vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry ( s ) : XXXX  Date of Inquiry ( s ) : XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I paid {$500.00} in cash at XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, TX ) using a Vanilla XXXX  barcode to load my XXXX XXXX card. The store scanned the code, but the barcode was expired, and the load failed. XXXX XXXX confirmed they never received any funds. I have the receipt proving payment. The store refuses to refund me, and Vanilla XXXX  has no working phone support or contact form. I need help recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Despite submitting multiple disputes to Equifax regarding the inaccurate accounts " XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX  " Equifax has repeatedly claimed these accounts were " verified '' without providing any lawful proof or transparency. I have explicitly demanded, on numerous occasions, that Equifax disclose : The specific method of verification used for each prior dispute ( as required by FCRA 1681i ( a ) ( 7 ) ) ; The identity of all parties contacted ( e.g., Capital One, Ally, or third parties ) to allegedly verify these accounts ; Documentary evidence ( e.g., signed contracts, payment histories ) proving the debts validity. 

To date, Equifax has willfully refused to comply with these statutory obligations, violating : FCRA 1681e ( b ) ( duty to maintain maximum accuracy ) ; FCRA 1681i ( a ) ( 7 ) ( requiring description of reinvestigation procedures ) ; FDCPA 1692g ( failure to validate debt ) ; 15 U.S.C. 1666b ( prohibiting dual reporting of written-off debts ).

Further, I have already opted out of credit reporting under applicable federal protections, yet Equifax continues to unlawfully retain and update these accountsknowing they lack verifiable proof. This constitutes defamation, willful non-compliance ( FCRA 1681n ), and fraudulent reporting to the IRS. 

Despite Equifaxs email on XX/XX/year>, claiming the dispute is " complete, '' they have : Failed to provide verification details to me or the CFPB ; Ignored the open CFPB complaint regarding these accounts ; Acted in bad faith by delaying resolution while falsely asserting compliance. 

Immediate Demands Permanently delete both accounts from my credit file within XXXX business days ; Provide a sworn affidavit detailing : All verification methods used for each prior dispute ; Names, titles, and contact information of every person/entity Equifax communicated with ; Copies of all documents relied upon to " verify '' these accounts.

Cease all reporting of these accounts to the IRS and other bureaus, as their continued inclusion violates IRS conflict laws ( 26 U.S.C. 6050P ) and FCRA 1681s-2. 

if EQUIFAX is still reporting by XX/XX/year>, I will be submitting a criminal referral to the IRS for tax fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Grey Inc

Complaint narrative:
This bank is a pure scam. They pretend to be in the XXXX, but they are operating out of XXXX. 

I was just informed by a customer that his transfer was sent back without explanation. It was transferred from a business account at the biggest XXXX XXXX XXXX. 

" Grey '' did not even inform me, so my customer was annoyed when I sent a past due note. 

THIS FINANCIAL SERVICE PROVIDER IS A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Monetary damages due to Capital Ones corrupt actions in failing to redress fraud claim # XXXX for {$2700.00} filed on XXXX at XXXX XXXX  ; at all times relevant, although Capital One represented an account balance of {$2700.00} readily available for immediate use and withdrawal, however, as a result of Customers favorable fraud claim dispute, on or about XXXX, Capital One retaliated against Customer by committing several acts of corruption, continuously and repeatedly, without just cause, under the false pretense of a pending investigation, due to account security, due to fraudulent wire transfer, or other frivolous excuse, knowingly falsifying bank records in order to unlawfully justify the freezing of funds and placement of restrictions across all accounts ; at all times, Capital One engaged in the commission of several acts of corruption comprised, in part, of bad faith, misrepresentation, defamation, discrimination, conversion, breach of contract, undue delay, and unfair prejudice, in order to harass, demean, and intimidate Customer as a corrupt means to cause both intentional and negligent infliction of emotional distress, in violation of federal and state law. F.S. 559.72, 15 U.S.C. 1693f, 12 U.S.C. 5536, 18 U.S.C. 1005, 18 U.S.C. 1344, et al.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was a member with Navy Federal Credit Union in XXXX and had a checking account and credit card. I was XXXX XXXX XXXX. I didnt know about money and credit cards just a young immature service member. That caused me to have the credit card go to collections and declared a loss to navy federal. I have paid the balance in full and notified navy federal of this. As far as the checking account being charged off I didnt hear about this until I called again this year ( XXXX ) trying to become a member again. I have taken care of this in full as well and still denied membership. Since all of this has happened I have grown up and learned to be financially responsible. I am just trying to become a member again to have a second chance and to have a joint account with my wife and be able to have all our finances under XXXX XXXX instead of losing money using third party apps to send money and essentially lose money because of instant transfer fees and what not. I am willing to do whatever it takes to become a member again with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Specifically, I am referring to the charge-off reported for account ( Consumer Portfolio SCV ) # XXXX, which I believe is inaccurate because I was never late on payments, this debt is not mine. 
I request that you investigate this matter and remove the inaccurate charge-off from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. Furthermore, Section 611 1681e ( b ) states that you must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Experian is refusing to correct a balance when i sent a court order showing that my garnishment was completed. And there is no longer a balance for the cavalry portfolio collection. They are stating i am trying to remove a collection which i am not trying to do. I am simply requesting the balance reflect {$0.00} as this amount has been paid. Per the court order i provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : Source XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX & XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 List of Unauthorized Inquiries : 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against Equifax regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by Equifax was incomplete. This is a violation of the Fair Credit Reporting Act, specifically under Section 611.

Date of Initial Dispute : XX/XX/year> Account Information : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Description of Issue : account inaccurately I have previously disputed the accuracy of this account with Equifax, and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequateverification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing.

I kindly request that the CFPB investigate this matter, hold Equifax accountable for their non-compliance with the law, and ensure that this account is either verified properly or removed from my credit report.

Thank you for your attention to this matter. Please let me know if you require any further information from me.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 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