vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-14 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXDear Equifax\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information\nrelated to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15\nU.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and\nunauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to\nprevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as\nan updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact\nme immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my\ncredit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
On experian consumer report theirs a negative amount ending in XXXX and a hard inquiry from XXXX XXXXXXXX that supposed to be removed from credit report their is a federal trade commission identity report on filed normally they remove information from report on trans union theirs 5 negative items that supposed to remove their is a federal trade commission identity report on filed normally they remove information from report. Social security 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 2025-07-14 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had direct deposit with this account they kept hitting me with overdraft fees I was expose to trust because they allowed my identity to be compromised I complained and they dropped my services

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Ive been a loyal Discover customer for over 7 years and have maintained a perfect payment history until a single late payment occurred in XX/XX/year>. I am not disputing that the late payment occurred I take full accountability but I am respectfully requesting a goodwill adjustment due to unusual circumstances. 

During that month, I experienced a technical issue where the Discover mobile app was not interacting properly with my XXXX  phone, and I was not alerted that autopay had failed or was not enabled. Combined with a busy time in my life and the assumption that my account was on autopay, I unfortunately missed the due date. This was a one-time event in an otherwise flawless history. 

I contacted Discover support and requested a goodwill adjustment, but they declined, citing their obligation to report accurate information. I fully understand and respect that responsibility, but this request is not about disputing accuracy it is about seeking understanding and forgiveness for a rare mistake from a long-standing, loyal customer. 

I have always paid Discover on time, have kept my account in good standing since then, and immediately resolved the missed payment once I discovered it. Given the circumstances and my history, I kindly ask that Discover reconsider a one-time goodwill removal of the XX/XX/year> late payment from my credit report. 

Thank you for facilitating this review through the CFPB process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against Santander/ XXXX XXXX and the reporting credit bureau for their willful violation of federal law regarding the reporting of a charged-off account with an incorrect balance. 

The account in question has been charged off and closed ; however, the creditor continues to report an outstanding balance, which is inaccurate and misleading. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, which requires furnishers to report only complete and accurate information.

Furthermore, under IRS Code 6050P, any cancellation of indebtedness over {$600.00} requires the issuer to file and provide a Form 1099-C. If the debt has been canceled, reporting a balance is not only misleading but could constitute double reporting, which is deceptive and unlawful. 

I have disputed this with the credit reporting agency and the furnisher, and no valid correction has been made. Therefore, I am demanding : The immediate deletion of this account from all credit reporting databases, Production of a 1099-C, if the debt was forgiven or canceled, or Full compliance with federal reporting standards or I will pursue legal action for the violation of my consumer rights.

Failure to act appropriately will result in me seeking counsel to sue for damages under FCRA 1681n and 1681o.

Please investigate this complaint and ensure my rights as a consumer are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-14 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-07-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$190.00}

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 explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX INQUIRIES : XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you regarding fraudulent accounts on my consumer report that are directly linked to identity theft. I never provided written authorization or a wet signature for the inclusion of these accounts, yet they continue to appear on my credit report despite my previous communications with your organization. These unauthorized entries have caused substantial emotional and financial distress by inaccurately representing my credit history and financial responsibilities. The presence of these fraudulent items has severely hindered my ability to achieve essential financial goals, including purchasing a home and providing for my family 's needs, making immediate resolution critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a transaction on my capital one quicksilver card. I had car repairs made at a local XXXX dealer. The dealer sent me a text ( which I have screenshotted proof of ) that they were going to give me 15 % off of the repair costs. When I looked over the bill later, after repairs were made, the dealer only gave me {$150.00} off, NOT 15 %. I texted the dealer to let them know the problem and their only response was an apology over text. I submitted a complaint to XXXX about the XXXX dealer and XXXX never replied to the XXXX complaint. I have documentation for ALL of this and I explained the situation to Capital One. I submitted ALL of my documentation when they opened the dispute via the secure link they gave me. The gave me a chargeback credit for the 15 % of the amount, which amounted to {$820.00}. They sent me something a couple of weeks later saying they needed a response but I didn't know what they were referring to because I had already submitted detailed pictures of the bill/receipt AND screenshots of the text messages. They later closed the case saying they didn't receive a response from me. This is completely false because I submitted them a lot of documentation. I don't know if they ever even contacted the merchant on my behalf. From what I can tell they just closed my dispute case for no reason and didn't try to help me at all with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
XXXX XXXX XXXXXXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Amount : {$0.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17000.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2500.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Please remove it from my credit report under 15 USC 1681i

Company response to consumer: Closed with explanation