vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against capitol one regarding the deceptive practices related to 360 high yield interest savings accounts. Capitol one misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about there superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in saving act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity\nTheft Victim\n\nDear Experian Consumer Services,\nI am writing to follow up on my previous request regarding the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nDaniel Crosby'

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I am disputing the accuracy and verifiability of a tradeline being reported by Yamaha Motor Finance Corp. under account reference XXXXXXXX XXXX XXXX XXXX XXXX. According to XXXX, the account was paid and closed with a {$0.00} balance on XX/XX/year>, and was reported as paid as agreed. However, XXXX, XXXX  and XXXX  continues to display it as Potentially Negative, showing late-payment notations for 2020. This inconsistency has materially harmed my creditworthiness. 

Additionally, when I contacted Yamaha directly, their representative informed me that no such account exists in their system. This indicates that either inaccurate or unverifiable data is being furnished. Despite my formal written disputes, Yamaha has failed to provide chain of custody or documentary verification to justify continued reporting. Furnishing or verifying inaccurate information constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) as well as Florida statutes ( 559.72 FCCPA, 501.204 FDUTPA ).

I am requesting that the CFPB intervene, as Yamaha has not produced any valid documentation supporting the accuracy of this tradeline and continues to allow derogatory data to harm my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing in response to your notification dated XX/XX/XXXX, informing me that my personal information was compromised in a prior data breach. According to your correspondence, the exposure stems from a security breach originally occurring on or around XX/XX/XXXX, in connection with XXXX handling of data from XXXX XXXX 

I am formally disputing the timeliness and adequacy of this notification under California Civil Code 1798.82, which requires businesses that own or license personal information about Californians to notify individuals " in the most expedient time possible and without unreasonable delay '' after discovering a data breach. 

My concerns are as follows : Unreasonable Delay in Notification : The breach in question occurred nearly a decade ago, and was publicly disclosed by XXXX on XX/XX/XXXX. 
Yet I received notice only today, XX/XX/XXXX, which constitutes an unreasonable delay of almost 10 years and appears to violate the timeliness requirement in Section 605B.

Failure to Properly Identify Impact : If XXXX XXXXas aware that my personal information was part of the affected dataset in XXXX ( or reasonably should have been ), then the delay in identifying me as an affected party further suggests a failure in reasonable breach response protocols. 
If XXXX only recently determined that my data was impacted, I request an explanation of how and when this discovery occurred, along with supporting documentation. 
Insufficient Mitigation Offered : Your letter does not specify whether you are offering identity theft protection, credit monitoring, or other remedial support, which is customary in such situations and recommended by law enforcement and consumer protection agencies. 


Therefore, I request the following under California Civil Code 1798.82 : A full explanation for the delay in notifying me of the breach. 
Written confirmation of when you first became aware that my personal information was part of the compromised data set. 
A clear outline of what categories of data were exposed ( e.g., SSN, DOB, drivers license ). 
An offer of identity protection or credit monitoring services for a minimum of 24 months. 
A description of the security measures you have implemented since the breach to prevent similar incidents. 
If I do not receive a satisfactory response within 15 business days, I will consider filing formal complaints with the California Attorney Generals Office, the Federal Trade Commission ( FTC ), and other applicable regulatory bodies. 

Please respond in writing to the address or email above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX Maiden Ct, XXXX, KY, XXXX DEPT OF XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Docket Identifier : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  Attn : Credit Bureau Disputes / Correspondence XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute and Request for Validation of Alleged Account To Whom It May Concern, I am writing to dispute the validity of an account you are reporting and/or attempting to collect in my name. The details of the alleged account are as follows : Creditor XXXX XXXX XXXX Account Number- XXXX This is a formal request for validation and verification of the alleged debt. I dispute the accuracy and completeness of the information you are furnishing. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and where applicable under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide the following : A copy of the original signed contract or application creating the alleged obligation. 
A complete account-level history, including all statements, charges, payments, fees, and interest. 
Documentation establishing XXXXXXXX XXXX legal ownership and right to collect or report this account. 
Chain of title, assignment, or transfer records ( if applicable ). 
Evidence that the information furnished to the credit reporting agencies is accurate, complete, and in compliance with the FCRA. 

If you are unable to produce the above documentation, you must immediately : Cease all collection activities ; and Request deletion of the account from all consumer reporting agencies to which you have reported it. 
Please treat this letter as a formal dispute of this account. I request your full response within 30 days of receipt, as required under applicable federal law. Failure to comply may result in legal action to enforce my rights under the FCRA, FDCPA, and any other applicable statutes. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Subject : Complaint Against Capital One Mishandling of Dispute ( Case No. XXXX ) Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Capital Ones mishandling of a dispute I filed under the Fair Credit Billing Act ( FCBA ). 

On XX/XX/year>, I attended an event hosted byXX/XX/XXXXfor which I was charged {$540.00}. The services promised ( a XXXXXX/XX/XXXXXXXX ) were never provided, despite my arriving on time as confirmed by time-stamped photographs, ticket confirmations, and emails to the organizer immediately following the event. 

I filed a dispute with Capital One within the timeframes allowed by the FCBA. However, Capital One denied my dispute, incorrectly stating that : I arrived late and therefore did not receive services ( which is contradicted by my evidence ). 

My dispute was filed too late and therefore could not be considered ( which is factually and legally incorrect ). 

I appealed their denial and provided additional evidence, including : Time-stamped photographs from the venue showing arrival before the scheduled start time. 

Booking confirmation and tickets showing promised services. 

Email to the organizer on XX/XX/year> documenting that services were not delivered. 

Despite this, Capital One refused to reconsider and reiterated that the timeframe for filing had expired, which is untrue. I complied with the requirements of the FCBA, and their failure to properly investigate or resolve this dispute has caused me financial harm.

I am requesting that the CFPB review this matter and take appropriate action to ensure Capital One : Reopens my dispute, Properly considers the evidence submitted, and Provides the protections guaranteed under the Fair Credit Billing Act. 

Please find attached copies of my dispute filings, denial letters, and supporting evidence. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

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 2025-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
I reached out to the company cash app for wrongful accusing for fraud they didnt explain why my account was closed just straight up said hey you went against our policy not stating the policy rules or anything just straight up closing it customer support I called they said oh explain what you use your account for and I explained it to them I had that cash app for years and had friends and family send me money over the years for them to close it like that and make it seem like Im doing something illegal is wrongfully assuming and accusing and it goes against our rights as a consumer they job is to at least tell why my account was closed but they failed at that as well just saying fraud when I never did fraud in the day of my life this ban happened on XX/XX/year> i reached out the same day was told they would send me email right away didnt get that I called the same day got nothing from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
account was reporting wrong information and inaccurate information in my credit report affecting my credit score, account was sold for less to a debt collector that never sent the XXXX day notification validated the right to dispute the debt and excisable charge with it. I intent to dispute and ask my creditor for the validation package and to validated the Macy 's account ending in XXXX with the proper ownership and bill of sale. I am currently making payment to a charged off account and receive letter from a Debt collector at the same time. I asked many time for verification of the Debt. I make payment to Macys account ( Prove include ). Never received validation package, last statement,1099 C form. 
A creditor failing to notify me when it supplies negative credit information. 
A user of credit information ( prospective employer or lender ) failing to notify me of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. 
A creditor failing to provide your credit score if it was used as part of any credit decision. 
A creditor failing to notify you of your right to obtain a free credit report.

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 2025-08-22 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:
My information was leaked in a couple data breaches one with XXXXXXXX XXXX  and another with XXXX XXXX. I have multiple accounts on my report that I have no clue what they are or where they came from. These people even filed taxes in my name fraudulently

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