vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-07-25 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am unaware of this debt account XXXX and did not have an opportunity to dispute this account. If you believe that you have provided proper notification, please provide 'Certified Mail ' with a receipt showing my signature. If not, please delete account XXXX from my report as soon as possible, or I will have to take legal action.

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 2025-07-25 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-07-25 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am submitting this letter as an official consumer complaint and legal request for immediate intervention regarding multiple fraudulent accounts and unauthorized credit inquiries that are currently damaging my credit report and financial standing. Ive attached a detailed dispute letter which has already been submitted to XXXX, citing multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Accounts fraudulently opened in my name, without my consent or knowledge Credit inquiries made without permissible purpose or legal authorization Repeated violations of FCRA 1681c-2, 1681i, and 604 ( a ) ( 2 ) Lack of timely response and failure to block false data under FCRA 605B Let me be clearI am the victim of identity theft and deceptive business practices. I have not only disputed these items directly with the credit bureau but am now escalating this matter to the CFPB because my rights under federal law are being ignored, and my financial reputation is being put at risk. Here 's What I'm Requesting from the CFPB : Immediate investigation into XXXX XXXX handling of my dispute, including whether they are in compliance with the required timelines and procedures set forth under the FCRA. Assistance in enforcing removal of the fraudulent accounts and inquiries Ive clearly identified in the attached documentation. Confirmation that the CFPB has logged this complaint, initiated contact with XXXX, and is monitoring the resolution of this dispute in line with federal guidelines. The accounts and inquiries on my report were : Not authorized Not initiated by me And in some cases, opened due to misleading or deceptive advertising practices I have the right to accurate and fair reporting. I also have the right to be protected from abuse of my credit file. If a consumer reporting agency fails to take lawful action, it becomes your jurisdiction to step in and hold them accountable. I urge your office to review the attached dispute letter in full, investigate the issues raised, and hold XXXX  accountable if they fail to comply with their federal obligations. Im not asking for favorsIm demanding justice under the law. Please confirm receipt of this complaint and notify me of all updates regarding your investigation. I am prepared to provide further documentation as needed. 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Issue : I was charged twice for a single {$30.00} XXXX transaction due to a mishandled dispute filed without my consent. 

Timeline : XX/XX/XXXX : I attempted to make a {$30.00} XXXX payment, but it failed due to insufficient funds in my Capital One checking account. 
XX/XX/XXXX : I added funds to my Capital One account in preparation for the retry. 
XX/XX/XXXX : Capital One shows a {$30.00} payment to XXXX. 
XX/XX/XXXX : XXXX reversed that payment and credited {$30.00} back to my Capital One account. 
XX/XX/XXXX : I called both XXXX and Capital One. XXXX told me to wait a day ; meanwhile, Capital One filed a dispute without my consent or request. I specifically told them I did not want to file a dispute. 
XX/XX/XXXX : I contacted both companies again. XXXX said the {$30.00} charge had been re-applied because of the dispute, and my balance now showed {$60.00} due. Capital One confirmed they filed the dispute and said it could not be reversed. 
XX/XX/XXXX : I paid {$30.00} again to XXXX and contacted both companies. I am still being held responsible for the original charge and the dispute, which I never authorized. 

Result : I was charged {$30.00} twice for the same failed XXXX payment. 
XXXX froze my account. 
Capital One created a dispute without my consent, causing a duplicate charge and a financial loss. 

What I want : A reversal of the duplicate {$30.00} charge by XXXX. 
A formal acknowledgment from Capital One that they mishandled the dispute process and opened it without my consent. 
A refund of the {$30.00} I lost or credit applied to my XXXX account. 
My XXXX account unlocked and cleared of this issue. 

I have made repeated calls to both institutions, and each blames the other. I now have lost money, time, and access to my account for a situation I did not create. I am requesting the CFPBs help to resolve this dispute and restore my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
1. Illegal Re-Aging and Improper Reporting Beyond 7 Years This account was closed XX/XX/XXXX, and according to FCRA 605 ( a ) ( 4 ) - ( 5 ), no negative information may be reported more than 7 years from the date of first delinquency ( DOFD ). Despite this, Comenity BankXXXX continued to report monthly updates to the credit bureaus through XX/XX/XXXX. This re-aged the account and illegally extended its presence on my credit report. It is now scheduled to remain until XX/XX/XXXX, which is in violation of the FCRAs 7-year limit. 
2. Account Sold but Still Reporting Per a XX/XX/XXXX letter from Comenity Bank, they confirmed that this account was sold to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, Comenity continues to report and verify the account to the credit bureaus as if they still service it. According to FCRA 1681s-2 ( b ), once an account is sold, the original creditor loses the authority and documentation to verify reportingespecially without access to full payment records or legal DOFD documentation. 

Yet, XXXX  reported that Comenity Bank verified this account as accurate in XXXX ( XXXX  on XX/XX/XXXX and on XX/XX/XXXX ), despite having sold the account in XXXX and being unable to verify it properly. 
3. Privacy and Data-Sharing Violation Because the account was sold, Comenity would have been required to transmit sensitive consumer data such as my name, address, and Social Security Number to a third-party entity. This is deeply concerning. Given that Comenity can not verify the current status of the account, continued furnishing of this account and verification of its accuracy constitutes willful misrepresentation and fraud under FCRA 1681s-2 ( b ), and may also violate consumer privacy and identity protection laws. 
4. Lack of Proper Documentation and Refusal to Respond Properly I submitted a notarized written dispute delivered XX/XX/XXXX demanding deletion of the inaccurate charge-off and requesting verification of the DOFD. Comenity Bank failed to respond within the FCRA-mandated timeframe with any such documents. As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a furnisher can not verify disputed information, it must be deleted. Their failure to respond and simultaneous verification with TransUnion constitutes willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
XXXX  : To the Consumer Financial Protection Bureau, I am submitting this letter as an official consumer complaint and legal request for immediate intervention regarding multiple fraudulent accounts and unauthorized credit inquiries that are currently damaging my credit report and financial standing. Ive attached a detailed dispute letter which has already been submitted to Experian, citing multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Accounts fraudulently opened in my name, without my consent or knowledge Credit inquiries made without permissible purpose or legal authorization Repeated violations of FCRA 1681c-2, 1681i, and 604 ( a ) ( 2 ) Lack of timely response and failure to block false data under FCRA 605B Let me be clearI am the victim of identity theft and deceptive business practices. I have not only disputed these items directly with the credit bureau but am now escalating this matter to the CFPB because my rights under federal law are being ignored, and my financial reputation is being put at risk. Here 's What I'm Requesting from the CFPB : Immediate investigation into XXXX XXXX handling of my dispute, including whether they are in compliance with the required timelines and procedures set forth under the FCRA. Assistance in enforcing removal of the fraudulent accounts and inquiries Ive clearly identified in the attached documentation. Confirmation that the CFPB has logged this complaint, initiated contact with Experian, and is monitoring the resolution of this dispute in line with federal guidelines. The accounts and inquiries on my report were : Not authorized Not initiated by me And in some cases, opened due to misleading or deceptive advertising practices I have the right to accurate and fair reporting. I also have the right to be protected from abuse of my credit file. If a consumer reporting agency fails to take lawful action, it becomes your jurisdiction to step in and hold them accountable. I urge your office to review the attached dispute letter in full, investigate the issues raised, and hold XXXX  accountable if they fail to comply with their federal obligations. Im not asking for favorsIm demanding justice under the law. Please confirm receipt of this complaint and notify me of all updates regarding your investigation. I am prepared to provide further documentation as needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian denied my identity theft block request under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), even though I submitted a complete dispute package including my FTC Identity Theft Report, a police report, proof of identity, and a list of fraudulent accounts.

They claim the FTC report alone is not sufficient and that it was not filed with a law enforcement agency subject to criminal penalties for false statements. However, the FTC report is recognized under the FCRA as valid documentation.

Experian is refusing to block fraudulent accounts unless I submit additional documentation beyond what the law requires, which is a violation of my rights under the FCRA. I request that the CFPB enforce compliance and require Experian to block these items 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 explanation
Consumer complaint received 2025-07-25 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft and submitted an FTC Identity Theft Report ( # XXXX ) on XX/XX/year>. I sent a certified dispute letter with my report, ID, and proof of address to XXXX and the credit bureaus on XX/XX/year>. Despite this, XXXX refused to remove or block the fraudulent account and continues reporting it. I also received collection letters addressed to names that are not mine, falsely claiming I owe money. The account is not mine, and their actions violate the Fair Credit Reporting Act ( FCRA ), including 605B. My personal data was also found on over 20 websites and on the dark web, showing widespread identity theft. I demand permanent deletion of this fraudulent account from all records and written confirmation. 

XXXX  case ID XXXX.

Company response to consumer: Closed with non-monetary relief