vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
This is not my debt. I am a victim of identity theft. 
This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed. 

I have filed an identity theft report and can provide documentation upon request. Please delete this account and confirm in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This is not my debt. I am a victim of identity theft. 
This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed. 

I have filed an identity theft report and can provide documentation upon request. Please delete this account and confirm in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
subject : Faulty Receipt and Missing Cash Deposit I am writing to formally report a serious issue that occurred today at your Capital One location at XXXX XXXX XXXX, I went in to deposit {$100.00} in cash toward my {$99.00} balance I owed, and the teller gave me a receipt that does not accurately reflect the transaction. The receipt does not show the cash deposit I made, even though I handed the money over and was under the impression it would be properly applied to my account. 

I would like this investigated immediately. Please check your internal records and security footage for confirmation. I am also requesting a written response explaining how this issue will be resolved, and whether the missing funds will be recovered and properly credited to my account. 

In addition to the financial issue, I want to report the unacceptable conduct of the teller involved. On both Friday, XX/XX/year> and today the same employee was rude, dismissive, and clearly uninterested in helping me. She made me feel disrespected, and her attitude strongly gave the impression that she did not want to assist me at all. Her tone and behavior were unprofessional, and I left the branch both times feeling mistreated and discriminated against. 

If this issue is not resolved promptly, I will have no choice but to escalate the matter to your corporate office, file a complaint with the appropriate regulatory agencies, and consider legal action. 
Please confirm receipt of this email and let me know the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
This is not my debt. I am a victim of identity theft. 
This account XXXX XXXX XXXX for {$230.00} was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed. 

I have filed an identity theft report and can provide documentation upon request. Please delete this account and confirm in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Draft Complaint / Statement Date : XX/XX/XXXX To Whom It May Concern : I am writing to file a complaint regarding a misleading credit card application process that occurred on XX/XX/XXXX, at a JCPenney store, XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. 

On XX/XX/XXXX, a JCPenney employee offered me what she described as a JCPenney membership. At no time did she verbally inform me that I was applying for a credit card. Based on her explanation, I believed I was simply enrolling in a store membership or loyalty program.

Later, I discovered that what I had signed up for was actually a JCPenney credit card. Once I realized this, store staff guided me to immediately close the credit card account. 

I believe I was misled and subjected to deceptive sales practices. I never knowingly consented to opening a credit card account, nor was I given clear verbal disclosure that this was a credit application involving a credit inquiry or the issuance of a credit line in my name. 

This has caused me significant distress and concern about my credit history and personal 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
Consumer complaint received 2025-07-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am writing to formally dispute and request the immediate removal of several fraudulent accounts & hard inquiries that have been reported on my TransUnion credit file. These accounts were fraudulently opened without my authorization and are the result of identity theft. I am a verified victim of identity theft, and I demand that these accounts and inquiries be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a check was deposited electronically into my sons ( a minor at the time ) Wells Fargo checking account and then at least 2 people were added to his XXXX contacts, then money was transferred out of the account via XXXX totaling {$340.00}. 
None of this was done with our knowledge nor consent .My son never gave anyone authority to do this nor gave anyone access to use his account or account info. As soon as I verified that this was not my son depositing or using XXXX ( he had never deposited nor used XXXX yet at that time ), I called and reported this to Wells Fargo and had them freeze the account - XX/XX/XXXX. 

They investigated and concluded 3 times that my son did this himself and that this was not fraud or a scam in XXXX. They proceeded to close his account, even a new account I opened for him. 

I heard nothing for almost 2 yrs. I opened another joint account XX/XX/XXXX without problems. In XX/XX/XXXX I tried to open a CD and found out that I was flagged for early warning to be reported to the credit agency for the XX/XX/XXXX case and that did without any warning to me that I was going to be delinquent or in collections. I filed another escalation complaint case, which was just denied again with the same conclusion. 
I paid the delinquent amount that we were scammed in hopes to clear my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
I believe XXXX mortgage overzealously reports to credit bureaus and uses constant harrassment if payment is one day late.

My mortgage is always current but usually late by 2 weeks but always paid. I have asked to move my payment to the end of the month which would resolve the late payments but they said they could not. Therefore my budget remains paying 2 weeks late plus the late fee. During those 2 weeks I get about 4-6 calls daily from Carrington. I have also asked a Carrington representative to look at my payment history and since my payment is always made mid month, one would thing the phone calls could be held off. 

Last month my house had some damages from an appliance over flow. We had some significant insurance repairs and deductibles to pay. 

I went on carringtons website and filled out a section saying there was home damage and the payment would be XXXX weeks late. I set a date as agreed to pay by and ended up paying it earlier than said date. 

Despite me inforning carrington I have forclosure notices coming certified mail for a mortgage that is current My credit score has plummeted. I can see through credit inquires that carrington is constantly reporting. ( I never had this issue before I refinanced from XXXX XXXX ) I never had a poor credit score until doing business with Carrington.

I believe Carrington mortgage practices are over-zealous, malicious, harrassing and in violation of collection regulations. 

Carrington treats customers like criminals. I have never defaulted on any loan. 
Refinancing with them was not worth the harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am writing to formally dispute the reporting of a child support account that appears on my credit report. After reviewing my consumer file, I have identified an inaccurate and improperly verified item concerning child support that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 1681s-2 ( a ).

According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. I contend that the reporting and continued furnishing of this child support account does not fall under those clearly defined permissible purposes and was shared or used without proper authorization or legal standing.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to provide accurate information and to correct and update information that they determine to be incomplete or inaccurate. I have reason to believe that the agency reporting this child support obligation failed to conduct a proper investigation into the validity of this account. This includes failing to validate whether the account is legally enforceable or accurate, and whether it should be reported in the manner in which it has been. 

Because of the failure to follow these legal requirements, I am requesting that this item be immediately removed from my credit report. The presence of this inaccurate entry is causing undue harm to my creditworthiness and overall financial wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts hindering my ability to obtain credit. They have been reinstated without my consent or notification after being removed and deleted THREE TIMES. This is now an act of AGGRAVATED IDENTITY THEFT. PLEASE REFER TO THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$530.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : AccounXXXX XXXX XXXX XXXX XXXX I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXXXXXX XXXX XXXX XXXX 

I am disputing this account based on violations of the XXXX XXXX credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. In addition, according to because it is a charge off with a profit loss, I should have been sent a XXXXXXXX XXXX form. In addition these XXXX XXXX laws are being violated : 15 USC 680z - Banks are supposed to let me know about the credit reporting ; 15 USC 1681b - Send me written instructions that it will be on my credit report and 18 USC 1028a - passing my info without lawful authority. 

After reviewing my credit report and the information provided by XXXX XXXXXXXX XXXX  XXXX XXXX have found several violations of the XXXX XXXX XXXX. These violations include : Incorrect balance and an incorrect payment history. 

Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX and XXXX that they remove the account, but they have refused to do so. 

Please investigate this matter and remove this account from my credit report if you find that it has been reported inaccurately or in violation of the XXXX XXXX guidelines. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation