vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
his is my XX/XX/XXXX dispute with Equifax. Despite formal requests for investigation and correction, Equifax continues to report inaccurate, outdated, and unverifiable information directly violating multiple sections of the FCRA. 

XXXX. XXXX XXXX : This account was paid in full as of XX/XX/year>. Equifax continues to report over XX/XX/XXXX days of late payments and an overall derogatory status. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which forbids furnishers from reporting inaccurate or outdated information. Continued negative reporting on a fully resolved debt is misleading and materially harmful. If the full account is not updated to show Paid as agreed never late, then it must be deleted entirely under FCRA 611 ( a ) ( 5 ) ( A ) ( ii ) for unverifiable data. 

XXXX. XXXX XXXX : This account has no documentation, no original bill of sale, no validation of the alleged debt, and no proof I owe anything. XXXX has failed to respond to prior verification requests under FCRA 611 ( a ) ( 1 ) and is in direct violation of FDCPA 809 ( a ), which mandates proper debt validation prior to reporting. This account is unverified and can not legally remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Ive been a victim of Identity theft and not sure how, but all my credit cards have payments made then reversed and some of them this happened a couple of times, so it puts me over my credit limits and the credit cards are closing or restricting my accounts and not letting me show the information from the FTC that I reported to be a victim of identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

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 non-monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Equifax Consumer Services , I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX INQUIRIES : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 submitting this third-round dispute because my credit report with EQUIFAX still contains an unauthorized hard inquiry that I did not approve or initiate. Despite my previous two requests to correct this matter, this inaccurate and unverified information remains on my credit file, which is unacceptable and in violation of my rights under federal law.

I have once again included my identification, Social Security number, and proof of my current address to support and validate my claim.

Unauthorized Hard Inquiry According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is a legitimate business need initiated by the consumer. The creditor responsible for the inquiry listed below has confirmed that they have no record of my consent, no signed application, and no permissible purpose to access my credit information. 

This inquiry was unauthorized, and EQUIFAX is required by law to remove it promptly. 

Unauthorized Inquiry : XXXX XXXXXXXX XX/XX/year> Additional Legal Basis 15 U.S.C. 1681i ( a ) : Grants me the right to dispute inaccurate or unverifiable information and requires EQUIFAX to correct or delete it after a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681b ( f ) : Prohibits access to consumer reports without a permissible purpose, which applies directly to this unauthorized inquiry. 

I expect this matter to be resolved immediately, as this is now my third attempt to have this inaccurate information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I wrote a letter to Ally financial XX/XX/XXXX XXXXA goodwill adjustment request. Asking them to please remove a late payment on my account. And to please explain to me about the balance on my account Vs what's due against how many payments were left? 
I got no response. I called on XX/XX/XXXX and asked for a return call. 
From XXXX Speaking representative, no phone call So I just sent you documents.My supplied payments, balancing payment count, discrepancy, lack of response from Ally this it the second time? They will not communicate with me.Although I asked them not to because they have no respect for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am disputing an apartment collection that is being reported inaccurately and inconsistently by XXXX XXXX Collections on behalf of XXXX XXXX XXXX. The dates assigned, status dates, balance dates, and delinquency dates reported to the credit bureaus do not match the actual timeline of events reflected in my signed lease agreement. Additionally, the amount being reported ( {$19000.00} ) does not match any documentation or charges ever provided to me. On XX/XX/year>, I sent a certified debt validation request to XXXX financial office, which was received and signed for. I requested an itemized breakdown of charges, proof of the balance, and verification of the dates being reported. I received no response and no validation. Despite that, the collection continues to be reported with conflicting and inaccurate information. I am asking for a full investigation and for the inaccurate reporting to be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I Financed my XXXX XXXX from Westlake financial. I bought the car XX/XX/XXXX and they have repossessed it twice from me and I was never behind on my payments I called them around XXXX different times talk to supervisors talk to customer service representatives and nobody gives me the same answer nobody will answer me any questions they asked me to send in a chime bank statement in a chime letter from a supervisor stating that the payments had been made from there had been settled because my mom made them out of her checking account I called there now they're saying they didn't receive the payment that it hadn't posted from XXXX person said it then another person told me it did post and they're only telling me I made XXXX payment on my car I have made a payment every month But now I have missed job interviews making between XXXX and XXXX dollars an hour because I don't have transportation I need you to please get my car back and make and get the payments straightened out I made a payment on XX/XX/XXXX {$290.00} made a payment of XXXX on XX/XX/XXXX. My mom made a payment of XXXX on XX/XX/XXXX for XXXX and a payment of XXXX on XX/XX/XXXX. They have my car they won't release it they asked me to send them a bank statement and a letter from chimes for my mom and I did and they you're telling me that that's not good enough and that they won't do anything about it I put {$4500.00} down on this car and my mom paid {$710.00} on this car and I paid the rest and I'm going to be out all this money I can not afford to go get an attorney to fight for me and I need my car so if you could please help me get them to release my car and get it back I would appreciate it this bank has also been sued fo {$48.00} XXXX for taking people 's cars illegally Repossessing their cars and adding more money onto their bank loans illegally my mother 's bank statement and her letter from chimes stating that their mouths have been settled and that they had sent it to I need my car back as soon as possible this is very vital to my life I can not get a job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Control, LLC
State: SC

Complaint narrative:
XXXX : Account was sent to collections in XX/XX/XXXX for amount owed of {$690.00}. Reviewed my credit report thoroughly and XXXX has account as opened XX/XX/XXXX which is incorrect information and is effecting my credit report. As stated the first XXXX years can hurt your credit tremendously, which it has because tmobile ( XXXX part collection agency-Credit Control LLC ) is reporting the date of collections incorrectly. I have reached out to tmobile third party debt collector and they even told me the account has been closed and sent to collections in XX/XX/XXXX ; I have even aske for the date to be correct upon my credit report and the third party debt collector has refused to change to correct date.I have spoke to managers in regards to this incorrect open date sent to collections but yet no help has been made. I also noticed in the month XXXX, XXXX & XX/XX/XXXX the {$690.00} debt was taken off of my credit report but placed back on in XX/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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im extremely disappointed with my experience. I was thrilled to be approved for the Citi XXXX card, only to immediately be asked for documents ( which I sent right away ). I was told it would take several weeks, yet only days later my account was suddenly closed. No notice, no explanation, nothing. 
This has caused unnecessary stress and confusion. I deserve an explanation and a fair 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 monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am a victim of XXXX XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: PA

Complaint narrative:
XXXX  : This accounts were not properly investigated According to 15 USC 1681i ( 5 ) I see it states 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 credit bureaus did not reinvestigate and violated my right. Thank You

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase bank account was placed under an internal review and restricted to deposits only. I fully verified all my transactions and provided all requested information. Chase has refused to release the restriction, let me access my funds, or allow me to close the account. 

During this process, a Chase XXXX XXXXXXXX named XXXX spoke to me in a threatening and intimidating manner. He told me he would close my account if I asked questions or expressed concerns. His behavior made me feel unsafe and targeted. 

When my assistant attempted to help me understand the situation, Chase refused to communicate in a professional manner and was rude to her as well. Chase has not provided updates, explanations, or a path to resolve the issue. 

I am requesting immediate closure of my account and that Chase mail me a check with my full remaining balance. I am requesting written communication only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC is reporting a {$520.00} XXXX XXXX collection ( account # XXXX ) on my credit reports. I disputed this in writing via certified mail on XX/XX/2025. In response, Portfolio Recovery illegally re-aged the account by updating the Balance Date to XX/XX/2025, violating FRA 623 ( a ) ( 5 ) and 605 ( a ) ( 4 ). They have failed to validate under FDCPA 809 ( b ) - no signed contract, no chain of title, no payment history. On XX/XX/2025, they emailed me attempting collection without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX BANK XXXX # XXXX * * * * * * - Balance : {$1600.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX 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 2025-11-25 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/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 2025-11-26 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I am submitting this complaint because my credit file contains multiple fraudulent, inaccurate, and unauthorized accounts that I did not create, authorize, or consent to. These accounts were reported and/or verified by XXXX XXXX XXXX XXXX  XXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Across all bureaus and furnishers, the reported accounts display the same pattern : They were created without my authorization or written consent. 
The information is inaccurate and unverifiable as required under the Fair Credit Reporting Act ( FCRA ).

Verification responses have not provided the mandated source or method of verification under 15 U.S.C. 1681i ( a ) ( 1 ) & 1681i ( a ) ( 6 ).

Furnishers continued to report or re-report the same fraudulent information, despite my sworn affidavits stating these accounts were never authorized.

I submitted notarized Affidavits of Facts and Truth to each furnisher and bureau, affirming under oath that : 1. I did not create, authorize, or consent to these accounts.

2. These accounts are fraudulent and must be deleted pursuant to FCRA 605B ( identity theft ) and FCRA 609 ( a ) ( 1 ) ( right to full disclosure and verification ).

3. Each furnisher has failed to supply any valid contract, application, wet signature, or permissible purpose that lawfully links me to these accounts.

Despite this, the accounts remain on my credit profile, causing ongoing damage and preventing me from accessing fair credit opportunities.

This is a clear violation of : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 Furnishing information known or reasonably should be known to be inaccurate 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block fraudulent information after receipt of an identity theft affidavit 15 U.S.C. 1681b Lack of permissible purpose I am requesting CFPB assistance because the bureaus and furnishers have failed to correct or remove fraudulent information despite receiving sworn, notarized statements and specific statutory citations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I was contacted by my employer that a garnishment had been placed on me by LVNV. The garnishment was issued by XXXX XXXX XXXX for a debt from XXXX which I didnt have any knowledge of, and hadnt received anything from LVNV before. I did not receive a lawsuit nor was I served with paperwork for this garnishment. The total was XXXX. I called their office and they stated it was a credit card debt, from XXXX I stated to them I have never received anything about this until a garnishment had been issued. I also asked for validation of the debt and havent received anything from them yet. The garnishment is still in place they would not remove it or validate the debt. The should be illegal!

Company response to consumer: Closed with explanation