vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
I XXXX XXXX, social security number XXXX, Date of Birth : XX/XX/year> is writing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Capital One Auto Finance, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate account with Capital One Auto finance under account number XXXX was opened on XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
My name is XXXX XXXX, born on XX/XX/year>, with Social Security Number XXXX, and I am writing to formally file a complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am requesting that you block, within no more than 4 business days, the fraudulent information currently appearing on my credit report that is the result of identity theft.

The fraudulent and inaccurate information in question consists of a personal credit card account opened at XXXX XXXX XXXXXXXX, under account number ending in XXXX, with a reported balance of {$530.00}. This account is currently being reported as charged off, which is severely damaging my credit profile.

I want to make it clear that I did not open, authorize, or initiate this account in any way. I had no knowledge of its existence until reviewing my credit report. This account is the result of identity theft and was opened without my consent or involvement. 

I have attached a copy of my official FTC Identity Theft Report ( # XXXX ) as documentation proving that this account is fraudulent. I respectfully request that this account be permanently blocked and removed from my credit report in compliance with federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a hard inquiry that have recently appeared on my credit report, which I did not authorize. 
This inquiry is negatively affecting my credit score, and I respectfully request their immediate removal from my file. 
The following inquiries are in question : Equifax XXXX XXXX XXXX XXXXXXXX XXXX TRANSUNION I did not apply for credit with this company, nor did I authorize any hard inquiries to be made on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete, and I believe these inquiries fall under that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
in accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The account below have violated my right.

15 U.S.C 1681 section 602A States i have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information any another adverse item of my information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information inaccurate Delete the account 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

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 2025-08-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: LA

Complaint narrative:
I use a ReliaCard issued by U.S. Bank to receive my XXXX XXXX payments. About XXXX weeks ago, my account was frozen after I received a {$150.00} refund from XXXX for merchandise I had originally purchased using the same ReliaCard. I made the return in-store with a receipt, and the refund was credited correctly to the same card. 

Shortly afterward, U.S. Bank froze my entire account and required that I submit both the original purchase receipt and the return receipt to verify the refund. I no longer had the receipts, so I had to physically drive to XXXX differentlocations, XXXX in XXXX XXXX and a XXXX combo location in XXXX to retrieve duplicate copies. Due to how I received them, I initially uploaded the XXXX receipts on different days. When I called to follow up, I was told both had to be uploaded at the same time a requirement I was never informed of earlier. 

I re-uploaded both receipts together as instructed. After waiting several more days, I called again, only to be told that one of the receipts was not legible enough because the sun had faded it. I was then forced to drive back to the return location in another city to have a second duplicate printed, which I also uploaded. Despite this extra effort, my account remains locked. 

Now, U.S. Bank is claiming that the merchant name on the receipts does not match, even though both stores are XXXX ( XXXX is a XXXXXXXX XXXX  store ) and the receipts clearly say XXXX XXXX XXXX top. They are also questioning the fact that the return was made at a different location, despite XXXX own policy explicitly allowing returns to any store location. 

I have even offered to have the refund reversed entirely just to regain access to my remaining {$1300.00}, which I desperately need for XXXX XXXX and daily living expenses, but I was told that is not an option. 

It has now been over XXXX weeks that Ive had no access to any of my funds. Ive made repeated calls, followed every instruction, and provided all available documentation, yet every time I follow their directions, Im given a new reason why my account remains frozen. The requirements keep shifting, and U.S. Bank has made no meaningful effort to resolve the issue. 

This situation is completely unreasonable and punitive. A small, documented merchandise return has resulted in me being denied access to the entirety of my funds, including ongoing child support deposits that are essential for my childs well-being. 

I am requesting that U.S. Bank immediately unfreeze my account, provide access to my funds, and explain why such extreme measures were taken over a legitimate, documented refund that followed store policy.

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 2025-08-05 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-08-05 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: NJ

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 2025-08-05 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: AZ

Complaint narrative:
The inaccurate information reflected on my credit report has caused substantial financial hardship and emotional distress. The misrepresentation of my personal and financial details has misled creditors and financial institutions, resulting in higher interest rates, denial of credit, and a significant negative impact on my financial stability. My repeated efforts to correct these inaccuracies have led to ongoing stress and anxiety, diminishing my confidence in the credit reporting system. 

Despite multiple disputes, the persistent presence of these errors worsens the situation, creating undue financial pressure. The refusal to correct the inaccuracies has left me with no choice but to take unnecessary financial measures, further compromising my emotional and financial well-being. Being unfairly penalized for issues outside my control has caused considerable distress and hardship. 

The continued reporting of false information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The failure to correct or remove these inaccuracies, despite clear evidence and legal obligations, demonstrates a disregard for consumer protection laws. This ongoing issue has not only led to financial consequences but also caused significant emotional distress, affecting my daily life and overall mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-05 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: NJ

Complaint narrative:
I XXXX XXXX, social security number XXXX, Date of Birth : XX/XX/year> is writing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate account with XXXX XXXX XXXX finance under account number XXXX was opened on XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am filing this complaint against LexisNexis for willfully violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by reporting a XXXX  that is unverified, inaccurate, and obtained from an unauthorized third party. 

XXXX  courts do not furnish or verify consumer data to credit bureaus or data brokers. Therefore, any reporting of this XXXX  is based on unverifiable hearsay, which is explicitly disallowed under federal law. 

I have already disputed this directly with LexisNexis and submitted documentation showing that the court does not verify or report this information. Despite this, the item remains. 

Failing to verify the source of information received, in this case, the court, is a violation of the FCRA. Continuing to report this information after being notified of its unverifiability demonstrates willful noncompliance and has caused harm to my creditworthiness. 

I am requesting the immediate removal of this unverifiable bankruptcy and a full investigation by the CFPB into the practices of LexisNexis regarding the collection and use of public records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: HI

Complaint narrative:
i am a victim of identity theft. I need these negative reports that are showing as charged off changed to paid and the following accounts removed immediatly. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX status charged off- need changed to paid. opened XXXX debt charged off XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX status charged off- need changed to paid. opened XX/XX/year> XXXX XXXX  rep XXXX XXXX XXXX XXXX status charged off- need changed to paid. opened XX/XX/year> XXXX XXXX share XXXX XXXX status, collections- needs to be removed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as of XX/XX/XXXX XXXX needs to be removed

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 2025-08-05 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: HI

Complaint narrative:
i am a victim of identity theft. I need these negative reports that are showing as charged off changed to paid and the following accounts removed immediatly. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX status charged off- need changed to paid. opened XXXX debt charged off XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX status charged off- need changed to paid. opened XX/XX/year> XXXX XXXX  rep XXXX XXXX XXXX XXXX status charged off- need changed to paid. opened XX/XX/year> XXXX XXXX share XXXX XXXX status, collections- needs to be removed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as of XX/XX/XXXX XXXX needs to be removed

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NC

Complaint narrative:
I asked morgan stanley etrade what documentation was needed to get my funds withdrawn from my restricted checking account and I provided the statements for the funding source ( XXXX XXXX  ), did a XXXX call with XXXX XXXX  rep and morgan stanley etrade rep to confirm account ownership of funding account, and provided paystub showing direct deposit to account. Even after they said my account would be switched to 'withdraw only ' to get my funds, they then said I had to work with sofi to do a recall and they would not make withdraw only. XXXX said they can not do because there were no rejections or disputes and it had posted several weeks ago without dispute. This is horrible customer service. They refuse to send me my money even though they said I can no longer be a customer. I even told them i would accept a check and they would not send it to me even after confirming my ownership of the XXXX  XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: HI

Complaint narrative:
i am a victim of identity theft. I need these negative reports that are showing as charged off changed to paid and the following accounts removed immediatly. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX status charged off- need changed to paid. opened XXXX debt charged off XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX status charged off- need changed to paid. opened XX/XX/year> XXXX XXXX  rep XXXX XXXX XXXX XXXX status charged off- need changed to paid. opened XX/XX/year> XXXX XXXX share XXXX XXXX status, collections- needs to be removed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as of XX/XX/XXXX XXXX needs to be removed

Company response to consumer: Closed with non-monetary relief