vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I XXXX XXXX have received no notice and have given no consent for the reporting or release of my personal information. This dispute is submitted in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to these companies, and their actions constitute a clear violation of my privacy rights. These entities have no legal grounds to report any information under my name.

Furthermore, my credit report contains unauthorized inquiries that I did not initiate. Under 18 U.S.C. 1028, unauthorized credit inquiries are classified as identity theft. As such, I consider these inquiries a clear case of identity theft and demand their immediate removal from my credit report.

Additionally, I have identified private educational accounts being reported on my credit file without my consent. I do not authorize the disclosure or inclusion of these private accounts in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I have the right to control how my personal information is used and disclosed. The unauthorized reporting of these accounts is a direct violation of my rights under this Act.

Further, 15 U.S.C. 6802, 16 CFR 433.1, and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. The reporting of inaccurate and unauthorized information violates these protections.

Finally, pursuant to 18 U.S.C. 8, I do not owe any debt to these entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I XXXX XXXX have received no notice and have given no consent for the reporting or release of my personal information. This dispute is submitted in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to these companies, and their actions constitute a clear violation of my privacy rights. These entities have no legal grounds to report any information under my name.

Furthermore, my credit report contains unauthorized inquiries that I did not initiate. Under 18 U.S.C. 1028, unauthorized credit inquiries are classified as identity theft. As such, I consider these inquiries a clear case of identity theft and demand their immediate removal from my credit report.

Additionally, I have identified private educational accounts being reported on my credit file without my consent. I do not authorize the disclosure or inclusion of these private accounts in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I have the right to control how my personal information is used and disclosed. The unauthorized reporting of these accounts is a direct violation of my rights under this Act.

Further, 15 U.S.C. 6802, 16 CFR 433.1, and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. The reporting of inaccurate and unauthorized information violates these protections.

Finally, pursuant to 18 U.S.C. 8, I do not owe any debt to these entities.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Credit Report XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Account To Whom It XXXX Concern, I am writing to formally dispute inaccurate information listed on my XXXX  credit report. The account in question is being reported by XXXX XXXX XXXX XXXX, account number ending in XXXX. 

The XXXX XXXX Disputed : XXXX. Payment History Reporting Errors : The payment history from XX/XX/XXXX to XX/XX/XXXX includes inaccurate reporting. Specifically, your records show consistent late payments or delinquencies from XX/XX/XXXX onward, yet I made payments in XXXX and XX/XX/XXXX, which are marked as on time. No accurate or complete payment data exists for XX/XX/XXXX, and future reporting for XX/XX/XXXX and XX/XX/XXXX is either unavailable or incorrectly dated. 
XXXX. Charge-Off and Balance Discrepancies : The account is listed as charged off in XX/XX/XXXX, but the balance is still shown as increasing with a past due amount through XX/XX/XXXX, which is contradictory. A charged-off account should not continue to accrue a growing past-due balance post-charge-off without additional activity, especially after closure. 
XXXX. Incorrect Status and Dates : The last payment is reported as XX/XX/XXXX, but the account shows continued updates and delinquency status through XX/XX/XXXX, which suggests future-dated reporting that may be inaccurate or speculative. 

Requested Action : Please investigate these discrepancies and either correct or remove the inaccurate entries from my credit report. I have included a copy of my credit report entries and related documentation highlighting the issues for your review. 

Supporting Documents Attached : Copy of my ID and proof of address Screenshots of credit report entry from XXXX  XXXX XXXX  Payment history showing inconsistencies This written dispute letter Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. If the account can not be verified or corrected, it must be deleted from my credit report.

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 2025-05-20 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: GA

Complaint narrative:
Subject : Credit Report Dispute Inaccurate Reporting for XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my XXXX  credit report. The account in question is being reported by XXXX XXXX XXXX XXXX, account number ending in XXXX. 

The Issues Being Disputed : XXXX. Payment History Reporting Errors : The payment history from XX/XX/XXXX to XX/XX/XXXX includes inaccurate reporting. Specifically, your records show consistent late payments or delinquencies from XX/XX/XXXX onward, yet I made payments in XXXX and XX/XX/XXXX, which are marked as on time. No accurate or complete payment data exists for XX/XX/XXXX, and future reporting for XX/XX/XXXX and XX/XX/XXXX is either unavailable or incorrectly dated. 
XXXX. Charge-Off and Balance Discrepancies : The account is listed as charged off in XX/XX/XXXX, but the balance is still shown as increasing with a past due amount through XX/XX/XXXX, which is contradictory. A charged-off account should not continue to accrue a growing past-due balance post-charge-off without additional activity, especially after closure. 
XXXX. Incorrect Status and Dates : The last payment is reported as XX/XX/XXXX, but the account shows continued updates and delinquency status through XX/XX/XXXX, which suggests future-dated reporting that may be inaccurate or speculative. 

Requested Action : Please investigate these discrepancies and either correct or remove the inaccurate entries from my credit report. I have included a copy of my credit report entries and related documentation highlighting the issues for your review. 

Supporting Documents Attached : Copy of my ID and proof of address Screenshots of credit report entry from XXXX  XXXX XXXX  Payment history showing inconsistencies This written dispute letter Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. If the account can not be verified or corrected, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a Capital One secured credit card in XX/XX/XXXX. In XX/XX/XXXX, my account was abruptly restricted and later closed without warning. Capital One stated they received a fraud notice from TransUnion. This was based on a misinterpretation of a complaint, which clearly stated that only accounts or inquiries after Capital One were unauthorized. Despite this, Capital One shut down my account on XX/XX/XXXX, and formally closed it on XX/XX/XXXX. 
I immediately contacted Capital One to clarify. Capital One told me I could get the account reinstated if I submitted a notarized statement and confirmation from XXXX that the fraud flag was incorrect. 
I was told I needed to : 1. Provide a notarized affidavit stating I am the rightful account holder ( which I did ) ; 2. Obtain documentation from TransUnion confirming that the fraud notice was incorrect ( which I did ) ; XXXX. Fax all documentation ( sent on XX/XX/XXXX ). 
Capital One confirmed receipt of my documents, said an investigation was underway, and repeatedly assured me it was being reviewed, then they went silent for weeks. After several follow-up calls, I was told I would be contacted within 710 days as the representative saw no action on the matter and did not understand why. That time passed without contact. 
When I finally got through again, I was told the account had been reopenedbut only for bill payment. On my most recent call, I was informed the investigation confirmed the account was not fraudulent, yet Capital One refuses to reissue a card or explain why. Their own agent told me they confirmed no fraud occurred. Still, they refuse to give me back full access. I was also told I could apply for a new card ( which will result in a hard inquiry and XXXX XXXX impact ), which is unfair and damaging. 
Additionally, Ive been requesting a full account of my refund credits, statements, and deposit ( over {$1000.00} ), which have still not been provided. Each call yields a different story, often with outsourced agents who offer no clarity or accountability. I have transcripts of phone calls confirming all of the above. 
This has caused significant stress and hardship. I am XXXX and rely on this credit to access disability-related expenses and medical needs. The stress and disruption caused by their mishandling has been harmful and discriminatory. Capital Ones actions may also raise XXXX concerns due to the harm this is causing. 
I am requesting : Full reinstatement of account privileges including card usage ; Immediate release of all statements and deposit/refund accounting ; Guarantee that no negative reporting will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The threXXXX credit bureaus deleted the listing for XXXX from my profile in XXXX. XXXX continues to add it back to my credit profile under a different company name and account number For example, the XXXX account ending in XXXX was deleted from my Equifax credit report in XX/XX/XXXX, after I submitted dispute # XXXX. It was readded to my credit report in XXXX of XXXX under the company name " XXXX '' and account number XXXX This caused my credit score to drop more than XXXX points. I tried disputing the listing however it has not been removed from Equifax or XXXX  profile. The process of reaging an account violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The three credit bureaus deleted the listing for XXXX from my profile in XXXX. XXXX continues to add it back to my credit profile under a different company name and account number For example, the XXXX account ending in XXXX was deleted from my Equifax credit report in XX/XX/XXXX, after I submitted dispute # XXXX. It was readded to my credit report in XXXX of XXXX under the company name " XXXX '' and account number XXXX This caused my XXXX XXXX to drop more than XXXX points. I tried disputing the listing however it has not been removed from XXXX  or Experian profile. The process of reaging an account violates my rights.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: CA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed an inquiry I did not authorize. I never applied to this company, nor did I give permission for them to access my credit file. This is extremely concerning and has caused me a great deal of anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My credit score is XXXX when it used to be XXXX. 
Also I deposit my XXXX check into my saving but lost XXXX dollar instead so im broke and negative. Please send help and reimbursements. 
Wells Fargo employee through the phone and table wouldn't fix the issues other than waiting it out. It's suspicious and I need help! Also they are threatening to kick me out after 16 years of customer service! Let me stay! Thank you! You have a positive day! 

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