vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XX/XX/year> my American Express card was charged over {$5000.00} fraudulently. My card was linked to XXXX. My XXXX account was hacked. AE has promised me over 8 times to call me and address this. No calls. Meanwhile I am accruing interest and having to make payments to protect my credit score. I am furious with AE. This was fraud and they wont address this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 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: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-31 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: FL

Complaint narrative:
After reviewing my current credit report I see my credit has been compromise nd neededs rhe following corrections done immediately : Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1602 p and 15 USC 1692c . Please fix this matter immediately and this has been reported for further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my current credit report I see my credit has been compromise nd neededs rhe following corrections done immediately : Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1602 p and 15 USC 1692c . Please fix this matter immediately and this has been reported for further investigation

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 2025-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of a late payment reported on the above-referenced loan account, which I opened in XXXX XXXX. The information being reported is inaccurate and is causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I am requesting that your office conduct a reinvestigation of this account entry. 

Specifically, I request the following : 1. The exact date and details of the alleged late payment. 
2. Documentation from the original creditor verifying that the payment was, in fact, late. 
3. Proof that the creditor complied with the accuracy and reporting standards outlined by the FCRA. 

If the credit bureaus or the furnisher of information can not provide verifiable documentation within the 30-day investigation period required by law, I request that this late payment entry be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
I am submitting this formal complaint to report fraudulent and inaccurate information that has been placed on my credit file as a direct result of identity theft, and I am requesting immediate corrective action in accordance with federal law.

1681b Permissible purposes of consumer reports 1681c Requirements relating to information contained in consumer reports Sets time limits on negative information ( e.g., 7 years for most items ).

1681e ( b ) Accuracy of report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

1681g Disclosures to consumers You have the right to get a copy of your credit report.

1681i Procedure in case of disputed accuracy Credit bureaus must investigate disputes within 30 days and correct/remove inaccurate or unverifiable info.

1681s-2 ( a ) Responsibilities of furnishers of information Lenders/creditors can not furnish information they know ( or should know ) is inaccurate.

1681s-2 ( b ) Duties of furnishers after receiving notice of dispute Once notified by a bureau, creditors must investigate and correct inaccurate info.

1681c-1 Identity theft prevention ; fraud alerts and XXXX XXXX alerts Lets you place fraud alerts or credit freezes on your file. 
1681c-2 Blocking information resulting from identity theft Credit bureaus must block fraudulent info that results from identity theft after you submit an identity theft report.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 16921692p
If the fraudulent account has gone to collections : 10. 1692e False or misleading representations Debt collectors can not misrepresent a debt.

1692f Unfair practices Prohibits unfair or unconscionable collection methods.

1692g Validation of debts You can demand written validation of a debt within 30 days, and collectors must cease collection until they provide it.

Other Useful FCRA Sections 1681n Civil liability for willful noncom
pliance You can sue for damages if a bureau or furnisher willfully violates your rights.

1681o Civil liability for negligent noncompliance You can sue if they are negligent in following the law.

1681p Jurisdiction of courts ; limitation of actions You have 2 years from discovery of a violation ( or 5 years max ) to file suit.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX - XXXX. 
XXXXWells Fargo account fraud. Lost complete access to it in XXXX to myself, got locked out but transactions and transfers were made and all accounts were closed without my returns. 
-XXXX  account opened and closed due to the same activity. 
XXXX XXXX  XXXX and accessed by phishing scammers. 
-XXXX  account opened to no knowledge. 
-XXXX  account opened to no knowledge. 
-XXXX account accessed and stolen. 
-XXXX account opened and stolen. 
-XXXX  account opened and stolen. 
-XXXX  accessed and stolen. 
XXXX accessed and stolen. 

All funds on my accounts were accessed and transferred out. Statements have been adjusted. All email addresses have been compromised, cellular device compromised. Victim of XXXX situation to be isolated so identity can be stolen unreported. Abuser stated to institutions that I have a severe disorder and that I would soon be near death to be come a beneficiary.

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 2025-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of a late payment reported on the above-referenced loan account, which I opened in XXXX XXXX. The information being reported is inaccurate and is causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I am requesting that your office conduct a reinvestigation of this account entry. 

Specifically, I request the following : 1. The exact date and details of the alleged late payment. 
2. Documentation from the original creditor verifying that the payment was, in fact, late. 
3. Proof that the creditor complied with the accuracy and reporting standards outlined by the FCRA. 

If the credit bureaus or the furnisher of information can not provide verifiable documentation within the 30-day investigation period required by law, I request that this late payment entry be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

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 2025-08-31 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

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 2025-08-31 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: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of all collection accounts listed on my credit report under the Fair Credit Reporting Act ( FCRA ). 



After reviewing my credit report, I found the following collection accounts that I believe to be either inaccurate, unverifiable, or no longer valid XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: DE

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and I am a victim of identity theft. I am writing to dispute the accounts that have been opened and used without my knowledge or authorization, and they do not belong to me. Under the Fair Credit Reporting Act, I request immediate deletion, as they are the result of criminal activity and do not reflect my true credit history or responsibility. These fraudulent items have caused damage to my credit reports, ruined my creditworthiness and credibility, and caused damage to my financial standing over the past few years. I am requesting immediate removal of all accounts in this report, an accurate investigation, and proof of removal, along with investigation documentation once complete, from all parties. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-31 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:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of an American Express revolving credit account that was opened on XX/XX/year> with a reported balance of {$0.00}. This account continues to reflect missed and late payments, even though I previously disputed this information. In my dispute, I specifically requested statements and records of all payments made and missed since the account was opened. Despite my request, the account was verified without providing supporting documentation, and I do not agree with the results of the investigation. To date, I have not received proof of the negative payment status that continues to be reported. Additionally, it has now been more than seven years since this account was opened, and negative payment history should no longer be reported. This reporting violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report, and reporting this unverified account with negative payment history fails to meet this standard. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items, yet no reasonable reinvestigation has been conducted in this case since no proof has been furnished to validate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They will not update my correct address which is XXXX XXXX  XXXX XXXX NC. 
Its causing me to get denied for home loan and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
Sent 3 letters to the credit bureau requesting XXXX XXXX. Of inaccurate unverifiable information- received stall letters or nothing at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Cease and Desist Capital One Credit Card Account # XXXX To Whom It May Concern, I am writing to formally lodge a complaint and request that the Consumer Financial Protection Bureau intervene regarding Capital Ones handling of my account, referenced above. 

Background : The account in question, under the name XXXX XXXX, has been the subject of ongoing and unwarranted collection and/or reporting activity. These actions have caused undue harm, distress, and potential damage to credit standing, despite my repeated attempts to resolve and dispute the matter directly with Capital One. 
Request : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable consumer protection laws, I hereby demand that Capital One and any associated collection agencies : Cease and desist all collection activities relating to this account, including but not limited to phone calls, letters, electronic communications, or third-party collection efforts. 

Cease and desist from furnishing or reporting inaccurate or unverifiable information regarding this account to any credit reporting agency. 

Provide written verification and documentation supporting the validity and accuracy of the alleged debt. If no such proof can be produced, I demand immediate removal of this account from all credit reports and a cessation of further contact. 

Notice of Rights : Failure to comply with this cease and desist demand may constitute a violation of federal law, and I reserve the right to pursue all remedies available, including but not limited to regulatory complaints, civil litigation, and claims for damages. 

I respectfully request that the CFPB review this matter and ensure Capital Ones full compliance with consumer protection statutes. Please provide written confirmation of receipt of this complaint and any actions taken. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
When a creditor discharges a debt, either by ceasing collection efforts or by settling for less than full consideration, under Internal Revenue Code Section 6050P and the regulations thereunder, subject to certain exceptions we have determined to be inapplicable to you, the creditor is required to issue IRS Form 1099 if the debt forgiven is equal to or greater than {$600.00}. Under current regulations, the principal amount of the debt forgiven is required to be reported by the creditor to the IRS and to the debtor even if the principal is less than {$600.00}. Please contact your tax adviser concerning the U.S. Federal income tax consequences to you. After a review of your account, no 1099 will be issued.

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 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When a creditor discharges a debt, either by ceasing collection efforts or by settling for less than full consideration, under Internal Revenue Code Section 6050P and the regulations thereunder, subject to certain exceptions we have determined to be inapplicable to you, the creditor is required to issue IRS Form 1099 if the debt forgiven is equal to or greater than {$600.00}. Under current regulations, the principal amount of the debt forgiven is required to be reported by the creditor to the IRS and to the debtor even if the principal is less than {$600.00}. Please contact your tax adviser concerning the U.S. Federal income tax consequences to you. After a review of your account, no 1099 will be issued.

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