vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
I'm reaching out because there's a tradeline on my credit report that is not being reported with the maximum possible accuracy required by law, and XXXX not going to stand by while incorrect data XXXX  my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that any information reported on my credit file is 100 % accurate, complete, and up to date. This tradeline clearly does not meet that standard. Whether it's incorrect dates, amounts, account status, or reporting inconsistencies, the bottom line is this : if you cant report it with maximum accuracy, you are not allowed to report it 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 2025-07-03 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a paid collection XXXX XXXX  XXXX XXXX * * * account that is negatively impacting my credit report. Although this debt has been paid in full, it is still being reported in a manner that is misleading and damaging to my creditworthiness.

Reporting a Paid Collection implies continued delinquency and misrepresents my current financial status.

Under the FCRA : 15 U.S.C. 1681i ( a ) mandates your obligation to investigate disputed items.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting information they know is inaccurate or misleading.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was victim of a scam/fraud. I saw a home on XXXX for rent and contacted the landlord. Everything was fine and he informed me that I would need to pay first month rent and security deposit, a total of {$1900.00}. I sent him the money and signed a lease. The following day, he informed me that he would have to mail me the house keys since he had an emergency and had to fly to California. Conveniently, the following day, my messages to him were not sending, and I knew I was blocked. After researching, I saw the house still listed on XXXX, with a higher rent price and a different landlord, and I knew it was all fraud/scam. I immediately tried to cancel the transactions, however, it had already been processed. I called my bank right away on the next business day to report this, however, after 2 weeks, they denied my claim but failed to get any further information on the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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>, I formally submitted a complaint to the XXXX XXXX XXXX XXXX XXXX  ( Submission No. XXXX ) concerning XXXX XXXX  use of an AI-based account restriction and fraud detection system. The XXXX  complaint alleges that XXXX XXXX failed to disclose material risks to shareholders and investors regarding the discriminatory nature and potential legal exposure of this system. 

This AI frameworkresponsible for triggering account freezes and denialswas implemented without transparency or safeguards, and has disproportionately affected certain demographics, including myself. Despite repeated requests for explanations and relief, XXXX XXXX  silence and pattern of obstruction raised concerns of willful concealment and investor fraud. 

This XXXX  filing builds upon a pattern of conduct already documented in prior CFPB filings and now extends the matter into federal securities territory due to its implications for shareholder deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting by Experian Pursuant to 15 U.S.C. 1681s2 ( a ) Dear CFPB Representative, I am writing to formally dispute inaccurate information being reported by Experian on my consumer credit file. Specifically, late payments have been reported in error, which I believe is a direct violation of the Fair Credit Reporting Act under 15 U.S.C. 1681s2 ( a ).

This statute clearly mandates that a furnisher of information to a credit reporting agency must not report any information that they know or have reasonable cause to believe is inaccurate. Despite this requirement, Experian has continued to report these late payments even after I disputed them directly and provided supporting documentation.

These inaccurate late payment entries are causing significant harm to my credit profile and overall financial wellbeing. I have attached the following documentation to support my dispute : A copy of my Experian credit report highlighting the inaccurate late payment entries.

Relevant statements and payment records showing that payments were made on time.

My prior correspondence with Experian disputing these entries.

I respectfully request that the CFPB investigate this matter and compel Experian to delete the erroneous late payment information from my credit file. Their continued reporting of demonstrably inaccurate information violates federal law.

Thank you for your prompt attention to this issue. I appreciate your assistance and look forward to a swift resolution. 

Sincerely, 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 2025-07-03 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: FL

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JPMCB Card Services Account # : XXXX XXXX XXXXXXXX was charged off on XX/XX/scrub>XXXX However, I never received a 1009-C and requested it via phone two times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and unverifiable information on my Experian and Transunion credit report. Despite previously submitting several disputes I have received a response indicating the matter was verified, without any meaningful investigation or explanation. This is a direct violation of the responsibilities under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and possibly the Fair Debt Collection Practices Act ( FDCPA ) as well. 

Dates : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * - {$2000.00} FDCPA 809 ( 15 U.S. Code 1692g ) the collector has not properly validated the debt, and you continue reporting it based on unverified data, you may be aiding in the collection of a debt that violates federal law.

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 2025-07-03 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: LA

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and unverifiable information on my Experian and Transunion credit report. Despite previously submitting several disputes I have received a response indicating the matter was verified, without any meaningful investigation or explanation. This is a direct violation of the responsibilities under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and possibly the Fair Debt Collection Practices Act ( FDCPA ) as well. 

Dates : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * - {$2000.00} FDCPA 809 ( 15 U.S. Code 1692g ) the collector has not properly validated the debt, and you continue reporting it based on unverified data, you may be aiding in the collection of a debt that violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : 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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: MS

Complaint narrative:
I was scammed out of {$1600.00} these people had asset to my bank account password and username. they have all my personal information I need a clean sweep on all XXXX  credit bureaus immediately my identity was stolen and data was breach. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a flight ticket on the XXXX XXXX website. I went through with the purchase because I received an offer from American Express stating that if I applied for their card, I would receive a {$500.00} account credit, in addition to other benefits. 

I immediately applied for the card, was approved, and used the card number to pay for the ticket. I wouldnt have spent money on this ticket otherwise I only completed the purchase because of the promotion. The offer was labeled as " limited-time, '' so I truly believed it was something I couldn't miss. 

The only fine print mentioned was the timeframe to receive the credit between XXXX to XXXX weeks but that was fine, as long as I received the {$500.00} back eventually. 

I contacted American Express to ask about these benefits, and they told me there was no such {$500.00} credit offer. I repeatedly asked if I could send them the screenshot I had taken of the offer when I applied for the card, but they said there was no way for them to receive it and that I still would not be eligible for the {$500.00}. 

When I spoke to a supervisor, he told me it was merely marketing to grab attention and that there was nothing they could do. 

I find it outrageous that a customer can be misled like this! I only applied for the card because the promotion clearly said I would get {$500.00} back, making my purchase effectively XXXX dollars! 

Let this serve as a warning to others who might be tempted by American Express promotions it's clear they use these tactics to attract customers, and based on the treatment I received, they do not care about customer satisfaction. 

I am demanding that justice be done and that I receive the {$500.00} that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prime Recovery LLC
State: TX

Complaint narrative:
I am filing this formal complaint regarding unethical and potentially illegal collection practices by Prime Recovery LLC. 

On XX/XX/25, I received an email from Prime Recovery LLC in which they threatened to sue me to collect an alleged debt. To my knowledge, I have not received any valid documentation or proof verifying this debt. Instead, they are using intimidation tactics, including the threat of legal action, to pressure me into paying without proper verification.

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : Section 807 ( 4 ) and ( 5 ) : Prohibits false, deceptive, or misleading representations, including false threats of legal action they do not intend to pursue or can not legally take.

Section 809 : Requires debt collectors to provide proper validation of the debt upon request. No such documentation has been provided to me to date. 

The threatening language in the email was clearly designed to intimidate me into payment under duress, which is unacceptable.

Requested Action from CFPB : Investigate Prime Recovery LLC for potential violations of the FDCPA Require them to cease all threatening, misleading communications Ensure they provide full and proper debt validation, if applicable Impose penalties or sanctions as necessary to prevent further abuse of consumers Attached to this complaint are copies of the threatening email communication I received for your review.

Thank you for your attention to this matter and for protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: ND

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft 605 ( B ) As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture picture ID, a bill, and a dispute letter and the commissions have led to a violation of my consumer rights with having inaccuracies info on my consumer credit file report

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief