vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-08-19 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: NC

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : Capital One closed my account with a remaining balance of approximately {$9000.00}. I was told by Capital One that after account closure, the remaining funds would be sent back to me. It has now been over two months, and I still have not received my money. 

Details : My account was closed by Capital One. 
Capital One representatives told me the remaining balance of ~ {$9000.00} would be mailed back to me. 
It has been more than two months since closure, and I have not received the funds. 
Each time I call Capital One, I am told that my account is under investigation, but no one can explain why, and no timeline is given. 
The original issue was related to a wire transfer I received. The funds came from my cousins wife, but I believed they came directly from him when I first explained the transaction to Capital One. This created confusion, but regardless, these are my legitimate funds, and Capital One has acknowledged the account balance exists. 

Why Im filing this complaint : Capital One is unlawfully withholding my account balance for more than two months with no explanation and no communication. I have received no written notice or updates. I am entitled to my funds, and their refusal to release them is causing me significant financial hardship and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I am formally disputing the accuracy of entries associated with unapproved accounts on my credit report. I request an exhaustive review and prompt removal. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MI

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 2025-08-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My Experian credit report also contains several inaccurate and unverifiable items : XXXX / APP of Alabama XXXX XXXX ( Acct # XXXX * * ) * * This {$1600.00} collection has re-aged dates, extending the reporting period beyond whats allowed under 15 U.S.C. 1681c ( a ) ( 45 ). 
XXXX XXXX XXXX Alabama XXXX XXXX XXXX ( Acct # XXXX ) * * A {$2000.00} medical collection is listed without proper XXXX validation. This violates XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX. 
Personal Information Experian is reporting old and inaccurate addresses ( XXXX XXXX XXXX, XXXX AL XXXX, and XXXX XXXX XXXX, XXXX AL XXXX ). These must be deleted as they are not current identifiers. 
Unauthorized Inquiries Experian is reporting inquiries from XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX CO XXXX XX/XX/XXXX XXXX XXXX and OneMain ( XX/XX/XXXX XXXX. I never authorized these inquiries, violating 15 U.S.C. 1681b ( c ).

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 2025-08-19 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX Deer Pass, XXXX XXXX TX XXXX TransUnion, Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX Please update my personal information. I am providing identification and a phone bill to support my accurate information. I should only have XXXX address which is XXXX XXXX XXXX XXXX, TX XXXX, My name should be XXXX XXXX ( no middle name ) Remove fraudulent addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FCRA LAW | Written By : XXXX XXXX XXXX XXXX IDENTIFICATION IS ATTACHED BELOW )

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a credit card with capital one and the intrreat rates are extremely high. I requested XXXX benefita to atleast lower the XXXX and get my moneys worth and nothing has been done. I provided proof as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a car back on XX/XX/XXXX of 2023. The terms of the purchase was XXXX down payment and first payment due in XXXX XXXX, the car was used and financed through Fulton Bank. I purchased the car on a XXXX  and the following XXXX  went to Fulton bank to stop the payment of the car to the dealership because I knew I was returning the car ; as the car had electrical problems and many other issues. And I knew that the loan had not been processed as of yet, as a matter of fact, the loan had not been paid to the dealership until XXXX the XXXX. When I went to the bank I was able to meet with a bank manager by the name of XXXX XXXX, who agreed to help me, I then gave him my account number but he was unable to find the account in the computer so he called the Loan Department. We spoke with a woman named XXXX, she took our information and we waited for her to talk to her manager but she never got back to us so we took her info and called her back later in the day. At that time XXXX told me to return the car to the dealership, and I did. XXXX XXXX, the sales person took the keys and told me to give him the license plate. The bank sold the car and put a charge off on my credit report after they first told me to take the car back to the dealership and the car had not been paid for by the bank at the time of me taking the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX Deer Pass, XXXX XXXX TX XXXX TransUnion, Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX Please update my personal information. I am providing identification and a phone bill to support my accurate information. I should only have XXXX address which is XXXX XXXX XXXX XXXX, TX XXXX, My name should be XXXX XXXX ( no middle name ) Remove fraudulent addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FCRA LAW | Written By : XXXX XXXX XXXX XXXX IDENTIFICATION IS ATTACHED BELOW )

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 2025-08-19 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:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX Deer Pass, XXXX XXXX TX XXXX TransUnion, Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX Please update my personal information. I am providing identification and a phone bill to support my accurate information. I should only have XXXX address which is XXXX XXXX XXXX XXXX, TX XXXX, My name should be XXXX XXXX ( no middle name ) Remove fraudulent addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FCRA LAW | Written By : XXXX XXXX XXXX XXXX IDENTIFICATION IS ATTACHED BELOW )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This morning I noticed that inaccurate accounts appeared on my credit report, and I dont understand why. I reviewed my report as I usually do, but this time I found unexpected discrepancies. I even refreshed my browser to check if it was just a glitch, but the errors remained. Since the inaccurate accounts were not removed, I am requesting that the documents Ive submitted be carefully reviewed so that I wont have to worry about this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This morning, I found inaccurate accounts on my credit report and I can not understand why they are there. While reviewing my report, I noticed errors that suddenly appeared out of nowhere. I attempted to refresh my browser, thinking it might be a simple glitch, but the inaccuracies did not go away. Because of this, I am requesting a full review of the documents Ive sent so that I can finally have peace of mind regarding this matter.

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 2025-08-19 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: OH

Complaint narrative:
XXXX XXXX : XXXX XXXX Account Number : Not Provided This account is being reported as a charge-off/collection, which I dispute as inaccurate and unverifiable. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of a... Your previous response of verified as accurate without providing documentation or a detailed description of your verification procedure is wholly inadequate and a violation of my rights under federal law. A mere confirmation from the furnisher of information does not meet the standard of a reasonable reinvestigation required by law.

I demand the following : 1. A full description of the procedure used to verify this account, as required by 15 U.S.C.

1681i ( a ) ( 7 ).

2. The name, address, and telephone number of each entity and individual you contacted to verify the information.

3. Copies of all documentation provided by the furnisher that you relied upon in your verification process.

If you are unable to provide this documentation and evidence, you must immediately delete this account from my credit file, as it can not be considered verified.

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 2025-08-19 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 am disputing an account being reported by Transunion under the name " XXXX XXXX '' I have never had any account, service, or relationship with XXXX XXXX. This debt does not belong to me. I have sent written disputes to both XXXX XXXX and Transunion on XXXX separate occasions, requesting documentation and proof that this account is mine. In every case, I either received no response or vague, evasive replies that failed to provide any supporting evidence. At no point have I been presented with documentation linking me to this alleged debt. As further proof that this account is inaccurate, both Equifax and Experian have already removed it from my credit report after reviewing my dispute. Transunion, however, continues to report this invalid account, causing damage to my credit history.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I tried to make a payment of {$110.00} to my capital one credit card and it ended up being a returned payment because I forgot to move the money from my savings to my checking account. While this is my error I had no idea that this would result in an account closure even though I made the payment even after I realized I didnt make the payment correctly. I feel like this shouldnt be the case when I have no delinquencies and always make my payments on time. 
This happened on XX/XX/2025. Capital one says there is nothing they can do about it and I have to re apply to get a new credit card instead of re opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MI

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 2025-08-18 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: CA

Complaint narrative:
My credit report has been accessed by companies through applications that were made in my name without my knowledge or consent. I do not recognize these fraudulent inquiries, nor did I authorize them. I previously contacted Experian, and a representative assured me that these inquiries would be deleted ; however, they are still appearing on my credit report. This ongoing issue is creating unnecessary stress and harm.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX claimed I opened up card but this is inaccurate. I asked for a validation of debt & they were unable to provide me record. They also are reporting diffferent balances on my credit report

Company response to consumer: Closed with explanation