vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Acct number ending in XXXX I am requesting for the creditor to delete the Credit Tradeline off of the credit reports due to multiple FCRA violations they have reported.

The account is paid in full!

According to the FCRA a creditor can REMOVE an ( accurate negative tradeline ) from your credit report before the seven-year mark!!!

The Fair Credit Reporting Act ( FCRA ) requires that creditors report ONLY accurate information, AND not that they must keep it on your record for the entire seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, chime allowed someone access to my account who then used it to purchase crypto currency through XXXX XXXX They never contacted me and I had alerts set on my account. The amount taken was XXXX. I have been dealing with this since then, trying to get my money back. I provided proof that I have no XXXX XXXX account via chat that I had with XXXX. I also provided proof of no apple XXXX account which they stated the charge originated from .. they keep denying the claim. I am not awaiting a police report, so I can again dispute once again. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am unable to log into their website. 
Every time I try I get this error : " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-30 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  TransUnion

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 2025-10-30 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I must unequivocally stress that this complaint is no mistake my credit report is tainted with false and entirely inaccurate information that fails to achieve even 100 % accuracy. This erroneous data is inflicting undue stress and negatively impacting me in profound and unacceptable ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> we were alerted by email that our business checking account from Bank of america had fraud detection. 
We contacted bank of america they advised to call tomorrow as the department was closed. 

We called Monday morning and was told to go to a branch and show proof of identity because BOA had to verify our identity. 

We went to the bank and the advisor wasn't able to help instead she called BOA customer service fraud department from her office where we spoke to them over the phone.

The manager had told us our account was closed and they can not disclose why my account was closed. 

We were stunned to hear this and even though we kept asking they denied us an explanation. So we left it at that and left the branch. 

I called the bank again and asked them to give me all my money that was in the account and they told me that they have to process the closer but they will escalate the matter. 

On XX/XX/year> they sent the request and got a respond back from the escalation team they are reviewing and it will take XXXX business days. I called again later and was told my account is still under review and will be closed XX/XX/XXXX I called XX/XX/XXXX they told me its not closed yet and still need time. 
I had told BOA I need my funds released as they are illegally holding my money causing me delay in payments to my obligations and bills for my business. They kept denying my funds and all they tell me is to wait and wait and wait another XXXX business days then XXXX. Everytime I call them after the given time they have still not done their job. 

If they are closing my account. They have no right to hold my money. That is my property. Because of them holding my funds I am late on my bills and payments which have caused me to be late and accrued fees due to negligence of BOA not doing their job in a timely manner. 

All I want is my account to be closed and they give me my money. But they keep holding my money. 

They have me a new date XX/XX/XXXX but as they stated it is ONLY AN ESTIMATED and not guaranteed. 
So what should I do??? I should wait 1 month + to get my money back because they choose to close my account and delay my funds. 

My business is at risk due to payments I need my money released. They are illegally holding my money!

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 monetary relief
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple inaccurate or unverifiable charged-off accounts and duplicate listings. I am requesting that Experian verify the accuracy of each item and remove any that can not be fully validated with proper documentation. 

Charged-Off Accounts in Dispute : XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX entries ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates XXXX Various balances ( {$0.00} {$940.00} ) XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$7300.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX multiple accounts ( XXXX, XXXX, XXXX, XXXX ) XXXX {$530.00} {$980.00} XXXX XXXX XXXX multiple accounts XXXX {$2000.00} / {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  multiple accounts XXXX {$420.00} {$800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XX/XX/XXXX {$6700.00} XXXX XXXX SER XXXX XX/XX/XXXX {$450.00} XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} Inquiry to Verify : XXXX  XXXX XXXX  XX/XX/XXXX Late Payment XXXX in Question : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am asking Experian to verify all accounts and inquiries directly with the original creditors and provide documentation. Any items that can not be verified should be removed immediately under FCRA 611.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am filing this complaint because my TransUnion credit report is reflecting inaccurate and/or outdated accounts that should be verified or deleted. Many of these items are duplicates or appear to be reported differently than on other bureaus. 

Disputed accounts include : XXXX Acct : XXXX Reported XX/XX/XXXX {$0.00} XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX {$320.00} XXXX  XXXX  Acct : XXXX Reported XX/XX/XXXX {$980.00} XXXX  Acct : XXXX XXXX Reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX {$830.00} XXXX XXXX Acct : XXXX Reported XX/XX/XXXX {$1100.00} XXXX XXXX Acct : XXXX Reported XX/XX/XXXX {$630.00} XXXX XXXX Acct : XXXX Reported XX/XX/XXXX {$0.00} XXXX Acct : XXXX Reported XX/XX/XXXX {$2200.00} XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX {$620.00} XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX {$450.00} XXXX Acct : XXXX Reported XX/XX/XXXX {$710.00} XXXX  Acct : XXXX Reported XX/XX/XXXX {$940.00} XXXX XXXX Acct : XXXX Reported XX/XX/XXXX {$240.00} Additionally, I see an inquiry that I do not recall authorizing : XXXX XX/XX/XXXX And one late payment item that appears to be inaccurate : XXXX  XXXX Acct : XXXX I am requesting that TransUnion conduct a full reinvestigation and delete any unverifiable or inaccurate information in compliance with FCRA 611.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding an issue with XXXX XXXX XXXX  ( XXXX  ) that has affected my account. On XX/XX/year>, I noticed inaccurate or unfair information being reported to XXXX XXXX XXXX that negatively impacted my banking experience. 

After discovering the issue, I immediately contacted Capital One customer service to dispute the report and request clarification about the information shared with XXXX. The representative acknowledged my concern and stated that a review would be initiated to verify the accuracy of the data. I also contacted XXXX XXXX XXXX directly to file a dispute and request that they investigate and correct any errors in their records. 

Despite these actions, the matter has not yet been resolved, and I am requesting that Capital One conduct a full review of the reporting made to XXXX XXXX XXXX and provide a written response confirming the outcome. 

Please treat this as a formal complaint under your dispute resolution process. I would appreciate confirmation that this issue is being investigated and an estimated timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
XX/XX/XXXX Zwicker and associates P.c/XXXX XXXX! 
Lawsuit filed! 
Unable to properly serve me! 
Unfair debt practice! 
No attempts made to handle this situation just took it to court! 
15 USA. 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-30 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: TX

Complaint narrative:
XXXX. Full disclosure of the exact method of verification used in your reinvestigation. 
NOTICE OF IMMEDIATE LEGAL ACTION : Your failure to comply will result in the following, WITHOUT FURTHER NOTICE : I will pursue civil litigation seeking $ XXXX per violation under 15 U.S.C. 1681n and 15 U.S.C. 1681o, along with actual and punitive damages, and recovery of legal fees. 

Formal complaints will be filed IMMEDIATELY with the CFPB, FTC, and State Attorney General in your jurisdiction. 

I will escalate this matter to national media outlets and consumer watchdog organizations to expose your continued abuse of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$650.00} XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$620.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief