vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NV

Complaint narrative:
Company Beyond Finance XXXXXXXX XXXX XXXXbeyondfinanceXXXX  I paid XXXX  month and up to XXXX  month as they requested me to pay more to get boost up my ecrow account for XXXX  months XXXX months i paid a minimum of XXXX over $ XXXX went I discover this was a SCAM. First they calimed this to be a federal program for veterans all over XXXX. They said they would manage my biller accounts and negotiate a cheaper pay off. XXXX when i looked I didnt see and escrow account so there werent tracking how much money I had in the escrow account so i asked about that they said it will show up in the dashboard it did not Over XXXX  months they only paid out {$1800.00} and negotiate XXXX accounts and for most of the time XXXX account. When my credit was ruined they had not negotiated anything and all my accounts had charged off. I ask again where is the escrow money. conclusion they just take you money and hope you dont check on the account for some time after you credit is completely gone. went from a XXXX to XXXX unacceptable I can't finance a donut now I request my money returned to me I understand there is a management fee I fell 20 % was acceptalbe I should get 80 % of my money back at least they did nothing so I should get all of it back in all honesty. This has adversely effected me. and caused loss of life in my family as I could not co sign for my brother to have a proceedure which would have saved his life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CT

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: IN

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 2025-09-15 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: EQUIFAX, INC.
State: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally dispute and request corrective action regarding serious and adverse credit report entries that I believe are directly connected to the recent data breach involving LexisNexis Risk Solutions, disclosed in XX/XX/year>. As reported, the breach involved unauthorized access via a third-party software platform, exposing personal data such as Social Security numbers , dates of birth, drivers license numbers, and other sensitive identifiers. I was among the impacted individuals and have received confirmation of my involvement from LexisNexis. Since the breach, I have experienced financial and reputational harm, including the sudden appearance ( or continued reporting ) of a bankruptcy filing and other questionable derogatory accounts on my credit report, which I now suspect may be inaccurate or triggered by identity compromise. I am respectfully requesting the CFPBs support and intervention in the following actions : Investigating how XXXX handling of consumer data may have led to the inaccurate reporting of credit accounts and bankruptcies. Assisting in the removal or correction of erroneous information on my credit report, specifically the bankruptcy and associated affected accounts. Ensuring LexisNexis and affiliated credit reporting agencies conduct a thorough reassessment of impacted individuals reports. Ive taken personal steps including placing a security freeze on my credit, enrolling in identity protection services, and contacting credit bureaus directly but the process has proven difficult without regulatory oversight. These issues continue to harm my financial standing, job prospects, and access to credit. Please find attached an FTC Fraud Report supporting my claim. I appreciate your time and effort in addressing this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My spouse added me to his Wells Fargo credit card account. When the credit card arrived my surname was not hyphenated. When I requested the correction I was told their system did not allow for hyphenated surnames. This is incorrect as I currently possess other Wells Fargo credit cards with my surname correctly hyphenated. I have contacted all levels of management e.g. local, regional and the Board of Directors in an effort to have my surname corrected without success! Additionally, Wells Fargo communicated their improper decision in writing to my spouse only. While I understand the need to communicate with his as the primary account holder, it is discriminatory to not have communicated their final decision to me since I complained. My surname has been hyphenated for XXXX  years and I've not had this problem with other financial institutions. They need to correct this asap!!!

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under my rights established by 15 USC 1681e ( b ) and 15 USC 1681i, I am requesting a review of certain collection accounts on my credit report that I believe to be inaccurate. If these items can not be fully verified for accuracy, I respectfully request their removal.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX Subject : Request for Investigation and Verification of Reported Debt with XXXX Credit Bureaus Dear CFPB, I am writing to formally file a complaint against the XXXX nationwide credit reporting agencies : XXXX XXXX XXXX XXXX regarding the reporting of an alleged debt on my credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and ensure the credit reporting agencies fulfill their legal obligations. The item I am disputing is as follows : Creditor Name : Vance and Huffman XXXX XXXX XXXX  This account is being reported without proper verification or documentation. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting the following documentation be provided : The original signed contract or agreement bearing my signature showing that I have a legal obligation to this debt. Validation of the debt, including a full itemization of the alleged balance and how the amount was calculated. Proof of ownership, showing that the current entity reporting this debt has the legal right to collect or report this debt. Chain of assignment or transfer, including all documents showing the lawful transfer from the original creditor to any subsequent parties. Bill of sale or purchase agreement, confirming the sale or assignment of the debt to the current reporting party. Despite previous attempts to obtain this information directly from the credit reporting agencies and/or the data furnisher, the requested documentation has not been provided. Reporting an account without proper verification and documentation violates my rights under federal law. Please review this matter and compel the credit bureaus to either : Produce the requested documentation as proof of legal reporting, or Delete the inaccurate or unverifiable account from my credit file. Attached are copies of my credit reports highlighting the account ( s ) in question, as well as previous correspondence. I appreciate your attention to this matter and request that you keep me informed of the progress of this investigation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Equifax Reporting of Inaccurate XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting by Equifax in connection with both XXXX XXXX credit cards account. Equifax is currently reporting my XXXX XXXX account inaccurately despite the fact that the account has always been paid on time and paid as agreed. This erroneous reporting is harmful, misleading, and does not reflect the true status of my account. Furthermore, I am extremely concerned because my personal data may have been compromised in the Equifax data breach, which raises questions about the accuracy and reliability of the information being reported. The inaccurate reporting of this account, combined with the breach, has caused significant distress and has negatively impacted my creditworthiness. Details of the inaccurate account reporting : Creditor : XXXXl XXXX Account Status : Should reflect Paid as Agreed / Current Equifax is inaccurately reporting the account, creating the impression of negative activity when none exists. This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and fair credit file information. I am requesting the CFPB to : Investigate XXXX handling of my XXXX XXXX account reporting. Require Equifax to immediately correct or remove the inaccurate information. Ensure stronger oversight due to the impact of their data breach on consumer reporting integrity. Thank you for your prompt attention to this matter. I request a full investigation and correction of this inaccurate reporting. Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-09-15 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency regarding this issue and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honoredthese inquiries remain on my report.

This failure to act is unacceptable. The continued presence of these inquiries is highly concerning, raises serious concerns of identity theft, and represents inaccurate and damaging information. Leaving these entries unresolved is inflicting ongoing emotional distress and financial harm.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I received 4 emails and 1 text message from XXXX XXXX regarding a new XXXX checking account with them. I did not open this account and have never banked with Capital One. I called Capital One customer service and they were able to verify that a new checking account was opened with my name, social security number, and contact information. They said they would shut down the account and send it to their fraud team, and that the whole process could take up to three months. 

I asked them how they could let someone open a bank account that was not actually me, and they could not explain it. To me this is a major problem that I feel requires more explanation, information, and documentation than someone at a call center telling me it's ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or permitted them in any way. This is entirely unacceptable and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and damaging.

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 2025-09-15 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$2000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$910.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$690.00} I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
incorrect name, incorrect address, incorrect telephone number, incorrect social security number, inaccurate hard inquiry i never applied for cc, inaccurate soft inquiries,

Company response to consumer: Closed with non-monetary relief