vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-01 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monarch Recovery Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX account ending in [ XXXX ] is being inaccurately reported as a charge-off with a balance of {$750.00}. This is incorrect. I have already made payment arrangements to resolve this account, and payment has been submitted. Despite this, XXXX  and other credit bureaus continue to report the account as charged off and delinquent. 

I have attached proof of payment to show that this account should no longer be reported as a charge-off. The status should reflect as either Paid in Full, Settled {$0.00} Balance, or Closed {$0.00} Balance. Continuing to show it as charged off is not an accurate representation of the account. 

This misreporting is causing significant financial harm. I am currently in the process of applying for a USDA mortgage, and the inaccurate charge-off entry is preventing me from qualifying. A correct update or removal of this tradeline is necessary to reflect my true credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information reported on my credit report regarding the XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The reported information contains multiple errors : Inconsistent dates ( Date Opened, Last Activity, Last Payment ). 

Conflicting credit limits and high balance data. 

Incorrect payment status and comment reporting. 

Inconsistent delinquency reporting across bureaus. 

I request that you conduct a reinvestigation under the FCRA and remove or correct the inaccurate data. If the data can not be verified, please delete the account entirely. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check on XX/XX/XXXX for {$24000.00}. The next day BMO Bank froze my account for " suspected fraud ''. I emailed BMO Bank on XX/XX/XXXX a copy of the other party 's bank statement to provide proof that the check cleared on their end, and I also provided them an invoice. They are tellling me my account will be frozen for 30 business days to complete the investigation. THIS IS ABSURD! The check already cleared from the other party 's bank, which is strong enough evidence to show that the check is not fraudulent.

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 2025-10-01 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: IL

Complaint narrative:
I asked to have an account to be deleted from my report due to inaccurate payment history being reported on the different credit bureaus. They have my account reported as 30 days late XX/XX/XXXX, current XXXX XXXX, 30 days late on XX/XX/XXXX for Experian, and for Tansunion it is current XX/XX/XXXX, late XX/XX/XXXX, and current XXXX XXXXAccording to 15 USC 1681 this is a violation for in accurate payment history reporting.The account is XXXX XXXX XXXX account XXXX XXXX opened XX/XX/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 2025-10-01 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: IL

Complaint narrative:
I asked to have an account to be deleted from my report due to inaccurate payment history being reported on the different credit bureaus. They have my account reported as 30 days late XX/XX/XXXX, current XXXX XXXX, 30 days late on XX/XX/XXXX for Experian, and for Tansunion it is current XX/XX/XXXX, late XX/XX/XXXX, and current XXXX XXXXAccording to 15 USC 1681 this is a violation for in accurate payment history reporting.The account is XXXX XXXX XXXX account XXXX XXXX opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am a victim of identity theft. My credit reports contain fraudulent accounts and unauthorized hard inquiries that I did not open or authorize. I have provided the credit bureaus with my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. Under federal law, specifically 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, the credit bureaus are required to block this fraudulent information within 4 business days of receiving my dispute.

Despite my submission, these fraudulent accounts and inquiries remain on my credit file. They continue to damage my creditworthiness and cause harm. I am requesting immediate removal and blocking of the fraudulent accounts and inquiries as required by law. 
The fraudulent items include : Inquiries : XXXX Card ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), Suburban CAD ( XX/XX/XXXX ), XXXX Credit ( XX/XX/XXXX ), Equifax Mortgage ( XX/XX/XXXX ) Accounts : TD Auto Finance ( 60 days late, closed XX/XX/XXXX ), XXXX Bank ( dispute remark ), XXXX XXXX ( dispute remark ), XXXX XXXX XXXX XXXX dispute remark ), and other accounts marked with incorrect dispute or closure notations I request that the CFPB ensure the credit bureaus comply with federal law by blocking and deleting these fraudulent items 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 2025-10-01 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: MI

Complaint narrative:
I am a victim of identity theft. My credit reports contain fraudulent accounts and unauthorized hard inquiries that I did not open or authorize. I have provided the credit bureaus with my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. Under federal law, specifically 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, the credit bureaus are required to block this fraudulent information within 4 business days of receiving my dispute.

Despite my submission, these fraudulent accounts and inquiries remain on my credit file. They continue to damage my creditworthiness and cause harm. I am requesting immediate removal and blocking of the fraudulent accounts and inquiries as required by law. 
The fraudulent items include : Inquiries : XXXX Card ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), Suburban CAD ( XX/XX/XXXX ), XXXX Credit ( XX/XX/XXXX ), Equifax Mortgage ( XX/XX/XXXX ) Accounts : TD Auto Finance ( 60 days late, closed XX/XX/XXXX ), XXXX Bank ( dispute remark ), XXXX XXXX ( dispute remark ), XXXX XXXX XXXX XXXX dispute remark ), and other accounts marked with incorrect dispute or closure notations I request that the CFPB ensure the credit bureaus comply with federal law by blocking and deleting these fraudulent items 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 2025-10-01 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: DC

Complaint narrative:
There is a fraudulent XXXX XXXX credit card account ending in XXXX on my credit report. This is not my credit card account. I am a victim of identity theft and have an Identity Theft Report with FTC. Please see the attached document. I request to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Insert if available ] XXXX, GA XXXX Phone : ( XXXX ) XXXX Re : Dispute and Request for Validation Account Number : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, I am writing pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to formally dispute the accuracy of the debt you claim I owe. 

According to your records, the alleged debt is as follows : Original Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Original Balance : {$1000.00} Current Balance : {$1000.00} Date Opened : XX/XX/year> Status : Collection account, {$1000.00} past due as of XX/XX/year> This information is inaccurate because your records indicate the balance is both XXXX XXXX  paid off and yet still listed as {$1000.00} past due. Such contradictions call into question the validity and accuracy of your reporting. Under 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt before continuing collection activities. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is unlawful to furnish information to credit reporting agencies that is known, or should be known, to be inaccurate.

Therefore, I demand the following : Documentation proving that I am legally obligated to pay this debt. 

A complete itemized statement of the balance, including how the amount of {$1000.00} was calculated. 

A copy of the original signed lease agreement or contract with XXXX XXXX XXXX. 

XXXX that XXXX XXXX XXXX has the legal right to collect this debt in North Carolina. 

Written confirmation that all inaccurate reporting related to this account is corrected with all credit reporting agencies. 

Be advised that until you provide full validation, you must cease all collection activity, including reporting or continuing to report this account. Any attempt to collect without proper validation constitutes a violation of XXXX XXXX. XXXX and XXXX result in legal action. 

This letter is not a refusal to pay but a notice that the debt is disputed. Please respond within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Insert if available ] XXXX, GA XXXX Phone : ( XXXX ) XXXX Re : Dispute and Request for Validation Account Number : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, I am writing pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to formally dispute the accuracy of the debt you claim I owe. 

According to your records, the alleged debt is as follows : Original Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Original Balance : {$1000.00} Current Balance : {$1000.00} Date Opened : XX/XX/year> Status : Collection account, {$1000.00} past due as of XX/XX/year> This information is inaccurate because your records indicate the balance is both XXXX XXXX  paid off and yet still listed as {$1000.00} past due. Such contradictions call into question the validity and accuracy of your reporting. Under 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt before continuing collection activities. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is unlawful to furnish information to credit reporting agencies that is known, or should be known, to be inaccurate.

Therefore, I demand the following : Documentation proving that I am legally obligated to pay this debt. 

A complete itemized statement of the balance, including how the amount of {$1000.00} was calculated. 

A copy of the original signed lease agreement or contract with XXXX XXXX XXXX. 

XXXX that XXXX XXXX XXXX has the legal right to collect this debt in North Carolina. 

Written confirmation that all inaccurate reporting related to this account is corrected with all credit reporting agencies. 

Be advised that until you provide full validation, you must cease all collection activity, including reporting or continuing to report this account. Any attempt to collect without proper validation constitutes a violation of XXXX XXXX. XXXX and XXXX result in legal action. 

This letter is not a refusal to pay but a notice that the debt is disputed. Please respond within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received 3 collection notices from genesis recovery saying I owed debts for an apartments I rented in XXXX XXXX XXXX. I have lived in the same home since XXXX  I have never applied for any apartment anywhere. I contacted the original apts in question alll three said that the person never came in never paid nor did they move in I sent this information to debt collector gave my information so they can correct the problem instead they added the info I gave them to make the debt more correct and now they refuse to do anything but call me daily saying they verified the debt with my address. Yes because I gave them my address when I disputed the 3 collections. 
I have proved this is.not my debt but this collection agency will not stop and Im livid at the behavior I have excelllent credit until this happened now Im fighting to get my name cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
Hi, my name is XXXX XXXX and my husband name is XXXX XXXX. Our joint account in XXXX XXXX XXXX  ( XXXX ) suffered a big fraud. Since XX/XX/year>, XXXX Western Union ( https : //www.westernunion.com/us/en/home.html ) transactions have taken our money out continually and frequently with a different amount each time. Total amount is XXXX. After I contacted Western Union, the agents told us the receivers ' name-XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX both of them picked up money in XXXX, XXXX. However WU refurse to provide us the more detailed info like account number and card number but if police or any authority ask it, they definetely will help. The case number with WU is XXXX. We went to local police station and XXXX XXXX XXXX contact the law enforcement department by the phone number ( XXXX, XXXX ) which WU fraud department gave at least 10 times but nobody answer yet!! XXXX XXXX also already send email to WU Law enforcement 's email address, please reply to his email via XXXX soon! More info we have, easier for police to find the criminals!! Don't ignore victims. 

I need WU contact its XXXX XXXX branch and please call XXXXXXXX XXXX Police! The case will be easy to solve as long as WU cooperate with police!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
They put a Suspicious Fraud alert on my account but its all me doing the transactions and Ive been trying to get ahold of chime for days now I cant get food from the vending machine at my job when Im on lunch and it doesnt even give me a option to say yes if its me or not it just declines it completely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
XXXXHi, XXXXI have been trying to get a refund from XXXX  for 18months.XXXXThey have provided proof they refunded my card and Capital One says they would not have accepted a refund request on a closed account. I have 1/5 years and 16 calls into Capital One - account number XXXX  Hope you will help.XXXXSpoke on XXXX with Manager XXXX at Capital One - she was the first one that even found I really had a card there - seems like Capital One has some issues that need investigation.  Called her at XXXXHello XXXX,XXXXThank you for your response. Please accept our apologies, the full card number does not assist us in locating your refund. We see that There should be a refund in the amount of $XXXX with an XXXX  Reference Number of XXXX, the refund in the amount of $XXXX has an XXXX  Reference Number of XXXX. Both refunds were processed on separate dates, the refund in the amount of $XXXX  began processing on XXXX XXXX XXXX and the refund in the amount of $XXXX began processing on XXXX XXXX XXXX. If you are still unable to see these refunds on your statements from last year we encourage you to call your bank with the XXXX  Reference Numbers so they can assist in locating where the funds went for the card ending in XXXXPlease don't hesitate to reach back out to us if there is any way we can be of further assistance. Thank you for choosing XXXX XXXX XXXX XXXXSupervisor, Customer Relations  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation