vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one credit card was suddenly closed on XX/XX/year>, and a letter was emailed to me. The only explanation provided by the company was " We are closing this account because Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage. '' The card has not had significant usage in the last few months, and Capital one is not providing any explanation of what the above means.I believe it may have been closed by mistake, but the company is not providing any explanation.I called Capital One, but no explanation was provided beyond the generic reasons in the letter. 

Of note, all my credit card accounts were previously restriced by Capital One fraud team, but were all cleared following me providing all the requested information. I don't know if the closure had something to do with those cases, but if so, this is in error, because those cases were resolved. 

Capital One also effectively took all the points that were earned on this card. There was a balance of XXXX points that i would like to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AL

Complaint narrative:
I was first contacted by this company on XX/XX/year>, after speaking with the supervisor of the local office, who explained this was not my debt. I have never heard of this company and have no idea where they are located. The supervisor gave me instructions on how to file a dispute with the company, with numbers for contact. Called the number I was given and was given instructions to further dispute. Filled out and submitted all info requested by the web portal and by mail. When I called to follow up, they claimed they had not received the information sent to them. Information was sent yet again by both the web portal and the XXXX postal mail. Meanwhile, disputes were added to all XXXX  credit bureaus. After some time received confirmation, it had been deteremine, this debt was NOT mine. However, the information is still showing on all XXXX credit bureaus as my debt. 
I want this removed from my credit reports and file. This is NOT my debt!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Subject : Dispute Review Request Unfair Resolution Dear Support Team, I am writing to formally request a review of a dispute case on my account involving a {$150.00} transaction on XXXX. 

I sold a queen-sized bed through XXXX XXXX XXXX In my listing, I clearly stated the size, provided multiple photos, and included accurate information. The buyer also requested an additional photo via chat before sending me payment through XXXX. After she paid, I marked the listing as sold and withdrew the funds to purchase a new bed myself. 

Later, the buyer claimed she needed a king-sized bed, not a queen. This was not a mistake on my end, as the listing and communications were completely transparent about the beds size. She then disputed the payment with XXXX under the reason of product not delivered. XXXX resolved the case in her favor, refunded her the {$150.00}, and placed a hold on my account. 

This decision is unfair and inaccurate : The product was never undelivered. The buyer simply purchased the wrong size, despite being fully informed beforehand. 
I did not misrepresent the item at any point. 
XXXX dispute category does not properly apply to this situation, as this is a buyers remorse issue, not non-delivery. 

Because of this, I have been penalized for circumstances outside of my control. I respectfully request that XXXX review this case again, remove the hold, and reinstate the {$150.00}. 

I have all the evidence of the original listing, our chat conversation, and proof that the item was accurately described. Please let me know how I can provide these documents for reconsideration. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
I submitted an FTC Identity Theft Report and a police report. Under FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ), the credit bureaus are required to block fraudulent accounts from my credit file within XXXX ( XXXX ) business days. Instead, XXXX, TransUnion, and XXXX  have allowed creditors to submit bank statements and alleged signed contracts as proof, and have reinserted these accounts without notifying me. This violates FCRA XXXX ( a ) ( XXXX ) ( B ), which requires written notice within XXXX ( XXXX ) business days of any reinsertion. 

I was a victim of both the XXXX and XXXX  data XXXX, and XXXX own credit monitoring has documented my compromised information on the dark web. Despite this, the bureaus continue to publish fraudulent accounts. 

Specifically, XXXX XXXX XXXX XXXX : Credit Card : Sent only bank statements, which show transactions but do not prove I opened the account. 
XXXX XXXX : Sent a contract with statements allegedly signed by me. The signature is fraudulent and does not match my handwriting. 

These documents do not establish authorization. Submitting forged or insufficient records as verification violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing the way my account is being reported because it does not comply with Metro-2 reporting guidelines or the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. 
The furnisher is reporting inconsistent and inaccurate information that does not meet Metro-2 standards for uniformity and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> there were two charges to my account that I did not authorize. The company listed for the deduction is XXXX, the deductions were in the amount of {$81.00} and a second transaction of {$250.00} Upon further review, I discovered that XXXX is a realtor or property management company. They do not have a phone number listed. However, I went to Bank of America and explained to them that i did not authorize these charges, I am unfamiliar with this company, and I want this canceled. 

Bank of America has declined.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/year>, a charge of {$7400.00} was posted to my Barclays Bank Delaware credit card from XXXX. XXXX XXXX XXXX XXXX. I did not authorize this transaction, nor did I create an account, participate in an auction, or purchase anything from this company. 

Although the merchant may have used my personal information ( name, phone number, and address ), I never approved this transaction. This suggests that my information was used without my consent possibly due to identity theft. 

I immediately contacted Barclays, and a case was opened ( Case # XXXX ). However, they declined to reverse the charge because the merchant had my identifying information, despite the fact that I never authorized the purchase or received any goods. 

I also contacted XXXX. XXXX XXXX by text asking for transaction details and a refund, but received no resolution. Ive since filed a complaint with the XXXX  Attorney General ( XXXX # XXXX ) and am now filing this complaint with the CFPB because my dispute remains unresolved. 

I am seeking a full refund of the {$7400.00} charged without my authorization.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a text message that appeared to be from Wells Fargo, asking me to confirm whether I had made a transaction ( {$420.00} ) at a XXXX in North Carolina. I replied XXXX, and within XXXX minutes I received a phone call from someone claiming to be a Wells Fargo employee. 

The caller stated my account had been hacked, that scammers had opened an XXXX in my name, and that they wanted to help me recover my funds immediately as I had complained about needing to pay my bills. They instructed me to authorize a transaction, which they said would return {$2100.00} to my Wells Fargo account. Believing this was legitimate, I approved the transaction through XXXX XXXX. 

The scammers also sent me a Wells Fargo verification code, which convinced me further that this was a real Wells Fargo process, as it matched how Wells Fargo had handled fraud with me in the past. 

XXXX days later, I contacted Wells Fargo directly asking if they had mail my new debit card yet. At that time, I was told they had no record of my prior communication, no fraud claim on file, and no knowledge of this situation. That is when I realized the call and transaction were part of a scam. On XX/XX/year> I met with Wells Fargo staff at the XXXX, CA XXXX and they helped me gain access to my online banking and said that I would receive my stolen funds in XXXX  days XXXX. 

On XX/XX/year> I received a letter in the mail from Wells Fargo saying the transaction was authorized and that a processing error did not occur and to please consider my claim closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Altisource Portfolio Solutions, S.à r.l.
State: MO

Complaint narrative:
I was notified on XX/XX/year> of a new XXXX  inquiry on my credit report. The company name is XXXX credit which I guess is a mortgage company - credit union. Their address is XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and the phone number provided is XXXX. I have called this number and left multiple voicemails along with a XXXX search for altisource and XXXX XXXX  and left messages directly there as well with no contact back. 

This is completely fraudulent and I have not completed any credit applications or given any approvals for a XXXX  inquiry to anyone since XXXX of XXXX. 

This is showing on all XXXX credit reporting agencies sites

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Dispute Department : I am writing to formally dispute the accuracy and completeness of the following collection account appearing on my credit report : Creditor / Collector : LVNV Funding LLC ( XXXX XXXX XXXX  XXXX. ) Account Number : XXXX Reported Balance : {$730.00} Original Creditor : XXXX XXXX XXXX  XXXX. 
This account is being reported as a collection by a XXXX-XXXX  debt buyer ( LVNV Funding LLC ). I have no contract, no account, and no relationship with LVNV Funding LLC and have never authorized them to collect on any account in my name. I am not even aware of who LVNV Funding LLC is or how they obtained my personal information. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are required to conduct a reasonable reinvestigation of any disputed information. In accordance with my rights under FCRA XXXX and XXXX, I am requesting the full method of verification for this item, including : The name, address, and telephone number of the original creditor ; A copy of any contract or agreement bearing my signature that LVNV Funding LLC is relying on to claim this debt ; All records, account statements, or other documents used to verify this information. 
Until you can provide competent, documented proof that this account is valid and that LVNV Funding LLC has the legal right to collect or report this debt, the account must be deleted from my credit report. 
Please complete your reinvestigation within the statutory period and provide me with written confirmation of the results. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to the recent notice regarding the permanent limitation placed on my PayPal account. According to your communication, the reason for this action was that you were unable to verify the Social Security XXXX documentation I submitted. 

However, I must clarify that I do not have a XXXX XXXX XXXX XXXX XXXX XXXX, as I am not eligible for XXXX. Instead, I hold an official XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued by the IRS. The documentation I provided was my XXXX, which is a legally recognized XXXX XXXX XXXX in the United States. 

As per IRS and XXXX Treasury guidelines, the XXXX is a valid form of taxpayer identification for individuals who are not eligible for an XXXX. Many XXXX financial institutions accept XXXX  in place of XXXX  for compliance and verification purposes. Therefore, I respectfully request that PayPal also accept my XXXX  as sufficient for identity verification. 

I kindly ask that you reconsider the permanent limitation on my account and complete the verification process based on the valid XXXX documentation I have provided. If you require any additional supporting documents ( such as government-issued photo ID, proof of address, or IRS correspondence XXXX the XXXX  ), I am more than willing to submit them. 

I rely on PayPal for my financial transactions, and I strongly believe that limiting my account on the basis of not having an XXXX  when I have provided an official XXXX is unfair and not in alignment with XXXX regulatory practices. 

Thank you for your prompt review of this matter. I look forward to your response and to resolving this issue as soon as possible.

Company response to consumer: Closed with explanation