vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: SC

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$100.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am filing this complaint against Mariner Finance and/or their debt collector XXXX XXXX XXXX for inaccurate credit reporting. 

In XX/XX/year>, I settled and paid a total of {$940.00} toward the account originally held with Mariner Finance. This debt was settled in full, and I have documentation to confirm the payment and settlement terms. 

However, either Mariner Finance or XXXX XXXX XXXX is misreporting the account on my credit report. It continues to reflect as unpaid or charged off, which is incorrect. This is a violation of the Fair Credit Reporting Act ( FCRA ) and has negatively affected my credit standing. 

As a result of this inaccurate reporting, I have experienced financial hardship, such as being denied a loan, receiving a higher interest rate, or being unable to move forward with a mortgage or car purchase. 

Given the distress, time, and financial impact this has caused, I am requesting that the matter be fully investigated and the account be corrected with all credit bureaus to show Paid Settled or equivalent accurate status. 

In addition, I am seeking financial relief in the amount of {$1000.00} to compensate for the burden and damage caused by this reporting error. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to express my profound dissatisfaction with Capital One 's response to my complaint and to escalate the serious and incompetent mishandling of my fraud claim.

Let me be unequivocally clear : my case is one of fraud. A merchant promised a full refund for an " expression of interest '' and has since refused to pay it. Despite this, Capital One 's staff incorrectly processed my claim as a simple " recall request, '' a completely inappropriate category that ignores the fraudulent nature of the transaction. 

This error stems directly from poor customer service. Your representative, XXXX, not only failed to understand the clear basis of my claim but also refused my direct request to speak with a manager to correct her error. For Capital Ones official response to then misrepresent the facts of my case is unacceptable and points to a significant failure in your dispute resolution process. 

This is not a misunderstanding. It is a failure to follow proper procedure for a clear-cut fraud claim. 

I demand that Capital One immediately cease treating this as a 'recall ' and launch a formal fraud investigation as it should have from the beginning. I expect a full chargeback for the funds that were promised but never returned by the merchant. I urge you to review the call recordings, which will fully support my account of these events. 

I expect a response that acknowledges Capital One 's error and outlines the concrete steps you are taking to resolve this matter correctly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MD

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 : INQUIRIES : XXXXXXXX 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 explanation
Consumer complaint received 2025-08-05 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: CT

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CT

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-05 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:
XXXX is furnishing my XXXX  information to Equifax without proof of permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ). I have never given written authorization for XXXX or its clients to obtain or share this information. 

In my recent dispute, XXXX confirmed the XXXX  was sourced from public records but failed to produce : -The name of the entity that requested my data -Their claimed permissible purpose -Any signed authorization from me permitting them to furnish it Equifax is currently using this XXXX-supplied XXXX  to report negative information on my credit report, even though both XXXX XXXX XXXX  have deleted the same XXXX  after disputes. 

XXXX is in violation of FCRA 604 ( no permissible purpose ), and potentially 607 ( failure to maintain reasonable procedures to ensure accuracy and lawful furnishing ). I request that XXXX immediately cease furnishing my XXXX  data to Equifax or any other party without verifiable permissible purpose, and that they provide the full documentation of the request, the requesters permissible purpose, and any consent they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5100.00} INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This complaint is for willfully violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by reporting a XXXX  that is unverified, inaccurate, and obtained from an unauthorized XXXX  party. 

XXXX  courts do not furnish or verify consumer data to credit bureaus or data brokers. Therefore, any reporting of this bankruptcy is based on unverifiable hearsay, which is explicitly disallowed under federal law. 

I have already disputed this directly and submitted documentation showing that the court does not verify or report this information. Despite this, the item remains. 

Failing to verify with the source of information in this case, the court is a violation of the FCRA. Continuing to report this information after being notified of its unverifiability demonstrates willful noncompliance and has caused harm to my creditworthiness. 

I am requesting the immediate removal of this unverifiable XXXX  and a full investigation by the CFPB into the bureau 's practices regarding the collection and use of public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint is for willfully violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by reporting a XXXX  that is unverified, inaccurate, and obtained from an unauthorized XXXX  party. 

XXXX  courts do not furnish or verify consumer data to credit bureaus or data brokers. Therefore, any reporting of this bankruptcy is based on unverifiable hearsay, which is explicitly disallowed under federal law. 

I have already disputed this directly and submitted documentation showing that the court does not verify or report this information. Despite this, the item remains. 

Failing to verify with the source of information in this case, the court is a violation of the FCRA. Continuing to report this information after being notified of its unverifiability demonstrates willful noncompliance and has caused harm to my creditworthiness. 

I am requesting the immediate removal of this unverifiable XXXX  and a full investigation by the CFPB into the bureau 's practices regarding the collection and use of public records.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I was scammed into sending {$840.00} total to different accounts with the promise of getting all my money back plus more but it never happened and I immediately filed a dispute with chime about the money that was scammed from me and they denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
I am writing this complaint with complete certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they continue to negatively impact both my credit score and overall quality of life. These inaccuracies are preventing me from achieving the financial stability and freedom Ive been working toward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-05 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:
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 explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
A fraudulent account from XXXX XXXX XXXXXXXX is appearing on my credit report. I have never applied for, opened, or authorized any credit card account with XXXX XXXX XXXXXXXX. The account is listed as opened on XX/XX/year>, but I have no knowledge of it, and no balance or account details have ever been provided to me. 

This tradeline is a direct result of identity theft and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), which mandates the blocking of information resulting from identity theft, as well as 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 

I am invoking EOSCAR Dispute Code 112 ( Fraudulent account ) and requesting that this account be immediately removed from my credit report. Until resolution, this account must be reported with Metro 2 Compliance Condition Code XXXX ( Account information disputed by consumer ).

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I am disputing inaccurate and harmful reporting on my XXXX  credit report by Westlake Financial. The vehicle was voluntarily surrendered, yet Westlake continues to report it with a high balance of over {$34000.00}, multiple 30-day late payments, and an open status. This is misleading and damaging to my credit. After a voluntary surrender, the account should reflect the surrender and the remaining balance ( if any ) should be clarified in a post-repossession settlementnot reported as if the loan is still active and accumulating delinquency. I have requested corrections, but the reporting remains inaccurate. This is a violation of the FCRA and I request immediate investigation and deletion of this entry if it can not be verified with complete accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

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 XXXX XXXX, which falls under XXXX  according to XXXX XXXX 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 four 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 2 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 2025-08-05 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-08-05 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:
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 : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} INQUIRIES : XXXX XXXX ( Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation