vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am a U.S. Citizen that uses CapitalOne for my bank. On XX/XX/year> I was on a vacation in XXXX, XXXX. After a long day of shopping, my XXXX and I decided to grab a taxi, as we had XXXX shopping bags and the walk back to the hotel was a XXXX minute walk, all uphill, but a XXXX minute taxi ride. When we got a taxi, I got in the passenger seat and my Fianc in the back. I told the taxi driver my address and he said the taxi ride would be {$10.00} USD and he wanted me to pay before the trip. I told him I dont have USD, I have XXXX XXXX, the official currency of XXXX XXXX We had taken this trip from this location a few times, and I knew the trip cost me a little under {$5.00} USD. I knew he was overcharging me but honestly, the trip was only {$10.00} USD and I was tired and didn't mind paying {$10.00}. After explaining to him several times I only have XXXX  and he repeatedly saying its {$10.00} USD, I told him I would only be able to pay with card. I would have gotten out at this point but my fianc was absolutely exhausted and we had several bags we would have to carry home. He typed up an amount on his card reader and held it to me, in the sunlight. This was a common thing in XXXX but I had not gotten scammed so I didnt think much of it. I did tap-to-pay on my card and my phone lit up saying my, " Purchase for {$270.00} ( USD ) was approved '' I told him he just charged me almost {$270.00}. He told me his card reader was broken and that I need to pay {$10.00} USD for the ride, that we hadn't even taken yet. I told him no, he definitely just charged me almost {$270.00}. We argued back and forth for a while until he started to completely ignore me and started demanding {$10.00} USD from my Fianc. At this point I got out of the taxi and instantly called CapitalOne support. I then made the XXXX minute walk back to my hotel. I told CapitalOne the story XXXX more times after the initial call. They rejected my claim because the merchant, " showed proof they provided the goods for my service '' which was a screenshot of a transaction saying I entered my pin. I had them reopen the case because that was obviously ridiculous, I submitted a XXXX page written statement, and they rejected it again. {$270.00} for a XXXX minute taxi ride that I did not even receive!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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

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 2025-10-08 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$630.00} XXXX Date XX/XX/XXXX Balance {$270.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} Nebraska Department of Health & Human Services Date Opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On or around XX/XX/year> we opened a XXXX XXXX Checking account with Chase for my son. We received a postcard in the mail that stated if we open a XXXX XXXX  account and complete XXXX transactions in the first 60 days we would receive a bonus of {$120.00}. We visited Chase at XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky and opened an account with a banker. We presented the postcard to the banker when opening the account and confirmed verbally the promotion card was applied. 

After not having received the bonus I opened a message string with Chase bank. They confirmed the account never had the promotion code assigned to it and would escalate this to their research team. I received a voicemail from the research team with a phone number to contact them back. I have been calling that phone number, for over a week, and continue to be told that the Chase people can not connect me with the research team via that phone number and that there is no update to the investigation at this time. I am told that the research team will contact me when there is an update but we are now XXXX weeks into this process and still have not been updated. I asked how long, or when I should expect an update, and the person at the Chase helpline does not know the answer to that nor can they connect me with anyone that can answer that question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-08 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: VA

Complaint narrative:
The debt collector named XXXX called my cousin and her husband and told them they needed to speak with me regarding a debt collection and that legal action would be taken against me if I did not speak with them. The agency name is Independence Capital Recovery , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NC

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 2025-10-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 2025-10-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
On Sat. I received a notification of a charge of {$840.00} that was done on my card for XXXX XXXX. I immediately contacted XXXX XXXX letting them know that this was not my charge and that I did not make this transaction. I tried to go get them to tell me how this charge came about and they said they could not help me because the information that I had on file did not match the information used to make the purchase. So I then told them that the reason was because after talking to them I realized I lost my card while in the hotel. I filed the dispute with cash app and they denied it but I dont feel as though they looked into it correctly. this is so unfair and i want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
My credit report shows collection accounts that I believe may be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
Spring Oaks Capital , LLC started reporting XXXX collection accounts to my credit file sometime in XXXX of XXXX. The original reporting date is XXXX of XXXX. According to 15 USC 1692g ( a ), within five days of the initial communication with a consumer, a debt collector must fulfill requirements set forth in 15 USC 1692g ( A ) ( 1-5 ). I never received any initial communication from Spring Oaks Capital , LLC from XX/XX/XXXX to present. This is clearly a direct violation of multiple Federal laws. Under the authority of 15 USC 1692k, I, the consumer, may file a complaint in a Federal or State court of competent jurisdiction for the direct violations, carrying a fine of up to {$1000.00} per, as well as any suffering, loss, or other damages due to these unlawful actions whether or not the loss is monetary in nature. Spring Oaks Capital , LLC never provided any initial notice, or any other communication at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
I closed on my XXXX  XXXX loan XXXX XX/XX/XXXX with XXXX ( CMG FINANCIAL ). I'm a 100 % XXXX veteran and qualify for Virginia 's property tax exemption. I submitted my XXXX  XXXX documentation and my XXXX XXXX tax assessment before XXXX XX/XX/XXXX. I got a reply ( escrow analysis ) on/about XXXX XXXX from CMG FINANCIAL and it was incorrect. I re-engaged, asking for another analysis because their projected taxes, which adversely affects my payment amount, is still wrong. I was told today that the documents I submitted/resubmitted on XXXX XX/XX/XXXX are insufficient and CMG won't clarify further, putting me in the middle. 

Bottom line : CMG FINANCIAL has overcharged us XXXX months so far because our payment includes incorrect property tax escrow information. Because of XXXX 's error and determination not to fix this, every dollar we should be paying toward our principal to reduce our interest burden is instead rolling over into escrow for future refunding. 

This is foul and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

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 rectify these issues. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting inaccurate and unverifiable information on my credit file. The account shows a {$17000.00} charge-off after a repossession, yet no documentation verifies the balance, the repossession details, or the correct Date of First Delinquency. This lack of verification violates the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ). I have already disputed this directly in writing, but the account remains unchanged. This inaction continues to damage my credit profile and financial opportunities. I am requesting that the CFPB ensure a full reinvestigation and require deletion if the furnisher can not produce original, verifiable records.

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 2025-10-08 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: NC

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
XXXX - Under XXXX USC XXXX this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX - Under XXXX USC XXXX this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for noncompliance with federal law.

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