vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-30 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: CA

Complaint narrative:
XX/XX/year> - I applied and was approved for the Capital One Spark Business XXXX card with a {$2000.00} bonus after {$30000.00} in spend. 

XX/XX/year> I used the card to make an estimated tax payment through XXXX. Initially the charge was declined and my account was restricted due to suspected fraud. 

So I called Capital One to provide some requested documents. They were reviewed by the fraud department, and after review, Capital One lifted the restriction and allowed me to re-attempt the charge.

I placed the charge again, and the account was again marked restricted and the charge showed as pending. I called again, provided all necessary documents requested ( many of which had already been requested previously ), and the charge was authorized. 

XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> Since then, the account has remained in a restricted status and I am unable to access the rewards I have earned. Capital One continues to demand I resubmit the very same proof that was already provided before the charge could be authorized in the first place. 

Despite dozens of calls and uploading documents requested, Capital One has been giving me the run-around and refusing to remove the restriction on my account. 

I can not simply reverse the charges from the vendor as XXXX  does not allow that, and even if they did, it would come with a huge dishonored check penalty from the IRS. So now I've out nearly {$700.00} dollars on an annual fee and credit card surcharges from XXXX  to earn a bonus that I already qualified for but am being unjustly denied.

If Capital One * truly * believed there was fraud, they should not have authorized over {$30000.00} of charges and allowed them to go through in the first place. Allowing those charges to go through, forcing me to pay credit card fees from XXXX & an annual fee from Capital One, and THEN locking the account/ rewards for " fraud '' is just blatant abuse in an effort to deny rewards bonuses earned. 

Since my experience began, I've started researching Capital One, and you can read dozens upon dozens of similar accounts for both checking & credit card products where the bank abuses the guise of " fraud '' to deny bonuses from customers. It's a blatant bait & switch and deceptive marketing. Unfortunately, I can't recommend banking with them and would strongly encourage you look elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
SPRING OAKS CAPITAL XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This is a direct response to the companys explanation, not a duplicate complaint. RentDebt Automated Collections attached a lease agreement and a final account statement from their client, XXXX XXXX XXXX XXXX. Neither of these documents demonstrate that I ever authorized RDAC to obtain, store, or report my personal identifying information. The company admits it is acting with permission from its client, but has not shown where I, the consumer, provided permission or signed any clause transferring my rights to RDAC. The Fair Credit Reporting Act requires that all information furnished to consumer reporting agencies be accurate, complete, and verifiable. Without proof of my consent, this reporting is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX does not legally own the debt they are reporting in my Equifax consumer report as stated in my Equifax Consumer statement, which is a direct violation of the FDCPA 15 USC 1692 ( 807 ) ( 2 ) a. In addition, this account has been reporting more than allowed by the FCRA. XXXX  and XXXX  have deleted this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-30 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have reviewed my credit report and I noticed inaccurate information. I am really worried about understanding why this account and wrong information are reported on my credit account. 

I do not recognize this debt with Credit Coll ( Original Creditor:XXXX XXXX ) {$300.00}. I trust you are sending me a correct credit report once this investigation is complete. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have filed many complaints and will continue to do so until this issue is fixed with my bank. Someone stole my cellphone and issues it to hack into my bank account in which they made several illegal cash advances withdrawals. As soon as i was notified of this illegal fraudulent transactions I called the bank but the transactions already processed. The bank refuses to refund the amount that was stolen out of my account.

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 2025-09-30 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
a fraudulent check was deposited into my account without my consent, now they put me in XXXX XXXX so i sent them a complaint and they took me off, but then early warning services put me in their system for the same thing that i just got removed so if feel like their playing games with me. Attached i have made my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-09-30 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the continued and unlawful reporting of fraudulent account information on my credit report, specifically in relation to identity theft, which has been documented and substantiated through official channels.

Identity Theft Dispute History : Round 1 Dispute : Submitted on XX/XX/, including a full police report and identity theft affidavit. 
Round 2 Dispute : Escalated on XX/XX/, with a formal demand for removal of the fraudulent item. 
Round 3 Dispute : This communication serves as my final demand, as the furnisher has failed to act in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes.

Fraudulent Account Still Being Reported : Creditor : XXXX XXXX and XXXX XXXX  Status : Identity theft confirmed via police report Despite multiple disputes and legal documentation proving that this account is the result of identity theft, XXXX XXXX and XXXX XXXX  continues to report this account on my credit file, which is a direct violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that : XXXX XXXX XXXX Bank permanently deletes the fraudulent account from all consumer reporting agencies. 
Any other furnishers ( if applicable ) cease reporting fraudulent data and correct their records. 
My rights under the FCRA and related statutes are upheld. 
This matter has caused continued and unnecessary harm to my credit profile, despite my efforts to resolve it through all appropriate legal and administrative channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, the amount of {$2600.00} was withdrawn from my account from three separate transactions. Three different people had access to my account. The names are XXXX XXXX transferred {$730.00} out of my account at XXXX XXXX. I was denied my claim. XXXX XXXX from XXXX XXXX  withdraw {$1400.00} from my account at XXXX XXXX. And XXXX XXXX  withdrawal {$380.00} at XXXXXXXX XXXXfrom out of my account. I have disputed these transactions over five times and was denied. I have called every day starting from XX/XX/XXXX with these claims and was denied. I showed proof of my account been hacked into and I showed proof of unauthorized transactions and chime will not give me my money back. Chime has been giving me the runaround. I have spoken to over 8 different people and I have called every day! Today I called today is XX/XX/year>. I called and was hung up by a manager named XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MA

Complaint narrative:
On XX/XX/year>, I filed CFPB Complaint # XXXX against TransUnion for unlawfully reporting medical-related credit activity. Although TransUnion has since removed most of the disputed items, they continue to illegally report a XXXX XXXX  account that was used exclusively for medical-related expensesincluding emergency prescriptions and treatment. 

This is not a gray area. The CFPBs Final Rule ( issued XX/XX/year>, effective XX/XX/year>XXXX  ) categorically bans the reporting of medical debt or any medical-related financing activity on consumer credit reports. By leaving this account on my file, TransUnion is in direct violation of federal law. 

XXXX XX/XX/year>XXXX  response was not only outside the 30-day reinvestigation window mandated by FCRA 1681i ( a ) ( 1 ) ( A ), but it also attempted to justify the continued reporting of information that is flat-out prohibited. As of XX/XX/year>, the XXXX XXXX  account remains, despite its classification as medical-related credit activity that can not, under any circumstance, be included in a consumer credit file. 

This ongoing reporting is completely illegal. It violates the CFPBs Final Rule, as well as multiple sections of the Fair Credit Reporting Act, including 1681c ( a ) ( 6 ), 1681b ( c ), and 1681i ( a ). By knowingly maintaining a prohibited account on my report, TransUnion is engaging in willful or, at minimum, grossly negligent noncompliance under FCRA 1681n and 1681o.

TransUnion has no excuse, no loophole, and no legal authority to continue reporting this account. Their conduct is unlawful, harmful, and indefensible.

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 2025-09-30 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief