vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
I noticed multiple unauthorized hard inquiries on my credit report that I did not initiate or approve. These inquiries were made between XX/XX/year>, and XX/XX/year>, by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
I did not apply for credit with any of these companies, nor did I authorize any third party to do so on my behalf. I believe these inquiries were made in error or possibly due to fraudulent activity. I contacted XXXX  and submitted a formal dispute requesting these inquiries be removed from my credit file. 

No action was taken by the companies to notify me or verify my identity before placing these inquiries, which is a violation of the Fair Credit Reporting Act. I am requesting a full investigation and removal of the inaccurate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I made a {$250.00} XXXX deposit charge on my Target Mastercard, serviced by TD Bank USA NA. I was led to believe by the terms in the app that I would receive a test drive in a XXXX XXXX XXXX  before completing my purchase. XXXX refused to honor this commitment and as such the order was cancelled. 

XXXX handles the entire order process in their app. When the order was cancelled, all traces of the transaction were deleted. I never received an e-mail receipt or agreement in my e-mail. I've disputed this transaction with TD Bank USA twice, and they've refused to submit the dispute to the merchant because I don't have any documents from the transaction.

That is key to the reason for the dispute. How can anyone know what I agreed to if all traces of the transaction were deleted? I am requesting for the third time that TD Bank USA submit my dispute to the merchant as is my right under the FCBA. 

They have denied this twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute with Experian because I was notified that my credit report got an update. The update showed I had a balance on XXXX of my credit cards that I had paid off completely already. I filed a dispute with screenshots proving it was paid with the date and showing a balance of XXXX. It's still XXXX now. They updated the report to show no balance. Great. 

My score from the other XXXX bureaus are XXXX and XXXX. This dispute put my score with Experian at XXXX!!! This hurt my credit. It went down the exact same day it was put in resolved status and it went from very good to good. The other XXXX bureau 's score hasn't budged and I haven't spent anything so it should should show a raising of the score like the other XXXX bureau 's showed, not lowering! Please help

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 2025-08-07 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX Consumer ID:XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XX/XX/2025 Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX Demand for Validation and Correction To Whom It May Concern : I am writing to formally dispute and request full validation for the auto loan account # XXXX currently being reported on my credit report. 
After making five consecutive payments of {$500.00} totaling {$2500.00}, the principal balance has only reduced by approximately {$360.00}. This raises serious concerns under the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 
I am requesting the following : 1. A full payment history showing principal vs. interest breakdown 2. The original signed contract with all APR and loan terms 3. All disclosures of finance charges, fees, and total cost of the loan 4. Proof that this account was fairly originated and lawfully reported 5. Verification of all data youve furnished to XXXX, XXXX, and XXXX  If you can not provide complete validation within 30 days, I demand immediate deletion of the account from all credit bureaus under FCRA 611 and TILA protections. 
This is a formal dispute and request for investigation. Please respond by mail. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a dispute with American Express regarding account ending in XXXX which they refuse to resolve though customer service or their executive office.

American Express cardmember agreement for this account requires mandatory arbitration for disputes.

As specified in the agreement, arbitration was initiated by a claims notice sent certified mail XXXX, receipt of which was confirmed by email on XX/XX/year> by the American Express Executive office. 
Arbitration case # XXXX for account XXXX is open with their specified arbitration organization, XXXX. 
American Express is refusing to participate in the mandatory arbitration proceedings and refusing all communication attempts from XXXX, the independent arbitration organization. 
This is in direct violation of the cardmember agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: WI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX580.00}

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 2025-08-07 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:
Dear Equifax I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaus Equifax, XXXX XXXX XXXX XXXXo support this request, I have included the following documents : XXXX. A copy of my government-issued ID. XXXX. An Identity Theft Report from the FTC. XXXX. Proof of address Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Solutions Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Number : XXXX. Please confirm the account name, account number has been blocked and deleted within XXXX ( XXXX ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, CHALLENGED OR NOT.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALCAR INC.
State: VA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX stating my first loan payment for Loan ID XXXX was due on XX/XX/year>. The email encouraged me to set up Autopay. I followed this instruction and activated Autopay through my online dashboard. The system configured the payment schedule for me ; I did not choose the dates. 

On XX/XX/year>, I received a formal email confirmation from XXXX XXXX establishing a new payment agreement. This email explicitly stated : " Your next scheduled payment is on XX/XX/year>. '' Despite this written confirmation of a XX/XX/XXXX due date XXXX XXXX XXXX processed an unauthorized withdrawal of {$360.00} from my bank account on XX/XX/year>. This directly violated our written agreement and caused significant financial distress. I was forced to issue a stop payment with my bank. 

I immediately attempted to resolve this error. On XX/XX/year>, I sent a formal complaint letter via USPS Certified Mail to XXXX XXXX XXXX detailing their error and including all supporting documents.

In response, I received three separate emails from XXXX on XX/XX/year>, confirming my request to " cease all future communications '' had been processed. However, XXXX immediately violated this agreement, sending another automated payment demand on XX/XX/year>. 

Most egregiously, on XX/XX/year>, I received an alert from XXXX XXXXhat XXXX had reported this legitimately disputed account as delinquent to XXXX. Reporting a formally disputed account as delinquent is a serious violation of fair credit practices and has caused direct harm to my credit profile. 

To summarize : The creditor provided contradictory written payment information. 

They processed an unauthorized withdrawal in violation of their own stated terms. 

They failed to respond substantively to a formal, certified dispute letter. 

They violated their own written agreement to cease communication. 

They have now damaged my credit by reporting a formally and actively disputed account as delinquent. 

I demand that this inaccurate delinquency be immediately removed from all of my credit reports ( XXXX XXXX XXXX XXXX  ) and that the original creditor be held accountable for these procedural failures and violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a follow up complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I am submitting a follow up complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 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 2025-08-07 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: TX

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 submitting this formal complaint against Transunion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransunion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Transunion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/year> -SENT Demand for Original, Executed Contract Under FCRA 609 ( a ) ( 1 ) ( A ) XX/XX/year> - SENT Suit NOI Letter Request for Immediate Investigation and Correction Letter XX/XX/XXXX, XXXX ID_Theft_Noncomplianve Letter XX/XX/XXXX, XXXX XXXX XXXX Identity Theft XXXX, XXXX XXXX XXXX Identity Theft. These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Transunion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. Transunion 's continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny

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