vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-04-12 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: AR

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
Subject : Immediate and Unconditional Deletion of My Credit Report Due to Identity Exposure on the Dark Web To Whom It May Concern, This letter is a formal, non-negotiable demand for the complete and permanent deletion of my credit report and all associated data from your system, effective immediately. 

My entire identity has been compromised and exposed on the dark web. This includes but is not limited to my name, Social Security number, date of birth, and other sensitive identifiers. As a result, I am at constant risk of fraud, data abuse, and ongoing financial harm. There is no longer a safe or accurate way for you to store or report any credit-related data under my name. 

Let me be absolutely clear : I am not providing identification, I am not filing police reports, and I am not submitting FTC claims. My data has already been exposed and I will not compromise my safety further by circulating sensitive information that is already vulnerable. 

I demand the full deletion of my credit report and any personal data associated with it. Partial measures like freezes, alerts, or item disputes are insufficient and irrelevant. You can not legally or ethically justify the retention of compromised data under these circumstances. 

You have no legal right to maintain data that you can not guarantee is accurate or secure. If you fail to comply with this demand within XXXX business days, I will take immediate legal action and file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The XXXX XXXX XXXX Attorney General Data privacy and consumer rights advocacy groups News outlets covering consumer data breaches and credit reporting abuse This is your final notice. My data has been exposed to criminal networks. Your continued possession or reporting of this information constitutes a direct threat to my safety and a violation of my privacy rights. 

I expect written confirmation that my entire credit report has been deleted not frozen, not restricted, but fully removed and that no further data collection or reporting will occur under my name. 

No exceptions. No delays. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
Data breach Equifax there was account and multiple inquiries in report All XXXX XXXXXXXX XXXX XXXX all inqyires XXXX XXXX XXXX XXXX  all inquires XXXX ( all ) XXXX XXXX balance XXXX fraud XXXX XXXX XXXX balance remove XXXX XXXX  XXXX fraud XXXX XXXX  XXXX there are 20 accounts fraud should only be one XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Formal Demand for Deletion of Credit File Due to Compromised Identity To Whom It May Concern : This is a formal demand to delete and permanently expunge my entire credit file from your system due to the compromise and exposure of my personal identifying information on the dark web. My identity is now severely vulnerable and at ongoing risk for abuse and fraudulent use.

You are hereby notified that I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and any applicable consumer protection laws. I am demanding the complete deletion of my credit file from your records. I am not providing identification documents or filing reports with third-party agencies the exposure of my data is a known and escalating national crisis, and I will not subject myself to further risk by sharing additional personal data.

This demand is non-negotiable. Your agency can not guarantee the safety or accuracy of data associated with an identity that has been compromised. Continuing to maintain this file exposes me to further harm and violates the spirit and intent of federal consumer protection statutes.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Demand for Deletion of Credit File Due to Compromised Identity To Whom It May Concern : This is a formal demand to delete and permanently expunge my entire credit file from your system due to the compromise and exposure of my personal identifying information on the dark web. My identity is now severely vulnerable and at ongoing risk for abuse and fraudulent use.

You are hereby notified that I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and any applicable consumer protection laws. I am demanding the complete deletion of my credit file from your records. I am not providing identification documents or filing reports with third-party agencies the exposure of my data is a known and escalating national crisis, and I will not subject myself to further risk by sharing additional personal data.

This demand is non-negotiable. Your agency can not guarantee the safety or accuracy of data associated with an identity that has been compromised. Continuing to maintain this file exposes me to further harm and violates the spirit and intent of federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Thank you for helping and looking into this situation > I am reporting unauthorized charges made to my XXXX account through XXXX, which I did not authorize and which occurred while I was asleep. On XX/XX/year>, I woke up to find XXXX charges of {$1.00} each from XXXX. I do not know what this merchant is, and I never purchased anything from them especially not while I was asleep. 

When I tried to dispute these transactions on XXXX, it showed the charges as if they occurred on XX/XX/XXXX, even though I saw them post to my account on XX/XX/XXXX. Then it refused to allow me to dispute them, claiming, You can not dispute this type of transaction. This makes absolutely no sense these were unauthorized charges, and XXXX is blocking me from reporting them properly. 

I also tried to block the merchant to prevent future charges, but the bot said that I have no recurring payments set up, so it would not block XXXX or XXXX from charging me again. I do not have my XXXX account linked to any XXXX accounts as far as I know, so I have no idea why XXXX is able to access my account at all. 

I attempted to contact XXXX through their " Message Us '' option, but I was only connected to a bot that gave an inaccurate and nonsensical response, saying an agent would be available on XX/XX/XXXX at XXXX even though it was already past XXXX on XX/XX/XXXX when I was messaging. No real human ever came into the chat, and the system would not help me no matter what I typed. 

I am extremely frustrated, outraged, and concerned that both XXXX and XXXX are refusing to take accountability or protect my financial information. 

I am requesting the following : A full investigation into the unauthorized charges from XXXX A refund of these charges A block placed on my account to prevent any future Google-related transactions XXXX response from a real human representative not an AI system.

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 2025-04-12 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this formal complaint to bring to your immediate attention an instance of unauthorized and wrongful reporting of a Capital One business account on my personal credit report. The details of the account are as follows : Creditor Name : Capital One Date Opened XX/XX/2021 Account Number : XXXX Reported Balance : {$2700.00} Business Name : XXXX XXXX XXXX I have recently discovered that I am being reported as a signer or personal guarantor on this Capital One business account, which I never authorized or consented to. I want to state emphatically that : I did not sign any documents as an authorized signer or personal guarantor for this business credit account. 

This account was opened solely under the name of XXXX XXXX XXXX, and not under my personal Social Security number. 

I have no personal liability nor any personal contractual obligation regarding this account. 

Despite this, the account is being wrongfully reported on my personal credit file, severely impacting my creditworthiness and causing significant distress. 

This inaccurate reporting is a clear violation of : Fair Credit Reporting Act ( FCRA ), XXXX ( a ) : Duty of furnishers to provide accurate information. 

Fair Debt Collection Practices Act ( FDCPA ), XXXX : Prohibits disclosure of business debts as personal obligations. 

XXXX  violations : This wrongful reporting constitutes unfair, deceptive, or abusive acts or practices. 

I have already initiated disputes with the credit reporting agencies and directly with the furnisher of the information. However, the account remains inaccurately on my personal credit file. 

I am formally requesting CFPB intervention to investigate and compel the immediate deletion of this unauthorized and inaccurate account from my personal credit records. 

The emotional distress, reputational harm, and financial inconvenience this situation has caused are significant. I respectfully request expedited handling of this matter. 

Please feel free to contact me at any time should you require further clarification or supporting documentation. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 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 consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
( XXXX ) years now I have been waiting for 1099 tax forms with funds release.

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 2025-04-12 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:
Hi, XXXX Equifax Refuses To Reinsertion of my XXXX federal account which is not closed and reporting on the other XXXX credit bureaus. I have written letters, call send receipts and they refuses to put my XXXX XXXX account back on my report XXXX had dropped my credit score XXXX points due to their Negligence of Not doing their job. Telling me the file dispute is completed and they never investigate it or call XXXX XXXX This has been going on past XXXX now .Even with you guys I have made several complaints and to no progress. Its pass XXXX  days and their is no reason I still should be complaining to you guys also.so someone isn't doing their job. And I am Highly Disappointed.

Company response to consumer: Closed with non-monetary relief