vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
This is a formal request to investigate and remove a number of unauthorized accounts that appear on my credit report. I had no involvement in opening these accounts, and they are clearly the result of fraudulent activity.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called capital one to inquire about interest charged of XXXX, i asked Capital one worker why is my interest rate is so high he said because a payment was not made XX/XX/year> ; XX/XX/year>, interest charge was XXXX, i told him always paid my payments on time, since i had the credit card. I made a payment XXXX dollars came out of my bank account on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT ( 15 USC 1692 ) & ( 15 USC 1692c ) To Whom It May Concern : On XX/XX/year>, I was contacted by your agency regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. In accordance with the Federal Fair Debt Collection Practices Act, ( 15 USC 1692 ), and ( 15 USC 1692c ) you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. Sincerely, XXXX XXXX XXXX : Letter sent Certified Mail on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I opened square account for my hair services. I ran a special for {$45.00} and three of my customers decided to tip me. After processing the payments square put my account on hold to verify. I added my business name, ein number, uploaded DL, bank statements and explained the payments in the amount of {$5.00} was tips. I received an email the next day I account is deactivated and my funds are on hold for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-27 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Misuse of My Consumer Information by Early Warning Services and XXXX  To Whom It May Concern, I am writing to file a formal complaint against Early Warning Services , LLC and XXXX  XXXX XXXX for the unauthorized use, reporting, and handling of my personal information, in violation of the Fair Credit Reporting Act ( XXXX  ) and other applicable federal privacy protections. 

Despite my repeated efforts to dispute the inaccuracies and unauthorized entries, both agencies have failed to properly investigate and remove incorrect or identity theft-related information from their systems. This failure has resulted in the unjust denial of bank accounts and financial services, and is a direct violation of my rights under : XXXX U.S. Code XXXX, which allows consumers to request a block of information resulting from identity theft. 
XXXX U.S. Code XXXX, which outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. 

I have reason to believe that my information was either misused or mishandled, and neither Early Warning Services nor XXXX  have provided adequate disclosures or taken appropriate steps to verify the legitimacy of the data they are reporting. 

I am requesting the CFPB to initiate a thorough investigation into : XXXX. The failure of Early Warning Services and XXXX  to properly investigate disputes. 
XXXX. The continued reporting of fraudulent or inaccurate information despite my formal identity theft claim.

3. Violations of privacy protections under the Gramm-Leach-Bliley Act and FCRA. 

I have attached supporting documentation, including previous dispute letters and identification, to aid in your investigation. Please confirm receipt of this complaint and inform me of any further steps I may need to take. 

Thank you for your attention to this serious matter. I trust that the CFPB will help ensure my rights as a consumer are upheld and enforced. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-27 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: WI

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my 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 2025-06-27 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: MO

Complaint narrative:
Wilber and Associates tried to call me several times the past few weeks ( XXXX ). Each time they asked me about a vehicle I did not own and have never owned, and said it was regarding an accident I was not involved in. The accident was in a state and city I have never been to. After those phone calls I then received a letter in the mail from a debt collection company, Wilber, referencing the same accident and claiming I owe over {$8000.00}. Strange that the debt collection company has the same name as the Law firm that contacted me... I contacted the debt collector but they have not gotten me any information back to say it's off the books.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc.
State: FL

Complaint narrative:
I suffered a hardship due to hurricane XXXX and XXXX. Have been displaced and jobless. I am now homeless. My car has been repossessed 3 days before I was able to make our financial agreement. They now want over {$2000.00} to release the vehicle to me and I'm missing work due to not having transportation. I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MA

Complaint narrative:
See FIle attached! CFPB Complaint Your Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX SSN ( Last XXXX digits ) : XXXX Date of Complaint : XX/XX/year> Company You Are Complaining About : XXXX XXXX XXXX Also Report the Bureaus Involved : Equifax, TransUnion Incorrect information on my credit report I am being reported late on accounts for which I have no access to pay. I have never been supplied with account statements, legal notices, collection letters, past due notices or phone calls. 

I am submitting this complaint because XXXX XXXX XXXX is reporting two delinquent accounts to the credit bureaus ( Equifax and TransUnion ) that are falsely attributed to me, causing significant damage to my credit. 

I am not the primary account holder for these accounts ( # XXXX and # XXXX ). XXXX has confirmed to me directly that I am not authorized to manage or access these accounts. I have never been given : Monthly statements Collection notices Full - Payment portal access Any formal notice of a past-due balance Because I had no legal access or managerial control over these accounts, I was never given an opportunity to resolve or dispute any alleged delinquency, which is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting formal disputes to the credit bureaus ( Equifax and TransUnion ), the accounts remain on my report, listed as delinquent. The credit bureaus appear to have simply accepted XXXX 's word without obtaining actual evidence of my legal access. 
The continued reporting of these accounts is causing me harm through lower credit scores, denial of financial opportunities, and emotional stress over accounts I have no legal ability to manage or resolve. 

Screenshots are attached below showing that I have no access or contact as a secondary owner. My credit was not used in consideration of the original transaction, and this accounts financial obligation belongs solely to the primary owner. I was explicitly told by XXXX Customer Service that I do not have access as the secondary owner. Additionally, after I was notified of the first late payment, I called XXXX again and was told once more that I have no account access, and that a deletion request would be submitted on my behalf since I am not liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
b'Review al three credit companies for incorrect information.'

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 2025-06-27 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: NV

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

1681c-2 ) that you, the XXXX credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmerican Express\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nSubject: Notice of Intent to File Legal Action Under the Fair Credit Reporting Act (FCRA)\n\nTo Whom It May Concern,\n\nThis letter serves as a formal Notice of Intent to File Suit against American Express and XXXX for ongoing violations of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., and Internal Revenue Code  6050P.\n\nDespite numerous written disputes and formal complaints filed through the Consumer Financial Protection Bureau (CFPB), you have failed to correct the inaccurate and misleading reporting related to American Express account ending in XXXX. The account is being reported as a charge-off with a balance oXXXX XXXX without furnishing a legally required Form 1099-C, despite claiming the amount has been written off. This continued reporting is unlawful and materially damaging.\n\nYou are in violation of the following statutes:\n- 15 U.S.C.  1681i(a): Failure to reasonably reinvestigate and correct disputed information.\n- 15 U.S.C.  1681e(b): Failure to maintain procedures to assure maximum possible accuracy.\n- 15 U.S.C.  1681s-2(b): Failure of the furnisher (American Express) to conduct a proper investigation and update the reporting agency.\n- 15 U.S.C.  1681g(a): Failure to provide full file disclosure.\n- 15 U.S.C.  1681n &  1681o: Civil liability for willful and/or negligent noncompliance.\n- 26 U.S.C.  6050P: Failure to issue IRS Form 1099-C following debt cancellation or charge-off.\n\nIf you do not delete the inaccurate reporting and fully comply with your legal obligations within fifteen (15) days of receipt of this letter, I will pursue all available legal remedies, including filing a lawsuit in federal court for actual damages, statutory damages, punitive damages, and attorneys fees.\n\nThis letter constitutes a final opportunity to correct your unlawful conduct and avoid litigation.\n\nSincerely,\n\XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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