vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-09-10 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-10 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: MI

Complaint narrative:
The collector has not supplied validation documents as requ

ired under FDCPA 809. The bureaus continue to list conflicting dates and balances a
cross reports

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Alleged Debt / Request for Investigation To Whom It May Concern, I am writing to dispute the validity and accuracy of the debt that you claim I owe to Capital One. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request the following : 1. Verification of the debt, including an itemized accounting of the amount claimed. 

2. The name and address of the original creditor, along with documentation showing I am legally obligated to pay.

3. Proof that your agency has the authority to collect this debt in my state.

4. A copy of any contract, agreement, or signature that establishes my responsibility. 

Under the FCRA, you are required to conduct a reasonable investigation of this dispute, and if the information can not be verified, it must be removed or corrected from my credit file. Under the FDCPA, you must cease collection efforts until proper validation is provided. 

If you continue to report this disputed debt without providing proper validation, you may be in violation of both the FCRA and the FDCPA. I am documenting this request for my records. 

I expect your full compliance with federal law. Please respond in writing within 30 days of receiving this letter. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The offender who stole my identity contiues to get mail here at my home. The front of the envelope states XXXX XXXX XXXX. I reported a fraud adoption. I spoke to the mail lady and told her she never lived here.

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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: CT

Complaint narrative:
They have called around 10 people looking for me trying to sound like law enforcement. Harassing people I have not spoken to or associate with anymore. Being extremely aggressive and vulgar

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Urgent duress withdrawal XXXX XXXX case # XXXX To whom it may concern I am writing to formally report that I was the victim of a XXXX XXXX and XXXX  which forced me to make a withdrawal from my chase account under extreme duress. 

On XX/XX/year> while at XXXX in XXXX XXXX Texas I was held at XXXX  by an XXXX  assailant. The XXXX  forced me into my vehicle and threatened to XXXX  my family if resisted or spoke out. He seen my identification, which heightened the threat because he now had my personal information and could locate my home and family. 

Under direct threat to my life and familys safety the assailant made me drive to the chase branch at XXXX XXXX XXXX XXXX XXXX Texas XXXX. While he remained in the car I was forced to withdraw {$15000.00} in cash against my will. 
After the withdrawal he instructed me to return him to XXXX still under the threat of violence. 

This was not voluntary transaction nor fraud on my part. 
It was a crime of extortion under duress. I immediately reported the incident to law enforcement. The police report was filed with XXXX XXXX police department case # XXXX XXXX XXXX XXXX. Please reference this report for verification. 

I am requesting that chase recognize this withdrawal as an unauthorized transaction due to duress/extortion and escalate this case to your executive claims team for urgent review. I am also asking that chase preserve any surveillance footage from the XXXX XXXX XXXX XXXX XXXX Texas XXXX on XX/XX/year> at XXXX XXXX, which will corroborate the police investigation. 

I would appreciate written confirmation that my case is being reviewed at the appropriate level. Please let me know if you require additional documentation or direct communication with the investigating officer. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
During covid PNC gave us covid credit that my husband nor I nor my grandmother signed for which caused our account to be drawn when they took the credit back I asked them to refund them money back they refused to because of that credit and the account was closed out due to that in XXXX. I called them to see what i supposly owe them they claim I never had a bank account with them XXXX XXXX XXXXXXXX took back my money in my account I been waiting for years for them to refund my money back which they are refusing too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
So I wasnt able to see an updated balance on my account since XX/XX/XXXX, I still cant see an updated balance on my end via web and mobile app, I am not able to access any money from my account with the debit card linked to my checking account, so Ive been without money or not paying my bills since XXXX XXXX, Ive called every day since then and it has been escalated and tickets were written out for my case to fix this and still nothing has been resolved yet as of today.

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 2025-09-10 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I was the victim of a phone swap scam. The entitled the criminal to gain access to my email, crypto currency accounts, bank accounts, XXXX account, and XXXX XXXX account. They took over everything and stole my crypto assets and in some cases spent money in my accounts buying new crypto and transferring it to another wallet. I did immediately noticed what happened and contact Crypto.com, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have resolved the issue with everyone except Crypto.com and XXXX. My XXXX  account is locked and I can not get in to see all of the damage and change my information. I have followed there help process over and over again. They requested a IC3 Complaint - which I completed on XX/XX/year>, I filed a police report on XX/XX/year>, I have sent a photo with my ID in more than 2 or 3 times, I have emailed several times. My latest Case # XXXX has simply been ignored. I keep getting an email stating they have not heard from me and in 48 hours the case will be closed. 

Crypto.com has a live chat. I have submitted all requested materials to them including filling out a questionnaire of the incident, provided my ID, a new telephone number, and new email address as well as the original information on my account. I keep getting the run around with them. They just keep requesting the same information over and over again. I have been doing all of this for these two companies since XX/XX/year> with no resolution or response. Crypto.com is stating they will not refund my losses. I have over {$400.00} in their system which I can not get access to because they will not restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account 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 2025-09-10 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: CA

Complaint narrative:
I am disputing the accuracy of an account being reported by XXXX XXXX XXXX/ XXXX XXXX XXXX ( Original Creditor : XXXX, Acct. # XXXX, Ref ID : XXXX ). 

On XX/XX/year>, I filed a dispute with Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, providing documentation showing that the furnisher failed to validate the account. 

XXXX validation consisted only of : A prior billing statement, An internally generated account summary, and A self-prepared ownership history.

They did not provide : A signed contract or agreement with XXXX, A complete, itemized account history, or A valid bill of sale/assignment showing transfer from XXXX to XXXX XXXX XXXX XXXX 

Despite this, Equifaxs reinvestigation verified the account. Equifax relied solely on the furnishers word, rather than conducting a reasonable reinvestigation as required by FCRA 1681i ( a ), and continues to report unverifiable and inaccurate information, violating FCRA 1681e ( b ). 

This account remains disputed and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-10 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
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 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 2025-09-10 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: GA

Complaint narrative:
I am a victim of XXXX XXXX. A fraudulent XXXX XXXXXXXX account keeps being reinserted on my Experian credit report even after I submitted an FTC Identity Theft Report, police report, proof of identity, and proof of address. Under the Fair Credit Reporting Act ( FCRA ) 605B, Experian is required to block this account within 4 business days once an Identity Theft Report is provided. Instead, Experian has repeatedly deleted and then reinserted the same account.

Each time, I received conflicting messages : first that the account was deleted, then that it was being reinserted, then that it would remain. My credit score has dropped significantly as a result of these reinsertions. The account has been removed and re-added multiple times within a short period, showing Experian is not conducting a reasonable reinvestigation under 611 ( a ) ( 1 ). 

I specifically requested the method of verification, the procedures used, the certification of accuracy from XXXX XXXX ( which is required before reinsertion ), and all records Experian relied upon. Experian has not provided this information. Under 611 ( a ) ( 5 ) ( B ), they were required to notify me within 5 business days of any reinsertion and provide the furnishers certification of accuracy. I never received proper notice or documentation.

Experians actions violate both 605B ( failure to block identity theft accounts ) and 611 ( a ) ( 5 ) ( B ) ( improper reinsertion without notice ). I am requesting that the CFPB require Experian to : 1. Immediately and permanently delete the XXXX XXXX account from my report. 
XXXX. Provide all documentation and certifications allegedly received from XXXX XXXX to justify reinsertion. 
XXXX. Ensure Experian complies with its legal obligations under the FCRA. 
These repeated violations have caused significant harm, including damage to my credit score, loss of credit opportunities, and emotional distress from Experians failure to correct and prevent reinsertions of fraudulent information.

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