vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this formal complaint regarding a Capital One account that is being reported on my credit file that does NOT belong to me. I AM NOT AN AUTHORIZED USER, JOINT ACCOUNT HOLDER, OR CO-SIGNER ON THIS ACCOUNT. 

I did not open this account, I did not authorize it, I did not sign any application or contract, and I have never used or benefited from this account in any way. I have no relationship to this account whatsoever. 

The presence of this account on my credit report is the result of identity theft, mixed file reporting, or furnisher reporting error. This reporting is false, misleading, and damaging and violates the Fair Credit Reporting Act ( XXXX XXXX. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Company : Capital One Issue : Incorrect delinquency reporting Product : Credit card Capital One reported multiple late payments on my credit report that are inaccurate. Their system charged interest and fees that exceeded my actual balance ( e.g., {$34.00} in interest on a {$24.00} balance ), which overdrafted the bank account my payments were drafted from. This caused involuntary returned payments. I added funds immediately, and the payments were not late. The late reporting is the direct result of Capital Ones billing error, not a failure to pay.

This issue mirrors current litigation and consumer complaints about Capital Ones improper interest calculations. I am requesting removal of all inaccurate delinquency markers and a correction of my payment history. I have already disputed with the credit bureaus and Capital One directly, but the inaccurate late payments remain. Please investigate and require Capital One to correct this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hi, I need to report an authorized scam involving a Zelle transfer. 
I was misled into sending {$1500.00} to someone who falsely represented themselves as a legitimate matchmaking service. The company is XXXX XXXX XXXX ( XXXX ) They pressured me to send a Zelle payment before providing any real service, and after sending the money, I discovered the agreement they sent is fraudulent and contains predatory, deceptive terms. 

I did NOT receive the services I was promised, and I now believe this was a scam designed to obtain money under false pretenses. I am requesting that you file an authorized scam claim and contact the receiving bank to attempt to freeze or recall the funds before they are withdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the accounts can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the items be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX * * * * Balance : $ XXXX reported in XXXX and XXXX XXXX XXXX XXXX XXXX * * * Balance : {$1.00} XXXX XXXXXXXX * * * * Balance : {$40.00} XXXX XXXX * * XXXX * Balance : {$0.00} XXXX XXXX * * XXXX * Balance : {$660.00} XXXX XXXX * * * * Balance : {$1200.00} XXXX XXXX  XXXX * * * * Balance : {$1200.00} XXXX XXXX * * * * Balance : {$0.00} Start Date : XX/XX/XXXX Last Activity : XXXX not reported in XXXX and XXXX XXXX XXXX * * * * Balance : $ XXXX reported in XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$520.00} Original Creditor : XXXX * * * * Balance : $ XXXX reported in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-12-09 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the accounts can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the items be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX * * * * Balance : $ XXXX reported in XXXX and XXXX XXXX XXXX XXXX XXXX * * * Balance : {$1.00} XXXX XXXXXXXX * * * * Balance : {$40.00} XXXX XXXX * * XXXX * Balance : {$0.00} XXXX XXXX * * XXXX * Balance : {$660.00} XXXX XXXX * * * * Balance : {$1200.00} XXXX XXXX  XXXX * * * * Balance : {$1200.00} XXXX XXXX * * * * Balance : {$0.00} Start Date : XX/XX/XXXX Last Activity : XXXX not reported in XXXX and XXXX XXXX XXXX * * * * Balance : $ XXXX reported in XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$520.00} Original Creditor : XXXX * * * * Balance : $ XXXX reported in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
My name is XXXX XXXX and I am a minor ( DOB : XX/XX/year> ). I am the victim of identity theft. Fraudulent accounts and incorrect personal identifiers have been added to my credit report without my knowledge or consent. I have never authorized any application for credit. The following accounts were opened when I was a minor and are not mine : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Additionally, my credit file falsely lists the last name XXXX and multiple addresses in XXXX and XXXX, WA, where I have never lived. My correct legal name is XXXX XXXX, and I have only lived at my current address. 

I submitted disputes to the credit reporting agencies and provided official documentation : FTC Identity Theft Report, XXXX, WA Police Report, government-issued ID, and proof of address. These fraudulent items must be permanently blocked under FCRA 605B, and incorrect identifiers must be deleted under FCRA 605 ( a ).

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 2025-12-09 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: WA

Complaint narrative:
My name is XXXX XXXX and I am a minor ( DOB : XX/XX/year> ). I am the victim of identity theft. Fraudulent accounts and incorrect personal identifiers have been added to my credit report without my knowledge or consent. I have never authorized any application for credit. The following accounts were opened when I was a minor and are not mine : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Additionally, my credit file falsely lists the last name XXXX and multiple addresses in XXXX and XXXX, WA, where I have never lived. My correct legal name is XXXX XXXX, and I have only lived at my current address. 

I submitted disputes to the credit reporting agencies and provided official documentation : FTC Identity Theft Report, XXXX, WA Police Report, government-issued ID, and proof of address. These fraudulent items must be permanently blocked under FCRA 605B, and incorrect identifiers must be deleted under FCRA 605 ( a ).

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX, OK XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Subject : Request for Deletion of Inaccurate Personal Information under the FCRA ( 15 U.S.C. 1681g and 1681i ) Dear TransUnion, I am writing to formally dispute several items of inaccurate personal information contained in my credit file, as accessed through XXXX. This letter is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681g ( Section 609 ) : Entitles consumers to accurate disclosure of all information in their file.

15 U.S.C. 1681i ( Section 611 ) : Requires consumer reporting agencies to reinvestigate and correct or delete inaccurate or unverifiable information within 30 days.

Inaccurate Information Reported in My File : Names that do NOT belong to me : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, R Incorrect/Partial Addresses : XXXX XXXX ( incomplete ) XXXX XXXX XXXX ( incomplete and XXXX XXXX suffix ) XXXX XXXX, XXXX, XXXX XXXX ( not my address ) Employers/Associations Reported Without Consent or Accuracy Review : XXXX XXXX XXXX ( last XXXX XXXX XX/XX/XXXX ) Correct Information That Should Remain on File : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, XXXX, OK XXXX XXXX am requesting that TransUnion : 1. Delete all incorrect or partial names and addresses listed above.

2. Remove unverifiable or inaccurate employer associations unless supported by verifiable employment documentation.

3. Retain only the verified correct name and current address.

4. Send me an updated copy of my credit report reflecting these corrections, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

If the disputed information can not be verified per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), it must be permanently removed from my file.

o Documents Attached : Copy of my government-issued photo ID ( e.g., driver 's license or passport ) Recent utility bill or other proof of address Copy of the XXXX report showing the incorrect data ( highlighted ) Thank you for your prompt attention to this matter. Please respond to this request in writing to the address listed above. 
Sincerely, 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 2025-12-09 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 filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required XXXX business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : 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 XXXX XXXX XXXX XXXX  These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every XXXX of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
On my credit karma account a company called lvnv funding llc is claiming to be a debt collector that bought my debt with my XXXX XXXXXXXX balances. I am currently active and Ive made payments every month. XXXX XXXXXXXX said they do not let an agency like that collect if XXXX in good standing. So they said to dispute it and on my XXXX XXXXXXXX app on my phone it says my email was compromised on the dark web. So Im not sure what to do but I dont owe any debt. I havent missed and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX Email : XXXX XXXX Phone : XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Subject : Request to Remove Inaccurate Personal Information Under the FCRA ( 15 U.S.C. 1681g & 1681i ) Dear Equifax, I am writing to formally dispute incorrect personal information contained in my Equifax credit file, which I reviewed via XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit file that is accurate and free from erroneous or unverifiable data. Specifically : 15 U.S.C. 1681g ( Section 609 ) : Grants me the right to accurate disclosure of information in my credit file.

15 U.S.C. 1681i ( Section 611 ) : Requires consumer reporting agencies to reinvestigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

Inaccurate Information Reported in My Equifax File : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX Correct Information That Should Remain : Full Legal Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX inaccuracies may cause confusion and may indicate a potential file mix-up or clerical error. I am requesting that Equifax : 1. Delete all incorrect names and the outdated XXXX address from my credit file. 
XXXX. Retain only the correct name and address listed above.

3. Provide me with an updated copy of my Equifax credit report reflecting these corrections.

4. Confirm the results of your reinvestigation in writing, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

If Equifax is unable to verify the accuracy of the disputed information, it must be permanently deleted from my file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

o Attached Documents for Verification : Copy of my government-issued ID ( e.g., drivers license or passport ) Proof of current address ( e.g., utility bill or official correspondence ) Copy of the Equifax report from SmartCredit with disputed information highlighted Thank you for your prompt attention to this matter. Please communicate all updates regarding this dispute to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am filing this formal complaint regarding a XXXX XXXX account that is being reported on my credit file that does NOT belong to me. I AM NOT AN AUTHORIZED USER, JOINT ACCOUNT HOLDER, OR CO-SIGNER ON THIS ACCOUNT. 

I did not open this account, I did not authorize it, I did not sign any application or contract, and I have never used or benefited from this account in any way. I have no relationship to this account whatsoever. 

The presence of this account on my credit report is the result of identity theft, mixed file reporting, or furnisher reporting error. This reporting is false, misleading, and damaging and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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