vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
XX/XX/year> I submitted a claim to capital one about a charge of XXXXXXXX XXXX I only disputed XXXXXXXX XXXX XXXX recorded credit for That same day I called back because I analyzed the invoice given to me from the charge and it was invalid due to impossible time stamps so I called to make another claim for the full amount They claimed they made the dispute and never gave me a claim number After waiting for so long I called to ask for a remaining credit for the amount and they said they cant because of ongoing investigation so I tried to open another XXXX and they can not give me any reason why I cant get a credit. Customer service representative have been very confusing and dont seem to understand me when I say Im filing a dispute for the full amount I was charged. I am disputing a {$410.00} towing charge that was billed using factually incorrect service records.The towing companys invoice states the tow request was received at XXXXXXXX XXXX and the tow was completed at XXXX XXXX  the same date, which is chronologically impossible. All fees charged are derived from this inaccurate timeline.XXXX XXXX allowed me to dispute only {$130.00} of the transaction and is refusing to allow a dispute or provisional credit for the remaining balance, citing internal system limitations. I am disputing the entire transaction, not just a portion, because the merchants documentation is unreliable and invalidates all charges.I paid under duress to retrieve my vehicle and can not determine a correct charge due to the merchants inaccurate records. I am requesting Capital One process a full dispute or issue appropriate credit for the remaining amount. 
Claim number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
TransUnion LLC, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and by willfully violating the FCRA 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TransUnion LLC, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and by willfully violating the FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I said XXXX XXXX open a XXXX account on XX/XX/year>. I also deposited Postal money orders that I received from a vehicle that I have sold. In the total price of {$5000.00}. The postal Money orders were verified by XXXX with the receipts and everything. The next day they close my account without telling me no reason and for the past XXXX XXXX, I have been trying to fight to get my money back out and they keep saying that they are trying to get a hold of the post office to verify the funds, but they never called them. They say that they need me to call them so they can call the XXXX to verify the postal money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I saw i had emails from Capital one, a long time ago i was an authorized signer on my brothers checking accounts in capitol one, they were XXXX  so by company policy i had to be included to have their accounts established .later on I closed their accounts since there wasn't really use to it anymore, then i believe my email stayed on record with the profile i made to log in, keep in mind once logged in nothing was attached to this log in and I'm talking about XXXX years ago. Then cut back to present time I received an email on XX/XX/XXXX notifying me that my XXXX XXXX Credit Card ... XXXX | XXXX XXXX XXXX will be arriving on XX/XX/XXXX, I'm confused because which address will it arrive to? how did they log in? I don't even remember the password info to log in? Was it electronically or in person? This isn't something you make a mistake about this is someone who had access to my private info and created a credit account without my consent. I asked everyone around me, my husband, my parents, my brothers and none of them have my information or opened one by accident .So XX/XX/XXXX i called Capitol one, and tried to get more info on how it was possible or how long ago was it requested, which address did this person used, and had there been any purchases made so far, because i cant log in? I'm very careful with my credit and right now during the holidays seems like a horrible spot to be in, my husband was hurt during work and i became a mom for the first time I don't have time and money to give away to a person who's making these transactions nor do i have the patience to lie about this transaction because that is what i got from the agent from capital one, he kept repeating to me that a team would investigate me and my finances and credits and make sure i wasn't making the transaction fraudulently or for another purpose and i shouldn't fear what i don't owe. I asked for information on how this transaction occurred and was told there would be an investigation and they'll get back to me when they are ready, and that's all the info i have, as of today XX/XX/XXXX I am going to call Capitol One back until i have a more detailed answered otherwise i will not be taken seriously I just noticed too the emails im sending you I received XXXX notifications almost one after the other and all around XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear PRA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 a confirmed victim of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission, FTC Report Number XXXX, and provided supporting documentation including proof of identity and proof of address. 

Despite receipt of this information, the credit reporting agencies continue to report fraudulent accounts that were opened and reported without my knowledge or authorization. 

Under 15 U.S.C. 1681c-2 ( a ) and 1681c-2 ( c ), once a consumer reporting agency receives a valid identity theft report, it is required by federal law to block the reporting of fraudulent information within four ( 4 ) business days. This requirement is mandatory and non-discretionary.

The continued reporting and/or failure to block these accounts constitutes willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o, impermissible furnishing of consumer report information under 15 U.S.C. 1681b, and defamation of character. 

The fraudulent accounts include, but are not limited to : XXXX XXXX  Account # XXXX {$5200.00} XXXX XXXX XXXXXXXX Account # XXXX {$3100.00} XXXX  Account # XXXX {$20000.00} XXXX XXXX Account # XXXX {$1000.00} XXXX Account # XXXX {$6000.00} XXXX XXXX Account # XXXX {$30000.00} XXXX XXXX Account # XXXX {$1200.00} XXXX XXXX Account # XXXX {$3700.00} Each bureau has been provided notice and documentation. No further verification beyond what the FCRA permits is authorized. I am requesting CFPB intervention to require immediate compliance with federal law, permanent deletion of the fraudulent accounts, and written confirmation of correction.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a Cashiers Check in the amount of {$76000.00} in person at the Wells Fargo XXXX XXXX, California branch. The funds were drawn on an account that I have at XXXX XXXX for a number of years. I was assured by the staff at Wells Fargo that the funds would be available the next day ( XX/XX/XXXX ). When on the next day funds were placed on hold I inquired as to why and was not provided with a reason only that " the back office '' has placed a hold. As these funds are needed for my year end tax and financial deadlines, the fact that Wells Fargo failed to credit my account or return the funds and has provided no valid explanation or resolution means the funds are confiscated. The fact that I have banked at this branch for XXXX decades, have maintained significant fund balances and never had an account that was not in perfect order ( and I have multiple checking, have had mortgages as well as line of credits with Wells Fargo over the many years ) is of no consideration. I informed the manager of the bank, XXXX XXXX that this was not acceptable and implored my personal banker XXXX XXXX to locate whom could release these funds or return the check to me not later than today, Monday XX/XX/XXXX. I have not had any resolution and in fact have only been repeatedly informed that Wells Fargo reserves the right to act as they see fit. 

This is a documented deposit and the receipt includes the wording " {$75000.00} will be available on Wednesday XX/XX/XXXX ''. Further, the bank manager at the bank from which the Certified Check was drawn provided her business card to call for verification ( a procedure which was done in the exact same manner from the exact same bank in the amount of {$140000.00} on XX/XX/XXXX ). The combination of my longstanding relationship, spotless record and the past successful experience with making this type of deposit led me to believe that the word of the staff at the branch would be honored. 

I have been in contact with the Wells Fargo via phone ( a very limited resource that provided no assistance and would not even speculate on when my funds would be available. Nor would the bank return the funds which would not have been deposited if I knew they would confiscate them. The branch determined the funds would not be available until XX/XX/XXXX of XXXX. 

To add insult to injury, the funds now show " posted '' in my account but they are not in fact available which is inconsistent with how Wells Fargo records funds that are " pending '' versus posted. 

I have copies of all correspondence and receipts that demonstrate the actions I have taken and the stonewalling by Wells Fargo which I will upload here. 
XX/XX/XXXX XXXX XXXX / XXXX XXXX, CA

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 2025-12-29 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2025-12-29 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: NV

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
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My Capital One Credit Card was charged XXXX amounts on subsequent months ; first XXXX XXXX XXXX Described as : XXXXXXXX XXXX XXXX XXXX  XXXX for {$240.00}, and second one XXXX XXXX described as : XXXX XXXX XXXX XXXX XXXXXXXX for {$180.00}. Since I don't have any account with XXXX, I called the XXXX phone number to find out why I was charged, and they told me they could not find the charges to my credit card at all in their systems, and to report the amounts as fraudulent charges to my credit card company, Capital One. On or around XX/XX/XXXX, I called Capital One to report the fraud charges. I had already paid the XXXX XXXX charge, not realizing it was not valid, since I had contact with the XXXXXXXX XXXX XXXX XXXX  XXXX store on XXXX XX/XX/year>, about cell phones, which I returned to the store for a refund. Capital One verified several other charges, that they intervened on as fraudulent before closing the account, and stated they would investigate the XXXX XXXX charges. On XX/XX/XXXX, I received communication from Capital One that they were in process of investigating the XXXX fraudulent charges. On my Capital One XXXX statement, they rebilled me for the XXXX XXXX XXXX amount of {$180.00}, and stated in a letter sent to my address, that they had investigated the fraud and received information that the transaction was " beneficial '' to both parties? I have asked for the information they received, to be given to me, that proves the charge was not fraud, since I have no accounts with XXXX?, and the phone number associated with the charge in my statement, stated to me the charge was fraud. I am XXXX XXXX XXXX, and do not hear well. I called Capital One to authorize my daughter as a user on the account so they could speak to her about the fraud case. When she called to talk to Capital One, they would not discuss the case with her, and now Capital One is charging me interest and penalty on the recharged amount of {$180.00}, stating I owe them {$210.00} now, when they actually owe me a refund for the fraudulent charge I already paid them for, of {$240.00}. I live independently, and my daughter is only occasionally at my home, so I am not able to call Capital One with her present.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been trying to get mortgage assistance. My lender does not even consider a review. I apply and they immediately shut it down without even reviewing my hardship or financial situation. They immediately proceeded with foreclosure and an auction date on my property. It led me to file for bankruptcy because of they lack of willingness to assist me. Finally when I filed for Bankruptcy and applied for mortgage assistance again, they advised that they could no longer consider me for assistance because I was in bankruptcy. Every time I talked to them they advised me of the same thing. So i dismissed the bankruptcy because they were finally willing to work with me and when this was done, the first thing they did was to schedule a new auction date. they have been deceiving and predatory on behalf of their investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

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 2025-12-29 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: IL

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 response to consumer: Closed with non-monetary relief