vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft.

XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : 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.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, after any reinvestigation of 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 ( ii ) promptly notify the furnisher of that information I am requesting that the following inaccurate or unverifiable accounts be deleted from my credit file immediately : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  Balance : {$420.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  Balance : {$1000.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. 
Balance : {$690.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$630.00} ( Charged Off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$280.00} ( Charged Off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( Charged off {$490.00} written off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX Balance : {$0.00} ( Transferred, {$1000.00} written off ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( 32 late payments ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00} ( 4 late payments ) Account Number : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} ( XXXX late payments ) Account Number : XXXX Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
This collection showed up on my credit report but I have no recollection of this debt. This debt does not belong to me. I am unaware of what it is exactly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I issued formal disputes to TransUnion regarding the above XXXXXXXX XXXX  account. These letters detailed : Improper late and interest charges Failure to verify the debt Omission of required contract documentation Requests for deletion under FCRA 1681i ( a ) ( 5 ) ( A ) Legal representation notice via XXXX XXXX XXXX, which independently demanded account deletion in XX/XX/XXXX TransUnion was obligated to investigate the account, notify me of outcomes, and delete unverifiable datayet it failed to follow these requirements. 

2. Violations in Reporting Behavior As of my XX/XX/XXXX TransUnion report, the account still reflects : A derogatory Charge-Off status Monthly CO notations extending through XX/XX/XXXX, despite account closure in XX/XX/XXXX and ongoing payments via a court-approved stipulation Absence of any consumer disputes account notation, violating FCRA 611 ( a ) ( 6 ) Mismatched metadata compared to XXXX  and XXXXincluding last payment date, activity status, and balance These inconsistencies violate : FCRA 623 ( a ) ( 5 ) furnishing outdated information FCRA 623 ( b ) ( 1 ) failure to cease reporting unverifiable data FCRA 607 ( b ) failure to ensure maximum accuracy Metro 2 Guidelines ( CB01, CO25 ) improper charge-off coding after stipulated settlement 3. Harm to Consumer XXXX failure to honor deletion demands and correct the account : Artificially suppressed my credit score for nearly 19 months post-dispute Enabled XXXX XXXX to file legal action without valid verification Left me exposed to ongoing derogatory reporting despite payment compliance under the court stipulation. A separate Florida AG complaint has been filed against all 3 CRAs for their failure to follow FCRA laws. CRAs have 15 days to remove they have had 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX, TX XXXX To Whom It May Concern, I recently reviewed a copy of my credit report from Experian and I noticed inaccurate late payments listed on my file. Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b Permissible purposes of consumer reports, which states : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not provide written instructions to furnish or report these late payments. Furthermore, under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) Exclusions from consumer reports, it is stated : The term consumer report does not include ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report.

As such, reporting these late payments without my explicit authorization violates both my rights and federal law. 
I am demanding the immediate deletion of these late payments from my credit report. If your agency fails to correct and remove these inaccuracies within the legally required timeframe and provide me with a free, updated copy of my corrected report, I will pursue the following legal actions and claims : 1. Defamation of Character ( Per Se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act 15 U.S.C. 1692g 4. Violations of the Fair Credit Reporting Act 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) I am entitled to seek damages of up to {$1000.00} per violation under these statutes. 
Please consider this a formal request under the FCRA to correct and delete the listed late payments. I expect confirmation in writing and a new, corrected credit report within 30 days of receipt of this letter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On my Saphire XXXX credit card I activated a 10 % cash back offer for booking XXXX hotels within the US. I booked the XXXX XXXX XXXX on XXXX, VA. However the cash back was not applied by Chase. After contacting Chase multiple times and escalating the issue Chase concluded that XXXX XXXX XXXX is not a XXXX XXXX and denied the offer. However any basic XXXX search or XXXX website search would show that XXXX XXXX is a XXXX brand including XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # [ XXXX ] ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity 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 2025-07-23 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: AL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX 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 2025-07-23 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Applied for home improvement/loan modification and I was told there would be associated fees that would be refunded if the application was cancelled. They never stated the amount but said it was a small fee and they needed my credit card number. A week after that I received a notice from my bank on XX/XX/year>25 that {$820.00} was debited from my account. I was very upset, they said not to worry and either if the loan was processed or cancelled the full amount would be refunded. When the loan was cancelled I received a credit of {$700.00} on XX/XX/scrub>/25. When I called they said part of it was for a credit background fee and was non refundable. I am seeking the difference of {$120.00} be refunded. Thank You. 
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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
I had a title loan through LoanMax in Arizona. They repossessed my vehicle, and I submitted both verbal and written requests for a full post-sale accounting. Under Arizona law ( A.R.S. 47-9610 ( C ) ), they are required to respond within 10 days. That deadline has passed, and they have not responded at all. When I called, I was told to do the math myself.

LoanMax also applied four unexplained courtesy payments to my account all while my car was still being held in police evidence and completely unavailable to me. These payments were never requested, disclosed, or explained, and appear to be a manipulation of my account balance.

Although they sent an Intent to Sell letter, it lacked critical details such as the sale date, method, and redemption terms. Ive attached this letter for reference. Im requesting CFPB investigate this lender for deceptive and noncompliant conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year>2025 I found emails from various companies that my information was found on the dark web. I got an agent from Protect My ID XXXX  involved. Found an unknown person was trying to set up an account and credit cards in my name. Multiple calls were made to get these accounts closed and reported them as fraudulent. Gave CapitalOne Bank this information. They investigated and found the fraudulent information under an incorrect social security number and the attempts had been accepted. I had to wait 4 days after I started the investigation for the accounts to be reported as fraudulent activity. On XX/XX/scrub>/2025 I received two credit cards in the mail. The letter said they were working on my recent application but they still needed me to send them a government-issued photo ID. One card was in my name and the other in my daughters name. During this entire process my daughters name never came up at all! I called the bank today XX/XX/year>2025 and spoke with a fraudulent agent. At the end of that call the man assured me all accounts/cards were made cancelled and inactive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00}

Company response to consumer: Closed with non-monetary relief