vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
Im reaching out to file a formal complaint regarding the continued reporting of inaccurate information on my credit report. I have previously disputed this account, yet it remains unchanged and continues to report incorrect details. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681s-2 ( b ), which require all furnishers and credit bureaus to report only accurate and verifiable information and to conduct a proper investigation upon receiving a dispute.

By continuing to report information that has not been fully verified or corrected, your organization is failing to maintain the accuracy and integrity of my credit file. This ongoing inaccuracy has negatively affected my credit standing and may lead to further damages if not resolved promptly.

I am requesting that you immediately reinvestigate this matter, remove or correct the inaccurate information, and provide me with written confirmation once the update has been completed. Please ensure that all reporting going forward complies with federal law and reflects 100 % verified and accurate data.

Thank you for your prompt attention to this issue. I expect a timely response and resolution in accordance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Over the course of 11 years, my private student loan has been transferred between several servicers, each with variable interest rates. Most recently, it was serviced by Navient and is now with XXXX. Despite consistently making on-time payments, often above the required minimum, my principal balance never seemed to decrease. I later learned that Navient was found to have misled borrowers and was ordered to pay a settlement to affected individuals. I believe I was one of those borrowers who received misleading information, which resulted in my loan accruing excessive interest and becoming increasingly difficult to pay down. My original loan amount was {$10000.00}. To date, I have paid over {$8100.00} yet my current balance has increased to {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-11-05 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: MI

Complaint narrative:
LATE PAYMENTS ON MY CREDIT REPORT ACCORDING THE FAIR CREDIT ACT CODE 15 USC 1666B THESE LATE PAYMENTS MUST BE REMOVED OTHERWISE IS ILLEGAL AND UNLAWFUL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
LATE PAYMENTS ON MY CREDIT REPORT ACCORDING THE FAIR CREDIT ACT CODE 15 USC 1666B THESE LATE PAYMENTS MUST BE REMOVED OTHERWISE IS ILLEGAL AND UNLAWFUL

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 2025-11-05 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: GA

Complaint narrative:
XXXX XXXX Account {$950.00} is not mine, sister opened in my name without me knowing.

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 2025-11-05 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: GA

Complaint narrative:
XXXX XXXX Account {$950.00} is not mine, sister opened in my name without me knowing.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a email stating you locked my account because I made payments to my account. I called twice and got hung up twice, I called back and th representative called to verify my bank. He called the wrong bank!!!! I gave someone my personal information because of negligence and incompetence of capitol one.

I am not happy and I want a contact that I can pursue further investigation of CapitalOne violating my personal information. I have reported this to the FTC, you and better business bureau.

This is completely unacceptable of them trickingmeto give personal information to a financial institution that isnt even mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
On XX/XX/year>, the Tomo - Tomocredit application was connected to my XXXX  XXXX XXXX account and {$990.00} was withdrawn from my bank account without specifying any options. I did not make such a transaction and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-05 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: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-05 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization.

Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions.

Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed an unauthorized transaction on my Wells Fargo account that was made through XXXX. I did not authorize this purchase, and I do not have my debit card linked to a XXXX account. The transaction appeared as pending at first, then later posted to my account. 

I immediately contacted Wells Fargo to dispute the charge and report it as fraudulent. I requested that Wells Fargo investigate the transaction and credit back the stolen funds. I also asked whether the charge could be traced to identify who made the purchase and to confirm whether XXXX has been notified.

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 monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone used my personal information without my permission to open or use credit accounts in my name. These accounts are not mine, and I did not authorize them. 

I have already filed an identity theft report with the FTC XXXX Federal Trade Commission ) and a police report. I have also contacted the affected creditors and requested removal of fraudulent accounts and inquiries. 

I am requesting that the CFPB help ensure the credit bureaus ( XXXX XXXX XXXX XXXX ) correct my credit report by removing all fraudulent accounts, inquiries, and negative information related to this identity theft. 

Please assist in having my credit reports updated and verified, and ensure that lenders and credit bureaus comply with the Fair Credit Reporting Act regarding identity theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

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 explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
ON XX/XX/year> I SENT A CERTIFIED LETTER TO XXXX  XXXX DEMANDING THEY FIX THEIR FRAUDULENT REPORTING REGARDING MY NAME AND SSN. THEY HAVE STILL NOT RESONDED TO MY 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. to formally dispute inaccurate, incomplete, and unverifiable information being reported in my consumer file. The following accounts violate multiple provisions of the FCRA and must be deleted immediately. 1. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported as Charge-Off, Balance {$470.00}, Date Opened XX/XX/XXXX Closed XX/XX/XXXX Dispute Basis : The account is reported as charged off while still showing an active balance and inconsistent Date of Last Payment. 
XXXX  is reporting payment activity and a status inconsistent with the original creditors standard reporting cycles.

Under FCRA 1681e ( b ), the CRA must assure maximum possible accuracy of information. This account reflects mutually exclusive data ( charge-off + open balance + payment activity ), rendering it inaccurate and unverifiable.

2. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported as Charge-Off, Balance {$470.00}, Opened XX/XX/XXXX, Closed XX/XX/XXXX Dispute Basis : The payment history displays inconsistencies ( payments reported after the charge-off date ), violating FCRA 1681c ( a ) ( 5 ) and FCRA 1681e ( b ) for accuracy.

The account shows Paid Monthly terms after closure, which is factually impossible.

No signed contract or account-level validation has been provided proving ownership of this alleged debt. Under FCRA 1681i ( a ) ( 5 ) and 1681b ( a ) ( 3 ), unverifiable data must be deleted.

3. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Collection account reported for {$670.00}, opened XX/XX/XXXX, original creditor XXXX XXXX XXXX XXXX 
Dispute Basis : This item reflects a factoring company account status, which is misleading and inaccurate under FCRA 1681e ( b ).

The account is also flagged Account information disputed by consumer ( FCRA ) meaning prior verification attempts failed or were inconclusive. 
XXXX XXXX XXXX is a debt collector, not an original creditor. Under FCRA 1681s-2 ( a ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), the furnisher must provide full validation of the debt, including original signed contracts and itemized statements.

Any continued reporting without validation constitutes willful noncompliance under FCRA 1681n and 1681o, subject to damages and attorneys fees.

In compliance with FCRA 1681i ( a ), I am demanding a full reinvestigation of these items within 30 days of receipt of this letter. If these accounts can not be verified with original creditor documentation, they must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Have had a GM rewards card through " Marcus by Goldman Sachs '' Card transferred to XXXX. 

Asked Marcus before transfer for retention of my statements Was told to ask XXXX Asked XXXX-was told to ask Marcus Asked Marcus again-was told to ask XXXX Requested Legal Department at Marcus was stone-walled Asked for a contact for Legal department to request statements, phone, fax, email, anything.

Was told can not give out that information.

This is a financial crime.

This information can not be withheld.

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