vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Capital One credit card ( ending in XXXX ) was in good standing and active. I never submitted a fraud claim or dispute. However, a third-party credit repair company ( XXXX XXXX XXXX XXXX XXXX XXXX unauthorized fraud claim on my behalf without my consent. Capital One closed my account as a result. 

I called Capital One multiple times on XX/XX/year> ( at XXXX, XXXX, XXXX, XXXX, and XXXX EST ) to explain that I did not authorize this dispute and asked them to reverse the closure and remove any fraud flags. I was transferred to supervisors XXXX times and was repeatedly denied access to the internal records or even a basic explanation of the account closure. 

I provided Capital One with proper identity verification and submitted documentation showing : The account was in good standing. 

I made a final payment on XX/XX/year> for the full balance. 

They continued emailing me statements after the dispute was supposedly submitted. 

TransUnion confirmed that the original dispute did not come from me. 

Despite all this, Capital One refuses to reinstate the account, refuses to provide records about the closure, and has damaged my credit over a fraud report I never submitted. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

I am requesting that : Capital One reverse the inaccurate closure Remove any related fraud flags from my credit report Provide all internal documentation related to this case Notify credit bureaus that the report was made in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I mistakenly transferred {$1000.00} via XXXX through my Bank of America account to the wrong recipient due to a manual entry error. I typed in the recipients first and last name as I believed them to be, but XXXX displayed a different enrolled name at the confirmation screen. Unfortunately, I proceeded with the transfer without realizing the name mismatch indicated a different individual. 

I attempted to contact the recipient immediately after realizing the mistake. The recipient acknowledged receiving the funds but has since been uncooperative and unwilling to return them, citing difficulty accessing his account from abroad and stating he may not return to the U.S. 

I contacted both Bank of America and XXXX to request assistance in reversing the transaction. I was told that XXXX payments are final and that neither party could reverse the transfer. I was also advised to contact the recipient directly, which I already attempted without success.

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 2025-06-14 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 a verified victim of identity theft. I submitted an FTC Identity Theft Report and all supporting documents to Experian, including a copy of my government-issued ID, proof of address, and my SSN as required by law under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Despite this, Experian refused to block fraudulent accounts from my credit report and incorrectly demanded a police report, which is not required under the FCRA. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$58.00} Im requesting the CFPB investigate and enforce my legal right to have these accounts blocked within 4 business days, as required by law. I also request written and email confirmation once resolved.

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 2025-06-14 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:
I am a verified victim of identity theft. I submitted an FTC Identity Theft Report and all supporting documents to Experian, including a copy of my government-issued ID, proof of address, and my SSN as required by law under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Despite this, Experian refused to block fraudulent accounts from my credit report and incorrectly demanded a police report, which is not required under the FCRA. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$58.00} Im requesting the CFPB investigate and enforce my legal right to have these accounts blocked within 4 business days, as required by law. I also request written and email confirmation once resolved.

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 2025-06-14 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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 non-monetary relief
Consumer complaint received 2025-06-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is not a new complaint, but a formal documentation update in connection with my previously submitted CFPB cases regarding Chase : XX/XX/XXXX Case ID : XXXX XX/XX/XXXX Case ID : XXXX XX/XX/XXXX Filed as an official addendum ( Case ID : XXXX ) to the XX/XX/XXXX case XX/XX/XXXX Mental health accommodation form submitted directly to CFPB and tied to the cases above ( Case XXXX ) On XX/XX/XXXX ( Today ), I submitted XXXX final medical documents to the Chase XXXX XXXX by email. I am now submitting them here to ensure full regulatory inclusion and preserve consistent oversight across all cases : XXXX. ) A certified XXXX test result 6.5 % ( Abnormal ) : confirming XXXX XXXX XXXX XXXX. This lab result, dated XX/XX/XXXX, confirms a diagnosis of XXXX XXXX XXXX under XXXX and WHO standards. Through enormous mental effort and personal stress, I was able to schedule and attend a medical appointment just yesterday to obtain this documentation. Unfortunately, due to the delayed nature of my care and the challenges of re-engaging with medical systems after a long gap, there was confusion regarding medication refills, which were not completed. This reflects the ongoing cognitive and logistical difficulty I face, as originally described in my XXXX filings and XX/XX/XXXX Documentation Update. 

XXXX. ) XXXX XXXX with medications. 

This summary, originally dated XX/XX/XXXX, confirms long-term treatment for XXXX XXXX with FMLA accommodations XXXX including medications continued to be recommended. The note was reissued through my patient portal on XX/XX/XXXX, as my provider is currently transitioning to a different agency and can not supply updated records. This document supports the broader medical hardship described across all complaint tiers. 

These records substantiate earlier XXXX and safety claims related to Chases handling of a {$3900.00} fraud case and reinforce the hardships described across all tiers of my previously submitted cases. 

I respectfully request that these documents be reviewed in tandem with the XXXX case IDs listed above and that Chase be required to formally acknowledge them under CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I AM DISPUTING SEVERAL ITEMS ON MY CREDIT REPORT, WHICH IS A MAJOR ISSUE THAT NEEDS ATTENTION ASAP THESE ITEM NEEDS TO BE REMOVED FROM THE CREDIT REPORT AND ITS ENTIRETY. 

Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : DISPUTE CREDIT ITEMS & ADDRESS, & INQUIRIES Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Deletion of Incorrect Address, Credit Items, and Hard Inquiries Subject : Dispute of Credit Report Information Dear Experian, I am writing to formally dispute and request the removal of inaccurate information listed on my credit report. These errors are impacting my credit profile, and I ask that you investigate and delete the following items immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect Address to Be Removed : XXXX XXXX XXXX, XXXX, GA XXXX I do not reside at this address, nor do I receive mail there. This address should be removed from my credit file as it is incorrect. 

2. Credit Accounts to Be Deleted : Please remove the following accounts, as I have submitted or can provide letters from the respective creditors confirming deletion instructions : XXXX XXXX XXXX ( XXXX ) This was a secured credit card. I have provided a letter from XXXX requesting the deletion of this negative item from my credit file. 

XXXX XXXX XXXX ( XXXX ) This account has been paid in full. A letter from the creditor confirms the negative information should be removed. 

XXXX XXXX XXXX XXXX ) Supporting documentation has been provided from the creditor instructing removal of this account from all credit reporting agencies. 

XXXX XXXX ( XXXX ) I have submitted a letter from the creditor requesting that this account be deleted from my credit report entirely. 

3. Hard Inquiries to Be Investigated and Removed : The following hard inquiries appear on my report without my authorization or are no longer valid. Please investigate and remove any that were not initiated or approved by me : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX XXXX XXXX credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
They are charging me XXXX dollars something that I don't even owe or recognize where that amount came from and that only appeared in my credit report on XX/XX/XXXX and the truth is I don't know what to do because that's not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

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 2025-06-14 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: CA

Complaint narrative:
I did not open please remove immediately. Equifax is committing fraud. XXXX XXXX and Experian. They all are saying they are not receiving these documents. 

Remove these accounts

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 2025-06-14 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: LEXISNEXIS
State: MS

Complaint narrative:
Need the assistance and enforcement of the CFPB to hold each credit reporting agency accountable for violating the FCRA. Was a victim of a national data breach caused by XXXX  years ago. I am still trying to remove accounts that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CBC Companies, Inc.
State: MS

Complaint narrative:
Need the assistance and enforcement of the CFPB to hold each credit reporting agency accountable for violating the FCRA. Was a victim of a national data breach caused by XXXX  years ago. I am still trying to remove accounts that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase account is not accessible and my funds are locked up. I have been trying to provide all info ( driver license, photo etc ) multiple times but keep getting response to wait. Issue started XX/XX/year>. Submitted document on XXXX XXXX and XXXX XXXX again. Have been told 24 hours, 49 hours wait but no resolution. Please help as I am worried about my funds

Company response to consumer: Closed with monetary relief