vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Balance {$480.00} Date Opened:XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXalance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-12-08 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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Balance {$480.00} Date Opened:XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXalance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-12-08 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:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Equifax. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Equifax has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Equifax to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Equifax records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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 2025-12-08 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : Capital one Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-of
f is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
Date of incident : XX/XX/2025 Time : XXXX XXXX  Company : Hunt & Henriques, XXXX Violation : Illegal third-party disclosure On XX/XX/2025 at approximately XXXX XXXX, a representative from Hunt & Henriques XXXX XXXX came to my residence. I did not answer the door ; someone else in the household did. The representative asked by full name ( XXXX XXXX XXXX and stated that he was there to collect a debt, referencing a credit card debt. 

This disclosure was made to a third party who does not owe the debt. This violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from revealing debt-related information to anyone other than the consumer. It also violates the California Rosenthal Fair Debt Collection Practices Act. 

The representative was a tall male wearing glasses. He did not provide any written notice or leave any paperwork. Our XXXX camera recorded his presence at the door, though the audio of the conversation was not captured. 

I am requesting that this incident be investigated as an unlawful third-party disclosure and a violation of both the FDCPA and California law XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 just want to follow up this complaint regarding multiple inaccuracies on my credit report, including incorrect addresses, misreported charge-offs, collections, and disputed inquiries. My addresses are inaccurately listed as XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; and XXXX XXXX XXXX XXXX XXXX, FL XXXX. Several charge-offs are inaccurately reported, including XXXX XXXX  ending XXXX with a balance of {$4300.00}, XXXX XXXXXXXX with {$290.00}, XXXX XXXX XXXX XXXX {$2200.00}, XXXX XXXX XXXX XXXX with {$670.00}, and XXXX XXXX XXXX with {$3100.00}. Collections are also misreported or inaccurately attributed, including XXXX XXXX  ( Original Creditor : City of Tallahassee Utilities XXXX ) with {$180.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with {$1700.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with {$1700.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) with a {$0.00} balance. Additionally, there are inquiries that I am disputing, including XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX while several inquiries are inaccurately listed and not disputed, such as XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These inaccuracies are negatively affecting my creditworthiness,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
My phone and wallet were stolen when I was taken to jail on XX/XX/year> at XXXX pacific time. I did not get released from jail till the following day around XXXX. 
There were multiple transactions from XXXX to midnight the night I was incarcerated. 
Those transactions amounts total up to {$2800.00} They were transfers to other people and I do not have any knowledge of nor do I have any previous transactions with these people. Also money was taken out through the atm as well because my phone had been stolen along witb my wallet that had all the necessary information to change my PIN etc. 
I provided my jail paperwork and release times were clearly written on the papers as well. Chime denied my claims which was completely unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
am writing to formally dispute information contained in my XXXX Consumer Report. My report and consumer score indicate several inquiry-related reason codes ( GC, GD, and GB ) that I believe may be inaccurate or not fully representative of my banking history.

I request that ChexSystems conduct a reinvestigation of all inquiry-related reporting on my file, including : Unique DDA inquiry activity Insufficient DDA inquiry activity at the same financial institution Time since DDA inquiry activity Under the Fair Credit Reporting Act ( FCRA ), I have a right to dispute information I believe may be inaccurate, incomplete, outdated, or not verifiable. Therefore, I request the following : 1. Verification of all reported inquiries, including the date, financial institution, and purpose.

2. Removal of any inquiry that can not be fully verified or was made in error.

3. Correction of any outdated, duplicate, or misreported inquiry activity.

4. An updated copy of my XXXX report once the reinvestigation is completed.

Please provide written confirmation of your investigation results within the time period required by the FCRA ( generally 30 days ). I have enclosed a copy of my identification for verification.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrections made to my file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am sending this complaint in pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. 
Additionally, I have been affected by multiple national data breaches other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$870.00} XXXXXXXX XXXX XXXX XX/XX/year> Under federal law, I am requesting : The original signed contract Billing statements Treatment records All documentation used for verification If the furnisher can not produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ) Requested Action ( Required Under Federal Law ) Under FCRA 605B, 607 ( b ), 611, and FDCPA requirements, I am requesting that CFPB : Conduct a reasonable reinvestigation Block and delete any identity theftrelated or unauthorized information Remove all unverifiable, inaccurate, or mixed-file data Provide written results of the reinvestigation Provide copies of ALL documentation used to verify disputed items ( per FCRA 609 ( a ) ) If any furnisher can not provide legally valid documentation including signed contracts, billing statements, or proof of permissible purpose the information must be deleted, not updated. 
Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA XXXX Prohibits false, deceptive, or unverifiable collection activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: DISCOVER BANK
State: NC

Complaint narrative:
1. This Account Is Beyond Standard Reporting Age A paid account that is almost a full decade old should not be continuing to negatively impact my file.

The FCRA allows reporting for up to 7 years from the Date of First Delinquency ( DOFD ) NOT from when the account was closed or paid. 

This Discover account is 9 years 3 months old, which strongly indicates : The DOFD may be incorrect The account may have been re-aged The furnisher is not ensuring accuracy If the DOFD has been altered to extend harmful reporting, that is a direct FCRA violation.

2. Continued Reporting of a Paid Account This Old Is Misleading This account has zero balance, yet Discover still allows it to appear in a way that harms my credit profile. 
An account this old : No longer reflects my current creditworthiness Provides no legitimate predictive value Serves only to artificially suppress my scores A furnisher must ensure information is accurate, relevant, and not misleading, and Discover is failing to meet this standard.

3. Discover Has Failed to Provide Verification or Clarify DOFD I have attempted to dispute this with the bureaus, yet Discover has never provided : Documentation showing the TRUE, original DOFD Proof that the account is still within legal reporting limits Evidence to justify continued appearance on my file Their failure to verify and maintain accurate records violates FCRA 1681s-2 ( b ).

4. Reasonable Investigation Was NOT Conducted The responses to my disputes have been generic and automated, with no meaningful review of the age or accuracy of this account.

A furnisher must perform a reasonable investigation, not simply push an automated verified response.

This is non-compliant with FCRA obligations.

5. This Outdated Account Is Causing Ongoing Harm Because Discover is allowing this nearly decade-old account to remain : My creditworthiness appears artificially weakened Im being denied proper credit opportunities My score is being suppressed by an account that should no longer impact me This is unfair, inaccurate, and prejudicial reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this follow-up regarding inaccurate information reported on my TransUnion credit report for my XXXX XXXX account XXXX Account XXXX : XXXX ). The account is reported with a balance of {$19000.00}, a last activity date of XX/XX/year>, a last payment date of XX/XX/year>, and an account opening date of XX/XX/year>. It also shows a XXXX late payment in XX/XX/year>, which I have verified as incorrect. Despite my repeated attempts to have TransUnion and XXXX XXXX investigate and correct this information under FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), 623 ( b ), 1666, and 1666a, the account continues to reflect inaccurate late payment data. This erroneous reporting has negatively affected my credit score and financial standing. I have provided copies of statements and payment records confirming that all payments were made on time, yet the incorrect reporting persists without proper verification or correction.

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