vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXXXXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. 
They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. 
They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C.

1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate deb

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America closed my prior case regarding a {$1300.00} XXXX Treasury check that was fraudulently deposited a second time. I initially deposited the check via mobile deposit on XX/XX/year>. In XX/XX/year>, Bank of America reversed the funds, claiming the check was deposited twice. 

The Oregon Treasury confirmed they only paid the check once to me. Bank of America later confirmed that the duplicate deposit occurred at XXXX XXXX XXXX, an institution I have no affiliation with. 

I now have an approved police report case XXXX and have provided all supporting documentation, but am waiting on XXXX more piece. I have been trying to get ahold of BOA for several weeks now, with no response. Despite this, my case was closed by Bank of America without refunding my money. My next steps are to give law enforcement the proper documentation. 

Im requesting that the CFPB reopen this case and ensure Bank of America cooperates with the investigation, as Ive exhausted all internal escalation channels.

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 2025-10-14 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation, they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. 

The accounts listed in my letter are not 100 % accurate, and I demand that they be thoroughly and completely investigated. In addition, I have filed a police report for identity theft, and I am submitting it together with my XXXX dispute letters as supporting documentation to prove the fraudulent nature of the accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TN

Complaint narrative:
On XX/XX/year> my Capital One Visa was charged XXXX at XXXX  XXXX / XXXX XXXX ( XXXX, XXXX ). This is not an unauthorized charge or a keying error ; it is a consumer dispute for misrepresentation/not-as-agreed ( XXXX XXXX XXXX ; alt. XXXX ). I asked for a small amount of saffron ( plus a small perfume ). The merchant did not disclose the total or clear pricing before I signed, withheld the goods until after signature, and refused to refund when I objected immediately. The paperwork is inconsistent : the store provided XXXX stubs marked XXXX totaling XXXX + XXXX, while a separate Yap XXXX XXXX terminal slip shows a XXXX  credit sale for XXXX ( AUTH XXXX ). I offered to return all items upon finding out that I was allowed to pursue a refund ; the merchant has failed to respond. 

Capital One declined to pursue the consumer-dispute, citing my signature of the merchant slip and lack of an itemized receipt ( the merchant gave me in innacurate receipt with the exact amount of the charge further emphasizing that it was a scam ). A signature only proves a transaction occurrednot that the total/quantity were disclosed or agreed before signing. I was an international torusit and could not read the merchant slip or understand the coversion of Turkish XXXX to USD. I asked Capital One to escalate. They would not consider my evidence and closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this titl
e, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint because TransUnion, Experian, and Equifax has failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including allowing reinsertion of a previously deleted collection, reporting inaccurate late payments after a voluntary surrender, keeping unauthorized hard inquiries, and failing to correct personal information. 
Ive attached a full statement detailing each violation. I am requesting CFPB enforcement to require TransUnion, Experian, and Equifax to permanently delete the inaccurate accounts and inquiries and correct my credit file immediately.

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 2025-10-14 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: AR

Complaint narrative:
I am submitting this complaint because TransUnion, Experian, and Equifax has failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including allowing reinsertion of a previously deleted collection, reporting inaccurate late payments after a voluntary surrender, keeping unauthorized hard inquiries, and failing to correct personal information. 
Ive attached a full statement detailing each violation. I am requesting CFPB enforcement to require TransUnion, Experian, and Equifax to permanently delete the inaccurate accounts and inquiries and correct my credit file immediately.

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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-10-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am filing this complaint against Target for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 

My Target account was charged off and transferred to collections in XX/XX/year>. Since that date, XXXX XXXX XXXX, a third-party collection agency, has been contacting me in writing to collect the balance. This indicates Target no longer maintains ownership of the debt. 

However, despite this transfer, Target continues to report the account as charged off with an open balance to all three major credit bureaus ( XXXX XXXX and XXXX  ) and continues to update the account monthly. This creates the false impression that I currently owe Target a balance and that the account remains active, which is factually incorrect. 

Details of the Issue - Original Creditor : Target Account number : XXXX - Collection Agency : First Source Advantage - Date Transferred to Collections : XX/XX/year> - Credit Bureaus Affected : XXXX, XXXX, and XXXX - Type of Inaccuracy : - Reporting a balance after charge-off and transfer - Continuing monthly updates post-transfer - Double reporting of the same debt by both Target and the collection agency This double reporting is damaging to my credit score and misrepresents my financial liability. Under the FCRA, furnishers of credit data are required to provide accurate and complete information and must promptly correct any errors once identified.

Applicable Law Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. 
Additionally, 623 ( a ) ( 2 ) requires furnishers to promptly update and correct information that is determined to be incomplete or inaccurate. 

Targets continued reporting of a charged-off account with an open balance after transfer to collections violates these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
am filing a complaint regarding a credit card account that was opened in my name without my knowledge or consent. I recently discovered that [ insert name of the bank or company, e.g., Current Bank ] opened a credit card account under my information. 

I did not apply for, authorize, or agree to open a credit account with this company. This appears to be an instance of an unauthorized or fraudulent account, and I am concerned about potential damage to my credit report and personal financial security. 

I contacted the company and requested that the account be closed immediately and removed from my credit report. However, I would like the Consumer Financial Protection Bureau to investigate this matter to ensure that : XXXX. The unauthorized account is permanently closed. 
XXXX. The account and any related inquiries or negative information are deleted from my credit reports. 
XXXX. The company is held accountable for opening an account without verified consent. 

Attached are supporting documents, including any correspondence, identification, and other records relevant to my case. 

Thank you for your attention and assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had XXXX unauthorized transactions, using my debit card. 
XX/XX/XXXX for XXXX Corrections DeptXXXX XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX Inmate XX/XX/XXXX for XXXX Access? XXXX XXXX I reported this fraudulent activity to Wells Fargo immediately . Wells Fargo refunded my money while they researched the claims. At this time. Wells Fargo is deducting that money from my checking account as Wells states the transactions were authorized.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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