vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I initiated a balance transfer from us bank to capital one on the amount of XXXX. XXXX bank sent capital one the check and it was cashed on XX/XX/year> It has my name and account number on the check. The funds have never made it to my account and capital one tells me that when I call. I filed a fraud claim thru both banks and both banks have denied the claims. Neither bank will take the initiative to do a XXXX way call and help me figure this out. Its always filing another claim that takes XXXX weeks to get denied. Im done playing phone tag with both these banks. In the meantime Im paying payment on this money Ive never received. I did make a mistake and entered my debit card and I realized it the next morning so I went online to cancel the transaction and it said it was cancelled, next thing I know Im getting this bill from XXXX XXXX  for this balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX XXXX reached out to my wife via text regarding a collection that occurred before we met. They also called her and gave her my previous address, my phone number, my email and a credit card/account number over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  and Experian failed to block and remove a fraudulent tradeline reported as identity theft under FCRA 605B, despite receiving a valid FTC Identity Theft Report and sufficient identity documentation and instead issued an improper request for additional verification.

Detailed Description I am a confirmed victim of identity theft. On XX/XX/year>, I submitted a formal FCRA 605B identity theft block request to XXXX  regarding a fraudulent tradeline reported by XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX. 

My submission included all documentation required by 15 U.S.C. 1681c-2, including : A completed FTC Identity Theft Report A valid government-issued photo ID Proof of current address Under federal law, XXXX  was required to block the fraudulent information within four ( 4 ) business days. Instead of complying, XXXX  sent me a letter demanding additional identity verification and claiming my identity could not be verified. 

XXXX response is improper and unlawful for the following reasons : 605B does not permit reinvestigation or discretionary verification. 
Once a valid Identity Theft Report is received, XXXX  must block the information unless it determines the report is fraudulent or materially false. XXXX  made no such determination. 

XXXX  failed to identify any deficiency in the documentation submitted. 
The response letter contained only a generalized claim that my information does not match XXXX records, without specifying any discrepancy or lawful basis for refusal. 

XXXX  mischaracterized my submission as requiring further verification. 
My request was not a dispute under 611 and did not authorize XXXX  to delay compliance by requesting duplicative documents. 

As a result, the fraudulent tradeline continues to appear on my credit file, causing ongoing harm despite my full statutory compliance. 

Legal Basis XXXX  actions constitute violations of the Fair Credit Reporting Act, including : 15 U.S.C. 1681c-2 ( a ) Failure to block identity-theft-related information 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681g ( a ) Failure to properly disclose and correct personal information XXXX  conduct reflects willful noncompliance with federal law.

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 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime closed my account without clear explanation while I had approximately {$600.00} in my savings account. Since the closure, I have been unable to access my funds or get a clear answer on when or how my money will be returned. Customer support has repeatedly redirected me without resolution. This is causing financial hardship, as these funds are necessary for basic living expenses and transportation. I am requesting the immediate return of my remaining balance and written confirmation of when and how the funds will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: RI

Complaint narrative:
Dispute of Late XXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date.

Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from
my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applir ' e federal law. 

Thank you for your prompt attention to this matter.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was defrauded by a person named XXXX XXXX on Venmo. I paid him {$570.00} for basketball training, but he did not provide service despite my numerous attempts. He agreed to a full refund but I have never received it. He has since stopped responding to me. I filed a Venmo claim ( # XXXX ) on XX/XX/XXXX and provided all supporting documents, including screen captures. 

XX/XX/XXXX : Emailed Venmo to confirm that Venmo received my document. Received response from XXXX that they received the information and will investigate. 

XX/XX/XXXX : Emailed XXXX looking for an update, no response. 

XX/XX/XXXX : Called Venmo customer service with a female representative. She stated that Venmo decided in our favor on XXXX and we should have {$570.00} in our account. I told her that this money never showed up in our Venmo account or in our Bank through our Debit card. She said to check in a few days because the decision was recent. 

XX/XX/XXXX : Called Venmo customer service with XXXX. He stated again that we won the dispute and the money should be in our account. He said he would stay on the line while I called the bank to get it straightened out. By the time I got through the phone tree with the bank and talking to someone, XXXX was gone. I confirmed with the Bank that no transaction has taken place for this money, and there has been no history or verification of an attempt to return {$570.00}. 

XX/XX/XXXX : I called back Venmo and spoke with a XXXX  representative ( likely the same lady on XX/XX/XXXX ). She again stated we won the dispute, but could not provide further help about where my refund was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
I am the victim of an online employment scam that resulted in fraudulent charges on my Capital One account. I was manipulated into making payments under false promises that funds would be released to me. 

The scammers used fabricated XXXX emails and falsified screenshots to pressure me into sending money and gift cards. These communications were fraudulent. 

Capital One denied or inadequately handled my fraud dispute by stating that the transactions were authorized, despite the fact that they were induced through deception. I reported this scam to the FTC and FBI XXXX and preserved all evidence. 

I am requesting that Capital One reopen and properly investigate these charges as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was never issued nor received a 1099C but my after reviewing my credit report it states that XXXX/ JPMCB CARD has payment status as charged off & under remarks it says Profit and loss write-off account closed by creditor grantor so by FCRA law I should have been issued a 1099C for tax purposes & should not be furnished on my credit report showing I'm liable for owing debt that can still be collected even tho it has been written off already that's fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Alleged Account Cavalry Portfolio Services Original Creditor : XXXX Reported Balance : {$4800.00} To Whom It May Concern, I am writing regarding the above-referenced account that your company is reporting on my consumer credit report. This letter is not an acknowledgment of any debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this alleged debt. Please provide the following documentation : XXXX. The amount of the alleged debt, including a complete itemization of principal, interest, fees, and any other charges added after charge-off. 
XXXX. The name and address of the original creditor and documentation showing the account originated with XXXX. 
XXXX. Copies of any contract, agreement, or application bearing my signature that shows I am legally obligated to pay this debt. 
XXXX. Documentation proving Cavalry Portfolio Services has legal authority to collect this debt, including proof of assignment or bill of sale from XXXX. 
XXXX. Proof that this debt is within the applicable statute of limitations in the XXXX XXXX XXXX XXXX 
XXXX. Proof that your company is licensed or otherwise authorized to collect debts in XXXX XXXX. 

Until you provide the requested validation, please cease all collection activity, including reporting this account to any consumer reporting agency. If this account is currently being reported, please note that it is disputed. 

If you are unable to provide proper validation, I request that this account be deleted from my credit reports. 

Please respond in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-16 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: OH

Complaint narrative:
ATTN : EXPERIAN XXXX XXXX ACCORDANCE TO USC 1681C-2A BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT I NEVER GAVE CONSENT TO EXPERIAN XXXX XXXX TO FURNISH THESE UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS THEY READ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY ACCOUNT ESTATE PERSON XXXX IS XXXX XXXX XXXX NOTHING ELSE NOTHING SIMILAR. DELETE FRAUD INFORMATION PLEASE REMOVE THESE ABOVE ACCOUNTS AND CORRECT MY ADDRESS AND PERSON NAME AND STOP VIOLATING THE GRAMM LEACH BLILEY ACT

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 2025-12-16 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: FL

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime opened an account without my permission, opened a debit card and sent {$300.00} without my consent.

Company response to consumer: Closed with explanation