vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I am writing to request the reinstatement and proper reporting of my XXXX  account listed above. After reviewing my records, I now acknowledge that this account was not fraudulent and is, in fact, a valid account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I am a victim of identity theft. Fraudulent accounts were opened in my name with 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 XXXXXXXX {$120000.00} and {$41000.00}, around XX/XX/year>. I did not authorize this account or receive any services from the company ( s ). I discovered it on my credit report and have since filed an identity theft report with the FTC, placed a fraud alert with the credit bureaus, and disputed the account. The company continues to report the debt, which is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion 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 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 2025-08-28 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:
I have previously disputed Experian, Equifax and Transunion 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 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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/XXXX, my identity was stolen to apply for six different credit cards. One application was denied, but XXXX others resulted in open credit accounts. They were opened in-person in the same county I live in, but it was not me. I filed disputes for all the fraudulent accounts, and all but Barclays closed the accounts and removed them from my credit report.

Barclays has investigated my claim three times and still refuses to label the account fraudulent. The initial charge was for {$940.00}. My account is currently closed and past due more than 120 days and my credit is being negatively impacted. 

Here is a history of my interactions with Barclays : XX/XX/XXXX Submitted fraud report via phone XX/XX/XXXX Reopened fraud report via phone XX/XX/XXXX Spoke with XXXX Account Manager ( XXXX XXXX and mailed in the following evidence : - Identity Theft Report - Copy of my California Drivers License for proof of identity - Letters from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all acknowledging that all new credit card accounts from XX/XX/XXXX were fraudulent and the accounts were closed and removed from my credit profile. 

XX/XX/XXXX Spoke with manager ( XXXX ID : XXXX ) who reviewed case and reopened claim. She was able to confirm documents were received in XXXX. My next steps will be to resubmit paperwork as well as write to the Executive Office. 

I will also include new information stating the fake ID used to open the fraudulent XXXX account had a different number than mine. Unfortunately XXXX was unable to give me that information in writing and none of the other companies have access to records that can prove that my the ID used to open the accounts wasn't mine.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-28 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Subject : Dispute of Unverifiable Information under the Fair Credit Reporting Act Dear [ Experian/XXXX  ] : I am writing to dispute information contained in my credit report and to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and related provisions. I request that you conduct a reasonable investigation of any information that can not be verified and, in accordance with law, delete unverifiable items from my file. 

I am not specifying which items I believe are inaccurate or unverifiable in this letter, as I prefer that your investigation apply broadly and comprehensively. Please omit any information that can not be verified as accurate.

Under FCRA 1681i, you are required to investigate disputed information within 30 days of receiving my dispute, unless extended by an additional 15 days under certain circumstances. Additionally, the FCRA mandates that any inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

To assist with your verification process, I am enclosing : A copy of my government-issued ID Proof of Social Security number A document confirming my address ( utility bill or similar ) Please confirm receipt of this letter and these documents. I expect a complete investigation and the removal of any unverifiable information within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
A contract was signed Digitally with XXXX XXXX for a security system that was to be monitored with the promise to lower internet and cell bill. The security system was never monitored, and camera frequently did not work. I tried to dispute the contact several. 
times. The company owned by XXXX XXXX approached me at a local XXXX. 
In the past month I discovered that, and investigation of the company and XXXX XXXX were arrested and charged with financial Abuse of Elderly. Signature 's obtained allowed XXXX XXXX of XXXX XXXX  to ger disbursement from financial institution. 
The arrest was made from the XXXX XXXX  Police Department. I am listed in the investigation as a victim and also a warrant was signed by a judge in my county XXXX XXXX as a police report case number XXXX. 
The company financing I have made payments to is XXXX XXXX. I sent to them the arrest reports and dispute of paying any more this flatulent loan. 
I have received a letter from XXXX XXXX stating after their investigation, the information I sent did not support fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed several inaccurate and unverifiable accounts with all three credit bureaus. These include charge-offs, collections, and a repossession account. Despite sending multiple written disputes by mail and providing supporting documentation, the accounts remain on my credit file and continue to report negatively. 

Examples of accounts still reporting : A XXXX XXXX XXXX XXXX repossession/charge-off showing a past due balance of over {$34000.00}, even after being previously marked in dispute. 

A XXXX XXXX XXXX charge-off for {$2000.00}, reported as a loss by the creditor. 

A XXXXXXXX XXXX  account charged off with a past due balance of {$210.00}. 

Two collection accounts : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( {$2100.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX ( {$760.00} ). 

I have requested deletion under the Fair Credit Reporting Act, specifically FCRA 605B and 611, as the accounts are inaccurate, unverifiable, or continued to be reported after disputes. I gave each bureau more than 30 days to investigate, but I only received form letters stating the accounts were verified without proof or documentation.

These items are damaging my credit and preventing me from obtaining housing and financial stability. The credit bureaus and furnishers are violating their obligations by failing to reasonably investigate and by continuing to report information that is inaccurate and disputed. 

I am requesting that these accounts and inquiries be permanently deleted from all three credit bureau reports and that the furnishers provide verification documentation if they intend to continue reporting.

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
If this was a voluntary repossession then produce the required sheet that I should have signed to do that. 
My Auto insurance was with the very same company it had been with the entire time. You all never sent me a XXXX letter you dont know what the truth is in this I never asked for my truck to be taken and I never would have made three payments at one time just before it was taken illegally. Then you left the truck in my name until XXXXXXXX putting me at risk as you sold the loan and it is totaled out in Iowa in the junk yard. You are so far in left field it is sick. You help arbitration without me because I was sick and it was my XXXX I called XXXX 4 days in a row and she never answered and never got a new date for that you did it without me thats more crimes. Plus you violated my Human rights as a XXXX person. and if all this was not bad enough when I switched to XXXX XXXX XXXX  and stopped at wells Fargo on XXXX XXXX and I XXXX in XXXX and got XXXX dollars out of the wells fargo atm the very next morning wells fargo rewards stole protected XXXX money XXXX dollars out of my bank account. No You were pist because I warned you all if you didnt take the insurance off and put my payment back where it should of been my old man would pull the millions he had invested thru wells Fargo bank turns out he did that before I could even call him. 
You people are insane..

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UMB FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a credit card that is my oldest account to date. I opened this card in XXXX and have used the card off and on for many years. I had not used the card recently, in about the last 3 years. I received a notice from the bank via email on XX/XX/XXXX that I had until XX/XX/XXXX to use the account or it would be closed. I immediately tried to make a purchase on the card to keep the account open and active. Upon doing so, all my attempts to make a purchase were declined. I contacted the bank directly to ask what was happening and they mentioned a hold had been placed on the account but that it would be removed within 3 business days and I would be able to use the card. This call was placed on XX/XX/XXXX. I attempted to use the card on Monday XXXX, Tuesday XXXX, and on Wednesday XXXX, I called the bank back. Upon calling back they told me they closed my account on XX/XX/XXXX, because they bank decided due to my inactivity they were refusing to allow me to make any other purchases to the card to keep it open. 

I escalated the call as high as I could go within the bank, and the woman on the phone show XXXX understanding for my situation and completely disregarded the notice I received and stated she would refuse to re-open my account because I had let it by dormant for as long as it had been. 

I never authorized this bank to close my account, and I was only trying to do the right thing to keep my account active and open by following the advice I received from the bank. As of now, my credit score has dropped by XXXX points due to my oldest card being canceled on me without my permission, and with the bank refusing to assist me to get the account reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion 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 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 2025-08-28 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion 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 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 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their 360 savings accounts. Capital one misrepresented the 360 savings account as having one of the nations highest interest rate, yet failed to notify account holders about the superior rate offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many breaching the consumer financial protection act and the truth in saving act. I see redress for the misleading practices and for not fulfilling their advertised promise.

Company response to consumer: Closed with explanation