vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I discovered a fraudulent Capital One Quicksilver XXXX credit card account appearing on my credit report with a balance of {$440.00}. I did not open or authorize this account. I was recently affected by a data breach, and this account was created using my stolen personal information. 

As soon as I became aware of the issue, I took the following actions : ( XXXX ) I filed an official FTC Identity Theft Report documenting the fraud. 
( XXXX ) I prepared and submitted written identity theft dispute letters to XXXX XXXX XXXX XXXX on XX/XX/year>, requesting immediate removal of the fraudulent account. 
( XXXX ) I included copies of my government-issued ID, proof of address, and all required documentation. 
( XXXX ) I clearly demanded that each bureau remove the fraudulent Capital One Quicksilver account within 4 days, as it is actively damaging my credit. 

Despite taking all proper steps under the Fair Credit Reporting Act ( FCRA ), this fraudulent account remains on my credit report. I am requesting that the CFPB require the credit bureaus and Capital One to fully investigate and delete this fraudulent account and confirm the results in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
The company is listed on my credit report. I have never entered into any type of legal contractual agreement with them, which they do not have my signature on any type of contract, which is a violation of my rights according to the fair credit act

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BYL Collection Services
State: MD

Complaint narrative:
BYLSERVICES, LLC Statement Date : XX/XX/XXXX BYLS  Account Number : XXXX Account Balance {$940.00} Original Creditor : XXXX XXXX XXXX XXXX, XXXX Creditor Account Number : XXXX Amount you Pay {$470.00}. 
Amount due by XX/XX/XXXX Debt collector Company address : Byl services , LLC XXXX XXXX XXXX, XXXX XXXX, Pennsylvania XXXX I have XXXX insurance ( XXXX  XXXX XXXX ) and I'm on XXXX from the state of Maryland for the past year, and I am aware XXXX XXXX  offer payments options for low income individuals and I know it ain't my fault that the nurse didn't charge my insurance, I've been having this problem with XXXX XXXX sending me medical bills in the mail, XXXX XXXX XXXX  system in Maryland or patient first does not do this with me such as send me medical bills in the mail, I have active XXXX insurance and I am not obligated to this bill my insurance can cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 2025-11-18 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Full File Dispute Personal Information, Inquiries, Collections, and Adverse Items Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX To Whom It May Concern, I am writing to dispute several inaccurate items on my TransUnion credit report. Please investigate and remove or correct the following : 1. Incorrect Personal Information : - Remove incorrect names and variations. 
- Remove inaccurate addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : I did not authorize several inquiries appearing on my report. Please investigate and remove all inquiries that can not be verified.

3. Incorrect Collection Account : A XXXX XXXX related factoring/collection account is inaccurately reporting. I do not recognize this account. Please validate or delete.

4. Outdated or Inaccurate Negative Information : Remove outdated late payments and adverse items that exceed reporting time limits or can not be verified. 

Under the Fair Credit Reporting Act, please complete your investigation within 30 days and mail an updated copy of my credit report to the address above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
On XX/XX/year>, I received a text message from SoFi asking whether I authorized a {$1.00} transaction at XXXX, XXXX, XXXX. I did not authorize this transaction and replied NO to the message within the one-hour window, as instructed. Shortly after, I received a follow-up message stating that my debit card ending in XXXX had been frozen. However, I never applied for a SoFi debit card, and this card was issued without my knowledge or consent. 
After replying NO to the fraud alert, I unexpectedly received another message stating that I had opted out of SMS messaging from SoFi. I did not request to opt out, and this appears to be a system error or misinterpretation of my fraud response. 
I attempted to contact SoFi to report the unauthorized card and transaction, request a full fraud investigation, and ask for written confirmation that I will not be held liable or reported to credit bureaus. As of now, I have not received the requested information or confirmation that the issue is being resolved. 
This situation raises serious concerns about identity theft, unauthorized account creation, and SoFis handling of fraud alerts and customer communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Not only did chime still a large amount of my money and close my account during the middle of a dispute, which led me to reach out to the merchant ( kraken ) myself two charges were made using my chime debit card for {$800.00} and {$150.00}. I did not authorize nor have I ever had an account with kraken. I had to create an account with them just to communicate with them and now they are asking for an ARN number that I can't get because they closed my account and changed my email so that I couldn't communicate with them thus far this has been the utmost stressful thing that I have ever done trying to retrieve what I worked hard for as XXXX XXXX  Please help me because I don't know what else to do

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 2025-11-18 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-18 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: AK

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX credit report. I do not authorize XXXX or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding the inaccurate reporting of several accounts on my credit report. The accounts in question include XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$40000.00} After carefully reviewing my credit history, I have identified reporting inconsistencies that misrepresent the true status of these accounts. These inaccuracies could negatively impact my creditworthiness and create a misleading depiction of my financial history. Despite previous disputes, these items remain inaccurately reported and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
On XX/XX/year>, I received a text message from SoFi asking whether I authorized a {$100.00} transaction at XXXX in XXXX XXXX, MN. I did not authorize this transaction and have not applied for or activated any SoFi debit card. This follows a previous unauthorized {$1.00} Coinbase transaction and a debit card ending in XXXX, which I reported and escalated via CFPB complaint ID XXXX. 
I emailed SoFis fraud team requesting immediate investigation, confirmation that no new card was issued, and assurance that I will not be held liable. I also asked for a fraud case number and restoration of secure communication. As of now, I have not received a response.

This incident raises serious concerns about identity theft, unauthorized account creation, and SoFis handling of fraud alerts and customer communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am submitting to formally dispute several inaccuracies appearing on my Equifax, Experian and TransUnion credit report, which I have carefully reviewed and verified against my personal records. The errors I have identified include incorrect addresses, charge-off accounts, and collection accounts. These inaccuracies misrepresent my financial history and payment behavior, and I request that they be investigated and corrected pursuant to the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am submitting to formally dispute several inaccuracies appearing on my Equifax, Experian and TransUnion credit report, which I have carefully reviewed and verified against my personal records. The errors I have identified include incorrect addresses, charge-off accounts, and collection accounts. These inaccuracies misrepresent my financial history and payment behavior, and I request that they be investigated and corrected pursuant to 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
" I am not responsible for the debt associated with the original creditor, I do not have a contractual agreement with collection agency, and when I requested the original contract, they failed to provide it. '' Example : " I am not responsible for the debt associated with the original creditor, and when I requested the original contract, they failed to provide it. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> {$740.00} WAS REVERSED BACK TO MY ACCOUNT FROM XXXX XXXX THROUGH ZELLE FROM THEIR XXXXXXXX XXXX  ACCOUNT. I HAVE NOT received MY {$740.00} I HAVE CONTACTED ZELLE, THE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation