vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that I am the victim of identity theft, and to request the immediate blocking of fraudulent information appearing in my credit report maintained by XXXX, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ].

The following accounts were fraudulently opened and do not belong to me : XXXX XXXX XXXXXXXX  XXXX Date Opened XXXX XXXX, XXXX Account Status CHARGE_OFF XXXX XXXXXXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account status Closed Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
The information contained in these reports is incorrect. I have attached copies of the letters previously sent to each credit bureau. I have disputed these items multiple times and have also filed an identity theft report. 

Unfortunately, there was no option available to select multiple errors during the dispute process. In step 3 of this complaint, I selected one of the issues and am detailing the remaining concerns here. 

Specifically, there is inaccurate information being reported, as well as unknown and unauthorized inquiries listed on my report. Additionally, I have requested supporting documentation related to these accounts and inquiries, but have not yet received a response. 

I appreciate your prompt attention to these matters and look forward to resolving them as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX pulled my TransUnion credit report twiceon XX/XX/2023, and XX/XX/XXXX, XXXXwithout my permission, without a permissible purpose, and with no reason listed. I have never had any relationship with this company, and I did not authorize these inquiries in any form. This is a clear violation of FCRA 1681b ( f ). TransUnion also failed to ensure a valid purpose before publishing the inquiries, which violates FCRA 1681e ( a ). Im demanding both inquiries be removed immediately and that I be compensated {$2000.00} for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I am writing to formally request the removal of a fraud alert and consumer statement that has been placed on my Experian credit file without my authorization. I have not filed any report of fraud or identity theft, nor have I requested the addition of any consumer statement or alert related to fraudulent activity. 

This alert was placed without my consent or prior notice, and its continued presence may negatively impact my credit applications or cause confusion among lenders. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain only accurate and authorized information, and that includes consumer statements or alerts. 

Therefore, I am requesting the following actions : 1. Immediate removal of the fraud alert or consumer statement from my Experian credit file ; 2. A written explanation of when and how the alert or statement was added, including what documentation or communication was used to initiate it ; XXXX. Confirmation that my credit report has been updated to reflect this correction. 

Please provide written confirmation once this removal has been completed. I appreciate your prompt attention to this matter and expect resolution in accordance with my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NJ

Complaint narrative:
I opened a checking and savings account with XXXX XXXX XXXX XXXX XXXXXXXX Texas Capital Bank and transferred most of my money from my previous Bank XXXX  month ago on the XXXX of XX/XX/2025 and still can't transfer money between the checking and savings accounts I made with XXXX accounts and the debit card I was mailed doesn't work either because of the account restriction. So, I effectively have XXXX access to any of my money. I have deposited XXXX separate checks from my job with XXXX XXXX  mobile deposit feature and all of those checks can go into the XXXX  accounts just fine as well as transfers I make from my other bank account but as soon as they're actually in the bank accounts I can't move or use the money anymore. I've called customer service XXXX separate times now over the course of this past month and am told every time someone from the accounts team will get back to me so I will wait a week before calling again and have gotten no calls or emails back I've also been told that my case has supposedly been escalated XXXX separate times now but have still heard nothing back in any form. this is going on a month now and I have rent and medical payments I need to make, and this is going to turn my life upside down soon if I can't get this resolved. A callback or some transparency on why my account was restricted would be greatly appreciated and if I could do anything to help or expedite the process I will gladly do so as calling the customer service number has failed to help me in any way for a month straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 non-monetary relief
Consumer complaint received 2025-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and its coming back as updated & verified without a proper investigation. the company failed to send me any of the information i requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase allowed a legal hold to be placed on a custodial account belonging to me, a XXXX  at the time, to satisfy legal fees tied to my parent. I was never notified, the funds were my own from employment, and I was not the defendant in the case. I want my funds returned and the hold investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Capital One / XXXX  Credit Card XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Charges and Request for Account Review Dear Capital One/XXXX  Credit Card Services , I am writing to formally dispute charges made to my XXXX  Credit Card account , which occurred due to unauthorized and unintentional use of a virtual credit card that was added to my XXXX account without my knowledge or consent. 

XXXX changed the default payment method on my online account from my XXXX card to a XXXX virtual credit card issued through your service. As a result, when I placed several grocery ordersintending to use my XXXX  card as I always doapproximately {$1100.00} was initially charged to the virtual XXXX  Credit Card. That balance has now grown to {$1300.00} due to interest and fees. 

I contacted XXXX immediately when I noticed the error and was told there was nothing they could do. I then contacted Capital One and was told that I needed to speak with XXXX, since they made the change. I was sent in circles with no resolution, and neither party took responsibility. Despite my attempts to fix the situation, the charges remained, and the account was charged offseriously damaging my credit. 

This situation has had a devastating effect on my life. I am a single mother of XXXX boys. I receive no help from their father and have no family support. It is just me, doing everything I can to provide for my children. Ive worked incredibly hard to rebuild my credit from a score of XXXX to XXXX over the last XXXX years, making every payment on time and using my credit responsibly. That hard work was completely undone by something I did not authorize or even know about. 
My credit score has now dropped from XXXX to XXXX in just XXXX months. That kind of loss directly affects my ability to rent or buy a home for my children and to access essential credit. My kids depend on me, and I depend on my credit to provide them with stability. This situationcaused by an automatic and unauthorized change in payment methodhas placed an unnecessary burden on our lives, and yet no one has taken accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: UT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-11 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: NV

Complaint narrative:
b'I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act (FCRA), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be  removed or permanently deleted from my credit profileXXXX XXXX XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX BALANCED XXXXXXXX XXXX XXXX XXXX XXXX BALANCED XXXX XXXX XXXX BALANCED XXXX XXXX

Company response to consumer: Closed with explanation