vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: DISCOVER BANK
State: AZ

Complaint narrative:
I am filing this complaint because Discover has failed to properly handle a dispute in which I, the actual cardholder, have been wrongly held liable due to a clear case of mistaken identity and their acceptance of false claims made by XXXX XXXX XXXX. 

The situation involves a charge made by XXXX XXXX XXXX that I disputed as fraudulent. In their rebuttal, XXXX XXXX XXXX claimed that the cardholder was XXXX XXXX, which is categorically false I, XXXX XXXX, am the actual Discover cardholder, and XXXX XXXX is my soon to be mother-in-law. The charge to my card was made under false pretenses, which I have provided significant documentation for, and yet Discover still continues to go through a cycle of reviewing my new evidence, and then reverting back to XXXX XXXX XXXX 's original claim that I signed an agreement that allows them to charge me. 

Despite this glaring inconsistency, Discover has inexplicably accepted XXXX XXXX XXXX 's response and ruled against me. They have effectively used a third partys assertion that an entirely separate person signed their Terms of Service even though I am completely unaffiliated with XXXX XXXX XXXX  and have never signed such documents myself as grounds to deny my dispute. This is logically and legally indefensible. This clear error should be apparent in the attached documentation. 

I have attempted to clarify this multiple times, and Discover has failed to meaningfully investigate the situation or acknowledge the clear error. The result is that I am being charged for a transaction that I did not authorize, under an account structure that incorrectly ties me to another individuals agreement. 

I request immediate escalation, full removal of the disputed charge, and written confirmation that this matter will not affect my credit. If this issue is not resolved promptly, I intend to pursue further action through the CFPB, state regulators, and legal counsel if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 

XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer. 



Sincerely, 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 2025-06-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/year> To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This request the blocking of fraudulent information that resulted from identity theft, as authorized under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft, and the following item ( s ) on my credit report are not mine and were made without my knowledge or authorization : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX as well as Capital One XX/XX/XXXX In accordance with federal law, I respectfully request that the above account ( s ) be blocked from my credit report as soon as possible. 

I have filed a police report, the report number is XXXX Please confirm in writing that the account ( s ) have been blocked and removed from my credit file. Additionally, I request that you not resubmit or reinstate any blocked information without full compliance with FCRA 1681c-2.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 they have broken the law by reporting this information on my report knowing its inaccurate. With XXXX XXXX data breach which my information was included. Remove this fraudulent information from my credit report 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 explanation
Consumer complaint received 2025-06-23 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-06-23 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: AL

Complaint narrative:
I am writing to respectfully request your assistance with correcting and updating the personal information listed in my credit file. Upon reviewing my credit reports from TransUnion, Equifax, and Experian, I noticed that there are multiple entries of outdated and incorrect personal information across all three reports.

To ensure the accuracy and integrity of my consumer file, I kindly ask that all incorrect, duplicate, or outdated personal details be removed, and that only the following verified and accurate information be retained :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute of inaccurate information on credit report Dear Sir or Madam : The name XXXX XXXX and XXXX XXXX XXXX is incorrectly listed as my name on my credit report/credit profile. 
I do not go by either of those names, it is not mine, and I have no association with those listed names.

By law ( 15 U.S.C 1681i ) any inaccurate information on my credit report has to be removed and since I do not go by nor affiliated with the listed names XXXX XXXX nor XXXX XXXX XXXX those names need to be removed and the only name that should reflect on my credit report is XXXX XXXX XXXX. I have previously disputed this several times and submitted documentation and you have not removed it. You asked for my previous addresses in which I specified I do not remember nor it should not matter being that my mail is not deliverable to me from any previous address, and my dispute is concerning inaccurate name on my credit report. If I am disputing an incorrect name on my report and the documentation I sent such as my DLs, utility bills, pay stubs, and birth certificate should be good enough documentation. 

An investigation of this matter and correction of the information as soon as possible is requested. I have disputed this before and nothing was changed. Once again please remove the specified names XXXX XXXX and XXXX XXXX XXXX from my credit report as soon as possible. They are not formly known as names and I am not affliated with those names. On my XXXX  and XXXX  reports my name shows as XXXX XXXX XXXX no other listed names, so all my information should match and be correct across the board. The only name that should be on my credit report is XXXX XXXX XXXX. 
I have attached to this complaint all documentation needed to confirm my name. DLs, Birth certificate, and a utility bill Sincerely 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 explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to respectfully request your assistance with correcting and updating the personal information listed in my credit file. Upon reviewing my credit reports from TransUnion, Equifax, and Experian, I noticed that there are multiple entries of outdated and incorrect personal information across all three reports.

To ensure the accuracy and integrity of my consumer file, I kindly ask that all incorrect, duplicate, or outdated personal details be removed, and that only the following verified and accurate information be retained :

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I received a hard inquiry on my credit report from XXXX. I called XXXX and confirmed I did not make this request and they confirmed the request came through XXXX. The XXXX rep moved forward with marking the application as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was forced to break my lease in an apartment that I lived in. I was constantly harassed and falsely accused of things that I had no idea about. I was constantly being disturbed by the tenant above me at all ungodly hours of the morning, I was so sleep deprived and rest broken that it was unbearable and I was constantly complaining to management which they did nothing but blamed and falsely accused me of doing something wrong just minding my business. XXXX XXXX was the regional manager that had come to XXXX at XXXX XXXX  where I lived. I complained several times about the noise and I had been in the hospital and when I got out I was still subjected to all kinds of harassing noises going on above my head. Still trying to get some peace I spoke with XXXX XXXX again and she told me that if he and myself didnt try to get along that she would evict both of us, a meeting with a guy named XXXX XXXX and myself and I was threatened that if they evicted me that I would lose my XXXX XXXX housing well they found out that they were not going to be able to do that. They wanted me out by XX/XX/year> but I wasnt able to move until XX/XX/year> on a Saturday and they went and filed eviction on Friday the day before I moved but I didnt know about the eviction until I went and applied for another apartment several months later and the put {$2300.00} on my credit report and turned it over to a collection agency. I sued them to get my security deposit back, it was deceptive trade practice but the judge didnt agree so I got {$400.00} back but that illegal {$2300.00} is still on my report and Ive lost {$170.00} in application fees and Ive tried several times to get XXXX  after sending the proof that I won my case in court and they still wont remove that derogatory charge off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ) 604, a credit bureau may only furnish a consumer report when a permissible purpose exists and the consumer has provided explicit authorization. I have not applied for credit nor authorized inquiries from many of the listed entities below.

Please see the following list of unauthorized inquiries currently reflected on my credit file : TransUnion Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate any credit applications with these entities and therefore did not authorize these inquiries. 
If the furnishers can not provide documented proof that I granted permission, then in accordance with FCRA XXXX ( a ) and XXXX ( a ), I request that the inquiries be immediately deleted from my credit file. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once your investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
What happened ( statement of pertinent facts ) : Identity Theft Report No. : XXXX. Consumer Name : ( Private ) Consumer SSN : ( Private ) Consumer DOB : ( Private ). I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block within four ( 4 ) business days the fraudulent information listed below, which appears on my consumer credit report as a result of identity theft. These accounts were not opened, used, or authorized by me in any way and are entirely false. The fraudulent accounts include : XXXX opened XX/XX/XXXX, amount {$290.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$1500.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX, amount {$1000.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$3200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX, amount {$300.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX, amount {$2400.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$450.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX, amount {$1000.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX, amount {$12000.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$320.00} ; No Name opened XX/XX/XXXX, amount {$600.00} ; and XXXX opened XX/XX/XXXX, amount {$520.00}. These unauthorized accounts have resulted in multiple fraudulent hard inquiries and derogatory remarks that have severely harmed my credit scores and overall financial standing. I do not recognize these accounts or have any relationship with the companies listed. Attached are supporting documents including a copy of my FTC Identity Theft Report ( XXXX XXXX. XXXX ) confirming these items are due to identity theft, and a current credit report with the fraudulent accounts and inquiries highlighted. Under my rights granted by the FCRA and FDCPA, I demand that TransUnion, Equifax, and Experian ( 1 ) block and remove each of the above accounts and any related inquiries or collections from my credit file, and ( 2 ) cease all collection activity associated with these fraudulent accounts. Thank you for your immediate attention to this matter.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  sent me a letter stating that : YOUR DISPUTE HAS BEEN CLASSIFIED AS FRIVOLOUS OR IRRELEVANT AND WILL NOT BE INVESTIGATED. 

This incorrect and unfair reporting has lowered my credit score, harmed my financial opportunities, and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting. I am requesting that the CFPB intervene to ensure XXXX XXXX  : Fully reinvestigates this error Corrects the account status to Paid on time, No Late Payments Removes all negative marks related to this mistake from my credit reports I am attaching documentation showing the payment, original dispute dates, and their failure to fix it.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX XXXX submitted my inquiry to wells Fargo bank instead of XXXX XXXXXXXX as agreed affecting my credit and resulting to a denial.I did not request any loans from wells Fargo bank.I already had an approval from 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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank Name : JPMorgan Chase Bank, N.A. 
Complaint Summary : I am filing a complaint against Chase Bank for unjustly closing my account and refusing to return my funds despite multiple good faith efforts on my part. 
I contacted Chase customer service several times and visited their branch in person to submit all requested documents regarding my personal and business identity, as well as to correct my Social Security Number ( SSN ) record. I clarified that I do not have a U.S. SSN, and updated this status per their request. 
After fulfilling all document requirements and confirming my non-SSN status, I requested the return of my funds. Chase then unreasonably demanded proof of a U.S. SSN again, including a phone bill for verification, which I can not provide as I do not possess an SSN. This is a clear case of bad faith and deliberate obstruction. 
As of today, Chase continues to withhold my funds without explanation. This ongoing situation is causing serious hardship and jeopardizing my personal well-being. I respectfully request CFPBs urgent intervention to recover my funds and hold Chase accountable. 

Account Type : Checking Date Account Opened : XX/XX/year> Date Account Closed or Frozen : XX/XX/year> Amount Withheld : Approx. {$18000.00} Last XXXX digits of Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Pulled my credit report and found fraud accounts on my report Fraud Please delete this accounts this is as results of the experian breach and lawsuit with cfpb and FRCA deleted fraud addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete fraud accounts XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief