vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FinCo Services Inc DBA Current
State: NM

Complaint narrative:
In early XXXXXXXX XXXX XXXX, I canceled my credit card due to unauthorized charges from a merchant I had previously requested to cancel services with. Despite this, the same merchant was able to continue billing me on a newly issued card through XXXX 's XXXX XXXX XXXX ( XXXX ) system without my consent. 

This has now happened three times. Each time I report fraud and request a new card, my bank issues a replacement, but XXXX allows the merchant to receive my updated card number automatically, which defeats the purpose of canceling a compromised card. 

I have explicitly revoked authorization for this merchant, and yet they continue to charge me. This is a clear violation of my right to revoke billing agreements and is enabling continued unauthorized charges via a backend system I never opted into. 

I asked my bank to stop this from happening and to issue a non-linked card, but I was not given this option initially. I believe XXXX is creating a system that allows merchants to bypass consumer control, and that banks are not adequately disclosing or disabling this feature on behalf of consumers when fraud or dispute is involved. 

This system undermines fraud protection and violates basic consumer trust. I request the CFPB to investigate XXXX XXXX  Account XXXX system and ensure consumers can easily opt out, especially in cases of fraud or revocation of authorization.

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

Complaint narrative:
Subject : Failure to Comply with FCRA Refusal to Remove Unverifiable and Inaccurate Items from Credit Report To Whom It May Concern, I am filing this complaint because Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) after I submitted a formal dispute on XX/XX/XXXX regarding three inaccurate and unverifiable accounts : XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXX Despite citing specific violations under FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( b ), 1681e ( b ), and 1681c ( a ) in my original letter, Equifax responded with a generic statement claiming verified as accurate or updated, without providing any original documentation or proof of verification from the furnishers. 

I clearly demonstrated that the items are : Factually incorrect ( e.g., {$0.00} balance reported as a charge-off ) Legally outdated ( some accounts last active in XXXX or XXXX ) Contain data inconsistencies between bureaus Possibly re-aged, which violates 1681c ( a ) I also requested the Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ), which Equifax failed to provide. This directly violates my rights under the FCRA. The failure to conduct a reasonable reinvestigation and failure to delete unverifiable accounts is a willful disregard of consumer protections. 

I am requesting that CFPB take immediate action to compel Equifax to : Permanently delete the disputed accounts Provide all documentation used to verify the accounts Cease and desist from re-aging or re-reporting outdated information If this is not resolved promptly, I reserve the right to pursue civil action under FCRA 616 and 617. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
i am reporting this company and this fraudulent account because today, XXXX, I went and applied to for Secure checking account with Chase online, because ive worked my XXXX  off getting rid of all the fraudulent accounts that came from my personal identifying information being stolen from me like my Drivers License, Passport, SSN Card, etc. and so aa im almoat done applying it tells me im already a Chase customer?? But IM NOT.!! So i called today and a rep aaid that a now closed account opened in my name was under my credentials and that i owed a XXXX XXXX dollars. this is ridicoloua!! i NEVER opened this account EVER IN MY LIFE!! Its discouraging because i want to open a regular bank account and thia fraud is hindering me yet again. Delete this fraudulent account opened this year under my name please!!! i never had an account opened wirh you all. EVER!!! I WILL COME INOT A BRANCH AND EVERYTHING JUST TO PROVE I DIDNT OPEN AN ACCOJNT WITH THESE PEOPLE THIS YEAR!!! I JUST WANT TO ACTUALLY BE ABLE TO OPEN ONE OF MY OWN WOTH THEM.!!! DELETE THESE FRAUDULENT ACCOUNTS NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
XXXX XXXX, XXXX, XX/XX/XXXX 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 : 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 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 FTC Identity Theft Criminal Complaint ( XXXX ) 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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, the corrected complaint was physically delivered to XXXX XXXX XXXX location. It was accepted without objection or hesitation, consistent with the pattern of prior deliveries. The corrected version addressed procedural updates, clarified the naming structure of the defendants, and incorporated new allegations related to Capital Ones AI-based misconduct, legal department coordination, and bad faith procedural stalling. 

Despite a formal notice now circulating that XXXX XXXXXXXX is not the registered agent for Capital One, no rejection occurred at the point of service. The staff accepted the document without question, demonstrating continued acknowledgment of filings related to Capital One. 

This marks at least the third accepted filing at this location after the alleged denial of agency. At no point was the corrected complaint rejected or returned. This consistent acceptance establishes a factual record that Capital One, through its agents or associated parties, has had ample and uninterrupted access to all filingscontrary to any claim of improper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I went to Macy 's at the XXXX XXXX XXXX XXXX to get a suit. When buying it I was offered to get the Macy 's XXXX XXXX to pay for the items, which I did. It was around {$500.00}. They told me I would be receiving my card within two weeks. I did not receive my card and instead received a fraud alert that someone else was using my card. I tried calling Macy 's support for the card and they said that the bank would be getting in touch with me via mail. Two weeks later I received a letter from the bank with a phone number and reference number. I called and explained the situation, they said the fraud department would start an investigation and I would receive a new card in two weeks. I still haven't received the new card and I have now started receiving calls from Macy 's collection department about paying for the card, which I can't because I never received the card so I can't add it to my account or pay for it, and this has become very frustrating, really wish it can be solved soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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:
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 2025-07-07 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: NC

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 2025-07-07 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:
My repeated efforts to correct and remove false information from my credit report have been consistently ignored or denied. As a consumer, Im fully aware of my rights under the law, and the inaccurate reporting currently reflected on my credit file violates the requirement for maximum possible accuracy.

These errors are not just numbersthey are causing real harm to my credit score and creating unnecessary obstacles in my life.

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 2025-07-07 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: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my following accounts ending in : 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX, Account # XXXX 5. XXXX, Account # XXXX 6. XXXX XXXX Account XXXX XXXX 7. XXXX, Account # XXXX 8. XXXX/, Account\ # XXXX 9. XXXX, Account # XXXX 10. XXXX, Account # XXXX 11. XXXX, Account # XXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX 13. XXXX XXXX, Account # XXXX. 
The late payments on these accounts are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 ( s ) ( 2 ) ( a ) furniture must report accurate information. Also under 15USC 1681 ( i ) the credit bureaus must perform a reasonable investigation within 30 days.

Neither of them has provided sufficient evidence to support negative reporting. I am requesting that all negative reporting of all the above mentioned accounts be deleted

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 2025-07-07 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: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my following accounts ending in : 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX, Account # XXXX 5. XXXX, Account # XXXX 6. XXXX XXXX Account XXXX XXXX 7. XXXX, Account # XXXX 8. XXXX/, Account\ # XXXX 9. XXXX, Account # XXXX 10. XXXX, Account # XXXX 11. XXXX, Account # XXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX 13. XXXX XXXX, Account # XXXX. 
The late payments on these accounts are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 ( s ) ( 2 ) ( a ) furniture must report accurate information. Also under 15USC 1681 ( i ) the credit bureaus must perform a reasonable investigation within 30 days.

Neither of them has provided sufficient evidence to support negative reporting. I am requesting that all negative reporting of all the above mentioned accounts be deleted

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 2025-07-07 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
b'I received a text message from Wells Fargo XXXX  notifying me of a "high-risk\' \ntransaction from a merchant i had never heard and i immediately called them. After talking to the Wells Fargo agent, they told me that they would be mailing me a new debit card not only because i had not had a physical debit card in the last 3 months, but also because of the unauthorized transaction and I would receive this new debit card in the mail in approximately 5-7 days which never happened. I never received the debit card. I kept waiting for the card but it never arrived, but I did not pay much attention to this because I had my digital debit card on my phone in case I needed to utilize it. On XXXX I received yet another text message from Wells Fargo notifying me of another " high risk" transaction to the same merchant from the previous unauthorized transaction. After speaking to the Wells Fargo agent they told me that most likely my card was stolen so that was why I never received it and that they would be sending me a new debit card once again and that they would have to close my account because the unauthorized transactions amounted over XXXX  and they believed my account was compromised. Today, XXXX, they closed my claim and told me that they saw no error un the transactions, so now not only are they closing me account but they are also not refunding me my money. These transactions are foreign to me and I have no idea how or why it is possible for Wells Fargo to take such a small amount of time to look at this claim only to immediately decline approval.\n\nThe unauthorized transactions are all to the same merchant XXXX) and are as follows:\n\nXXXX 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 XXXXnI cannot understand how Wells Fargo only notified me of these repeated transactions when so much of my money was already gone. Other than having to wait hours on hold and only being able get ahold of their claims department a very limited amount of times, they did not give an explanation as to why or how they concluded that these transactions were in fact authorized when in reality they were not.'

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 2025-07-07 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
On or about XXXX I was notified that United Wholesale Mortgage is transferring the loan to another division of United Wholesale Mortgage. During the transfer process I received a notice from the XXXX XXXXXXXX XXXX  that my property taxes have not been paid. I attempted to contract the company and they could not give me a status of either the old loan or the new loan, nor could they tell me if the taxes have been paid. Contacting the company required extreme patience as the phone tree did not get me a person, and did not recognize my ssn, or either loan numbers.

Company response to consumer: Closed with explanation