vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Relations Department XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Informaton Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as XXXX XXXX is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity.

Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Enclosures XXXX XXXX XXXX TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Relations Department XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Informaton Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as XXXX XXXX is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity.

Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Enclosures XXXX XXXX XXXX TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

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 2025-11-26 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: TX

Complaint narrative:
On XX/XX/year> I Disputed XXXX XXXX  ( balance {$3100.00} ) stating age of account is too old as well as inaccurate information and requested the account be deleted, it was immediately from both XXXX  and XXXX  it is now XX/XX/year> the account has not been removed. shortly after I disputed the account my score dropped significantly XXXX pts. Equifax also changed the status of my account from closed to open causing my score to drop even more XXXX pts. Equifax is still reporting the account as open negatively effecting my score number of open accounts, card utilization, late payment etc. Disputing an account should not affect or decrease credit score. I called to request account be updated on XX/XX/year> and requested the XXXX date of delinquency on discover account ( which they have already researched from the previous dispute on XX/XX/year> ) be corrected and Equifax decreased my score XXXX pts Equifax is illegally lowering my score after each dispute and not reporting accurate and updated information. It has been over 45 days since initial dispute. All account inaccuracies should be updated and removed immediately. I want all points removed due to disputes be returned to my score immediately and XXXX XXXX  XXXX  deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A disputed {$3600.00} charge on XXXX of my Capital One checking accounts left the account negative after the bank reversed my dispute, even though the services were not rendered ; within only XXXX days of the account being negative, Capital One abruptly closed all of my accounts, including a separate checking account containing {$7500.00} in fully cleared funds. When the closures were executed, Capital One restricted all access to my online banking and prevented me from withdrawing, transferring, or accessing the {$7500.00} in any form, stating that I must wait for a back-office review with no timeline provided. Despite multiple calls explaining my immediate financial hardshipincluding that I have no access to basic needs such as water, food, and the risk of losing my property in storagethe bank refused to expedite the funds or offer any solution. As a result, I am now penniless, facing severe harm, and still unable to access my own cleared funds, with Capital One offering no written explanation, no release date, and no assistance. 

In addition to freezing the {$7500.00} in cleared funds and closing my accounts without a meaningful cure period, Capital One has already sent the disputed {$3600.00} negative balance to collections, despite the fact that the bank provided me no reasonable time to pay, no 30-, 60-, or 90-day notices, and no opportunity to correct the situation before forcefully escalating it. I maintained a consistently positive balance for years, with no history that would justify such immediate punitive action, and yet the bank refused to provide any accommodations or hardship consideration, leaving me stripped of access to my own money and simultaneously pursued by a collection agency for a dispute that remains unresolved. This handling has directly caused severe financial harm, including the inability to meet basic needs, the risk of losing my stored property, and the complete destabilization of my finances. Given these circumstances, I am requesting that this matter be formally investigated and prosecuted under applicable banking and consumer-protection laws, as the banks actions demonstrate negligence, unreasonable acceleration of collection activity, and a failure to follow standard regulatory timelines. The consequences I am facing are a direct result of Capital Ones mishandling and lack of compliance, and I am seeking immediate intervention. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I was offered a sign up bonus to open a checking account with First National Bank. The offer consists of a {$300.00} direct deposit reward, and a {$300.00} transaction reward. I met the requirements for the direct deposit award by opening a new XXXX XXXX account online on XXXX, entering the offer code, and making more than {$2500.00} worth of direct deposits ( salary deposits from my employer ) within 90 days. Specifically direct deposits of my salary from my employer of {$1200.00} on XXXX and XXXX. I also used the account for a variety of other general banking purposes making multiple deposits, purchasing treasury bonds, groceries, XXXX XXXX  etc. 

XXXX  doesn't even deny that I met the requirements, only that they don't have a record of sending me the offer in the mail - a detail that is not mentioned in any terms or conditions. See attached. 

I feel like they scammed me into opening an account with the promise of a bonus they had no intention to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-26 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed a Capital One account ending in XXXX because the information being reported on my credit report does not match the information Capital One provided to me in writing. 

Capital One mailed me XXXX letters dated XX/XX/XXXX. In those letters, they stated : They can not provide the original application or contract The account was opened online but they can not provide any digital authentication records ( IP address, identity verification, or e-signature logs ) They can not provide the statements I requested My last payment on the account was XX/XX/XXXX The account was resolved However, my credit report shows completely different information : It is still being reported as a chargeoff/collection It shows an unpaid balance reported as a loss It shows a derogatory payment status It does not reflect the payment Capital One said I made It does not reflect the resolved status they told me in writing These XXXX versions of the account can not both be true. Capital One is reporting information that is inaccurate, contradictory, and unverifiable. 

I specifically requested the contract, statements, and digital proof that I opened this account, and they admitted they do not have it. Furnishing information to the credit bureaus without being able to validate it violates FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), and 611 ( a ) ( 5 ). Under the FCRA, unverifiable or conflicting information must be deleted. 

I am requesting that this account be deleted from all credit reporting agencies since Capital One can not validate it with documentation and the reporting is inconsistent with what they stated in writing. 

I have attached copies of the XXXX letters from Capital One and a screenshot of my credit report showing the conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> @ approximately XXXX, I signed into my Chase mobile app and recognized an unauthorized transfer of funds from my savings account to my checking account in the amount of {$18000.00} XXXX. I then realized an unauthorized wire transfer from my checking account of {$18000.00} to a XXXX XXXX account, in the name of XXXX XXXX, to an account ending in XXXX, in XXXX XXXX, Florida, XXXX. Transaction # XXXX. Routing number XXXX. Funds were withdrawn upon receipt. I immediately contacted the fraud department of Chase bank and received a reference number. After multiple visits to my local branch, I restricted all active accounts, changed account numbers, froze all of my credit reports with XXXX, XXXX, and XXXX. I contacted my local police department and received an incident number. I also contacted the FBI XXXX department and filed a complaint. Upon an investigation by the Chase fraud team, I have been informed that my claim of fraud has been denied, citing their investigation determined my device ( mobile phone ) was utilized during these transactions. Chase claims an OTP ( One Time Passcode ) was sent to my mobile device via text, and I accepted ( or responded affirmatively ) to the wire transfer. I did not authorize any transfer of funds. I did not wire funds to any any account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am being held responsible for a {$470.00} PayPal debt that was created through identity theft. Someone used my name, address, and PayPal account without my permission. I contacted PayPal multiple times, XX/XX/XXXX and told them the activity was unauthorized, but they ignored my reports and did not investigate the fraud. I also had them refund the money back to the person who was uploading money on the account. Instead, they sent the account to a debt collector, XXXX XXXX XXXX XXXX, who is now trying to collect money I do not owe. I never authorized these transactions, and I should not be held responsible for fraud. I am requesting that PayPal remove the fraudulent charges, close the debt collection case, and correct any negative information associated with this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this follow-up regarding XXXX accounts on my credit report that remain inaccurately and inconsistently reported across the three major credit bureaus. The first account, XXXX ending in XXXXXXXX XXXX XXXX XXXX, is reported with differing balances {$11000.00} on Experian and Equifax, and {$13000.00} on TransUnion and inconsistent late payment history ranging from 30 to 120 days in various months, with discrepancies in dates and delinquency periods. The second account, XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as closed on TransUnion and Experian but remains open on Equifax ; its balance is {$0.00} across all bureaus, and the payment history shows occasional 30-day delinquencies that do not match my records. These inconsistencies misrepresent my actual payment history and creditworthiness. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that is inaccurate, incomplete, or unverifiable, and I request a reasonable reinvestigation of these accounts, including verification with the furnishers. Additionally, FCRA 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and FCRA 1681c ( a ) prohibits reporting misleading, incomplete, or inaccurate information.

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 2025-11-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an obsolete account being reported on my credit file. The account from XXXX XXXX XXXX  ( XXXX ) is 7 years and 5 months old, which exceeds the 7-year reporting limit under FCRA Section 605 ( a ). This account should no longer appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA 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