vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am submitting this complaint to report Capital Ones failure to comply with the Fair Credit Reporting Act regarding an account that is the result of identity theft. This was not a request for debt validation ; it was a demand for blocking and deletion pursuant to FCRA 605B.

I submitted a valid FTC Identity Theft Report along with current government-issued identification and proof of address. Despite receipt of this documentation, Capital One failed to block or delete the account and continues furnishing the information to consumer reporting agencies.

Capital One did not produce any evidence that I applied for or authorized the account, including a signed application, authentication records, or other proof of authorization. Instead, Capital One relied on outdated address associations, including a Missouri address that I have not resided at since XXXX, while disregarding my current verified address, where I have resided since XXXX. Capital One also claims it could not locate mailed correspondence, yet no response was ever sent to my current verified address. 

Additionally, a separate national card issuer, XXXX XXXX XXXX, confirmed in writing that it could not locate any application or account in my name, further supporting my identity theft claim and highlighting the inadequacy of Capital Ones investigation.

I fulfilled all requirements under the FCRA. Capital One failed to conduct a reasonable investigation and failed to comply with its obligations under FCRA 605B and 1681s-2 ( b ). I am requesting immediate deletion of the account from all consumer reporting agencies and cessation of furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
Dear XXXX, I am writing to file a formal dispute regarding certain items on my credit reports with Equifax, XXXX, and XXXX. Below are the details of the disputed accounts and inquiries : Charged Off Accounts : XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to dispute the following accounts that are currently reported on my credit file. I believe that the accounts listed below contain inaccurate or incomplete information, and I respectfully request that the credit bureaus investigate and correct these discrepancies. 

Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX - Account Number : XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
These are not my Inquiries. I did not authorize nor did I ask for the report to be pulled. In Conjunction with the TransUnion Dada Breach these must be deleted immediately!!! Pursuant to 15USC 1681eb Maximum Possible Accuracy and 15 USC 1681b - permissible purposes all 3 bureaus are in violation and subject to {$1000.00} per inaccuracy to which I am requesting deletion and a sum of {$2500.00} per bureau for deliberate reporting of inaccuracies after being contacted. This has caused financial harm and distress and if not resolved I will be contacting a civil law attorney for punitive damages as well. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-16 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: FL

Complaint narrative:
These are not my Inquiries. I did not authorize nor did I ask for the report to be pulled. In Conjunction with the TransUnion Dada Breach these must be deleted immediately!!! Pursuant to 15USC 1681eb Maximum Possible Accuracy and 15 USC 1681b - permissible purposes all 3 bureaus are in violation and subject to {$1000.00} per inaccuracy to which I am requesting deletion and a sum of {$2500.00} per bureau for deliberate reporting of inaccuracies after being contacted. This has caused financial harm and distress and if not resolved I will be contacting a civil law attorney for punitive damages as well. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On reviewing my credit report, I noticed several collection accounts and negative items that I do not recognize or for which I have not received proper documentation. I have disputed these accounts with the credit bureaus and requested full validation from each reporting creditor or collection agency, including : A detailed itemization of the debt ( amounts, dates, charges, fees, and interest ). 
A copy of any original contract or agreement bearing my signature. 
Proof that the collection agency or reporting creditor is legally authorized to collect or report these debts. 
Verification that the accounts and reported amounts are accurate and actually belong to me. 

Despite my requests, I have not received the required documentation or sufficient validation for any of these accounts. The companies involved continue to report these debts to the credit bureaus, resulting in ongoing negative marks and significant harm to my credit profile. 

I am requesting that the CFPB require the companies and credit bureaus to provide full validationincluding all original documentation and proof of authorization for each debtor immediately remove these accounts and all related negative reporting from my credit file until proper validation is provided, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
my name is XXXX XXXX on XX/XX/XXXX someone open a bank account under my name with Santander XXXX and at that time i wasn't in USA i was in XXXX and the bank allowed that to happened and aim a victim of theft and i visited the bank hopping to get any information from them but when i told them aim not the one who open that account they refused to give me any information i vested the second day one of the customer service call the back office and also they refused to give me anything because aim trying to make police report but the bank isn't helping to give any document and they giving me hard time and also the bank close that account and they refused to provide me with any information so now aim trying to take my legal right against the bank also aim requesting written confirmation of the account closure and documentation stating that aim not responsible for any transaction or obligation related to this account my contact number is 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 2025-12-16 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: MS

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 2025-12-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. The information listed does not accurately reflect my current credit situation and requires investigation. 

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX I Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Inc associated with XXXX XXXX XXXX and XXXX XXXX account number ( XXXX XXXX ). This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax Inc has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Please assess the provided content ; the inquiries were sent with no notice and may lack 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 explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These accounts are incorrect and I request that they be thoroughly investigated. 

CHARGED OFF CREDIT COLL Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$860.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$11000.00}

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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One holds business bank accounts and credit cards I share with other individuals. We all have access. Capital One bought the Kohls credit card. 

I want a separate sign-on for my kohls credit card. In the event my information is stolen, I do not want a person with access to my Kohls credit card information to have access to my bank accounts. 

Capital One will not give me a separate log-in, nor will they protect my bank accounts in the case of identity theft. It is not safe to have a credit card linked to the same sign-on as my bank accounts. 

In sheer frustration over months of trying to get a separate on-line account, I finally gave in and Capital One changed my password and access to the accounts Already held with others. 

Single sign-on with one password to access my bank account, credit cards and other items violates every rule of protection advised- such as using different usernames and passwords. 

I do not agree with single sign-on and without on-line access, I can not manage my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
Even though the balance was satisfied, my report continues to show late payments.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'I am unable to access my Experian account due to repeated login and identity verification failures. I have entered my correct personal information, including date of birth and Social Security number, yet Experians automated system states that my information does not match their records.\n\nI have attempted to contact Experian to fix login issues preventing me from accessing my credit report.\n\nI am locked out of access via all available platforms. Human support is inaccessible.\n    o  Online - XXXX XXXX\n    o  Phone - XXXX XXXX XXXX          XXXX XXXX XXXX XXXX\n\nAutomated verification incorrectly rejects: \n    o  Correct SSN/DOB\n    o  Correct login credentials (username & password)\n    o  Correct phone number\n    o  Correct zip code'

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 2025-12-16 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: PA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible 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 non-monetary relief