vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  - Account Number : XXXX * * * * XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * * XXXX * * * * * XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} Inquiries 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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had account with captial one since 2022. I currently have XXXX dollars in checking account. 
Capital one also holding XXXX dollar say its legal hold on money since 2022. I had called both capital one and courts. Had XXXX way call with both of them on phone. Courts said they cant do anything because capital one refuse to send wage levy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am filing this complaint to formally document and escalate my long-standing identity theft case and the persistent negligence of the credit reporting agencies involved.

I have been a victim of identity theft for over a decadedating back to
2013

and have filed numerous disputes with the credit bureaus. Despite providing extensive documentation including police reports, FTC identity theft affidavits, and court documents showing my identity was stolen. the credit bureaus have repeatedly failed to take appropriate and lawful action. Recently, I filed an official complaint with the California Attorney Generals Office and will be retaining legal counsel. The credit bureaus have removed some fraudulent accounts only to reinsert them later, falsely claiming they have verified that I received serviceswhen I did not. This is demonstrably false and deeply damaging to my financial and personal wellbeing. One of the most egregious incidents involved my ex-husband fraudulently obtaining a vehicle in my name using completely falsified employment information. As soon as I became aware, I notified the lender and the credit bureaus. These facts are documented and were provided as part of my previous disputes. The continued mishandling of my identity theft case, reinsertion of disputed accounts, and lack of compliance with the Fair Credit Reporting Act ( FCRA ) are not only negligent but unlawful. I am no longer willing to tolerate this pattern of disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: VA

Complaint narrative:
I believe my FERPA rights were violated regarding my student loan ( XXXX  acct # XXXX ) information, raising safety concerns about unauthorized disclosure of my personal records. Remove Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Between XX/XX/2025 and XX/XX/2025, a new account in collections was added to my report. The collection agency is SOUTHWEST CREDIT SYS. The original creditor was XXXX. I had no knowledge of this debt neither did I give permission for this debt or my information to be sold to a third party vendor according to FCRA 15 U.S. Code 1681b, my report was sold or shared without meeting any of these criteria that is related to this law, which could constitute a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint against Ally Financial regarding a total loss auto claim. Despite multiple attempts to resolve the issue, I have encountered significant delays and unprofessional conduct. 
XXXX XXXX has informed me that they are awaiting a lien release from Ally Financial to process my claim payout. However, Ally has been unresponsive and has not provided the necessary documentation. 
When I contacted Allys customer service, I was denied access to the appropriate department and was not allowed to speak with a supervisor. The representatives were dismissive and did not offer any solutions. 
This delay has caused me severe financial hardship, including the inability to secure a replacement vehicle, which is essential for my employment and daily responsibilities. 

I believe Ally Financials actions constitute unfair and deceptive practices, and I am seeking immediate intervention from the CFPB to resolve this matter. 

Desired Resolution : Immediate release of the lien to XXXX XXXX to facilitate the claim payout. 
A formal apology from Ally Financial for the unprofessional conduct and delays. 
Compensation for any additional expenses incurred due to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company name Chase Bank CLAIM ID : XXXX I moved from XXXX XXXX XXXX and hired a moving company in XX/XX/XXXX I was charged over XXXX dollars Most of my things arrived Broken. I sent Chase Bank complete documents showing Damage and Chase refused to credit me. 
Transaction Date XX/XX/XXXX Company Name XXXX XXXX XXXXXXXX Amount {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 discovered multiple accounts and inquiries that I did not authorize, do not recognize, and have no connection to whatsoever. In XXXX, XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX  - Mortgage - Opened in XX/XX/XXXX ; XXXX - Mortgage - Opened in XX/XX/XXXX ; XXXX - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Unsecured Loan - Opened in XX/XX/XXXX ; XXXX  - Auto Loan - Opened in XX/XX/XXXX ; XXXX  - Installment Sales Contract - Opened in XX/XX/XXXX. 

Additionally, there are unauthorized hard inquiries on my report that I never consented to, further confirming the identity theft. These include : XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX , inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX XXXX  , inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired XXXX XXXX XXXX, XXXX, XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX, inquired XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I discovered multiple accounts and inquiries that I did not authorize, do not recognize, and have no connection to whatsoever. In XXXX, XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX  - Mortgage - Opened in XX/XX/XXXX ; XXXX - Mortgage - Opened in XX/XX/XXXX ; XXXX - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Unsecured Loan - Opened in XX/XX/XXXX ; XXXX  - Auto Loan - Opened in XX/XX/XXXX ; XXXX  - Installment Sales Contract - Opened in XX/XX/XXXX. 

Additionally, there are unauthorized hard inquiries on my report that I never consented to, further confirming the identity theft. These include : XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX , inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX XXXX  , inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired XXXX XXXX XXXX, XXXX, XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX, inquired XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/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 2025-05-29 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: GA

Complaint narrative:
I am writing to file a formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding ongoing inaccurate and inconsistent reporting of a XXXX account across all three credit reporting agenciesTransUnion, Experian, and Equifax. 

Despite having submitted XXXX disputes to each of the three credit bureaus, the account continues to be updated and verified without resolving several critical inconsistencies. This behavior directly violates FCRA requirements mandating the accuracy and completeness of information furnished to consumer reporting agencies. 


Details of the Disputed Account : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Credit Card Status : Derogatory Collection/Charge-off Balance : {$4600.00} Past Due : {$4600.00} Monthly Payment : {$0.00} Credit Limit : TransUnion and Experian : {$5500.00} ; Equifax : {$0.00} High Credit : TransUnion : {$4600.00} XXXX Experian : {$0.00} ; Equifax : {$4600.00} XXXX Opened : TransUnion : XX/XX/XXXX ; Experian & Equifax : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date XXXX Active : TransUnion : XX/XX/XXXX ; Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date of Last Payment : TransUnion & Experian : XX/XX/XXXX ; Equifax : XX/XX/XXXX Inconsistencies Noted : Opening Date differs among bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Credit Limit is reported as {$5500.00} by TransUnion and Experian, but Equifax lists {$0.00}.

High Credit is reported as {$4600.00} by TransUnion and Equifax, but Experian lists {$0.00}.

Date Last Active and Date of Last Payment are inconsistent across all three agencies.

Comments and Account Status vary : TransUnion states Charged off as bad debt ; Dispute resolved Experian states Account was in dispute now resolved ; Unpaid balance reported as a loss Equifax states only Charged off account Credit Card These discrepancies clearly violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, repeated verifications without proper correction or reconciliation of data across agencies are in violation of 1681i ( a ) regarding the reinvestigation of disputed 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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
A debt collection agency has placed an unrecognized collection account on my credit report without providing proper validation, in violation of 12 CFR 1006.34 ( b ) ( 5 ). They have not sent the required information and are reporting this debt anyway.

Ive made previous attempts to resolve this directly with them, but they continue to ignore my rights. I am entitled to {$1000.00} per violation, and Im requesting that they either delete the account immediately or compensate me for the damage caused.

Company response to consumer: Closed with explanation