vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
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  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$47000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 2025-07-22 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am writing to dispute inaccurate and misleading information reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit bureaus to report only accurate, complete, and verifiable Account Name : XXXX XXXX Status : Closed | Reported by : Equifax | Balance : {$0.00} Date Last Reported : XX/XX/year> Dispute Reasons : Contradiction : Account shows both Pays as Agreed and XXXX  Days Past Due Missing payment data for nearly XXXX years, yet a negative history is being reported No documentation presented for delinquency Violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called Capital One on XX/XX/2025, to request financial hardship assistance due to reduced income and job loss. I was advised that the only program available to me is no late fees for 3 months. I asked why was there no payment reduction available as this really would not help me and was told my account was current so this is the only option available. I was then told to call back the following week to see if a payment reduction was available at that time, even though my minimum payment was due the next day on XX/XX/XXXX. 

On XX/XX/2025, I called back and was again told to call back the next day or at a later date because my account was not past due for 30 days yet. The representative specifically wanted me to wait until after the end of the billing cycle. The billing cycle ended on XX/XX/XXXX. 

I called again on XX/XX/2025, as advised. My minimum payment had doubled to {$260.00} with the new bill. I was told that the approval of any hardship program was electronically generated and theres nothing that can be done on their end. The representative stated that the only payment plan available was to pay over {$200.00} of a minimum payment for 3 months. This is more than my original minimum payment of {$130.00}. He then advised that I call back again after XX/XX/2025, after another billing cycle ends. I informed him that this is causing even more financial hardship for customers and he stated that theres nothing that he could do. 

I later logged on to my account and located a letter that was generated on XX/XX/2025 stating the reason that I am not eligible for hardship assistance was due to, stated hardship reason does not qualify for a financial accommodation. This is not the reason the representative advised that there was no program available. This situation is completely unethical and is causing me even more financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XX/XX/XXXX DOB : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion Experian XXXX and Equifax credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 


In accordance with the Fair Credit Reporting act, inaccurate collections such as a auto loan from XXXX Opened mayXX/XX/XXXX Closed account Collections : XXXX Amount {$2300.00} Opened XXXX XXXX, XXXX Collections : XXXX XXXX XXXX Amount : {$140.00} Opened XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX Amount {$1800.00} Opened : XX/XX/XXXX Collections : XXXX XXXX Amount {$300.00} Opened XXXX. XXXX, XXXX Hard inquires : FACTUAL DATA Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Automotive Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX- Finance/Personal Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal All the accounts are falsely on my Experian, Trans Union and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Madison Management Services, LLC
State: PA

Complaint narrative:
Ive been enrolled in AutoPay the entire time, with mortgage payments pulled monthly from my account without fail : XX/XX/XXXX : {$530.00} XX/XX/XXXX : {$530.00} XXXX XXXX : {$530.00} XX/XX/XXXX : {$470.00} XX/XX/XXXX : {$510.00} XX/XX/XXXX : {$510.00} On XX/XX/XXXX, I received a notice in the mail claiming my account was delinquent. I immediately emailed Madison Management on XX/XX/XXXX requesting a correction, asking why a late fee was applied despite AutoPay being active, and why my account had disappeared from my credit report. I received no resolution. 

On XX/XX/XXXX, a late fee was added. On XX/XX/XXXX, I made a {$44.00} manual payment as instructed over the phone to catch up a claimed shortfall. Still, on XX/XX/XXXX, another late fee appeared. 

Despite continuous payments and my written and verbal attempts to resolve this since XX/XX/XXXX, the servicer has not corrected the issue or confirmed that my account is current. Ive also requested full transaction history and documentation, which has not been provided. 

This pattern of misapplied payments and ignored correspondencewhile Ive remained AutoPay complianthas caused stress, financial disruption, and potential credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am submitting this form of dispute under Metro Two Compliance Standards and 15-USC-1681 I the credit bureaus are required to ensure that complete and accurate reporting under XXXX Guidelines. 
I am not requesting a standard dispute but rather a Metro II Compliance based investigation. 
I want the credit bureaus to demonstrate full adherence to e-OSCAR reporting codes and federal data accuracy obligation.

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 2025-07-22 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: NY

Complaint narrative:
I am submitting this form of dispute under Metro Two Compliance Standards and 15-USC-1681 I the credit bureaus are required to ensure that complete and accurate reporting under XXXX Guidelines. 
I am not requesting a standard dispute but rather a Metro II Compliance based investigation. 
I want the credit bureaus to demonstrate full adherence to e-OSCAR reporting codes and federal data accuracy obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried accessing my Experian account. When logging into account to lift a freeze, unable to remember my password, I click forgot password and enter phone ( XXXX ) says that it doesn't match records. When I click " another way '' asks last XXXX of SS and looks like my phone number listed but wasn't getting them. After like XXXX attempts got them to come in but too late to use only good for XXXX mins. I've repeated this step like XXXX times trying to get this to work. I even tried starting new account, but my SS looks to be hooked to ( possibly person that started all this mess and why I locked my accounts ) phone ending XXXX and email starting with XXXX XXXX XXXX. 
My account is compromised, I've called and chosen every option, there is no option where a person is available. I wrote a letter but not sure when someone will OR if they will contact me back. Per XXXX, you will get no answer to letter. There was a number for CA option XXXX but it's for business accounts. As soon as you tell them the situation, they send you back to the other line with no people. I need to get my account set right with my information and the other person info removed. Credit freeze lifted as I have XXXX  days now to get unlocked where I was trying to purchase something. They pulled my credit already ( for other agencies but they need Experian ). They will have to pull again and hit my credit again if i can't get this sorted within XXXX  days. 
It's insane that a credit agency in XXXX  is able to run without having option for person and only send in by letter. Or online agent... something. Literally having to send in my all my personal information that could intercepted and stolen... name, address, phone and SS listed in letter... sent in by mail?!?! This is unacceptable. 
Please help me get this sorted and get my account back up and running.

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 2025-07-22 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: NY

Complaint narrative:
When I pull my credit report a couple of months ago, I noticed a credit card company called XXXX had a car that had been opened in my name and I started receiving bills shortly thereafter and I contacted them about it. They told me someone named XXXX XXXX came up as possibly opening the car and I dont know who that is and that my husband XXXX XXXX had an email address associated with it however thats not his email address and I provided them with his correct email addresses. I need this credit card taken off my credit report and bills to stop coming to me as I am not financially responsible for this debt and I never opened or had this card.

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 2025-07-22 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:
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 XXXX  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 XXXX 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 XXXX 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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
To Whom It May Concern, Im reporting a fraudulent collection account that was added to my credit report by Jefferson Capital Systems in XX/XX/year>. I have disputed this account multiple times with the credit bureaus, but it remains unresolved. 

This account is not mine, and I have never opened or authorized any account with Jefferson Capital Systems or with any company they XXXX have acquired this debt from. I have been a XXXX customer for years and have not used any other phone service provider that would justify this charge. 

Whats even more concerning is that I am not alone in this experience. The companys XXXX XXXX  are filled with reports from other individuals who have experienced the same issue : accounts appearing on their credit reports without explanation, authorization, or prior notice. This appears to be a recurring and widespread issue. 

I have never received any documentation for this account. 
This false collection has negatively impacted my credit score and financial stability. Despite my efforts to dispute it throu

gh the proper channels, Jefferson Capital continues to report the debt without providing validation or proof of ownership. I have received no documentation or evidence to justify the existence of this account, and I strongly believe this is either a case of identity theft or misreporting. I am more than willing to pursue legal action if this issue remains unresolved. I am filing this complaint with the Federal Trade Commission ( FTC ) in the hope that this matter will be properly investigated and that Jefferson Capital Systems will be held accountable for what appears to be a pattern of false or unverified reporting.

I am prepared to provide documentation of my disputes with the credit bureaus if necessary, and I request an investigation into Jefferson Capitals reporting practices. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have had a capital one quicksilver card for about a year, My fiance has had capital one credit card and checking account for years. We called cap one banking on XX/XX/year> to ask if I could be added to my fiance 's account. They took the info and said I could not be added, that it would be better to open my own banking account. I then at XXXX XXXX XXXX XXXXXX/XX/year> went into my app and saw that the last XXXX digits of my SSN were changed and wrong. I took a screenshot and called cap one. Since XX/XX/year> I have called XXXX times, spoke to XXXX supervisors from numerous departments and get nowhere. 
XX/XX/year> XXXX from XXXX XXXX who deleted my credit wise account stating that would fix the issue. 
XX/XX/year> XXXX from verification dept who stated it would be fixed by XX/XX/year> On XX/XX/year> XXXX a senior account XXXX, told me she figured out the issue and patched me into speak with XXXX another cap one XXXX who had me upload My drivers license 3 times, sent me text codes and told me to use a new log in and it be fixed. 
I can not get into my ap, they will not let me pay my bill, and my credit rating is going to be damaged. 
I have given XXXX agents my SSN, My personal info, including govt docs so many times that I believe an agent XXXX have committed fraud using my info. 
I spoke to XXXX from fraud dept on XX/XX/year> who stated he saw that there is an issue, that my info is linked to someone else but he can not help.

Company response to consumer: Closed with non-monetary relief