XXXX XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto )XX/XX/XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXX/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 2025-10-28 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-28 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: GA

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: MI

Complaint narrative:
I recently booked a travel reservation and used the XXXX platform to pay. When I made the booking, I received an email which said my that my purchase was approved. I was provided my total and a payment schedule along with my itinerary number. That was on XX/XX/XXXX. XXXX days later on XX/XX/XXXX I received an email from them stating that the purchase had been declined. After getting that message, I rebooked my trip using another payment method. About a week or XXXX after that, XXXX sent me notification of my upcoming payment that was nearing it's due date. I contacted them and sent the emails that I had gotten. It's my position that I'm not responsible. I was told the purchase was declined. I didn't use any part of that reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am filing a complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reinsertion of the XXXX XXXXXXXX ( XXXX ) account on my credit file. This account was reported on XX/XX/year> that this was deleted, and was reinserted on XX/XX/year>, according to XXXX investigation results. It was reintegrated again on XX/XX/year>, and I finally received your investigation result on XX/XX/year>, stating that it was deleted from the file. The reinsertion of this account occurred without your agency certifying that the information was validated as required under 15 U.S.C. 1681s ( i ) ( 5 ) ( B ). Furthermore, I was not notified in writing within 5 business days of the reinsertion, as mandated by 15 U.S.C. 1681s ( i ) ( 5 ) ( B ) ( iii ). The FCRA clearly states that if any information is deleted from a consumer 's file, it can not be reinserted unless it has been properly validated. Additionally, the credit reporting agency is required to notify the consumer of the reinsertion, including the furnishers details and contact information. The failure to comply with these requirements is a direct violation of my rights under the FCRA. I am very frustrated by this ongoing issue. I have disputed this account multiple times, and I do not want to see it on my file again or have it reinserted. This situation has become intolerable, and I demand that the XXXX XXXX  account be deleted immediately from my credit file, as it was reinserted without proper validation. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days when a consumer disputes information. Since this account has not been properly validated and was reinserted without due process, it is in violation of 15 U.S.C. 1681i. I respectfully request that your agency conduct a reasonable reinvestigation of this account. If validation can not be provided within 30 days, I demand that this account be deleted 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 2025-10-27 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: IL

Complaint narrative:
At the requesting re-investigation of this matter XXXX XXXX Equifax and XXXX  as well as XXXX XXXX XXXX XXXX  have continue to disrespect the law and the statues impose upon them Id like a full investigation into this matter and all reporting cease into a thorough investigation and read investigation has been using 15 USC 1681IEGFB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: FL

Complaint narrative:
I am filing a complaint against Bridgecrest/DriveTime regarding a misrepresented auto loan. During the sales process, I was verbally told my loan would be a XXXX term, and I relied on that statement when I agreed to purchase the vehicle. The dealership then rushed me through signing and did not allow sufficient time to review the contract. After the sale, I discovered the loan was actually written as a XXXX ( XXXX ) contract, which I never knowingly agreed to. 

This was not informed consent, and it is a material misrepresentation of loan terms. I am requesting that the contract be rescinded, the vehicle returned, my {$1000.00} down payment refunded, and that there be no negative credit reporting for this account. 

I have contacted DriveTime to resolve this matter, and I am filing this complaint so the lender is required to respond and so this deceptive practice is documented and investigated. I am seeking the CFPBs assistance in ensuring the cancellation of this misrepresented auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to conduct a proper and lawful reinvestigation of the disputed account XXXX XXXX. 

On XX/XX/2025, I submitted my first formal dispute regarding multiple inaccuracies and inconsistent data being reported by TransUnion on my credit file.

Despite being legally obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to complete a reasonable reinvestigation within 30 days, TransUnion did not respond within the legal timeframe. 

After 46 days, on XX/XX/2025, I submitted a final notice demanding compliance. 
On XX/XX/2025, TransUnion responded with a letter ( File XXXX XXXXXXXX ) stating that they had already previously completed an investigation and refused to reinvestigate, unless I provided additional documents. This is a clear violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation within the 30-day period after receipt of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete unverifiable information from the consumers file.

15 U.S.C. 1681e ( b ) Failing to follow reasonable procedures to ensure maximum possible accuracy.

The disputed account remains in my credit report, showing inaccurate payment history and charge-off information inconsistent with other credit bureaus, despite TransUnions failure to verify or correct it.

TransUnions refusal to reinvestigate after my initial dispute on XX/XX/XXXX  my final notice on XX/XX/2025, and their unlawful denial on XX/XX/2025, demonstrates noncompliance with the FCRA and disregard for my rights as a consumer.

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 2025-10-27 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XXXX XXXX XXXX secured a significant settlement for a XXXX tenant after a four-year legal battle over a wrongfully withheld security deposit, highlighting the importance of tenant rights protection under the XXXX Residential Landlord Tenant Ordinance ( RLTO ). 

Members of this class action lawsuit that lived in my building were all issued {$500.00} checks for a misappropriation of funds because security deposits given to XXXX XXXX were deposited in out of state financial institutions. I was distracted by a case that I was currently battling in court with XXXX and so when the check arrived, I did not cash it right away, considering that I might need it for emergency. But here are the facts of the case surrounding the {$500.00} I was given. 

The dispute began when a landlord refused to return a security deposit exceeding {$4000.00}, despite documented evidence showing the rental unit was left in excellent condition. When initial attempts to recover the deposit were met with hostility, the tenant sought legal representation from XXXX XXXX XXXX. 

" This case exemplifies how some landlords disregard XXXX 's clear regulations protecting tenant security deposits, '' said XXXX XXXX of XXXX XXXX XXXX. " What could have been resolved quickly instead became a lengthy legal battle due to the landlord 's refusal to acknowledge these violations. '' Before filing suit, XXXX attempted to negotiate a settlement, offering the landlord a reduced payment option to resolve the matter efficiently. After these efforts were rebuffed, the firm proceeded with litigation. 

The case culminated in an arbitration hearing, where arbitrators ruled in the tenant 's favor, awarding the same amount that our client had offered to settle for, plus {$10000.00} for the attorney fees that had been incurred to bring the case through court. Despite this ruling, the landlord rejected the arbitration award, forcing the case toward trial. 

" The landlord 's decision to reject a reasonable initial settlement offer ultimately proved costly, '' noted XXXX XXXX of XXXX XXXX XXXX. " The final settlement amount substantially exceeded our original proposal, demonstrating the expensive consequences of ignoring tenant rights. '' The case resolution reinforces the effectiveness of XXXX 's XXXX in protecting tenant rights and the potential consequences landlords face for non-compliance. XXXX XXXX XXXX 's persistence over the four-year period ultimately secured justice for their client. 

For more information about tenant rights under XXXX 's XXXX, contact XXXX XXXX XXXX at XXXX or visit https XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citi XXXX XXXX XXXX and was approved. After approval, Citi requested that I send IRS XXXX XXXX for income verification. I submitted the form on time and called Citi several times to confirm they received it. Each time, I was assured that the form had been received and was being processed. 

I also received an email from Citi stating that once they verified my information, they would remove the block on my account, waive the annual fee, and XXXX me XXXX Citi points. I waited a few weeks, and after the form was processed, Citi removed the block from my account, meaning that they had verified my information. 

However, shortly after the restriction was removed, Citi closed my card without any explanation. When I called customer service, I was told only to wait for a letter in the mail. I am highly disappointed with the way I was treated. I complied with every request, and Citi verified my information, yet my account was still closed. 

Now I have a closed account appearing on my credit report, which negatively affects my credit. I demand that Citi reopen my card because I provided all requested information and it was verified, or that Citi contact me to clearly explain why my card was closed after I was approved and complied with their requirements, despite the fact that I am a Citi customer for 1 year and have other cards with them. 

Requested Resolution : Reopen my Citi XXXX XXXX XXXX account

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 2025-10-28 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:
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