vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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:
Subject : Dispute of Charged Off Accounts I am disputing several charged-off accounts that are inaccurately reported on my Equifax credit report. Below are the details of the accounts in dispute : XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$990.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1100.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$47000.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$14000.00} XXXX  Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$590.00} XXXX  XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$150.00} XXXX  XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$390.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In early XX/XX/year>, I rented a car from XXXX XXXX XXXX  from XX/XX/year> through XX/XX/year>. During the rental, my Capital One checking account was charged a total of {$500.00} in deposit amounts related to this rental. After the trip ended, I was then charged an additional {$470.00}. I was only supposed to be charged a single final amount of {$470.00} for the rental, and the deposit funds should have been adjusted or refunded. Instead, I was charged both the {$500.00} in deposits and the {$470.00} final charge, resulting in total charges XXXX for XXXX rental. 

I contacted XXXX XXXX XXXX  to dispute these overlapping charges and requested that the difference between the {$500.00} and the {$470.00} be refunded. XXXX refused to refund me. I then filed a dispute/fraud claim with my bank, Capital One, and provided the information they requested about the rental period and the specific charges. On XX/XX/year>, Capital One denied my claim related to these XXXX XXXX XXXX charges. On that same date, XX/XX/year>, I submitted an appeal of their denial. 

At the time of this dispute and appeal, my account with Capital One was in good standing. On XX/XX/year>, with the account still in good standing, I chose to close the account. I closed the account with a XXXX balance and no overdraft, and I understood that the account was fully closed at that point. 

Despite the account being closed, Capital One later reopened this closed account on XX/XX/year>, citing the prior fraud/dispute activity. When I contacted Capital One, they stated that they have the right under their terms and conditions to reopen my closed account, even though my claim had not been fully resolved or reduced in my favor. The reopening of this previously closed account has resulted in a negative balance/overdraft and fees tied to a dispute that I believe was mishandled in the first place. 

I did not authorize Capital One to reopen my closed account, and I did not authorize any new activity on the account after XX/XX/year>. I am requesting that Capital One : ( XXXX ) permanently close this account again, ( XXXX ) remove all overdraft, fees, and any negative balance that resulted from reopening the closed account on or around XX/XX/year>, ( XXXX ) properly correct/credit my account for the improper double charging related to the {$500.00} deposits and the {$470.00} final charge from XXXX XXXX XXXX XXXX and ( 4 ) ensure that no negative information from this situation is reported to XXXX, credit bureaus, or any other reporting agency. 

I am asking the CFPB to review both Capital Ones handling of my dispute with XXXX XXXX XXXX and their practice of reopening my closed deposit account and creating a negative balance/fees without my consent, and to help obtain a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have sent several letters to this company to cease and desist under the Fair Debt Collection Practices Act, and this company continues to email me, send me letters. 
I have even sent them a letter from my attorney ( letter of correspondence ) to have them contact the lawyers instead of me but they still keep sending me multiple letters, over XXXX emails a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 disputing the following accounts and inquiries listed under my TransUnion credit report. Please ensure that the information is reviewed and corrected if necessary. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} BANKRUPTCY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-25 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-25 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: VA

Complaint narrative:
I am filing a dispute regarding the following accounts that I believe to contain inaccuracies. The details of these accounts are listed below, separated by bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payment Accounts : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This year I tried to apply for XXXX ( social security XXXX benefits ) and was denied twice. Social security informed me I was denied because I have a Bank account with Bank Of America with over {$17000.00} in my account. I have never had a Bank of America account in the past or present. When I investigated this matter further with the bank, Bank of America informed me that account is indeed not mine but someone else opened that account using my social security number. This account holder also has the same name as me, they used my social security number to open a Bank of America account to move funds around. When social security pulls banking information, they automatically get this Bank of America account info since it is associated with my social security number. Ive been a victim of social security fraud and would like to file a formal complaint against this account holder and get my information removed and see which credit reporting sites are using this account for my info. I opened a Bank of America account last week to prove there are XXXX different account holders with the same social security number. I need help with filing this complaint and finally receiving my social security XXXX benefits because I am unemployed and 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 2025-11-25 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: MO

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing this complaint because my vehicle was declared a total loss and taken by XXXX XXXX XXXX but the insurance company never paid off my auto loan with Honda Financial Services XXXX As a result, Honda Financial has reported XXXX late payments to my credit, causing a drop of over XXXX points, even though I no longer have the vehicle and the insurance company should have settled the account months ago. 

Timeline of Events : XX/XX/year> : My vehicle was in an accident and I immediately filed a total loss claim with XXXX ( Claim # XXXX ). 
Approx. XX/XX/year> : Adjuster inspected the vehicle. 
XX/XX/year> : Vehicle dropped off at XXXX XXXXXXXX XXXX for inspection. 
Approximately XXXX XXXX XXXX  : XXXX XXXX XXXX my vehicle from the collision center and sent it to the salvage yard. 
XXXX declared the vehicle a total loss and took full possession of it. 
To this day, Honda Financial has not received a settlement payoff from XXXX XXXX 
Honda Financial is still reporting XXXX  days past due, with a remaining balance of {$1800.00}, even though the vehicle is gone and should have been paid off. 
This has directly caused severe credit damage and ongoing financial harm. 
I am requesting the CFPB to investigate both XXXX XXXX and Honda Financial for improper handling of a total loss settlement, failure to pay the lienholder, and inaccurate credit reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am formally disputing a collection account that has been reported on my credit file by Transworld Systems Inc in the amount of {$200.00}. I am demanding an immediate investigation and deletion under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to multiple violations I NEVER received any written notice from the original creditor or from Transworld Systems Inc. 

This violates FDCPA 809 ( a ), which requires a debt collector to issue written notice within 5 days of first contact. 
I received no letter, no validation notice, and no communication of any kind, yet the account was reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( EQ ) 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 submitting a dispute for the following accounts on my credit report. Please investigate and ensure that all information is accurate and updated. Below are the accounts in dispute, separated by credit bureau : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Account Number : 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 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
I am the primary insurance holder. My wife received medical care related to childbirth last year. XXXX XXXX and my insurance company billed the claim incorrectly by using the wrong medical codes. Because of that coding error, the charges were processed incorrectly and I was billed more than my out-of-pocket maximum. 

I reported the error to both XXXX XXXX and the insurance company. They told me they would investigate and get back to me, but they did not follow up. I continued asking for updates, and the dispute was still active. 

While the dispute was open, XXXX XXXX sent the balance to collections. I immediately notified both the medical office and the insurance company that the amount was incorrect and requested that the account be corrected and pulled back from collections. They refused. 

In XX/XX/2025, XXXX XXXX admitted the amount was wrong and that the billing was their mistake. Even after admitting the error, they still have not adjusted the balance or recalled the collections account. This has caused unnecessary stress and potential credit harm, even though the bill is based on incorrect coding. 

I am requesting help to correct the billing, ensure my out-of-pocket maximum is honored, and remove the improper collections activity from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AR

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Issue : Chase Bank closed my account without explanation and is withholding my funds. 

Details : I opened a new checking account with Chase approximately one week ago. I received a text message and an email from Chase asking me to call to verify my account. When I called, the representative informed me that Chase had permanently closed my account and that I am no longer a customer.

I was not given any explanation or specific reason for this closure. I have never engaged in any fraudulent or suspicious activity. Immediately after this, I was locked out of my online banking and can not access any of my funds. Chase has not provided a timeline for when my balance will be released or mailed to me. 

This sudden closure has put me in an extremely difficult financial situation. I currently have no access to my own money, can not pay upcoming bills, and do not have gas for transportation. I have attempted to resolve this directly with Chase, but I am not being given answers or access to my funds. 



This account closure has caused immediate and severe financial hardship. I am unable to pay essential bills that are due now, including transportation costs, utilities, and daily living expenses. I currently have no access to my own money, no gas in my car, and no alternative funds available. Chases decision to lock me out of my account without warning has placed me in a crisis situation, and I urgently need access to my funds to meet basic needs and maintain financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccuracies in my Experian credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), Section 609. I request that the following accounts be reviewed and corrected : Disputed Accounts : XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$230.00} Issue : The account is inaccurately marked as " Open, '' and no payment history is recorded. It should be reflected as " Closed, '' and this is in violation of the FCRA 's accuracy requirement. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$960.00} Issue : The account is incorrectly reported as " Open '' instead of " Paid '' or " Settled. '' The reporting of this account violates the FCRAs requirement for accurate reporting of account status.

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