vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-22 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. As well as I need all soft and hard inquires from all 3 credit bureaus deleted immediately. if not removed within 3 days I will make sure to send the letter for intent to sue. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-06-22 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: TN

Complaint narrative:
I previously submitted a valid FTC Identity Theft Report and disputed an account from XXXX XXXX XXXX that appeared on my Equifax report. The account was removed as a result of my fraud claim. 

However, the same account has now been reinserted without any 5-day written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ).

This account is not mine, and I continue to dispute it as the result of identity theft. Reporting it again without proper re-verification violates the law.

I request an immediate permanent block and deletion of this collection account from my credit report under FCRA 605B. 

Attached are my FTC Identity Theft Report, ID, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
They violated my rights as a consumer Under 15 USC 1681B And I need These accounts blocked and removed off my Credit Report as soon as possible. XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-22 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:
They violated my rights as a consumer Under 15 USC 1681B And I need These accounts blocked and removed off my Credit Report as soon as possible. XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In XX/XX/year> I was notified by The XXXX XXXX of XXXX XXXX, XXXX ( XXXX ) that my personal information was exposed in a cybersecurity incident. 

XXXX notice explained that an unauthorized party accessed its network and obtained files containing customers names, dates of birth, Social Security numbers, and other personal data. 

Shortly after receiving the breach letter, I reviewed my credit reports and discovered several accounts that I did not open I have never applied for credit with the companies reporting these accounts, have not authorized anyone else to do so, and have suffered harm to my credit and peace of mind. 

I CREATED A FTC REPORT # XXXX. DELETE ALL ACCOUNT BELOW. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX PA XXXX XXXX PA XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In the fall of XXXX I purchased a plane ticket with XXXX XXXX for a flight in XX/XX/XXXX. I used a credit card with Chase Bank to make the purchase. I cancelled my Chase credit card around the end of XXXX. I later cancelled my flight and XXXX XXXX attempted to refund the charge to my now-closed Chase credit card account. Chase claims they sent the money back to XXXX XXXX because the account was closed. XXXX XXXX claims they never received the money back. I need someone at Chase to investigate for me and find the {$710.00} that I have never been refunded. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this complaint against Transunion, Experian, and Equifax for violation I do believe to be the Fair Credit Reporting Act and several other consumer protection laws. There are several accounts listed on my consumer report that have late payments. It is my belief that neither company have any proof that these payments were late. 

XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX. ) XXXX XXXX XXXX & XXXX Account # XXXX XXXX. ) XXXX XXXX FINANCIAL DBA Account # XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX. ) XXXX XXXX XXXX & XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive recently reviewed my report and found inaccurate details that do not pertain to my background

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Some time in XXXX I opted in for automatic payment on my credit card in the full amount I owed each month. I use my card a couple times a month for gas and other miscellaneous things but never enough to amount to too much. I recently checked my credit card app and thought my balance looked very high ( over {$4000.00} ) and immediately went to check my charges out of fear someone was using my card. I noticed an interest fee being charged on my account monthly : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, I am not able to see past XX/XX/XXXX. I called customer support on XX/XX/XXXX who told me I was opted for partial auto payment. I expressed this was incorrect and I had opted for full payments. After multiple back and forth I instructed the representative to switch me off partial and onto full payments. My bill in XXXX amounts to over {$4000.00} which is not accurate. I checked my email and noticed back in XXXX of XXXX I received an email from capital reminding me of my monthly payment and that I was enrolled in auto payments in full. I called capital one customer service back and explained that they had lied to me and I had evidence to show I should not be being charged interest and that I was enrolled in auto payments in full. I spoke with a senior customer service representative XXXX XXXX XXXX who stated they could not waive or reimburse me the fees and that she did not know what to tell me and she did not see any errors on her end. I told her I had email evidence that I was enrolled in full payments and she still wouldnt do anything to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My issue/complaint is better explained by pasting my XXXX comment regarding this bank : I Recently opened a new " bank smartly '' account with US Bank XXXX Deposited XXXX  XXXX $ dollars. Once logged in, I attempted to send {$1000.00} via XXXX. I was then immediately locked out of my account. Got error msg stating " Call US at.... to access your account ''. I called them and was told to " Wait 24 hours before attempting to log in. That was yesterday. Well, 24 hours later I was able to log in but was immediately locked out again after attempting to send money via XXXX again. Called US Bank again ( about 6 times total ). Well.... Alas and behold, I was told to wait another 24 hours and try again. Hmmm......... The script driven call center rep immediately transferred me back into the que... Hmm.... wait time 40 minutes. I just gave up ( attempting to get anything done on the weekend with these people ). I believe this may be another case of a bank/company fraudulently holding on to other people 's money for multiple days to earn interest on their customers ' money. Using " it's a system issue, we can't do anything right now '' as a lame XXXX excuse Thousands of customers multipled by millions of dollars multipled by roughly 3.9 % APR or more. WOW! Great racket they have going on here. Typical C suite scheme to enrich themselves at other people 's expense. So horribley sad indeed.

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 2025-06-22 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:
Hi my name is XXXX XXXX XXXX, and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization.

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *.

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available XXXX XXXX to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal 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 non-monetary relief
Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization.

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *.

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available XXXX XXXX to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal 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 2025-06-22 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: GA

Complaint narrative:
As I am working toward homeownership, I began reviewing my credit report on XX/XX/year>. I noticed a concerning XXXX account and requested an investigation. XXXX responded by claiming the account was verified, but despite numerous requests and submitting proof of my identity multiple times ( both online and by mail ). I have never received valid documentation proving the debt is mine or accurate. 

Additionally, I have observed that the credit bureaus are reporting this XXXX account as open and charged off, while also showing it as XXXX days late, then XXXX days late, and so on, each month, as if it continues to accrue new delinquencies even after being charged off. This appears to be abusive and misleading financial reporting. If it's not illegal to continue to open and close accounts without consumer knowledge, it should be. 

This situation has had a devastating impact on my credit and is preventing me from moving forward with important life goals. Please investigate this matter thoroughly and assist in correcting or removing this inaccurate information.

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