vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Several accounts appearing on my consumer credit report are directly linked to identity theft and were established without my knowledge or written authorization. I have never provided any form of signature, wet or electronic, authorizing the creation of these accounts or their inclusion on my credit file. The fraudulent nature of these accounts has been previously communicated to your organization, yet they continue to appear on my report, causing ongoing emotional distress and substantial financial harm. These unauthorized entries have created significant barriers to achieving legitimate financial objectives, including home ownership and securing credit for my family 's essential needs, while misrepresenting my actual credit history and financial responsibilities.

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 2025-09-03 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:
Several accounts appearing on my consumer credit report are directly linked to identity theft and were established without my knowledge or written authorization. I have never provided any form of signature, wet or electronic, authorizing the creation of these accounts or their inclusion on my credit file. The fraudulent nature of these accounts has been previously communicated to your organization, yet they continue to appear on my report, causing ongoing emotional distress and substantial financial harm. These unauthorized entries have created significant barriers to achieving legitimate financial objectives, including home ownership and securing credit for my family 's essential needs, while misrepresenting my actual credit history and financial responsibilities.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE has been an absolute nightmare to deal deal with. 

A car payment was taken out of my capital one bank account. It was not authorized. 
I've been given the runaround trying to recover these funds. 

Car loan was set to auto draft every month. 
I changed the account that the draft was supposed to come out of. 

Previously, it was from capital one, XXXX weeks before the next drafting date I switched it to a different bank account with a different bank. 

I Reported this to capital one on the phone, I followed up with them, and they gave me different information both times. Saying that this money would be back in my account within XXXX  days. 

I was then sent an email saying that they need a handwritten form to be delivered to the bank requesting this unauthorized amount, be investigated, etc. 

They sent an email, literally saying that this form was due -- the day before they sent the email ... which clearly is impossible. 

I walked into the bank with the form, as the email said I should, they said they didn't take the form, I had to force them to take the form. 

Long story short, capital one is giving me the runaround, currently they saying that these funds XXXX be restored XXXX  days after the unauthorized funds were removed from my account. {$1400.00}. 

In addition to this capital one charge me {$35.00} NSF fee. 

I called different numbers, talked to different people, I got different information, the branch was not helpful. There is no authority to speak to at Captial one. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime failed to show up to court today ( XX/XX/year> @ XXXX XXXX XXXX XXXX XXXX so, I called and told them that they were ordered to pay me back in full. 

I spoke with a supervisor who told me I should've taken XXXX to court. And was told I got my {$98.00} back, which I did in the form of a provisional credit. 

I transfered the credit to my XXXX account, and they pulled it back out. 

When I called this to their attention, they told me I was getting inappropriate, and would end the phone call. 

I've uploaded proof of them stealing my money from my XXXX account, and I also uploaded a picture from the Magistrate at XXXX XXXX ordering Chime to pay me back {$98.00} + {$75.00} filing fee, + 8 % interest. 

They need to stop dodging me and take some accountability. This will be my final report to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 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: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 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:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
The amount that was disputed {$500.00} from as early as XXXX of XXXX, the debtor XXXX XXXXXXXX XXXX XXXXXXXX XXXX I had put forth the fact that the debtor was attempting to get payed on a chargeback account from XX/XX/XXXX, almost a year ago. The XXXX Credit Bureau failed important information about the outstanding debtor account within the required law. My credit were decreased and declined due to delinquency that appear on my credit report.

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 2025-09-03 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: AZ

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within XXXX  days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I am a victim of identity theft, and my personal information was used to open fraudulent accounts and inquiries that now appear on my credit reports. I have submitted an FTC Identity Theft Report and supporting documents to Experian, Equifax, and TransUnion, requesting removal of these items under FCRA 605B. However, I need the Consumer Financial Protection Bureaus assistance in ensuring that all fraudulent accounts and inquiries are blocked and permanently removed from my credit file within the required four business days.

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 2025-09-03 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: NC

Complaint narrative:
I am a victim of identity theft, and my personal information was used to open fraudulent accounts and inquiries that now appear on my credit reports. I have submitted an FTC Identity Theft Report and supporting documents to Experian, Equifax, and TransUnion, requesting removal of these items under FCRA 605B. However, I need the Consumer Financial Protection Bureaus assistance in ensuring that all fraudulent accounts and inquiries are blocked and permanently removed from my credit file within the required four business days.

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 2025-09-03 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: GA

Complaint narrative:
This complaint is not in error. My credit report shows multiple unauthorized inquiries by companies I never approved. I previously contacted your agency and was assured these inquiries would be removed. That promise has not been honoredthese inquiries remain. 

This failure to act is unacceptable. The presence of unauthorized inquiries raises serious concerns of possible identity theft and continues to cause me emotional and financial harm.

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 2025-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
We had to use Faye Servicing as a servicer for the loan we had on a property. We had ins but somehow it expired and we renewed but the servicer wasn't notified even though we sent it in, but they had sent a letter if we didn't get it they would apply their own. There was an extra fee added which looks like they applied their own insurance in or around XX/XX/2024. We sold the property in XX/XX/2024 and made several calls and emails to them asking what that amount was that was taken out of our account since it was on auto pay and they gave us the run around. Kept saying we could not speak to a live person and that they had to send an internal email. We kept calling and emailing to follow up but never got an answer. The amount was XXXX on XX/XX/2024 Account number XXXX for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. It was under my business partners name XXXXXXXX XXXX XXXX and I was the one calling and emailing since I was authorized on the account. 
Everytime I called I always got a different person who said they would send an email to the payments department for review.. 
Previously had the same situation about XXXX  years earlier on another account and the same thing. They could not tell us where they applied the money or what it was for...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
My identity was stolen, there are several accounts in question

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 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-03 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-09-03 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
forced placed insurance for wind backdated the policy to XXXX I received the notice in XX/XX/XXXX and the charges for the policy started XX/XX/XXXX The closing documents only stated Homeowners insurance, fire insurance and flood insurance which I have had since closing on my HELOC in XXXX, they will not provide me with the master policy they purchased on my behalf or the binder with the declaration pages or the broker they purchased it from. They are charging me interest on the policy that they divided into a XXXX  month period. I want to pay off my HELOC for the outstanding balance of XXXX but they will not take off the full year policy of insurance they purchased, I can not get anyone to provide me these documents after several emails and phone calls.

Company response to consumer: Closed with explanation