vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I received a notification from XXXX XXXX that there was a new hard inquiry on my credit report. I have not recently applied for credit anywhere.

I called the number which was provided by XXXX XXXX on my credit report, and found out that it was XXXX XXXX . They asked me for my address to proceed, and I was very skeptical to provide any info considering this alert, an

d other fraudulent charges on a separate credit card that I recently had. -- They informed me that I could instead contact the credit reporting agency ( Equifax ) and they would handle the process instead. I filed a dispute with Equifax, and when I logged in today ( XX/XX/year> ) to check the status, I found that the " investigation '' was completed, and they determined that this was not fraud.

I called a number on Equifax 's report which said if I disagree with their outcome to contact the creditor directly. So I called the same XXXX XXXX number I called the other day, and provided them my information. It turns out that it wasn't just an inquiry, but an account actually had already been opened in my name.

I have no idea who could've done this or how. I signed up for an identity monitoring service through XXXX and a scan found that my XXXX has been leaked by XXXX XXXX XXXX and is apparently all over the internet.

I've already put in an alert in with the credit agencies. But I'm very concerned as to how a fraud investigation could be completed in just two days between Equifax and XXXX XXXX , and return inaccurate information, telling me that this application was not fraudulent.

Even more concerning is the fact that my wife was a victim of credit card fraud a few years ago, with fraudulent charges on her card from XXXX XXXX XXXX as well. She went through the fraud department of her credit card and the same thing happened to her, they came back and told her the charges ( placed in another state, that would take our family of 7 DAYS to drive to ) were NOT fraudulent.

It seems to me that whatever the XXXX XXXX is doing to assist these credit companies in their so-called " investigations '' is very far from satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per thier reports of XXXX XXXX Account # XXXX XXXX XXXX Reported as closed with {$960.00} past due balance as of XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Reported as written off in XX/XX/XXXX with {$1100.00} balance.- XXXX XXXX Account # XXXX XXXX XXXX Reported as charged off with {$5600.00} balance, {$870.00} past due as of XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Reported as open with {$900.00} past due as of XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Reporte

d as charged off with {$6300.00} written off and {$5400.00} past due. not validation of debt

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 2025-08-22 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: MO

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 XXXX. 

Moreover, I was affected by the Equifax, XXXX and XXXX  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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a lot of capital one cars who nest up my credit and now I cant get a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have called the number listed on the documents Capital One keeps forwarding to the CFPB multiple times and leaving voicemails. I am trying to speak to XXXX about the payments allowed to go through on my account, XXXX, but not bills that I have charged to my account on a monthly basis. Every phone call, every message, every communication and correspondence has been thoroughly documented. I will continue to reach out through correspondence until this issue is resolved. My account is due to charge off in less than 2 weeks. Your prompt attention to this matter is appreciated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal , has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

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 XXXX. 

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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} BANKRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had an auto loan with chase bank and the car got stolen and is now part of a legal law suit due to the care eventually getting returned by the original person who stole the car, which I have also relayed to the bank. Since then they charged off the account and sold the debt and now some private investigator is calling my family and harassing and is threatening to pick up the car and isn't listening to any of the legalities going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am writing to formally dispute a late payment reported on my account. According to my records, all payments were made in a timely manner, and the reported late entry is incorrect. This false reporting misrepresents my payment history and is causing unjust harm to my creditworthiness.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute certain items tied to accounts not initiated by me. Kindly perform a meticulous review and remove them from my report. Supporting materials are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Employers XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX2025, I called into Jefferson Capital to try to come up with a settlement amount on a debt they claim I owed. Although I do not owe the debt, I called to come up with a resolution that would wipe the collection off of my credit. I explained to the representative how did not have the funds today but wanted to make a future arrangement. I told him before I agreed to any amount or date, he would have to send me, in writing the form that would request deletion from all 3 credit bureaus. When I saw the date and amount, I immediately told him NO that I did not agree to those terms. I told him I would call in later to discuss with another representative from Jefferson Capital in regards to the XXXX account. After we hung up, I went online to look at my account and a Payment agreement was on my account with an amount of {$1000.00} due TODAY. I did not agree to that. I called in and spoke with another representative who would not remove it. I called in a THIRD time and the representative removed the payment arrangement but said I would not be given another opportunity to settle. Amount again, even though I told them I wanted to dispute the account. This was done fraudulently on their end to make sure this Account stays on my credit. I was a victim of a data security incident between XX/XX/XXXX/24 and XX/XX/XXXX/24 where my Name, Date of Birth and Social Security number was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX2025 I clicked on an ad on XXXX marketplace  that posed his XXXX  to buy something a piece of furniture. I clicked on it I paid for it and I also paid for expedited shipping 5 to 7 days delivery. It's now been 90 plus days I've yet to get the item I disputed it with my bank immediately when I realized they were fraudulent by their emails you can tell they're not from XXXX  it's a personal email address they sent my receipt through and I have been battling this for months in my bank will not produce a chargeback or a refund because the merchants Bank isn't paying them. It doesn't make sense I've tried to battle it with them numerous times and I'm not getting anywhere with my bank but I think it's unfair because I never received the item. I've asked the company that's sold this supposed piece of furniture to me many times for their phone number and they say their phone system is not set up yet. They're clearly fraud they're clearly taking people for their money and obviously not producing what people are paying for. And my bank fails to understand that I was frauded or scammed. They have excuse after excuse to keep delaying my money being refunded to me. It was a small amount it was {$49.00} on XX/XX/XXXX 2025 it is now XX/XX/XXXX2025. I only remember the last 4 of my card number which is XXXX. I cancelled it after this ordeal.

Company response to consumer: Closed with explanation