vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TN

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax ( Hard Inquiries on creditUnder 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax ( Hard Inquiries on creditUnder 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my credit report, there is a collection account with the collection agency XXXX XXXX XXXX stating that the original creditor is XXXX XXXX. The reality is that I had no knowledge of having that initial balance, much less that it was going to collections. I feel my rights were violated by not having the opportunity to defend myself or resolve the situation before it was reported to my credit and affected me in this way, as has happened now that I am finding out I have a collection only when I applied to use my credit, and the person assisting me told me they could not approve me because one of their requirements is that I do not have any accounts in collections. I attempted to request debt validation, but it was not provided. I informed the credit bureaus of this situation, and they stated that the account was verified by the creditor ; however, I believe that validating a report simply by confirming the existence of the debt is yet another violation, because while the debt may exist, it was never discussed or attempted to be collected before negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-12 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$7100.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2800.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00}. XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau against TransUnion, Equifax, and Experian for continuing to report fraudulent accounts on my credit file despite my providing proof of identity theft, including a police report and an FTC Identity Theft Report. 

On XX/XX/XXXX, I filed a police report with the XXXXXXXX XXXX XXXX  ( Case No. XXXX ) documenting that XXXX XXXX XXXX used my personal identifying information without authorization to obtain credit and services. I also filed an FTC Identity Theft Report ( FTC Report No. XXXX ) that lists the fraudulent accounts. 

The fraudulent accounts are : First Premier Bank Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$650.00} XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$150.00} XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX Amount : {$710.00} XXXX XXXX XXXX XXXX Account No. XXXX XXXX began : XX/XX/XXXX Amount : {$450.00}

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 2025-08-12 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-08-12 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: SC

Complaint narrative:
I am submitting this complaint to formally dispute multiple unauthorized inquiries, fraudulent accounts, and inaccurate personal information appearing on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) 602A, 604, 609, 611, 623, and 1681i, I request immediate investigation and removal of all unverifiable and inaccurate items. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent / Not Mine Accounts : XXXX XXXX XXXX XXXX ( Identity Theft ) Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX Not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year>

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Chase XXXX XXXX, I am XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. We are a XXXX XXXX XXXX 

On XX/XX/year>, our company processed XXXX separate high-value transactions totaling more than {$35000.00} from a customer using a Chase-issued credit card via WePay ( a Chase-owned payment processor ) .

Key Points : 1. All payments were entered directly by the customer into a secure Chase/WePay payment link my business never handled or keyed in card details.

2. The cardholders account was with Chase Bank, and Chase/WePay processed the transactions, meaning Chase acted as both the card issuer and the payment processor.

3. When I contacted Chase Merchant Services regarding the first hold, I was told the only issue was my weekly transaction limit of {$15000.00}. No fraud concerns were disclosed.

4. I relied on this representation and released the goods after confirming the transactions in both my POS system and Chase online banking.

5. WePays Trust & Safety team later informed me the payments would not be processed due to proprietary guidelines and advised me to refund the buyer. The customer has since disappeared, and the goods are gone.

6. I have filed a police report ( Case # : [ XXXX ] ) and opened a claim with Chase. 

Given Chases role as both issuer and processor, your systems had full visibility into potential fraud. The failure to block XXXX high-value, card-not-present transactions and the misrepresentation of the hold as a weekly limit issue directly caused my loss. 

Requested Actions : - Provide a full written explanation for why these transactions were approved and why I was told the only issue was a weekly limit. 
- Offer compensation or partial reimbursement for losses caused by repeated system failure and miscommunication. 
- Outline corrective measures to prevent similar failures impacting other merchants. 

This matter is also being reported to the Consumer Financial Protection Bureau and the Texas Attorney Generals office. 

I appreciate your urgent attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/XXXX I called capital one about my charged off account ending in XXXX. Capital One has been lying on my credit report by reporting I have never made payments, this is a BIG lie and I have made payments. Capital one representative ID XXXX was unprofessional by creating legal terms he is not qualified to interpret. Capital One is causing false information to get circulated by their employees affecting my case which is settled with their illegal tactics employed to cause harm to my credit due to their greed driven desires. Capital One put me on hold for 30 minutes and hung up which is less than friendly when I as their customer try to fix this issue which they themselves have caused over the years.

Capital One employs illegal tactics and report LIES and false information to all Credit bureaus for their greed desires. I have asked Capital One to look into their attorney who violated my rights by distributing my personal information to criminals on the dark web, Capital One has also employed this tactic for years ever since I became their customer in XXXX it has started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation