vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am honestly very upset to see that the unauthorized inquiries are still present on my credit report as of this morning. They were not removed even after I refreshed the browser, which makes me really worried. Please resolve this issue right away and double-check all the documents Ive provided so I can finally stop stressing over it.

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 2025-09-29 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: NV

Complaint narrative:
My credit card with XXXX XXXX payment is due every XXXX of the month ; it is reported to creditors three days after the due date. On the XXXXXXXX XXXX XXXXXXXX, I paid the balance of the card.On the XXXX, I got an alert from Experian saying my credit has dropped because I went over the credit limit and my score dropped by XXXX points. This is not the first time something like this has happened. Before my score dropped by XXXX points, and I didn't see why in my account, so I gave them a call and they gave me the runaround, saying they weren't seeing it either but my score dropped.

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 2025-09-29 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, Re : Student Loan Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the reporting of late payments ( 90120 days ) on the above-referenced student loan account. These delinquencies were reported during a period in which I was directly impacted by a FEMA-declared disaster.

Under the Higher Education Relief Opportunities for Students ( HEROES ) Act of 2003 and the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), student loan servicers and furnishers of information are required to ensure accurate reporting and provide disaster relief accommodations when borrowers are affected by federally declared emergencies.

According to FEMA Disaster Declaration No. [ insert number if available ], my area was officially recognized as a disaster zone during the time of the alleged delinquency. Federal guidelines state that borrowers in FEMA-declared disaster areas are eligible for forbearance or deferment, and adverse credit reporting should not occur for payments missed as a direct result of the disaster. 

Because of this, the reported late marks are inaccurate and in violation of : FCRA 1681e ( b ) : obligation to ensure maximum possible accuracy.

HEROES Act / Higher Education Act provisions : providing relief from adverse credit actions during federally declared disasters.

Metro 2 guidelines : which require accounts affected by natural disasters to be reported with a special compliance condition code ( AW Affected by natural or declared disaster ) rather than delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, Re : Student Loan Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the reporting of late payments ( 90120 days ) on the above-referenced student loan account. These delinquencies were reported during a period in which I was directly impacted by a FEMA-declared disaster.

Under the Higher Education Relief Opportunities for Students ( HEROES ) Act of 2003 and the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), student loan servicers and furnishers of information are required to ensure accurate reporting and provide disaster relief accommodations when borrowers are affected by federally declared emergencies.

According to FEMA Disaster Declaration No. [ insert number if available ], my area was officially recognized as a disaster zone during the time of the alleged delinquency. Federal guidelines state that borrowers in FEMA-declared disaster areas are eligible for forbearance or deferment, and adverse credit reporting should not occur for payments missed as a direct result of the disaster. 

Because of this, the reported late marks are inaccurate and in violation of : FCRA 1681e ( b ) : obligation to ensure maximum possible accuracy. 

HEROES Act / Higher Education Act provisions : providing relief from adverse credit actions during federally declared disasters.

Metro 2 guidelines : which require accounts affected by natural disasters to be reported with a special compliance condition code ( AW Affected by natural or declared disaster ) rather than delinquent.

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 2025-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated to see that the unauthorized inquiries are still appearing on my credit report today. Despite refreshing and rechecking, they have not been removed, which is very upsetting. I need this issue resolved immediately and ask that all my submitted documents be carefully reviewed so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-29 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-29 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: TX

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this as a continuation of my prior complaints with CFPB : Complaint ID # XXXX Complaint ID # XXXX Despite those filings, the issues remain unresolved, and Capital Ones handling of my accounts demonstrates unfair and deceptive practices that fall squarely within UDAAP.

Key Facts : My accounts ending in XXXX ( Quicksilver ) and XXXX ( Savor ) were closed by Capital One on XX/XX/year>, without prior notice.

At the time of closure, I had accumulated cashback rewards that Capital One initially refused to release, claiming rewards are forfeited once an account is closed. Only after CFPB intervention did they issue a check for {$610.00}, which I deposited.

However, Capital One then deposited an additional {$380.00} of rewards into account XXXX - the very account they had already closed - together with an existing balance of {$53.00}, leaving a total of {$440.00} trapped in a closed account that I can not access.

This is a paradoxical and unreasonable action : Capital One acknowledges I am entitled to the funds, yet places them in an account I can not use, effectively withholding my money.

Why this is Unfair and Deceptive : 1. Unfair - Closing accounts with outstanding rewards and balances without providing a reasonable redemption window deprives customers of money rightfully earned.

2. Deceptive - Informing me rewards are forfeited, then later releasing some only after regulatory pressure, shows inconsistent and misleading practices.

3. Abusive - By depositing funds into a closed account, Capital One knowingly created a situation where I can not access what is mine, exploiting their position to retain consumer funds.

This matter is not just about my case. The practice of denying consumers access to rewards and balances upon account closure, then inconsistently applying exceptions, reflects a systemic
UDAAP violation. I request CFPB take enforcement action to ensure Capital One is held accountable and required to implement fair and transparent practices.

Supporting documents attached : copy of the issued check for {$610.00}, and screenshot from the Capital One app showing {$440.00} balance in closed account XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED BANKSHARES, INC.
State: NC

Complaint narrative:
I wrote a check for {$1300.00} to XXXX XXXX XXXX on XXXX XXXX when my bank processed the check it was processed as {$13000.00} on XX/XX/XXXX and I have been without funds all weekend. I called the customer service line on Saturday the XXXX and they explained that no one on staff could fix the error until Monday the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-09-29 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
Im deeply concerned that these inaccurate accounts are still appearing on my credit report, even after all this time. They should have been taken off by now. Im begging for the attached documents to be carefully reviewed so I can finally have peace of mind and stop living with this constant worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing in regard to a Capital One account that was previously deleted from my credit reports after being identified as fraudulent. Recently, I discovered that this same account has been reinserted onto my credit file by the credit reporting agencies.

been reinserted onto my credit file by the credit reporting agencies.

As the furnisher of information, you are required under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, to report accurate information only. If you certified this account for reinsertion, I am demanding that you provide me with all documentation you relied upon to validate the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
I scammed by a chime impersonator and my entire social security check was stolen. They impersonated my financial institution and even sent text messages saying there was a fraudulent transaction. When i contacted my bank letting them know what took place and filed a dispute. They denied my dispute and wont help me recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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