vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Dispute Letter XXXX XXXX XXXX  ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) From : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Fifth Attempt Requesting Human Verification Dear Equifax Dispute Department, This is my fifth attempt requesting human verification of the XXXX XXXX XXXX  account ending XXXX. 
Equifax continues to report this tradeline with inaccurate and reaged data. All prior disputes have been handled through automated XXXX responses with no documentary proof provided from XXXX XXXX XXXX. The following violations and inconsistencies are evident based on current Equifax reporting. 
1 Illegal ReAging ( 605 ( c ) ). Account shows a Date of First Delinquency of XX/XX/XXXX but Equifax continues to update the Date Reported as XX/XX/XXXX, misleadingly refreshing the accounts age. 
2 False Date Reported Update ( 607 ( b ) ). The account was closed and charged off in XXXX  but is still updated in XXXX  without consumer activity or new information. 
3 Missing Date of Last Activity ( 623 ( a ) ( 5 ) ). Equifax omits this mandatory field, preventing validation of the 7year reporting limit.

4 Balance Exceeds Credit Limit ( 623 ( a ) ( 1 ) ( A ) ). Balance of {$1400.00} exceeds credit limit of {$1300.00} without proof of valid charges or interest after chargeoff.

5 Continued Updates After ChargeOff ( 607 ( b ) ). A chargedoff account is a fixed event and should not continue updating monthly as active.

6 Failure to Provide Human Verification ( 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ). Disputes were resolved through automated means only, with no documentation from the furnisher.

7 Possible ReInsertion Without Notice ( 611 ( a ) ( 5 ) ( B ) ). If this account was previously corrected or removed, its return without notice violates reinsertion protocols.

Requested Resolution I request that Equifax : 1. Obtain humanverified documentation from XXXX XXXX XXXX  showing account ownership, balance accuracy, and reporting history. 
2. If verification can not be provided within 30 days, permanently delete this tradeline from my Equifax credit file.

3. Ensure no reinsertion occurs without written notice and supporting documentation under 611 ( a ) ( 5 ) ( B ).

XXXX. Recognize {$1000.00} per violation in statutory damages under XXXX for continued noncompliance. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XX/XX/XXXX a vehicle with Capital One as a lender was put in my name without my consent or approval for this contract. Capital One was working with two other small lenders one out of XXXX, Texas and one out of XXXX Louisiana. The vehicle came from XXXX, Louisiana, and was transferred here. This was a truck year XXXX for the amount of {$40000.00}. I tried to have this rectified and cleared up for a total of XXXX months. I never signed any paperwork. My information was given to this XXXX under fraudulent pretense after XXXX months, and I threatened to sue the two lenders that was involved with the transaction one of the lenders decided to send a wire to Capital One in the amount of {$40000.00} to pay off the truck and take it back. Capital One reported on my credit bureau for a total of XXXX months late fees that drug my credit down and made my score as low as possible. I went back-and-forth with Capital One and their corporate office and no one ever tried to rectify this situation when this loan was paid off Capital One put on my credit report paid off/collections. This was not fair to me. This was a inside job done with Capital One Auto department And to this day this is still on my credit report showing paid off/Collection in XX/XX/XXXX I contacted the president office of Capital One and spoke to the secretary. She advised me to send her proof and paperwork. She has all the proof and paperwork because the transaction was done Capital One as the Lender You can see on my signature that neither one of these are my signature and all of the signing for the documents and the package was done with the doc sign. I mention that to Capital One and I was told that this is not against the law. It is against the law if I do not know about it, you do not sign any documents for a auto loan or any type of loan this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CT

Complaint narrative:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumers credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Therefore, I hereby demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

To my knowledge, I have not signed any documents authorizing any of the organizations below to view my credit history, therefore the accounts below which are listed on my credit report are fraudulent and violate Title 15, Chapter 41, Subchapter III, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer.

Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. Under the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ), if you are unable to provide me with such Verifiable Proof ( an original Consumer Contract with my Signature on it ), then you must DELETE the fraudulent accounts disputed here and listed below immediately : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX XXXXXXXX. Account XXXX XXXXXXXX. Fraudulently Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX /COLLECTION ACCOUNT. FRAUDULENTLY OPENED ON XX/XX/XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
In light of this situation, I am requesting that you provide me with a document that shows all of the evidence supporting the inaccuracies in my report. This document should be verified and complete with sources. Please be aware that any deviation from the 2020 CRRG standards jeopardizes the integrity of data, which is a serious issue. I am concerned that the integrity of your data could be compromised if these standards aren't followed. I want to ensure that all the information in my credit report is accurate and properly formatted, and I am disputing the below-noted claims until they are confirmed as facts. I urge you to take care of any false accounts on my credit report and fix this issue as soon as possible because it will affect me financially in the future if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. Therefore, I request that only factually accurate, verified, and compliant data is documented in it. 

XXXX - 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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
on XX/XX/year>XXXX  I received both a debit card and a credit from Welss Fargo which I never requested. I called company attempted to have the account closed, and they informed the account was oopen on XX/XX/year>, not by me. They said they had all my personal information- social security number, email, cell phone, and home address. They asked my to very my last 4 digits of social security, of which I did. they said they were placing the account on hold. I specifically requested it be closed immediately.

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 2025-10-30 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: CA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
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 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 2025-10-30 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: FL

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 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 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted XXXX I, noticed something was open and still is When I, was checking I, ran across this. These accounts were open and changed by someone by USDA, XXXX  and the Bank. Bankruptcy Accounts Which I, never to agreed to pay back with either USDA  XXXX XXXX of XXXX or with my Attorney on accounts. I, never agreed to pay back any debts or open anything with XXXX  XXXX XXXX of XXXX or My Attorney. 
Same report number XXXX Dispute One Open XX/XX/XXXXXXXX  This the Primary account XXXX I, believe I'm paying Monthly The account from Bankruptcy was reopen and Unauthorized with XXXX  Use or others But Deleted Never request that. XXXX {$75000.00} Page 3 of 7 Also found Two more Accounts XXXX for XXXX and the other XXXX XXXX on XX/XX/XXXX on the same report Dispute XXXX Open XX/XX/XXXX Found another account open for XX/XX/XXXX on page XXXX of XXXX. 
For the amount of XXXX Dispute XXXX and XXXX XX/XX/XXXXXXXX  and XX/XX/XXXX Bankruptcy For both on page XXXX of XXXX different report Amount the same XXXX I, think they had these opened too. Closed? Had the whole time open? 

XXXX = XXXX account, XXXX = XXXX account been missing and the XXXX by having the XXXX? open Since, bankruptcy XX/XX/XXXX I, never agreed to pay back any debt with USDA or County or the Credit bureau including My Attorney. What USDA and County took, too. 
Accounts XXXX of came also from Experian to XXXX? Missing in XXXX. 
XXXX page XXXX of XXXX Credit report XXXX USDA XXXX According to my taxes for the year XXXX showing XXXX break it down something has maybe found the amount for XXXX = XXXX looking like So they walk off with. Unseared accounts Should never been touched The XXXX and XXXX was something USDA and County pulled and Never once shared with me or nor did I, signed off on XXXX Around XXXX or XXXX Unauthorized. Where are they? An offer of XXXX was sent to me I, Never pulled out And will not. If found Close it Which the market still will not leave me alone. That means some else is going on { Movement of some kind }. 
I, have op out back in XXXX XXXX from offers Email, Texts, Mail, Phone calls someone is messing with me. They also broke into my Credit report it was frozen and ran off with my information within those Disputes and Accounts. What one has The has the same USDA, XXXX XXXX of XXXX. 
Been harassed every since XXXX XXXX XXXX time I, received something someone else is making that accord Chain reaction Who. I, also think my Employers over the years, Employer currently been walking off with account from the credit Bureau, Unauthorized.

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 2025-10-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-30 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: NV

Complaint narrative:
This company keeps reporting items that has already been removed and refuses to remove accounts that have been proven to be fraudulent. If the companies can not prove with an ID or signature they can not keep adding it as being verified using an address, family member name, etc..... They also refuse to remove inquiry 's that I have specifically asked not to be done. 

They have received an FTC report on all these issues and have refused to remove them. 

I need all this removed from my credit report immediately. Or send me a detailed report and proof of investigation not the generic email and letters. I am requesting exactly how the investigation was done who it went through at the company. Also I am requesting for my investigation to be done with the companies not using another credit company you own such as XXXX XXXX or XXXX. I need to see existing contracts they are basing there verification on. If i can not receive these things these accounts need to be removed. 

Fraudulent Account : XXXXXXXX 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 2025-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized withdrawal from my KeyBank account for approximately {$380.00}. I immediately reported the transaction as fraud, and the bank opened a dispute and issued provisional credit within 10 business days. 

However, KeyBank removed the provisional credit and closed the case around day 10 without completing a reasonable investigation. I submitted a police report on day 15 and additional evidence on day 30, but the bank re-closed the case on day 23 and refused to reopen it, even though Regulation E ( 12 CFR 1005.11 ) requires banks to consider all new evidence and complete a full investigation within 45 days. 

I specifically requested copies of all evidence the bank relied on ( ATM logs, investigation notes, surveillance, etc. ) and a written explanation of why my police report was deemed irrelevant. The bank did not provide this information. 

By refusing to review my evidence and labeling the police report as irrelevant, KeyBank failed to conduct a reasonable investigation and did not comply with Regulation E requirements for unauthorized electronic fund transfers.

I am requesting that the CFPB review this matter and require KeyBank to ( 1 ) reopen the investigation, ( 2 ) provide the evidence used to deny my claim, and ( 3 ) reimburse the unauthorized funds that were withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The problem is with Citibank... again. 
I recently disputed several charges with XXXX. I do not have an account with XXXX eats and informed Citibank of this. They stated they would dispute charges and I was issued a new card. 
When I received an emailed statement, the charges were still on my account. I contacted their Executive Response Unit, again. All I received was a ticket number like some IT service desk.

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 2025-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
EXPERIAN, TRANSUNION AND XXXX  ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$41000.00}

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 non-monetary relief