vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Inquiries from My Credit Report Dear Equifax, I am writing to formally request the immediate removal of certain inquiries from my credit report. I have reviewed my credit report and identified inquiries that I believe are unauthorized or inaccurate, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute these inquiries. 

The inquiries I am disputing are as follows : 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  According to the FCRA, I have the right to dispute any information that I believe is erroneous or fraudulent. These inquiries were not authorized by me, and I request that you investigate this matter promptly. 

Please remove the unauthorized inquiries from my credit report and provide me with written confirmation once this has been completed. I appreciate your immediate attention to this matter, and I look forward to your response within the 30-day period required by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I filed a fraud claim with Capital One regarding unauthorized transactions on my debit account. I was informed I would receive a provisional credit within 10 business days during the investigation. No provisional credit was issued, and I received no follow-up communication. On XX/XX/XXXX, I was notified the claim was denied without ever being credited or contacted for additional information. 

I have since attempted to escalate this matter through multiple calls. Additionally, Capital Ones official fraud dispute line has been inaccessible during normal business hours, further obstructing my ability to resolve the issue. 

Despite acknowledging the mishandling, Capital One refuses to provide a provisional credit while they re-review my case, leaving me without access to my stolen funds and no clear resolution timeline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have discovered multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. These errors include names, employment, and phone numbers that do not belong to me, as well as multiple hard inquiries that I did not authorize. 

In addition, XXXX XXXX XXXX XXXX has reported an account and/or inquiry in my name without my knowledge or consent. This account is related to identity theft/fraud where I have contacted the credit union and they could not do anything about what happened. I also have reason to believe certain accounts or debts may have been sold or assigned to third-party entities without my authorization or knowledge. I have not received any lawful notice or validation of such transfers. 

XXXX  XXXX is also reporting an inaccurate balance on an account that has already been settled in full. I confirmed directly with XXXX XXXX by phone that the account was settled, yet my credit report continues to show an outstanding balance. 

I filed an Identity Theft Report with the FTC ( Report # XXXX ) and sent dispute letters to all three credit bureaus, invoking my rights under the Fair Credit Reporting Act ( including 15 U.S.C. 1681c-2 ) to block fraudulent information. I also requested verification and documentation of any alleged debts or assignments as required under the FCRA and FDCPA. 

Despite providing proper documentation, the inaccurate, fraudulent, and potentially unauthorized items remain on my credit reports. This continued reporting will violate my rights under the FCRA if more than XXXX business days have passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am arbitrating this agreement under the Truth in Lending Act, the accounting is currently in arbitration and litigation so they should not report anything to the credit bureaus under the FCRA until this is resolved or settled and they just put the account in 60 days delinquent status. This needs to be corrected and deleted from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 
XXXX XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERIFIED XXXX XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED XXXX XXXXXXXX UNVERIFIED XXXX XXXXXXXX UNVERIFIED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 
XXXX XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERIFIED XXXX XXXX UNVERIFIED XXXX XXXX XXXX UNVERIFIED XXXX XXXXXXXX UNVERIFIED XXXX XXXXXXXX UNVERIFIED

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 2025-08-03 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for {$220.00} originally from XXXX ( partial account # XXXX ), but I have never received a notice of debt validation or any formal collection notice in accordance with the FDCPA 809 ( 15 U.S. Code 1692g ). This violates my right to verify the accuracy and ownership of the debt. Additionally, the information reported is inconsistent between bureaus ( e.g., Experian lists it as " Installment '' which is incorrect for a collection account ). I also requested validation in writing, but the company has failed to respond within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of ID theft. I reported to Chase that a number of transactions on my Chase Card were not mine. I did not purchase those goods, nor did I receive them. 

Chase never sent me the results of their investigation and did not correct any owed balance on the card. They cancelled the card, charged it off, and placed a derogatory comment on my credit reports showing an incorrect balance. 

I need this removed and my Chase relationship to be put in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no knowledge or consent to the following accounts or hard inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no knowledge or consent to the following accounts or hard inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Westlake Financial is constantly blocking my payment portal then sending my account to debt collectors.Im sending in payments as I get it because Im paying back taxes to IRS. Next they want extra fee for taking payments over the phone they are definitely a predatory company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Experian ( Violation of 15 U.S.C.

1666b & 1637 ( b ) ) To Whom It May Concern : I am formally disputing the accuracy of the information being reported by Experian on my credit report regarding an account listed as : - Creditor Name : XXXX XXXX - Account Type : Revolving Secured Credit Card - Account Open Date : XX/XX/2023 - Experian Reporting Status : Derogatory Late 30 Days - Comment : Account has been closed due to inactivity. Debt included in or discharged through XXXX  XXXX XXXX Issue : Experian is reporting a XXXX late payment after the account was included in XXXX XXXX XXXX, which was discharged. This reporting is inaccurate and a violation of my rights under federal consumer protection laws. Violations Cited : - 15 U.S.C. 1666b ( a ) : A creditor may not treat a payment as late for credit reporting purposes if the payment was made within the creditors grace period.

- 15 U.S.C. 1637 ( b ) : Creditors must report accurate statements and account activity to consumers.

Reporting a late payment when the account was in bankruptcy protection is materially false and misleading.

Additionally, this appears to violate the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or incomplete information to credit bureaus. Supporting Evidence : Attached is a screenshot from my credit report showing the inaccurate late payment reporting after the bankruptcy filing and discharge. The balance was {$0.00} and the account was closed. No payments were required during the bankruptcy protection period.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 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: OH

Complaint narrative:
I am the victim of identity theft. I filed a new FTC Identity Theft Report after discovering several fraudulent accounts, including XXXX reported by XXXX. I did not authorize, open, or benefit from this account. I successfully used a previous FTC report to remove other fraudulent accounts, but the XXXX account was unintentionally left out and remains on my credit report. I am now formally disputing it. Under the Fair Credit Reporting Act FCRA, I am requesting immediate deletion of this fraudulent account. I am providing my updated FTC Identity Theft Report, proof of identity, and supporting documentation.

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