vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I AM FILLING THIS COMPLAINT BECAUSE MY IDENTITY WAS USED WITHOUT MY PERMISSION TO OPEN THIS ACCOUNT WITH RELIANT ENERGY RETAIL SERVICE.I LEARNED THAT TRANSWORD SYSTEMS INC. IS ATTEMPTING TO COLLECT A BALANCE OF XXXX FOR THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$310.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$420.00} XXXX  # XXXX XX/XX/XXXX -- {$280.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, a business associate/ friend transferred {$10000.00} into my Capital One account. Shortly thereafter, Capital One froze the funds, stating they needed to verify that the transfer was legitimate. Capital One contacted the sender directly, and my friend confirmed that they were the XXXX who initiated the transfer. 

Despite this confirmation, on XX/XX/XXXX, Capital One closed my account, citing that the activity was " inconsistent with typical customer account usage. '' However, Capital One chose to retain the funds in question, even though the transfer had been verified as legitimate. 
I contacted Capital One MANY times, requesting either the release of the funds or their return to the sender. Each time, I was told that they were conducting an indefinite investigation and would not return the funds to either myself or the sender! This response persisted despite repeated assurances that the funds were rightfully sent to me and that they were either mine or the senders funds
..

Over the past two and a half months, neither I nor my friend have been contacted by Capital One regarding the status of the funds or the investigation. Every time I reached out, I was told that there was nothing further that could be done and that the funds would be held indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report reflects unauthorized hard inquiries that I did not approve or authorize. I previously disputed these inquiries directly with TransUnion but they failed to remove or properly verify them as required under the Fair Credit Reporting Act ( FCRA ).

Under FCRA Section 604 ( a ) ( 2 ), a hard inquiry may only appear on a consumers credit file if I have given express permission for the creditor to access my report in connection with a credit application. I have never applied for credit with the companies listed below, nor have I provided consent for these inquiries.

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 2025-11-06 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: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Oportun Attn : Member Experience Credit Disputes Re : XXXXXXXX XXXX XXXX XXXXXXXX Request for Reinvestigation Under FCRA 623 Dear XXXX XXXX, Thank you for your response regarding the account reporting previously disputed. I respectfully dispute the continued reporting of this account and request a formal reinvestigation pursuant to FCRA 623 ( a ) ( 8 ), as the current reporting does not meet the accuracy requirements under the Fair Credit Reporting Act. 
Your internal records confirm the Date of First Delinquency ( DOFD ) to be in early 2022. However, the tradeline being furnished to the credit reporting agencies does not reflect this DOFD accurately and appears to result in re-aging of the account, which is prohibited under 15 U.S.C. 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 2 ).

To ensure compliance with the FCRA and Metro 2 reporting standards, I request the following corrective actions : - Update the DOFD to the correct month of first missed payment ( early 2022 ). 
- Ensure the charge-off aging and reporting timeline are anchored to this DOFD.

- Ensure the Oportun tradeline continues to reflect a {$0.00} balance after the sale to XXXX XXXX XXXX, and that no delinquency months are reported beyond the sale date. 
Please provide written confirmation of updates made, or documentation supporting the precise Metro 2 coding currently being reported, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I appreciate your cooperation in resolving this matter and ensuring the accuracy of information being furnished to consumer reporting agencies. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am submitting this complaint because several accounts and inquiries appearing on my TransUnion credit report are being reported inaccurately and are causing harm to my credit profile. The following accounts have been reported with false late payment histories : XXXX XXXX XXXX * *, opened on XX/XX/XXXX with a balance of {$65000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$2800.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$7600.00}. * * All of these accounts are showing late payments that are completely inaccurate. I have never made any late payments on these accounts, and the information being reported is misleading, damaging, and in violation of the Fair Credit Reporting Act ( FCRA ) which requires that consumer information be reported with maximum possible accuracy. 

In addition to the false payment history, my report also shows several unauthorized hard inquiries that I never approved or initiated. These include XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I did not apply for any credit or authorize these companies to access my credit file. These inquiries are unauthorized and represent a violation of my privacy rights under the FCRA. 

I have disputed these inaccuracies with TransUnion, but the information remains on my credit report without proper verification or correction. These ongoing errors have negatively affected my credit reputation and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full review of this matter and ensure that TransUnion and the furnishers of this information comply with the Fair Credit Reporting Act by correcting or removing all inaccurate and unauthorized information from my credit file immediately.

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 2025-11-06 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: TX

Complaint narrative:
In 2024, I disputed approximately {$150000.00} in fraudulent charges on my Chase credit card made by a merchant called XXXX XXXX. After a lengthy review, a Chase representative contacted me directly on a recorded line in XX/XX/2024 and confirmed that my disputes were fully resolved permanently in my favor. This was guaranteed with 100 % confidence by the Chase representative, who explained the full process of how they recovered the funds, in full, and that this nightmare was all over.

Chase explicitly stated that the balance had been removed, the merchant funds were successfully retrieved, and that the case was closed in my favor, permanently. I was assured multiple times that I owed nothing further and that no negative credit impact would occur.

Later, Chase attempted to reverse this position without reasonable explanation, reinstated the debt, and began reporting the account as delinquent, causing severe credit damage, emotional distress, and financial hardship.

I have repeatedly contacted Chases XXXX XXXX, provided proof that the merchant canceled all contracts and delivered no goods or services, and yet I even offered a good-faith settlement of {$10000.00} * * to resolve this matter directly. Chase has refused to engage, instead issuing form letters denying responsibility and ignoring its own recorded statements and guarantees. I continue to be harassed by Chase messages threatening damage to my long-term credit.

I am requesting that the CFPB require Chase to : XXXX. * * Provide the internal recording or transcript * * of the XX/XX/2024 call confirming resolution in my favor. 
XXXX. * * Correct my credit reports * * to remove all derogatory entries related to this account. 
XXXX. * * Formally close this debt * * consistent with Chases prior determination and assurances. 

This is a case of clear misrepresentation and bad-faith handling of a resolved fraud dispute that Chase itself confirmed as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I was informed of my debt XX/XX/XXXX and told the debt collector on the phone that I did not know of the debt and would be applying for financial assistance. I was not informed that my debt would not be on hold. On XX/XX/XXXX, my debt was sent to collections according to a billing agent from XXXX on per a phone discussion XX/XX/XXXX. On XX/XX/XXXX, I was informed that my financial assistance was approved. On XX/XX/XXXX, I was informed that a part of my debt was sent to collections. Due to XXXX XXXX improper bill handling a legacy bill was not consolidated into my overall debt. This amount did not have the financial assistance applied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-06 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On my credit report, it shows that I have an open mortgage payment of {$28000.00}, which was initiated on XX/XX/year>, with PHH Mortgage Services, and that the payment is currently deferred. I do not have any mortgage payments with this company, as I am unfamiliar with them and have never established any transactions or dealings with them.

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 2025-11-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX  XX/XX/XXXX -- {$310.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$420.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$18000.00} XXXX  # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing a complaint against JPMCB Auto for inaccurate and inconsistent reporting on my credit file. The account shows as a repossession with a XXXX balance, yet the payment history reflects multiple late payments that may not be accurate or verifiable. The reporting appears inconsistent across the bureaus, showing different numbers of late payments and conflicting statuses such as current, past due, and XXXX balance. 

I have previously disputed this information through the credit bureaus, but JPMCB Auto continues to verify the same data without providing any documentation to support its accuracy. This failure to properly investigate or validate the reporting violates the Fair Credit Reporting Act and creates misleading information that negatively affects my creditworthiness.icting statuses such as current, past due, and XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. 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 XXXX XXXX.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 XXXX. 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my 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 2025-11-06 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: OH

Complaint narrative:
Consumer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Subject : Inaccurate Name Variations and Obsolete Addresses Reported in Violation of FCRA 611 and CFPB XXXX XXXX To the Consumer Financial Protection Bureau : I am filing this complaint because Experian, Equifax, and TransUnion are reporting incorrect name spellings and obsolete addresses that are not mine. These inaccurate identifiers cause confusion with unrelated accounts and violate the accuracy requirements of 15 U.S.C. 1681e ( b ) and XXXX. The incorrect items appearing in my reports : Names : XXXX RIGHT XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, University XXXX, OH XXXX My correct and verified information is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX These incorrect identifiers are not associated with any current or verifiable account I maintain. XXXX XXXX XXXX Section XXXX ( Base Segment Consumer Identification Fields ) and CFPB XXXX XXXX XXXX, each CRA must ensure maximum possible accuracy in the consumer identification data. I request that the CFPB require each credit bureau to : XXXX. Re-investigate and delete all inaccurate name and address variations, XXXX. Update my credit file to reflect only my correct legal name and current address, XXXX. Provide written confirmation and an updated copy of my credit file, and XXXX. Identify the furnishers or data sources that verified these errors. These errors affect my ability to maintain accurate credit reporting and XXXX create identity-mixing risks. Please ensure these CRAs comply with FCRA XXXX and XXXX XXXX data-integrity obligations. 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