vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX. XXXX ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Derogatory Accounts in Dispute : XXXX. XXXX CXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} XXXX. XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX. XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX. XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00} XXXX. XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX. XXXX INC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Hard Inquiries to be Removed : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
b"I have made 3 cash deposits since XXXX. A $XXXX  deposit on XXXX a deposit of $XXXX  in XXXX and a deposit of $XXXX  on XXXX. I have called and talked to them via chat more than 20 times and everytime I get a different answer as to why money was moved from my checking and savings account without my consent. I have spent hours on hold just for the call to be ended and then I have to call back and get the same treatment.\n At first I was told that I didn't have a negative balance on my credit builder account and that the money I deposited should be in my account. Then I was told that it was because of my settings. I went to my settings and made sure they were as I was instructed to have them set. \n  On XXXX I made a deposit of $XXXX  and it was immediately moved to my credit builder account. I went to my settings again and reset them for %100 deposit to savings account. I then added another $XXXX  and it was also immediately moved to my credit builder account. \n  I then spent over XXXX XXXX hrs on the phone, either on hold or being connected to a different person. Also having to redo the whole process because the call gets ended for being on hold for so long. After all the different excuses and everything else, now I'm told that they can take any and all money deposited for being in the negative with them. \n  If that is true then why do I still have $XXXX in my checking account!? Why haven't they took that also? I got a different reason from each person as to why my money was moved. Can they change their policy whenever they want to and make up lies?"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
On several occasions, I requested payment history for all accounts! I asked collection companies to send original signed contract with them or remove account! I asked that my missed payments be removed and corrected with XXXX! I asked accounts that wasnt verified or updated inaccurate too be removed withon 30days of each letter since there are many violations of 15 U.S.Codes!

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 2025-07-27 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: WI

Complaint narrative:
My Capital One credit card was suddenly restricted months ago without clear justification. When I contacted Capital One, I was told to submit verification documents to prove I was the account holder. I complied fully, including providing a letter from my bank confirming the account ownership exactly what Capital One asked for. 

After confirming they received and accepted these materials, Capital One changed the requirements and demanded a full transactional bank statement ( showing deposits, spending, etc. ), which I consider an unnecessary invasion of privacy. There is no legitimate reason to request my full banking history simply to confirm identity or account ownership. 

Ive now called Capital One multiple times. Each time, Im told : We have the two documents you submitted, but we still need more proof. They refuse to specify what has changed or why the card remains restricted. I've also been told that a specialist would contact me no one has, ever. 

Despite being locked out of my card, I am still expected to make monthly payments on it. I find this unfair and unacceptable. If they are going to restrict access and refuse to communicate clearly or resolve the issue, they should not continue demanding payments. 

At this point, I am requesting formal intervention. I want : 1 ) A clear explanation for the restriction.

2 ) Restoration of account access based on the original verification I already provided.

3 ) Capital One to stop demanding access to private transaction data that is irrelevant to ID verification. 

I am also disputing payment obligations until this is resolved. This has caused extreme frustration and wasted time I believe it qualifies as bad-faith behavior and abusive consumer practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing a tradeline reported by XXXX  for a charged-off auto loan from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). The account shows a balance of {$8900.00} and is listed as remaining on my report until XX/XX/XXXX on my XXXX  and on my XXXX XXXX XX/XX/XXXX. However, the original delinquency on this account began before XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), negative accounts such as charge-offs must be removed 7 years from the date of first delinquency, not from the charge-off or last update date. XXXX  appears to be re-aging the account in violation of the FCRA by extending the reporting period. 
I previously disputed this with XXXX, but they declined to correct the error. I am requesting that the CFPB investigate this matter and that XXXX  be required to either update the record to reflect the correct drop-off date or remove the tradeline entirely. This inaccurate reporting is unfairly damaging my credit profile.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was compromised in the Equifax data breach, which exposed the sensitive data of over XXXX XXXX Americans. As a result of this breach, my identity and financial information may have been used or accessed without my knowledge or consent. 

Since that incident, I have noticed negative items reported on my credit files across all three major credit bureaus : Equifax, XXXX and TransUnion. I believe some of these entries may be the result of identity theft or inaccurate reporting due to the misuse of my compromised information. 

I am formally requesting a full investigation into the negative entries on my credit report and ask that any inaccurate, outdated, or unverifiable items be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please treat this matter with urgency and provide documentation of your findings and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander XXXX repossessed the vehicle, sold it to auction and after that they been trying to collect a remaining balance from a debt they don't have anymore because they sold the vehicle to auction and some collector. 
That remaining balance is way more than the amount it should be ; like XXXX % more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Here is a professionally written third-round dispute letter based on your previous communication. This version demands a letter of authenticity and calls for removal of the collection account if proper verification is not provided. It complies with the FCRA and FDCPA, and follows the structure suitable for credit bureaus or collection agencies : Subject : Third Request Final Notice to Validate or Remove Collection Account Creditor/Collection Agency : XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$640.00} Date of Account : XXXXXXXX   To Whom It May Concern, This is my third and final written attempt to request proper validation of the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ). 

Despite my previous two requests, you have failed to provide adequate verification or validation of this alleged debt. I am now formally demanding that you send me a signed letter of authenticity and verifiable proof that this debt belongs to me and that you have a legal right to report it. This includes, but is not limited to : A signed contract or agreement bearing my signature. 

Itemized billing or payment history directly linking me to this debt. 

Documentation of ownership and the original creditor. 

If you are unable to provide these documents within the time required by law, I demand that you immediately remove this collection account from my credit report with all major credit bureaus ( Equifax, XXXX, and XXXX  ). 

Continued reporting of unverifiable or inaccurate information is a violation of both federal law and my consumer rights and may result in legal action.

Thank you for your immediate attention. I expect a response and resolution within 15 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after a reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete or modify that item of information from the file of the consumer. 

Please remove the following account from my credit report. I am requesting an immediate deletion or correction as it is reporting a late payment inaccurately, even though I do not have documentation showing that I was ever 30 days past due : Disputed Account Details : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Mortgage Conventional Real Estate Bureaus Reporting : TransUnion, Experian, Equifax Status : Open Date Opened : TransUnion : XX/XX/year> Experian/Equifax : XX/XX/year> Balance : {$160000.00} Monthly Payment : {$1800.00} Past Due : {$1800.00} Payment Status : Reporting Late 30 Days across all three bureaus High Credit : {$180000.00}

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year> I went in to the PNC branch on XXXX XXXX XXXX in XXXX NC and requests to take {$320.00} from my money market account and the teller was talking to the teller next to her and she took the money out of my checking account.I bounced and check for my federal taxes due to the teller 's error.My overdraft protection paid after the government resubmitted my check.Now the bank is charging me a fee and interest on the overdraft.I have talked to about XXXX or XXXX people at corporate and XXXX at the bank and they keep saying that they are going to help me and fix it but they never call back and have not fixed it.They will not let me pay off the overdraft in full and keep charging me daily interest until all of the overdraft is payed in XXXX XXXX in the bank told me i just had to pay the daily interest and payments until the overdraft is payed off.Please help me.They told me that I could not close my accounts either because I had transferred money out of my money market account into my checking account and that was a transaction that was pending so I could not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
My information was hacked in a data breach these accounts were not authorized by me to open. i have included an ftc report please remove and keep off my credit profile

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 2025-07-27 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: VA

Complaint narrative:
My information was hacked in a data breach these accounts were not authorized by me to open. i have included an ftc report please remove and keep off my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 16814

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 2025-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
FORMAL COMPLAINT NARRATIVE TO CFPB ( Experian XXXX Bank of America XXXX Violations ) XXXX. Background & XXXX XXXX, XXXX XXXX fraud alert ( ID # XXXX ) with Experian after suspected identity XXXX XXXX, XXXX Experian credit report ( XXXX ) showing : XXXX XXXX accountfalsely reported XXXX days delinquent ( {$2600.00} balance ) XXXX unauthorized accountsopened post-fraud XXXX XXXX, XXXX formal dispute with Experian via XXXX mail ( XXXX XXXX Formal Dispute ... pdf ) XXXX dismissed claim viaautomated E-OSCAR systemwithout human XXXX XXXX, XXXX of XXXX denied credit application ( Ref # XXXX ) citing Experians false data ( BANK OF AMERICA TEXAS ... pdf ) XXXX XXXX XXXX XXXX cease-and-desist demand to Experian ( XXXX - Formal Complaint ... pdf ) XXXX corrective action taken by either XXXX. Violations & Legal BasisExperians XXXX XXXX : Ignored active fraud alert, allowing XXXX fraudulent accounts.FCRA XXXX ( b ) : Reported false XXXX delinquency XXXX verification.CFPB XXXX XXXX XXXX ( c ) : Automated dispute dismissal violated investigation requirements.Bank of Americas XXXX XXXX ( b ) : Relied on unverified data to deny credit.CFPB Regulation F ( XXXX XXXX XXXX ) : Failed to investigate disputed XXXX XXXX XXXX XXXX : Deceptive reporting of invalid debts.Precedent XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX CRAs must block fraudulent accounts during active XXXX XXXX XXXX XXXX ( XXXX ) : Requires human review of disputes, not automated XXXX. Harm SufferedFinancial Loss : XXXX XXXX XXXX points, disqualifying me from XXXX % auto loan.Time XXXX hours spent disputing errors ( XXXX - Formal Dispute ... pdfcorrespondence ) .Emotional Distress : Ongoing anxiety defending against identity theft enabled by Experians XXXX. Evidence XXXX of false XXXX delinquency and post-alert fraud accountsBANK OF XXXX TEXAS ... pdfCredit denial letter citing Experians XXXX - Formal Complaint... pdfCease-and-desist notice ignored by XXXX CFR Part XXXX Regulation F text showing furnisher XXXX XXXX XXXX XXXX XXXX prohibiting deceptive debt XXXX. Demands for ResolutionExperian Must : Delete all fraudulent accounts and correct XXXX delinquency status.Confirm in writing that Fraud Alert # XXXX remains active.Pay statutory damages of {$1000.00} per XXXX FCRA XXXX of XXXX XXXX XXXX Reprocess credit application with accurate data.Provide documentation validating reported XXXX XXXX Must : XXXX XXXX Metro XXXX abuses industry-wide.Impose XXXX under Texas XXXX XXXX ( treble damages ) .Deadline XXXX XX/XX/XXXX ( 30 days from complaint submission ).

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