vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: CO

Complaint narrative:
Purchased tickets using the Capital One entertainment portal & I selected Do not apply my rewards to activate the credit card option. Entered the exact credit card they requested ( website specified what the last 4 digits were to ensure I was using my venture X card ) and then after submitting my purchase and a day later when I was looking at my capital one banking app, it stated it charged the purchase to my miles.

Key problem : On their purchase confirmation, it stated Payment
method # # # # ( with the # being the last four of my credit card I submit ) which gave feedback to myself that I should be charged to that card.

Additionally, I was told Capital One can not do anything as I had a step in the process to review the purchase. The reviewing step has unclear information as a statement such as Payment method to customers would and should be synonymous to swiping my card at a store for a purchase, not redeeming miles.

My issue qualifies for correction because the transaction was processed in a manner inconsistent with what I selected. The Terms specify under Pricing Errors that Capital One/Vivid Seats may cancel or correct orders that were submitted with incorrect or unintended pricing or tender, and under All Sales Are Final this applies unless the error is attributable to the site itself. Additionally, the Terms require that orders be fulfilled exactly as authorized by the customer, consistent with the Buyer Guarantee that promises accuracy in the transaction and proper delivery of what was ordered. Since I expressly selected not to use miles and the system still applied them due to a UX or processing error, this falls under a site-caused transaction error, and the order should be corrected or canceled in accordance with those sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MN

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 explanation
Consumer complaint received 2025-11-24 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:
I am filing this complaint regarding a collection account that continues to be reported inaccurately and without proper verification, despite my previous disputes with the credit bureaus and the collection agency. 
This is my third dispute XX/XX/year> regarding this same collection account. I previously disputed it on XX/XX/year> and XX/XX/year> with the credit bureaus and the collection agency, requesting a complete investigation and proper validation of the debt. 
Importantly, this collection account was previously deleted from my credit report after a prior dispute. However, it was later reinserted on my credit file without any proper notice to me and without any new, lawful verification or documentation. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), information that has been deleted as a result of a dispute can not simply be reinserted unless the furnisher certifies that the information is complete and accurate and the credit bureau provides notice of the reinsertion to the consumer within 5 business days. None of these legal requirements were followed in my case.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the debt collector is required to provide proper validation of the debt upon request, including the amount of the debt, the name of the original creditor, and proof that they have the legal right to collect. They have not provided any original contract bearing my signature, any itemized statement, or proof of assignment/ownership of the alleged debt.

Additionally, under the FCRA, 15 U.S.C. 1681i, the credit bureaus and furnishers must conduct a reasonable investigation when a consumer disputes information, and under 15 U.S.C. 1681s-2 ( b ), the furnisher must correct or delete inaccurate or unverifiable information after being notified of a dispute. That has not been done in this case.

As a result, this reinserted collection account is illegally back on my credit reports, continues to damage my credit, and negatively affects my access to credit, housing, and other financial opportunities, despite clear federal protections. I am requesting that the CFPB review this matter, as I have already tried to resolve it directly with the company and through the credit bureaus in good faith, and they are ignoring federal law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
A company named Southwest Credit Systems is trying to collect a debt of {$450.00}. I dont know where this is coming from. This has now affected my credit score and I would like an investigation as to why this is and I would like it to be removed from my credit report. This is identity theft and was unauthorized by me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-24 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: IN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, an unauthorized transaction of {$1400.00} was made at XXXX XXXX XXXX # XXXX in XXXX, Fl, according to my bank statements. I discovered this transaction a few days later when my bank alerted me about four charges at XXXX. Upon reviewind my account, I found this additional unauthorized charge. 
I contacted the bank to report that my card had not been lost and that I never shared my PIN with anyone. Despite this, the bank only refunded the XXXX transactions, clamaing the PIN had been used. I requested to speak with a XXXX, who upheld the desicion without conducting any investigation, even though they were surprised by the unusually high amount for a store of this type. 
The bank never provided information about further avenues for dispute, which is why I delayed submitting this complaint until now, after learning about this option through the CFPB. I also attempted to resolve the matter directly with XXXX XXXX XXXX on three occasions, where staff were surprised by the amount and state it was impossible that the transaction occurred there. 
I reported the case to the local police ; however, I never received contact from the assigned detective despite leaving messages. People in my circle told me that debit card disputes are not handled like credit card disputes, which felt unjust, as I trust financial institutions to protect my funds. 
I recently learned about Regulation E ( 12 CFR 1005 ) and a submitting this complaint to request an investigation into the unautorized transaction and the inadequate response by both the bank and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-24 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: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX I received 3 different text messages from Sofi Bank providing an OTP to complete an online transaction. I checked my XXXX transactions immediately, I had none for this date. I didnt forward the code, or authorize the transactions. I still got charged for them. The amount was for XXXX. This occurred in my personal checking account I contacted Sofi to dispute the charge. They claimed they never had record of any texts being sent. I sent a screenshot of the text messages to prove that they were sent. 

I have also included a screenshot of my XXXX transactions to Sofi, verifying that I didnt make that transaction. They denied my request to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lost my wallet and became a victim of identity theft while I was abroad recently. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me so kindly remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
Started received rude phone calls from National Commercial Services back in either XXXX or XX/XX/year> stating I owed {$20000.00} and they were reaching out on behalf of a company called XXXX XXXX XXXX. I dismissed the call as spam as I have never interacted with a company called XXXX XXXX XXXX or had any recollection or receiving anything from them, and if I owed them {$20000.00} I would have expected to know about it. I started receiving letters from National Commercial Services demanding I paid the amount and if not they would pursue legal action. After receiving a few letters I sent a debt verification letter via certified mail to their address requesting proof that I owed the debt and they were authorized to collect it. I did not receive any response to my letter but I received another letter from them again demanding I pay the amount, with no response to my debt validation letter. Last week I received a letter ( non-certified ) claiming to be from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX stating they intend to take legal action to collect the debt. I still have not received any details on the debt other than stating it was from XXXX XXXX XXXX. There is nothing on my credit regarding this, and I have not received anything certified from this company. I have also never been to California where this company resides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I noticed that my credit score dropped because Hyundai Motor Finance reported a {$1000.00} balance that I never knew existed. My lease ended months earlier and I received no bill, no statement, no email, and no notice of any kind about any remaining balance. I checked my mail regularly during that period and never received a single communication from Hyundai. I am also unable to login to my Hyundai finance account to pay it.

The charge appeared on my credit report without warning and without any prior attempt by Hyundai to contact me. I reviewed my account history and found no record of any outstanding amount at the time the lease ended. I was never informed of any final charges related to the lease return, and no itemized explanation was provided. 

Because Hyundai never notified me, I had no opportunity to review the charge, dispute it, or pay it before they reported it as negative credit activity. This unexpected report immediately lowered my credit score.

I contacted Hyundai to request an explanation of the charge, copies of any billing statements they claim were sent, and proof that any notice was ever mailed. I have not received any response or documentation.

I am requesting that Hyundai provide proof that this charge is valid, show when and where any notice was sent, explain why no communication was made before reporting it, and correct the credit reporting if they can not verify that proper notice was given.

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 2025-11-24 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: NV

Complaint narrative:
I am disputing the following accounts, inquiries, and late payments because they appear incorrect or do not match my records. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXXXXXX XX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXXXXXX XX/XX/XXXX {$570.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} UNAUTHORIZED COLLECTION XXXX XX/XX/XXXX {$460.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 requesting TransUnion to investigate and remove all inaccurate or unverifiable items listed below. Due to previous data breaches, these accounts and inquiries may not belong to me or contain incorrect reporting details. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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: GA

Complaint narrative:
As a consumer, I am requesting a full investigation into the accuracy and completeness of the information being reported on my credit file. I am disputing the accounts listed below because they contain inaccuracies, incomplete reporting, or information that can not be properly verified. Please review each item, conduct a reasonable investigation as required under the FCRA, and update or delete any information that can not be verified. 

XXXX for Experian I am disputing the following accounts and late payment entries because they contain inaccuracies or unverifiable information. I am requesting a full reinvestigation and correction or deletion of all items listed. 

Charged Off Accounts XXXX XXXX XXXX, XXXX XX/XX/year>, {$2000.00} Inquiries ( No inquiries to dispute at this time. ) Positive Accounts ( None listed. ) Late Payments XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( multiple late payment entries ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple entries )

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 2025-11-24 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: MI

Complaint narrative:
I am a consumer working to fix my credit. I am requesting a full reinvestigation of the items listed below. These accounts and inquiries appear inaccurate, unverifiable, and/or inconsistent across the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), any item that can not be fully verified must be removed. 
CHARGED-OFF ACCOUNTS XXXX XXXXXXXX XX/XX/XXXX {$1300.00} INQUIRIES XXXX XX/XX/XXXX LATE PAYMENTS XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief