vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: WI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX  - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
In XXXX of XXXX we cancelled our XXXX account and switched to XXXX XXXX. We had given XXXX XXXX several months to lower our bill since we had been with XXXX XXXX since XXXX of XXXX. It was only after three months and we saw no lowering of our Bill we decided to switch to XXXX. We contacted XXXX XXXX to let them know and asked what our Final Bill was. We were told {$140.00}. We then received a Bill a month later from XXXX XXXX for the same amount. At that time I could no longer access my account on line or phone XXXX XXXX because our account was cancelled. 

So they sent a bill and we could not access the online account. 

We started receiving phone calls from Debt collectors. We explained to them that we had cancelled and could not access the account any longer and did not believe we owed that amount of money. 

The Debt collection agency has been calling several times a day on our voip phone and cell phone and does not leave any messages. My husband spoke with them months ago and explained the situation and they still continue to call and leave no message. 

We just received written correspondence from the Collection Agency and said we owed a disputed balance of {$210.00} even though XXXX XXXX claimed we owed them {$140.00}. I asked the agency who was charging interest or late fees on this amount owed. They did not respond to my question. 

We would like to know how and who kept adding additional monies owed to what was a final bill. Who added {$71.00} to what was already a disputed Bill on our part? Is it legal and under what authority is this permissible? 

They said they would be willing to accept 50 % ( {$100.00} ) and I offered to pay them {$71.00} of the supposed {$140.00} we owed and they would not accept that amount. 

We have excellent credit and always pay our bills on time and in full. We were loyal customers to XXXX XXXX for almost 15 years and always paid our bills. There is no history to show otherwise. We were told what our final bill was and we paid it to them. 

This collection agency has been calling and calling and leaving no message at different times of the day almost every day for months now. 

Again, we offered to pay them {$71.00} to settle a dispute that we do not believe was even a correct amount and they refused to accept that and would not explain to me who was charging interest or late fees on what was apparently a Final Bill owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: DE

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 explanation
Consumer complaint received 2025-07-16 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I received an email from Capital One on XX/XX/year>, stating that all of my accounts would be closed due to activity that is inconsistent with typical customer account usage. However, no further explanation or specific details were provided regarding what activity triggered this decision. 

The email also stated that : My accounts are restricted and I am unable to withdraw funds or complete pending transactions. 
I wont be able to open any other Capital One bank accounts in the future. 
Any eligible funds will be sent by check or transferred once the account is closed, pending the resolution of any claims. 

This action has caused significant disruption, as I was not made aware of any suspicious activity prior to this closure. I have not been provided with any formal warning or opportunity to resolve the issue, nor have I been given clear information about what exactly led to the restriction and closure of my accounts. 

I am requesting : 1. A full explanation of the reason behind this account closure.

2. Immediate access to any available funds in my accounts.

3. Confirmation that my consumer banking history has not been negatively impacted without just cause.

I believe this may be an error or misunderstanding, and I am asking for the CFPBs assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
A fair resolution would be : The permanent deletion of the late payment entry reported by XXXX Account # XXXX, since the creditor failed to provide any advance notice or delinquency notification before reporting the missed payment. 

Written confirmation from XXXX  that the disputed late mark was reinvestigated and removed due to lack of verification from the furnisher. 

An updated copy of my credit report reflecting the removal of this inaccurate late payment. 

This correction is warranted under FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ), all of which require accurate, complete, and verifiable information to be reported. Im simply requesting compliance with federal law and fair treatment as a 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 explanation
Consumer complaint received 2025-07-16 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: WA

Complaint narrative:
I am formally disputing the presence of unauthorized accounts appearing on my credit report. I have never opened, authorized, or managed these accounts, and their appearance is both inaccurate and misleading. This false reporting significantly damages my credit profile and raises serious concerns about potential fraud or identity misuse. 
I take the integrity of my financial records seriously. I demand a thorough and immediate investigation into these accounts. If they can not be fully verified as belonging to me, they must be permanently removed from my credit report without delay.

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 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
LOANCARE Account number XXXX Issue : Improper credit reporting COVID-19 hardship plan reported as delinquent Product : Mortgage Category : Credit reporting What happened? 

During the COVID-19 pandemic, I entered into a mortgage forbearance or payment deferral plan with my lender, who told me : My account would not be reported delinquent I would be placed on a 3-month deferment or modified amortization schedule The missed months would be moved to the end of the loan, and I would be protected under the CARES Act hardship program Despite making the required payments under this agreement, the lender reported my account as 120 days delinquent for over a year. 

This severely harmed my credit and violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 4021/ CARES Act which prohibits reporting borrowers as delinquent if they entered into a COVID hardship plan and made agreed-upon payments CFPB Bulletin XXXX requiring clear disclosure of credit reporting impacts for COVID-19 accommodation plans They never told me this would happen. In fact, I was told this was a form of assistance and that it would not impact my credit report. I only learned of the 120-day late marks when I pulled my credit report recently.

What Im requesting :

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, or unverifiable information reported by the following companies to one or more consumer reporting agencies : [ Insert company names e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, etc. ] These companies may have violated the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws by engaging in the following : Reporting inaccurate or unverifiable information to consumer reporting agencies without conducting a proper investigation or ensuring the accuracy of the data, in violation of 15 U.S.C. 1681s-2 ( b ).

Failing to provide proper notice of adverse actions or their intent to furnish negative credit information, which is required under 15 U.S.C. 1681m.

Continuing to report disputed items without marking them as " in dispute '' or failing to properly investigate disputes within the required 30-day timeframe ( 15 U.S.C. 1681i ).

Including accounts that were discharged in bankruptcy or otherwise resolved, in violation of consumer protections under federal bankruptcy law and the FCRA.

Reporting accounts or collections past the allowable time limits ( typically 7 years ) as defined under 15 U.S.C. 1681c ( a ). 

Using deceptive, unfair, or abusive acts or practices ( UDAAPs ) under the XXXX XXXX XXXX Reform and Consumer Protection Act, enforced by the CFPB. 

I have made attempts to resolve these issues directly with the companies and/or credit bureaus and have not received an appropriate resolution. These negative marks are causing unjust harm to my creditworthiness, and I believe they are inaccurate or otherwise unlawful.

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 2025-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I opened a savings acc. with OpenBank NA.I funded the account from my XXXX XXXX  checking acc on XX/XX/XXXX XXXX tried to access the account but it says they have to send my phone a code and they never do.the only way to talk to them is to call their phone number and again they send a code to my phone that never arrives.I want my money back and I want this Bank closed for fraud.

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 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-07-16 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: DE

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief