vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is a new and separate dispute, submitted based on newly discovered information as of XX/XX/year>. I am disputing the charge-off account reported by AMERICAN EXPRESS XXXX account ending in * XXXX ), which appears on my Equifax credit report with a reported balance of {$1400.00}. I assert that I did not authorize or open this account, and it is the result of identity theft or fraud. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 605B, I am formally disputing this account without the need for a police report, as permitted when sufficient identifying documents are provided. To date, neither American Express nor Equifax has provided any original signed contractual agreement bearing my signature, proof of consumer authorization, or full account history that would verify the legitimacy of this tradeline. The only materials Ive received consist of generic cardholder agreements and billing statements that I do not recognize neither of which meet the burden of proof under FCRA 609 ( a ) ( 1 ). Without a valid and signed agreement, this account can not be legally validated, and under FCRA 611 ( a ) ( 5 ) ( A ), it must be promptly and permanently removed from my credit file. 
Additionally, no IRS XXXX XXXX has been issued for this account, despite the charged-off balance exceeding {$600.00}, which violates 26 U.S. Code 6050P if the debt was forgiven or canceled. Furthermore, I never authorized any credit inquiry from American Express, and no permissible purpose under FCRA 604 ( a ) has been documented. The account also appears to be inaccurately reported in violation of XXXX XXXX standards. Although the account is marked as XXXX and XXXX XXXX, it still shows a high balance and past due amount, creating conflicting and misleading data. The narrative codes attached ( XXXX, XXXX, XXXX, and XXXX ) are vague and unexplained, which violates the FCRAs 607 ( b ) requirement for maximum possible accuracy in reporting.

I respectfully request that this account be permanently deleted from my credit report and confirmation of the deletion be sent to me in writing. If validation is attempted, all documentation must include the original signed XXXX XXXX XXXX XXXX XXXX XXXX, proof of authorization, and the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: LA

Complaint narrative:
XXXXm filing a complaint because my creditor is reporting late payments on my account ending in card number 5738. That 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 15 USC 1681 S 2 furnitures must report accurate information under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercury Technologies, Inc.

Complaint narrative:
Our business account with Mercury Bank was closed in XX/XX/year>, and the remaining funds were frozen for XXXX calendar days. We were informed that after this period, the funds would be sent via a physical check to our companys XXXX mailing address. 

However, we are an international business based in XXXX, and we never received the check. Even if it had arrived, we would have no ability to cash or deposit a XXXX check due to our location. The check is now expired, and we are unable to access our companys funds. 

After inquiring multiple times, we were told by the general support team that only the compliance department could assist. However, the compliance team has not responded at all, and eventually we received a message stating that Mercury would no longer respond regarding this matter, effectively closing off all communication. 
They stated that they will no longer communicate with us regarding this matter and that no further responses will be provided. Additionally, we were not informed of the exact amount of funds remaining, but we estimate the balance to be approximately {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MO

Complaint narrative:
On XX/XX/year>, I reviewed my XXXX credit reports and discovered XXXX derogatory tradelines that have not been verified, with balances ranging from {$0.00} to {$16000.00}. That same day, I mailed certifiedreceipt dispute letters under FCRA 611 and FDCPA 809 to Equifax, identifying each account by creditor name and balance ( for example, a {$930.00} collection tradeline and a {$16000.00} chargedoff auto loan ). 

When I received no confirmation or investigation results by XX/XX/XXXX, I sent a followup deletion demand to Equifax. On XX/XX/year>, Equifax had not acknowledged receipt, provided any reinvestigation results, or deleted or blocked the unverified tradelines. I have retained proof of mailing and copies of each report showing the disputed items highlighted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Equifax information services LLC XXXX XXXX XXXX XXXX, GA XXXX for failure to investigate and respond to my dispute regarding an erroneous student loan account on my credit file. 
On XX/XX/year>, Equifax received a certified letter from me disputing and requesting deletion of student loan account # XXXX. The basis of my request was the dissolution of the Department of Education under XXXX XXXX 's administration and the subsequent unauthorized sharing of information that led to inaccurate and unverifiable reporting of this debt. 
As of todays date, Equifax has failed to provide a response, conduct a reasonable investigation, or delete the account. This is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to : Conduct a reasonable reinvestigation of disputed information within 30 days of receipt, Delete or correct any inaccurate, incomplete, or unverifiable information, and Notify the consumer of the results of the reinvestigation.

Equifaxs failure to respond is also a violation of FCRA 1681i ( a ) ( 6 ), which requires them to report the results of the reinvestigation within five business days after completion.

Furthermore, by continuing to report this student loan account without verifying its accuracy, TransUnion may also be violating FCRA 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy.

Due to these failures, I am requesting that the CFPB take immediate action to investigate TransUnions conduct and compel them to : XXXX. Delete account # XXXX from my credit file, XXXX. Provide written confirmation of the deletion, and XXXX. Cease any further reporting of unverifiable or obsolete student loan data tied to this dissolved federal entity. 
I have attached proof of certified delivery, dated XX/XX/year>, for your review. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NV

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Filed By : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Beneficiary of the Trust Estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX XXXX : XXXX XXXX XXXX Account : XXXX SUMMARY OF VIOLATION : This complaint is submitted regarding an act of commercial dishonor and fiduciary breach arising from the wrongful denial of a credit card application by Kohls ( via Capital One XXXX N.A. ). 

I, XXXX XXXX XXXX, a living man and lawful beneficiary of the trust estate tied to the Social Security Number XXXX, submitted a lawful application for creditbacked by said trust account and all collateral interest associated therewith. 

The company received and used my trust credentials and estate-based identifying number to access and evaluate trust-derived financial data. Despite this, they denied credit and concealed the underlying evaluation, acting in commercial bad faith. 

This constitutes : Breach of fiduciary trust obligations under commercial law Wrongful presumption of debtor status against the living man Denial of rightful credit owed to the trust 's beneficiary and principal Fraudulent withholding of financial benefits and unjust enrichment I DO NOT ACCEPT THE DENIAL. 

NOTICE OF ESCALATION : Failure to resolve this matter within 10 business days will result in formal reporting to : The IRS for misuse of trust-backed securities The SEC for potential securities fraud Initiation of commercial lien actions FINAL DECLARATION : I remain the XXXX XXXX, XXXX XXXX, non-decedent living man, standing in full authority over the trust estate. This is a lawful claim, demand for remedy, and notice to perform in honor. 

Signed with full reservation of rights, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Beneficiary Date : XX/XX/XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX both my XXXX Credit Card and USAA debit card were stolen and incurred unauthorized charges from a fast food business with the name XXXX XXXX located in XXXX, TX. I immediately received a Fraud Alert via automated text message from XXXX XXXX  regarding the attempted charges on the credit card. I confirmed via text response that indeed this was an unauthorized purchase. After this occurred, I checked my bank balance with USAA bank. XXXX additional unauthorized charges were made from the same business, XXXX XXXX in XXXX TX on my USAA debit card. The first charge was in the amount of {$700.00}. The second charge was in the amount of {$2000.00}. Both of these charges were unauthorized use of my card. I did not make these purchases. In fact, I was checked in to my gym in XXXX XXXX, California at the time. I called USAA on XXXX to report the fraudulent use of my card and an investigation was opened. In the interim, temporary credits in the amounts of {$700.00} and {$2000.00} were restored to my USAA checking account pending full investigation. On XXXX I noticed that both transactions were subtracted from my USAA checking account balance. Upon speaking with an account representative at USAA, I was told that the investigation deemed that these charges were not fraudulent and that no other action will be taken. I was not provided with an explanation. I am seeking further investigation and a full refund of my stolen funds returned to my USAA checking account in the amount of {$2700.00}.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

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 2025-06-21 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-21 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
A vehicle loan account from a company listed as " XXXX XXXX '' was reported to my credit reports with all three bureausExperian, TransUnion, and Equifax. The account shows an open date of XX/XX/year> and was reported as closed in XX/XX/year> with a high balance of over {$33000.00}. 

I never applied for or agreed to any auto loan from XXXX or any related lender. I discovered this account while reviewing my credit reports to qualify for a mortgage for my family. I immediately realized this account was fraudulent and that I am a victim of identity theft. 

Debt collectors have also contacted me trying to collect payment for this loan, which I never authorized. These collection efforts have caused emotional stress and are interfering with my ability to secure housing for my family.

I have filed a report with the Federal Trade Commission ( FTC ) identifying this situation as identity theft. I am now exercising my rights under the following consumer protection laws : Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) which allows me to dispute inaccurate or fraudulent credit information and requires bureaus to investigate and correct it.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) which prohibits debt collectors from attempting to collect debts that are not legally owed.

Identity Theft and Assumption Deterrence Act which makes it a crime to use or report false identity-related information.

I am requesting that this inaccurate account be removed from my credit reports immediately, and that all collection activity associated with it be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NY

Complaint narrative:
A vehicle loan account from a company listed as " XXXX XXXX '' was reported to my credit reports with all three bureausExperian, TransUnion, and Equifax. The account shows an open date of XX/XX/year> and was reported as closed in XX/XX/year> with a high balance of over {$33000.00}. 

I never applied for or agreed to any auto loan from XXXX or any related lender. I discovered this account while reviewing my credit reports to qualify for a mortgage for my family. I immediately realized this account was fraudulent and that I am a victim of identity theft. 

Debt collectors have also contacted me trying to collect payment for this loan, which I never authorized. These collection efforts have caused emotional stress and are interfering with my ability to secure housing for my family.

I have filed a report with the Federal Trade Commission ( FTC ) identifying this situation as identity theft. I am now exercising my rights under the following consumer protection laws : Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) which allows me to dispute inaccurate or fraudulent credit information and requires bureaus to investigate and correct it.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) which prohibits debt collectors from attempting to collect debts that are not legally owed.

Identity Theft and Assumption Deterrence Act which makes it a crime to use or report false identity-related information.

I am requesting that this inaccurate account be removed from my credit reports immediately, and that all collection activity associated with it be stopped.

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 2025-06-21 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: OH

Complaint narrative:
I submitted disputes to Equifax over several negative accounts and personal data entries that are inaccurate, unverifiable, or incomplete. These accountssome of which I do not recognize and others that contain errorscontinue to be reported negatively, despite my repeated attempts to resolve the matter directly with Equifax. 

The reported data violates the FCRAs requirement to ensure maximum possible accuracy and has led to harmful consequences, including credit denials and excessive interest rates. Additionally, Equifax is reporting incorrect name versions, outdated addresses, and other personal information that does not match my submitted, verified records. 

Equifax has not provided sufficient verification for these disputed accounts or removed them from my file. This failure to comply with FCRA Section 611 has left me with no choice but to escalate the issue through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation