vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Capital One credit card was paid off in full and placed under Capital Ones marketed account lock feature, which is promoted as preventing the card from being charged. Despite the account being locked, Capital One posted a {$39.00} annual fee on XX/XX/year>, then added a {$25.00} late fee on XX/XX/year> ( less than 30 days after the charge ), a {$40.00} past-due fee on XX/XX/year> ( less than 60 days from the original charge ), and {$0.00} in interest. I received no notification that Capital One initiated any charges on the locked account. I discovered the balance only during a quarterly review. 

When I contacted Capital One, the representative repeatedly stated that the Terms and Conditions supersede the marketed locked-account feature. I explained that I understand the XXXX XXXX XXXX, but the marketing representation combined with the lack of any notice is materially deceptive. The account lock is marketed as a protection, yet Capital One bypassed it with internal fees, allowed the account to become delinquent, refused to refund the fees, and stated that the account could be reported as 30 days past due. 

This practice is materially deceptive, unfair, and not reasonably avoidable, because a reasonable consumer relies on the advertised protection of the lock. At scale, this creates a profitable and misleading system in which locked accounts continue generating annual fees, late fees, and interest without consumer awareness. The absence of notifications, combined with reliance on fine print over marketed claims, creates significant consumer harm and financial exposure. 

The card has not been used since XX/XX/year>, was never reactivated, and has been stored in a safe. These charges are entirely the result of Capital Ones internal billing processes and not consumer activity. 

I am requesting that Capital One refund all fees and interest, prevent any negative credit reporting, correct this deceptive mismatch between the marketed function of the account lock and how it operates, and add full, clear, and obvious disclosure directly next to the account lock feature on their website stating that the lock does not prevent internal charges from posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
This complaint concerns the reporting of fraudulent and unauthorized accounts that do not belong to me. I have notified the credit bureaus and the furnishers that these accounts are not mine and were opened without my knowledge or permission. Despite this, the inaccurate information continues to be reported. 
Under the Fair Credit Reporting Act ( FCRA ) 602, 604, 605, 607 ( b ), and 611, consumer reporting agencies and furnishers are required to report only accurate, verifiable information and must conduct a reasonable investigation when a dispute is filed. These accounts can not be verified as belonging to me because they are fraudulent. 
Additionally, XXXX XXXX reporting guidelines require furnishers to report data with maximum accuracy and to remove or correct unverifiable or fraudulent information immediately. Continued reporting of accounts that can not be authenticated is a violation of both FCRA accuracy requirements and XXXX XXXX compliance standards. 
I am requesting CFPB enforcement to ensure these fraudulent accounts are fully investigated and permanently deleted from my credit reports. I also request confirmation that all furnishers and bureaus have corrected my file and removed every unauthorized account associated with identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am a confirmed victim of identity theft due to the Equifax data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within XXXX ( 4 ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance

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 2025-11-20 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: TX

Complaint narrative:
I am filing this formal complaint against XXXX for repeatedly reporting inaccurate, unverifiable, and misleading information on my credit file. The items listed below include wrong addresses, accounts that do not belong to me, fraudulent charge-offs, misreported collection accounts, and multiple unauthorized hard inquiries. I have disputed these items with XXXX but they continue reporting them without proper reinvestigation, which violates FCRA Sections 602, 603, 604, 607, 609, 610, 611, and 615. I am requesting CFPB intervention to force XXXX XXXXo conduct a lawful investigation and delete all unverifiable records. 
WRONG ADDRESSES REMOVE IMMEDIATELY ( FCRA 607 ( b ) ) XXXX XXXX XXXX XXXX XXXX  Wrong Address I have never lived at, used, or provided this address to any institution. This incorrect address increases identity theft risk and must be removed. 
CHARGE-OFF ACCOUNTS NOT MINE, REMOVE ( FCRA 611 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$500.00} Charge Off * * I have no knowledge of this account, never opened it, and never authorized it. Provide full verification or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} Charge Off * * I do not recognize this account. No application, paperwork, or contract exists with my name. Remove if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$420.00} Charge Off * * I never opened this account and have no connection to this company. This reporting is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$320.00} Charge Off This account is not mine. I never applied, signed, or used any service with this lender. Delete immediately. 
UNAUTHORIZED INQUIRIES REMOVE ( FCRA 604 No Permissible Purpose ) XXXX XXXX XX/XX/XXXX Unauthorized and not initiated by me. 
REQUEST FOR CFPB ACTION I request that the Consumer Financial Protection Bureau investigate XXXX  failure to maintain accurate reporting, failure to properly reinvestigate disputes, and failure to remove unverifiable information. I am requesting CFPB to order XXXX to delete all wrong addresses, fraudulent accounts, incorrect charge-offs, false collections, and unauthorized inquiries from my credit file 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 non-monetary relief
Consumer complaint received 2025-11-21 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: NC

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

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 2025-11-21 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: NC

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

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 2025-11-20 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: TX

Complaint narrative:
I am filing this formal complaint against Experian for repeatedly reporting inaccurate, unverifiable, and misleading information on my credit file. The items listed below include wrong addresses, accounts that do not belong to me, fraudulent charge-offs, misreported collection accounts, and multiple unauthorized hard inquiries. I have disputed these items with Experian but they continue reporting them without proper reinvestigation, which violates FCRA Sections 602, 603, 604, 607, 609, 610, 611, and 615. I am requesting CFPB intervention to force Experian to conduct a lawful investigation and delete all unverifiable records. 
WRONG ADDRESSES REMOVE IMMEDIATELY ( FCRA 607 ( b ) ) XXXX XXXX XXXX XXXX XXXX Wrong Address I have never lived at, used, or provided this address to any institution. This incorrect address increases identity theft risk and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address I have never used this address for any purpose and it does not belong to me. Remove immediately under FCRA. 
CHARGE-OFF ACCOUNTS NOT MINE, REMOVE ( FCRA 611 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$500.00} Charge Off * * I have no knowledge of this account, never opened it, and never authorized it. Provide full verification or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} Charge Off * * I do not recognize this account. No application, paperwork, or contract exists with my name. Remove if unverifiable. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$420.00} Charge Off * * I never opened this account and have no connection to this company. This reporting is inaccurate and must be deleted. 
UNAUTHORIZED INQUIRIES REMOVE ( FCRA 604 No Permissible Purpose ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized access to my credit file. 
XXXX XXXX XXXX XX/XX/XXXX I did not give permission for this inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not mine. No permissible purpose. Remove immediately. 
REQUEST FOR CFPB ACTION I request that the Consumer Financial Protection Bureau investigate Experians failure to maintain accurate reporting, failure to properly reinvestigate disputes, and failure to remove unverifiable information. I am requesting CFPB to order Experian to delete all wrong addresses, fraudulent accounts, incorrect charge-offs, false collections, and unauthorized inquiries from my credit file 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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo fraudulent opened an account using my personal information. identity theft, they refuse to provide any information and compensation. tracking number i received was # 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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have been requesting information on accuracy of my debt owed to XXXX commenity. I have been requesting information on who now owns my debt. I have never received written notice from this mystery creditor who owns my XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am a confirmed victim of identity theft due to the XXXX data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from XXXX that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance

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 2025-11-20 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 filing this complaint regarding multiple accounts that are being incorrectly reported under my name. These accounts do not belong to me, and I have never opened, authorized, or managed any of them. It is clear that my credit information is being mixed with someone elses, resulting in inaccurate and misleading data being attached to my credit file. 

This is a serious and unacceptable error that compromises the integrity of my credit profile. I need immediate clarification on how these accounts were linked to my report and who is responsible for this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am submitting this complaint because my credit report reflects an inquiry that I do not recognize or authorize. I never applied with this company nor gave permission for them to access my credit report. I have already filed and submitted an identity theft report, yet this unauthorized inquiry remains on my credit file. This ongoing inaccuracy is unacceptable and makes me feel like my rights as a consumer are not being protected. With everything I already have going on in my life, seeing this issue continue to appear only adds unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am filing this formal complaint against Experian for repeatedly reporting inaccurate, unverifiable, and misleading information on my credit file. The items listed below include wrong addresses, accounts that do not belong to me, fraudulent charge-offs, misreported collection accounts, and multiple unauthorized hard inquiries. I have disputed these items with Experian but they continue reporting them without proper reinvestigation, which violates FCRA Sections 602, 603, 604, 607, 609, 610, 611, and 615. I am requesting CFPB intervention to force Experian to conduct a lawful investigation and delete all unverifiable records. 
WRONG ADDRESSES REMOVE IMMEDIATELY ( FCRA 607 ( b ) ) 5401 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never used this address for any purpose and it does not belong to me. Remove immediately under FCRA. 
CHARGE-OFF ACCOUNTS NOT MINE, REMOVE ( FCRA 611 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} Charge Off * * I do not recognize this account. No application, paperwork, or contract exists with my name. Remove if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$420.00} Charge Off * * I never opened this account and have no connection to this company. This reporting is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$320.00} Charge Off This account is not mine. I never applied, signed, or used any service with this lender. Delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$51.00} Collection XXXX XXXX I never opened any policy or account related to this. There is no contract or billing in my name. Remove for inaccuracy. 
UNAUTHORIZED INQUIRIES REMOVE ( FCRA 604 No Permissible Purpose ) XXXX XXXX XXXXXX/XX/XXXX I did not authorize this credit pull. 
XXXX XXXX XXXX XXXX XX/XX/XXXX No loan application was made. Remove this unauthorized inquiry. 
XXXX XXXX XX/XX/XXXX I never authorized this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate and unauthorized inquiry. 
XXXX XXXX XX/XX/XXXX Repeated unauthorized access. Violates FCRA permissible purpose requirement. 
XXXX XXXX XX/XX/XXXX I did not apply for anything. Remove. 
REQUEST FOR CFPB ACTION I request that the Consumer Financial Protection Bureau investigate XXXX failure to maintain accurate reporting, failure to properly reinvestigate disputes, and failure to remove unverifiable information. I am requesting CFPB to order XXXX to delete all wrong addresses, fraudulent accounts, incorrect charge-offs, false collections, and unauthorized inquiries from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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