vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: FL

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-09-10 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: PR

Complaint narrative:
HELLO, ID HAVE BEEN VICTIM OF IDENTITY THEFT, AND IN MY CREDIT REPORT AND ADRESS THAT IS NOT MINE SHOWS IN MY REPORT THE ADRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX I THINK SOMEONE FROM XXXX IS TAKING MY IDENTITY, THAT HURTS MY CREDIT, HARD INQUIRIES ON EQUIFAX AND XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Claim ID : XXXX. I placed this Order on XX/XX/XXXX, and within XXXX minutes after I made the payment, I requested to cancel it and contacted the Seller also. But Seller rejected the request, with the reason of Seller already shipped the item, which they didn't. They created the label on XX/XX/XXXX and the item was picked up on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and told them the details. Their customer service told me that they would create a dispute and she confirmed that the Seller can only issue me a refund within 3 days. I have the phone recordings and she confirmed this many times. But the customer service put the incorrect reason for the dispute of not received the item. But the Seller still shipped the item and didn't refund it. Then I called XXXX on XX/XX/XXXX and their customer service told me that if I don't receive the item before XX/XX/XXXX, then they will refund me. Now I received this item on XX/XX/XXXX but it's defective. I called XXXX but they put the dispute on hold. So I contacted my Bank to open a dispute. Now XXXX told me that they closed XXXX 's dispute because I opened the Bank dispute. These two disputes should be separate but now XXXX refused to do anything. 

It should be refunded to me, with or without returning the item. The reasons are : ( XXXX ) I requested to cancel this order for the reason of incorrect payment method on XX/XX/XXXX. You rejected this request with the reason of Seller already shipped the item on XXXX. However, you created this shipping label on XX/XX/XXXX and it was picked up on XX/XX/XXXX, both after I requested to cancel. ( XXXX ) This item should be delivered by XX/XX/XXXX, but it was actually delivered on XX/XX/XXXX. ( XXXX ) The item is defective. The condition is not acceptable for a collectable trading card.

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 monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: WA

Complaint narrative:
In XXXX of XXXX, a sales person came to our door to sell solar panels. We discussed the options with them, allowed a credit check, deiced not to proceed, and moved on. Later we found an open loan for {$15000.00} with them on our credit report. We informed the company that this was a mistake, they agreed and filed a cancellation request in their company as well as their parent company. The parent company had filed for bankruptcy and had placed a hold on all cancellations. No payments where made, but the account remained open. We assumed because the company was open and appeared to be making an effort that it would be sorted eventually. Now in XXXX of XXXX, they have sent a new email claiming to have created a new XXXX that the payments should be made to starting this month. After discussing with legal council and reviewing digital loan documents that we had not seen, it appears our signatures from the credit check authorization were transcribed to the loan documentation and it was not a mistake as previously assumed. As of now the company has not responded and we are perusing further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are criminals hacking my phone numbers of XXXX and XXXX. I have notified the local police and the criminal division. Someone mustve called in to close my accounts. I had four accounts opened yesterday. I was sick and I forgot to pay yesterday. I tried to pay today, however, it was restricted. I am also dealing with the death of my mother and I am having a slight financial decline. Losing the cards ending in XXXX XXXX XXXX would lower my credit score. What is the problem?, I never missed more than one payment. There were four cards opened yesterday. A hacker mustve called into close two of my accounts. There are now, only, two opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-10 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: CT

Complaint narrative:
I have explained that my SSN and personal identifiable information was used by my ex husband as he used it to use and destroy my credit with XXXX XXXX XXXX card at the same time frame. I understand they can show information that sadly my ex husband at that time my husband going through a high conflict divorce opened accounts using my personal information signed leases using my name and credit and I have made legal records in my divorce and for numerous years to reporting agencies. XXXX was opened many years prior WITHOUT my knowledge. I have been fighting severe theft of my identity and XXXX XXXX  for 15 plus years by my now ex husband. I see that XXXXXXXX XXXX  was removed from my Equifax report and I need it removed from my Experian and XXXX  It has been closed since XXXX XXXXnd I have been fighting this incorrectly at times as I never had to deal with financial abuse until this incident. It has destroyed my peace my identity and caused significant damage for 15 years and is post separation abuse. There needs to be laws to protect victims of this kind of XXXX XXXX  coercive control falls under the legal umbrella of dv in most states.

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 2025-09-10 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: CT

Complaint narrative:
I have explained that my SSN and personal identifiable information was used by my ex husband as he used it to use and destroy my credit with XXXX XXXX XXXX XXXX at the same time frame. I understand they can show information that sadly my ex husband at that time my husband going through a high conflict divorce opened accounts using my personal information signed leases using my name and credit and I have made legal records in my divorce and for numerous years to reporting agencies. XXXX was opened many years prior WITHOUT my knowledge. I have been fighting severe theft of my identity and XXXX  abuse for XXXX plus years by my now ex husband. I see that XXXXXXXX XXXX  was removed from my XXXX  report and I need it removed from my XXXX  and TransUnion. It has been closed since XXXX  and I have been fighting this incorrectly at times as I never had to deal with financial abuse until this incident. It has destroyed my peace my identity and caused significant damage for 15 years and is post separation abuse. There needs to be laws to protect victims of this kind of XXXX XXXX coercive control falls under the legal umbrella of dv in most states.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a written dispute to the credit bureau regarding inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency is required to conduct a reasonable investigation and respond to a consumer dispute within 30 days of receiving it. 
As of today 's date, XX/XX/year>, more than 30 days have passed and I have not received any response from the credit bureau. This is a direct violation of the FCRA 's time requirements for responding to disputes. 
Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) states that if the disputed information can not be verified within the 30-day period, the credit reporting agency must delete the information from the consumers credit file. 
The credit bureaus failure to investigate and respond within the required time frame, as well as their lack of communication, constitutes noncompliance with federal law and has caused unnecessary delays in correcting inaccurate data 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I filed a fraud claim on XX/XX/year> with Capital One. I called customer service multiple times, asking if they could send my money to the external bank account, but I got a different story each time from the representatives. One representative told me that she could transfer my money to my external account since the investigation is closed, another representative has told me it is still ongoing and that I have to wait for a check in the MAIL. I am only getting different stories from them. I have talked to supervisors as well, but once again, I am only getting different stories. But I have been waiting for over 2 months now. I refused to receive a check in the mail due to the risk of it being lost or stolen. However, Capital One has not provided me with any information about the issue and only says it is an ongoing investigation. They are holding my money from me... I have bills and rent to pay, but they are not considering that. Instead, they keep my money hostage for over 2 months, and who knows how long that will take. I NEED my money in the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Apple Financing LLC
State: OH

Complaint narrative:
I reached to all companies to show proof that this was my debt I dont recognize this company at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : DEPTEDXXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning I saw that inaccurate accounts are still appearing on my credit report, and it left me completely frustrated and confused. I checked multiple times and even refreshed my browser, but nothing changed. I need the documents Ive already submitted to be reviewed carefully so this can finally be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Statement of Dispute : I am disputing inaccurate late payment reporting on my credit file. The credit bureaus are reporting inconsistent and conflicting information, which means the alleged delinquencies can not be accurate. 

The discrepancies are as follows : Experian reporting a late payment for XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 

XXXX XXXX reported as late by Equifax ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ). 

TransUnion reporting a late payment for XXXX XXXX in XX/XX/XXXX. 

XXXX Account reported as late by Experian ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). 

Because these dates and accounts are reported inconsistently across the bureaus, the information is unreliable and inaccurate.

Requested Resolution : Immediate deletion of all reported late payments listed above.

Written confirmation that these inaccurate entries have been removed from my credit file. 

Respectfully, 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Statement of Dispute : I am disputing inaccurate late payment reporting on my credit file. The credit bureaus are reporting inconsistent and conflicting information, which means the alleged delinquencies can not be accurate. 

The discrepancies are as follows : Experian reporting a late payment for XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 

XXXX XXXX reported as late by Equifax ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ). 

TransUnion reporting a late payment for XXXX XXXX in XX/XX/XXXX. 

XXXX Account reported as late by Experian ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). 

Because these dates and accounts are reported inconsistently across the bureaus, the information is unreliable and inaccurate.

Requested Resolution : Immediate deletion of all reported late payments listed above.

Written confirmation that these inaccurate entries have been removed from my credit file. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both wrongful and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief