vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was told that a deposit of XXXX was trying to be deposited on my account that I was unaware of and they said that was the reason my account was on hold. After speaking with several departments and representatives I was told that someone would contact me and that my account was under review by someone. Its nearly been a month and a half and there has not been a solution. Every time I do a verification process I get told that I have to go to a branch and every time I have to explain there isnt a branch in my state. Ive called every number I could think of and I have not been helped.

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 2025-08-29 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:
To whom this may concern, I am writing to dispute a charged-off account on my credit report. The account is listed without the full account number, which makes it impossible to verify its validity or confirm that it belongs to me. 

To assist with this matter, I ask that you review the payment history associated with this account. Without a valid account number or accurate payment history I am unable to have confidence in the accuracy of this alleged account. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated. Please verify the accuracy of the information with the furnisher. If it can not be verified, I request that it be removed or corrected on my credit report. 

Please complete your investigation within the 30-day period as required by law and inform me in writing of the outcome. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Called Bank of America in XXXXXXXX XXXX  XXXX and made my final payment on my car loan. 30 days later I received the title to my vehicle since it was paid off then in XXXX of XXXX, almost 3 years after I made final payment, received the title and ZERO communication showing there was a balance on car loan, Bank of America flagged my account as charged off on my credit report. I have tried calling and emailing to get more information and get it corrected and have received no resolution. I have also tried disputing it on my credit report and all I get is account updated as resolution but it still shows charged off

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a compliant against Capital One regarding the deceptive practices related to my " 360 '' high yield interest savings account. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rate, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted insignificant financial loses for many, breaching the Consumer Financial Protection and the Truth in Savings Act. I seek redress for misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit and my case reference Report XXXX is XXXX. This is my proof from the US Federal Trade Commission regarding this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
This request is for the debt reported on my credit file from : XXXX XXXX I am formally requesting validation of the alleged debt reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if I, the consumer, request a description of the procedure used to determine the accuracy and completeness of the disputed information, you are required to provide it within five ( 5 ) days of the completed investigation. 

Therefore, I demand the following information regarding XXXX  XXXX XXXX XXXX XXXX A detailed description of the procedure used to verify the accuracy and completeness of the disputed information.

-Who did Experian, Transunion and Equifax interview regarding this account?

How did Experian, Transunion and Equifax determine the validity of this alleged debt? 
A full itemized accounting of the alleged debt, including principal, interest, fees, and any other charges assessed. 
Copies of any correspondence or documentation that substantiate the legitimacy of this debt and my obligation to pay. 
A sworn affidavit from an authorized representative attesting to the accuracy and validity of this debt. 
Until these documents are provided, I dispute the validity of this alleged debt. If you fail to provide the requested information, any continued reporting of this debt may constitute a violation of the Fair Credit Reporting Act. 

I have provided green slips from the post office from certified mail on how these documents were never provided to me

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$16000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3100.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$310.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$500.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3500.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$380.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-08-29 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: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint because Equifax, XXXX, and XXXX  are reporting an XXXX  account that does not belong to me and is being listed as a Collection/Chargeoff with a derogatory status. 

Account details : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inconsistent across bureaus ) Date Opened : XX/XX/year> Balance : {$370.00} Status : Collection/Chargeoff This account is not mine and I have no contractual relationship with XXXX. Reporting it as mine is false, inaccurate, and damaging to my credit. The fact that XXXX  lists the account number as all XXXX underscores the inaccuracy and unreliability of the reporting. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reporting must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists for furnishing this account.

605 ( 15 U.S.C. 1681c ) Prohibits inaccurate and obsolete information.

607 ( 15 U.S.C. 1681e ) Requires reasonable procedures to assure accuracy ; listing XXXXXXXX XXXX XXXX XXXX XXXX as an account number is inherently inaccurate. 

609 ( 15 U.S.C. 1681g ) I have a right to see valid proof of this account, which has not been provided.

611 ( 15 U.S.C. 1681i ) I exercised my right to dispute ; bureaus must reinvestigate within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Furnishers are prohibited from reporting information they know or should know is inaccurate. 

Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representations.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in debt reporting.

809 ( 15 U.S.C. 1692g ) Requires proper validation of debts, which has not been provided. 

Truth in Lending Act ( TILA ) : Requires clear disclosure of consumer obligations. Reporting this account without proof violates this requirement.

Gramm-Leach-Bliley Act ( GLBA ) : Requires safeguarding of consumer financial information. Reporting a non-existent account violates privacy.

Consumer Rights Violations : Right to accurate and fair reporting.

Right to privacy of financial data. 

Right to due process under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account appearing on my credit report. I never authorized, opened, or used this account. Its presence is false and continues to negatively impact my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
I have been trying to set up automatic payments on my student loan with EdFinancial for several months. I have spoken with multiple representatives who told me that my autopay would be activated. I also have written proof from a chat transcript where I was promised that my autopay would kick in months ago.

Despite these repeated assurances, autopay has still not been enabled. This has caused unnecessary stress and created risk of missed or late payments even though I am making every effort to stay current.

I am requesting that EdFinancial immediately activate autopay on my account, explain why it was not set up as promised, and confirm what steps will be taken to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$780.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account Name : DPT ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9800.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DPT EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DPT EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DPT ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4500.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DPT EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3900.00}. 
Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : DPT ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2300.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 non-monetary relief