vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I authorized a XXXX payment in the amount of {$1000.00} through my Capital One checking account to XXXX XXXX XXXX for specific business services that were promised but never rendered. The payment was sent via XXXX as directed by the business and was successfully delivered. 

After payment was sent, the agreed services were not provided and no refund was issued despite multiple follow-up attempts. 

I contacted Capital One and filed a dispute under services not rendered/misrepresentation. The dispute was initially denied without Capital One requesting supporting documentation from me or providing a clear explanation of how the determination was made. 

After escalation, Capital One reopened the case and requested that I submit documentation supporting my claim, which I have provided. I am submitting this complaint due to concerns regarding the adequacy and consistency of Capital Ones dispute investigation process for XXXX transactions involving services not rendered, and I am requesting a fair reconsideration and a clear written explanation of the final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, a charge for {$420.00} from merchant XXXX posted to my Chase credit card account ending XXXX. 
I timely notified Chase of this billing error and filed multiple disputes, providing all requested documentation and evidence demonstrating that the charge was improper. Despite this, Chase repeatedly denied my disputes, stating that it relied solely on the merchants assertion that the charge was valid. 
Chase failed to conduct a reasonable and good-faith investigation, as required by Regulation Z ( 12 C.F.R. 1026.13 ). Chase disregarded my evidence and did not independently evaluate the facts of the dispute.

Significantly, the merchant later acknowledged that the charge was improper by issuing a partial refund and a voucher. This merchant action directly contradicted Chases repeated denials and demonstrated that Chases investigation was incomplete and unreasonable.

Despite the merchants concession, Chase did not promptly issue a permanent credit and instead required direct merchant intervention to resolve the matter. Chase also removed temporary credits previously applied during the dispute process, causing additional financial inconvenience and uncertainty. 
On XX/XX/scrub>XXXX XXXX XXXX I sent a formal written demand letter to JPMorgan Chase Bank , N.A . via certified mail ( XXXX XXXX ). The letter detailed Chases violations of TILA and Regulation Z, requested statutory damages, reimbursement of fees and interest, and correction of my account, and provided a 30-day deadline for response.

Chase failed to respond, acknowledge, or resolve this demand letter within the stated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

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 XXXX XXXX XXXX XXXX Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following accounts : 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 These accounts are in violation of Section 807 ( misleading reporting ) and must be fully investigated. If the information can not be verified with proper documentation from the original creditor, it must be deleted. These furnishers also violated 15 U.S.C. 1692g by failing to notify me in writing within 5 days. I never received any required notice.

As the consumer, only I can validate whether a debt is mine. I do not validate any of these debts. These fraudulent accounts have also generated unauthorized hard inquiries and invalid collection activity on my credit report. All accounts, collections, and inquiries listed are the direct result of identity theft. 

I have attached my FTC Identity Theft Report as proof that all of the above items are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Midwest Fidelity Services, LLC
State: MO

Complaint narrative:
Company is collecting on debt they refused to validate, I asked for the original agency address and was unable to provide it then they disconnected on me. I called back and asked them to cease and desist calling me and he refused to acknowledge and hung on me. He told me his name was ... XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: ME

Complaint narrative:
On XX/XX/XXXX we went to our credit union, XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, to refinance our truck loan we had with M & T bank in MD. We dealt with XXXX XXXX. He sent out the check to M & T bank. We started paying XXXX in XXXX for that loan. We had recieved a statement from M & T bank but it wasn't showing as paid off. So I, XXXX XXXX, called them. I asked why it wasn't paid off because we refinanced. I was told they never received the check. So. I called XXXX. He checked into it. He said they had to stop pmt on the check because M & T didn't cash it. So I called M & T again. I was told maybe he sent it to the wrong address since they have several. I got the address and sent to XXXX. He sent them another check after he called them to verify the address. In the meantime we recieved a check from M & T bank as a reimbursement of the GAP plan on the truck. WE deposited it on XXXX XXXX XXXX Then almost every day we started getting messages and emails and calls from M & T bank. Every time we called they got mad because when speaking to XXXX he got a little upset with them not telling us what was going on. They would hang up or transfer him to someone else and they would immediately hang up. We went to see XXXX again on XXXX XXXXXXXX XXXX This time he decided to stop the check again and gave me a paper check to send out over night mail. That way we would know they got it. Sure enough M & T bank calls. My husband said Do you check your mail because the check was sent. They hung up. He talked to them at XXXX. I checked the tracking on the check. They received it that day XXXX XXXX. So I called them. I told them they got the check and what time and who signed for it. I was told they deposited the check on XX/XX/XXXX. The woman said it would take 5 days to wait and make sure XXXX did not cancel it. I said. Well they wont unless you sit on it like the other two. She said we didnt. The account number was not on the checks so we returned them. No. I asked about it. XXXX lost several points on our credit scores. Over XXXX points and every day it goes down. I asked it they would correct the credit and she said no its not their fault. I worked hard to increase my scores and now both of us are real low. This is not right.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inquiries on my credit report that I did not authorize or recognize and request their prompt removal.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The credit reporting agency marked the disputed items as verified, however it failed to disclose the Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act.

No written description of the verification procedures, no identification of the furnisher ( s ), no court records ( for bankruptcy reporting ), and no documentation relied upon were provided. Boilerplate responses, internal system confirmations, or consumer-facing app updates do not satisfy the statutory requirement to disclose how verification was conducted.

I submitted a formal Method of Verification request and the credit reporting agency either failed to respond or provided an insufficient response that did not meet FCRA standards. This constitutes a failure to conduct and disclose a reasonable investigation under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 7 ).

Continued reporting of the disputed information without proper disclosure and court-supported verification ( for public records ) violates the FCRAs requirement for maximum possible accuracy.

I am requesting that the CFPB require the credit reporting agency to either : 1. Provide full written disclosure of the Method of Verification as required by law, or 2. Delete or correct the disputed items immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-12-22 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: AR

Complaint narrative:
The credit reporting agency marked the disputed items as verified, however it failed to disclose the Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act.

No written description of the verification procedures, no identification of the furnisher ( s ), no court records ( for bankruptcy reporting ), and no documentation relied upon were provided. Boilerplate responses, internal system confirmations, or consumer-facing app updates do not satisfy the statutory requirement to disclose how verification was conducted.

I submitted a formal Method of Verification request and the credit reporting agency either failed to respond or provided an insufficient response that did not meet FCRA standards. This constitutes a failure to conduct and disclose a reasonable investigation under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 7 ).

Continued reporting of the disputed information without proper disclosure and court-supported verification ( for public records ) violates the FCRAs requirement for maximum possible accuracy.

I am requesting that the CFPB require the credit reporting agency to either : 1. Provide full written disclosure of the Method of Verification as required by law, or 2. Delete or correct the disputed items immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am disputing multiple inaccurate, unverifiable, and in some cases duplicate accounts being reported on my credit report. Several of these accounts were previously disputed, yet they remain on my report without any proper validation, method of verification, or evidence of a lawful reinvestigation. 

The credit reporting company has failed to ensure the maximum possible accuracy of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ). Some accounts contain contradictory information ( such as reporting paidXXXX % paid while also showing a past-due balance ), incorrect account details, duplicate reporting under the same account number, or accounts that I did not open.

I have requested a full reinvestigation and the Method of Verification ( MOV ) for these accounts. To date, no documentation such as signed contracts, itemized statements, proof of ownership, or lawful authority to report has been provided.

I am requesting that the CFPB require the credit reporting company to conduct a lawful reinvestigation, delete any account that can not be fully verified, correct inaccurate personal information, and provide me with a corrected 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 2025-12-22 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: GA

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

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

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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