vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2900.00}

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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate, unverifiable account information and unauthorized inquiries reported on my credit file.

1. Inaccurate Late Payments and Charge-Off : The following accounts are reporting late payments and a charge-off which are either inaccurate, unverifiable, or do not reflect the true payment history : XXXX XXXX XXXXXXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} Late Payment XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2500.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$11000.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5300.00} Charged Off These accounts are harming my credit standing, and upon request, Equifax has failed to provide proper verification or investigation of these negative entries. This is a clear violation of FCRA Section 611, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items and remove any that can not be verified.

2. Unauthorized or Unfamiliar Inquiries : The following hard inquiries appear on my credit report without my authorization : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA Section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only if the consumer authorizes the request. These inquiries were not initiated nor approved by me, and Equifax has failed to validate the permissible purpose of these inquiries.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate Equifax for the following : Failure to remove or verify inaccurate late payments and the charged-off account.

Failure to confirm consumer consent or permissible purpose for the listed inquiries.

Noncompliance with FCRA 's required reinvestigation procedures.

I request the immediate deletion of all inaccurate negative accounts and all unauthorized inquiries from my Equifax credit file. These reporting errors are unjustly lowering my credit score and harming my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was approved for a payment extension on my Capital One auto loan. Despite this agreement, my account was still debited for the full payment amount on XXXX I removed the recurring payment during the extension approval online, and Capital One still processed the withdrawal. When I contacted customer service, I was told they could not reverse the transaction even though the payment should not have been taken under the terms of the extension. 

This has caused financial hardship, and I am seeking assistance in getting the payment refunded or credited. I would like Capital One to honor the agreement they made and correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Theres apparently a common hotel scam that i was unaware of where the caller was posing as the co owner and a fake XXXX XXXX  shipment they called me around XXXX XXXX XX/XX/year> ended up resulting with me sending XXXX through cashapp XXXX to their account. I have already filed a police report and called XXXX  which is where i took the money from and they declined reimbursement and cashapp says they dont do reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
My XXXX  account was placed on a legal hold for the amount of {$5400.00} due to a XXXX court order placed by Forster and Gaarbus LLP for a debt I was not notified I was being sued for. I did not receive any onformation regarding this lawsuit or any judgments placed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate late payment entries that appear on my credit report. Upon reviewing my report, I noticed late payment ( s ) reported for the account ( s ) listed below, which I believe to be incorrect. 

Account Name : XXXX Account Number ( Last XXXX Digits ) : XXXX Date ( s ) of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Date ( s ) of Alleged Late Payment ( s ) : XX/XX/XXXX and XX/XX/XXXX These reported late payments are factually inaccurate and misleading.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a reasonable investigation of any disputed information and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. In addition, under 15 U.S.C. 1681e ( b ), XXXX  is obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax\XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXXRecently, I did an investigation on my credit report and found several item on there to be inaccurate \n\nUnder 15 US Code 1681e (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n15 U.S Code 1681i (5) Treatment of inaccurate or unverifiable information (A) in general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified. The consumer reporting agency shall (I) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nPlease remove the following items from my credit report, immediately;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax\XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXXRecently, I did an investigation on my credit report and found several item on there to be inaccurate \n\nUnder 15 US Code 1681e (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n15 U.S Code 1681i (5) Treatment of inaccurate or unverifiable information (A) in general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified. The consumer reporting agency shall (I) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nPlease remove the following items from my credit report, immediately;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called Chase Bank for reason why my account was randomly closed. I talked to 3 different people and they all said they cant tell me why it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
What is the issue? 
Credit reporting company is reporting inaccurate information.

What happened? ( Details of your complaint ) I am filing a formal complaint against XXXX for reporting an inaccurate charge-off account on my credit report. The account details are as follows : Creditor Name :XX/XX/XXXX Account # : XXXX Status : Closed - Charge Off Reported Balance : {$2300.00} Credit Limit XXXX {$1900.00} Reported Past Due : {$2300.00} Date Reported : XX/XX/year> The reported balance exceeds the credit limit, which raises concerns about the accuracy and legitimacy of this debt. This reporting may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, specifically : Section 611 ( 1681i ) : I have a right to dispute any information that is inaccurate, incomplete, or can not be verified. 
Section 1681s-2 : Furnishers are required to report accurate information and correct errors.

Section 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

To date, I have not received proper validation or proof of this debt. Until this information can be verified with supporting documentation, it should not continue to appear on my credit file. I respectfully request an investigation and removal of this account if it can not be substantiated.

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 2025-06-23 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:
What is the issue?

Credit reporting company is reporting inaccurate information. 

What happened? ( Details of your complaint ) I am filing a formal complaint against XXXX for reporting an inaccurate charge-off account on my credit report. The account details are as follows : Creditor Name : XXXX  Account # : XXXX Status : Closed - Charge Off Reported Balance : {$2300.00} Credit Limit XXXX {$1900.00} Reported Past Due : {$2300.00} Date Reported : XX/XX/year> The reported balance exceeds the credit limit, which raises concerns about the accuracy and legitimacy of this debt. This reporting may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, specifically : Section 611 ( 1681i ) : I have a right to dispute any information that is inaccurate, incomplete, or can not be verified. 
Section 1681s-2 : Furnishers are required to report accurate information and correct errors.

Section 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

To date, I have not received proper validation or proof of this debt. Until this information can be verified with supporting documentation, it should not continue to appear on my credit file. I respectfully request an investigation and removal of this account if it can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
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 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