vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
This CFPB complaint is being submitted under FCRA XXXX XXXX ( XXXX XXXX Section XXXX ) requesting that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit file within XXXX business days : An auto loan account with Ally Financial opened on XX/XX/XXXX A collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A rental collection account with XXXX Automated opened on XX/XX/XXXX A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX Experian Hard Inquiries Listed Below XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX These accounts are not mine and were not opened or initiated by me in any way. I have provided documentation including a copy of my consumer FICO credit report showing these entries and an FTC Identity Theft Report # ( private case number ) confirming that all of these accounts are 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 2025-05-27 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-05-27 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My client wrote a check that I deposited into my XXXX XXXX Account. They put a hold on the check and close the account within XXXX hours of the hold. We then requested information as to why they did that and they responded as with, " there was no verification ''. We then ask them to open another account and process the check. They have not released the funds and it has been XXXX  months. When we have reached many times to resolve this. They have asked for verification via a phone number from our client. We have provide several phone numbers and have been willing to connect with his bank to provide verification. XXXX refused all attempts to verify my client as the originator on the check expect via a phone number. I don't understand because they have several phone numbers from my client and I have even provided his bank 's contact information. Due to this delay in payment we have not been able to move forward with this project and have lost the contract with this client. It has destroyed our relationship with this client and it needs to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have truist business checking account ending in XXXX. I called XXXX XXXX  XXXX to close this account but there is no way to reach out to a human being. Only a robot. 
This is the call made at XXXX XXXX  CST. 
Waited on the call for 25 minutes but no luck. 

There is no chat or way to send the email. 
Account balance is XXXX-they should close the account.

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 2025-05-27 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have a XXXX XXXX card provided by XXXX I had been waiting for my benefits for a couple months I finally received my benefits loaded on the card but couldn't use it I contacted XXXX XXXX and they stated they had to close my account so they would send me a check I asked why they didn't say they just said they had to close it so I asked if they could transfer the funds to a different card they said no so XXXX weeks later I received the check. So I looked up where I could cash it XXXX XXXX  said XXXX XXXX stores and they named another check cashing place as well. I went to XXXX walmarts and they wouldn't cash it then I went to the other check cashing place and they were closed down so with no other choice I went to California check cashing where they charged me 10 % cashing fee which came out to XXXX I would like to be reimbursed by XXXX XXXX for forcing me to take a check and not providing a place to cash it for no fee that's XXXX out of my XXXX benefits to cash a check they forced me to take instead of transferring it to a different card or letting me use their card which the funds were deposited too l thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : 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 2025-05-27 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME A AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE! 


I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : Inquiry XXXX. XXXX XXXX ( finance ) Please pronmtly remove this data within 4 bbusiness days pursuant to 15 USC 1681-c-2 to aviod any furthur legal proceedings. Thank you for your timely compliance!

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 2025-05-27 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XX/XX/scrub>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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I visited an XXXX XXXX store in-person to return two items totaling {$76.00} from an online order paid with my Capital One debit card. XXXX return system repeatedly attempted to refund the amount back to my Capital One card, but each attempt was declined. I had the physical card with me, and both the automatic refund and manual chip insert attempts failed. XXXX system flagged the card as invalid and advised staff to tell me to contact my bank. 

The manager also attempted to refund to another card from a different bank, but XXXX system blocked it, confirming that the refund is valid, but only the original payment method or a store gift card could be used. I did not want store credit. 

I contacted Capital One and was told that they could see refund attempts from XXXX that had been rejected. That same Capital One representative told me that this type of issue is common and specific to how Capital Ones systems interact with both specifically XXXX and Home Depots return systems. They said its a known technical miscommunication between the systems, and the refund attempt was being rejected on their end. I was advised that the only option was to file a dispute, which I did. 

Despite this, Capital One denied the dispute, claiming the original charge was valid even though I was never disputing the original purchase, but rather the failure to process a valid refund initiated by the merchant. 

I followed all return instructions, acted within the return window, and attempted the return in good faith. The return failed only due to a technical issue with Capital Ones system rejecting the refund. I now have products I do not want, which I could not leave at the store due to XXXX XXXX, and I am being penalized for an error outside of my control. I am requesting that Capital One take responsibility for the failed refund and issue a credit for the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I received unsolicited Credit and Debit cards from a company called Current. Both cards are in my name and came to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.l am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a credit card account with Discover that was charged off. I later reached a settlement agreement with Discover and paid the agreed-upon amount in full over a period of time. I made all settlement payments on time as required. 

However, Discover continues to report the payment history as showing ongoing derogatory marks specifically repeated CO ( charge-off ) notations for each month during the settlement period. 

I contacted Discover and they stated that all post-charge-off payments are reported as derogatory by policy. I believe this reporting is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ). While I understand the charge-off remains, the repeated monthly charge-off notations during months I was making on-time payments do not fairly reflect my fulfillment of the settlement terms. 

I am requesting that Discover correct this reporting and reflect the payments made under the settlement as paid-as-agreed or remove repeated CO notations for those months.

Company response to consumer: Closed with explanation