vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted formal disputes regarding inaccurate account and personal information to TransUnion, Experian, and Equifax. The bureaus failed to complete a proper reinvestigation within 30 calendar days, as required by the Fair Credit Reporting Act under 611 ( a ) ( 1 ) ( A ). No supporting documentation or method of verification was provided to confirm the accuracy of the disputed information. Per 611 ( a ) ( 5 ) ( A ) ( i ), all unverifiable data must be deleted. Their failure to respond appropriately violates 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services, Experian ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-07-25 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: WA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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, XXXX XXXX XXXX, am a XXXX XXXX XXXX XXXX. I discovered that fraudulent accounts and unauthorized credit inquiries have been made using my personal information without my knowledge or consent. 

Specifically, I did not open or authorize an account with XXXX XXXX XXXX ( Account XXXX : XXXX ), which reports a balance of {$2300.00} and reflects on my credit report. Additionally, there are unauthorized credit inquiries from XXXX and XXXX XXXX XXXX, which I also did not authorize. 

I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ) to document this crime. I am requesting that all fraudulent accounts and inquiries be permanently removed from my credit report and that the credit bureaus comply with their legal obligation under FCRA XXXX XXXX to block and delete this information. 

I am providing this statement as part of my formal dispute and request for investigation. I respectfully ask for the CFPBs assistance in ensuring this matter is resolved properly and that my consumer rights are fully enforced.

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 2025-07-25 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 formally dispute a late payment entry that appears on my credit report. Based on my payment records, this entry is not only inaccurate but also unjustly damaging to my credit standing. I have consistently fulfilled my financial responsibilities on time, and this reporting misrepresents my payment behavior.

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 2025-07-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/year>, I visited a Chase Bank branch to inquire about refinancing my auto loan. I specifically asked if checking for refinancing options would result in a hard credit inquiry. I was told by the Chase representative that no hard inquiry would be performed, and that it would only be a soft pull to check rates. 

Based on that information, I allowed them to proceed with the inquiry process. I ultimately declined the loan offer because the XXXX was too high and did not accept or finalize any loan. 

However, in XX/XX/year>, I noticed a hard inquiry from Chase Auto Finance on my credit report, which lowered my credit score by approximately 10 points. I called Chase customer service to request removal of the inquiry since I was misled and did not authorize a hard pull. I was told that nothing could be done, even though the inquiry was made under false pretenses and no loan was taken. 

This has unfairly harmed my credit standing and was done without my informed consent. I am requesting that Chase remove the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a strange email saying I requested a link. The email did not explain what the link was for. I did not click anything in the email. I instead went to my account to check it on things because I had not accessed my account that day. When I checked my account my cashback balance was nearly completely gone. I have never converted my cash back to gift cards so I am not 100 % sure the process but have since done a lot of research online about the steps that would be needed. I did not do any of those things. Additionally, I have not received the communication that according to their FAQs I would receive when someone cashes in their cash back for gift cards. My account shows that I do not have any gift cards purchased so not only does it show I never redeemed my cash back, but I also have no access to the gift cards they claim I purchased because it is not in my account where they say it should be. I have told them this numerous times. I believe based on several fact that what likely happened is that they have some type of system error, but they refuse to acknowledge the possibility. Given that my account doesnt show this transaction and I have no emails from them about it and the fact that the only time I logged into my account the day it happened was after I received an email stating I requested a link ( again, did not click any links in this email ) and that by that point my money had already been wiped out, I believe they have a glitch they refuse to either look into or acknowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reward miles with Capital One. They represent that you can transfer these miles to their partner airlines. I have tried numerous times over the past month and their website will not let me do it. I have satisfied their requirements for the transfer : the airline rewards account I am trying to transfer to has the same name as my Capital One account. The information I enter into the transfer website is correct from the standpoint of my name and the XXXX reward account number. Yet, every time I get the error message : " The information you have entered is not valid...... '' But it is valid. I have talked to their customer agents on XXXX occasions within the last month, who have no clue how to fix this problem. I keep getting transferred back and forth to someone who does not know anything. I feel this is deliberate on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: HI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-25 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of my student loan account on my credit report based on violations of the Family Educational Rights and Privacy Act ( FERPA ). I recently reviewed my records and have reason to believe that my educational information was disclosed to the credit bureaus without my explicit consent, thereby infringing on my rights under FERPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX, my vehicle was repossessed due to losing my job due to lack of work. Months before I contacted American Honda finance to let them know I was trying to make a payment to attempt to try and catch back up on my loan payments. They declined my offer then soon repossessed my vehicle. I never received any information that the vehicle was sold off to an auction. I havent received any mail, text, or phone calls etc to inform me. AMERICAN HONDA FINANCE broke legal code uniform commercial code which requires a reasonable notice and I havent received that. American Honda finance contacted me not long ago asking to pay off the remaining balance of {$10000.00} and they didnt even me a XXXX  day notice after the vehicle was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXXDo to file upload limitation, I have mailed a Documentation Packet to the CFPB, to be received onXX/XX/XXXX Tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX"Following a demand letter I sent via certified mail, a Chase executive reached out to me. However, this was after months of mismanagement and failure to properly investigate identity theft, despite my repeated efforts and documentation. I am filing this complaint to ensure this situation is formally documented and to pursue accountability for the distress and time this has caused."'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i recently pulled my credit report and noticed a account that does not belong to me. It was for pet care service. I have never owned a pet. i contacted the company and was informed to report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing in response to ALDOUS received regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. 
* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CT

Complaint narrative:
I never authorized nor was aware of the fraudulent accounts listed on my credit report. In compliance with USC 1681g, I am asserting my right to have these accounts permanently deleted within 15 days. Enclosed are documents substantiating my identity and dispute.

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 2025-07-25 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: KY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate ; Transunion : Account Name : 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 2025-07-25 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: IA

Complaint narrative:
I recently got the latest copy of my report and noticed multiple inaccurate accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IA

Complaint narrative:
I recently got the latest copy of my report and noticed multiple inaccurate accounts that do not belong to me.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation e. These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation