vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish 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 XXXX  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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX credit reports are inaccurately reporting an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$610.00} XXXX XXXX as a charge-off. I have no knowledge or records of ever having this account with Capital One. I have never applied for, opened, or authorized any account under this number or amount. This listing appears to be either a reporting error or a case of mixed or fraudulent information. Despite my direct disputes with the credit bureaus, this inaccurate account remains on my reports, causing damage to my creditworthiness and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607 ( b ), and 611, Capital One and the credit bureaus are required to ensure the maximum possible accuracy of the information they report and to delete any entry that can not be verified through original source documentation. Since this account can not be verified as mine, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to review this matter and require Capital One and the credit reporting agencies to conduct a complete reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
am filing a complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate and outdated personal information on my credit files. 

I have contacted each bureau multiple times by phone and in writing asking that incorrect addresses, phone numbers, and name variations be deleted. Only my current information should appear, yet they continue to report old and inaccurate data. 

The bureaus are violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to reinvestigate and correct or delete unverifiable information within 30 days ).

These ongoing inaccuracies create confusion during credit reviews and expose me to unnecessary privacy and security risks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am filing a complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate and outdated personal information on my credit files. 

I have contacted each bureau multiple times by phone and in writing asking that incorrect addresses, phone numbers, and name variations be deleted. Only my current information should appear, yet they continue to report old and inaccurate data. 

The bureaus are violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to reinvestigate and correct or delete unverifiable information within 30 days ).

These ongoing inaccuracies create confusion during credit reviews and expose me to unnecessary privacy and security risks.

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 2025-11-04 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: TX

Complaint narrative:
I did not authorize these accounts and dispute them as fraudulent. I request their removal and a full investigation. Documentation is included.

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 2025-11-04 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company 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 2025-11-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: PA

Complaint narrative:
I opened up a Cash app account. I received card but can not activate card. I was told I needed to verify my account I verify and still can not activate card. I contact Support. They refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 2025-11-04 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: EQUIFAX, 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/year>, {$1400.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>, {$34000.00} Inquiries : None listed for Equifax. 

Positive Accounts : None listed for Equifax. 

Late Payments : None listed for Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
There are multiple accounts on my credit report that do not belong to me and appear to have been mixed with another persons credit information. I have never opened, authorized, or managed these accounts in any way. This is completely unacceptable as it creates a false and misleading picture of my credit history, damaging my reputation and financial standing. I take my credit profile very seriously, and it is distressing to see inaccurate information being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX my XXXX  XXXX and I established a mortgage account with Fulton Bank, XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX. It took the Bank over a year to change our address from our prior home in Vermont to the home on which they held the mortgage in Maryland despite multiple change-of-address forms sent and multiple visits to our local branch. This was the beginning of a pattern of problems with Fulton Bank. This was an omen it seems. 
In XX/XX/XXXX we established an escrow account for our homeowners insurance and our property taxes with Fulton Bank. Prior to XX/XX/XXXX we paid our insurance and taxes ourselves. Our mortgage ( principal and interest is {$1800.00}. Our escrow payment for taxes and insurance was {$1100.00} and our shortage payment was {$1100.00}. Our total monthly payment went from {$1800.00} to {$4100.00}. We paid this amount until we cancelled the escrow on XX/XX/XXXX. The total paid into the escrow account was {$20000.00}. Fulton Bank tells us that this account balance is XXXX ( {$0.00} )! 
When we moved to Maryland we elected to pay our annual property taxes in XXXX payments. For XXXX we made the first payment of {$6100.00} and Fulton Bank paid {$5400.00} which satisfied our years taxes. 
So far in XXXX no taxes have been paid despite Fulton Bank having our escrowed balance. {$12000.00} is now due for our annual property taxes. 
I have tried without success to speak with someone to resolve this. 
Please help! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX, Account # XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} XXXX, Account # XXXX, XXXX XX/XX/XXXX XXXX Balance {$0.00} XXXX, Account # XXXX, Opened XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, XXXX {$0.00} XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} These accounts are listed as charged off but show {$0.00} balances, which raises concern about inaccurate reporting. I am requesting verification, correction, or deletion. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Many of these inquiries are not familiar to me or were not authorized. I am requesting verification and removal of any unauthorized inquiries. 

Late Payments XXXX  XXXX, Accounts # XXXX, # XXXX, # XXXX XXXX XXXX, Account # XXXX I am disputing the accuracy of these late payment records as I believe they have been reported in error or without complete verification.

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 2025-11-04 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 file a complaint regarding inaccuracies and discrepancies found in my credit report across the XXXX credit bureaus. Below are the details of the accounts I am disputing, broken down by bureau. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FRAUDULENT ACCOUNTS REPORTED XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Account # XXXX FRAUDULENT CREDIT INQUIRIES XXXX XX/XX/XXXX SWORN STATEMENT I affirm under penalty of perjury that the accounts and/or credit inquiries listed above are fraudulent and were not authorized, initiated, or consented to by me. I was not provided clear or transparent terms and conditions regarding the use of my personal information, nor was I informed that it would be reported to consumer reporting agencies. The absence of informed consent constitutes identity theft and unauthorized use of my personal information. I request the immediate and permanent deletion, suppression, and blocking of these items from my consumer credit file, pursuant to my rights under the Since the official FTC ( Federal Trade Commission ) website for fraud reports reportfraud.ftc.gov is temporarily out of service ( shutdown ), this letter serves as a formal identity theft report and dispute notice pursuant to the FCRA.

Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681b ).

Company response to consumer: Closed with non-monetary relief