vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-05-19 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I have been trying to contact agencies to retrieve items on credit report and validity of collections agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX & XXXXXXXX XXXX I received multiple phone calls from the following phone numbers : XXXX, XXXX XXXX with the first call coming in at XXXX AM. The call was automated and said : this is credit Karma fraud department needing to verify your identity. Please verify the last 4 digits of your phone number is XXXX by entering the code sent via text to your phone. A text with a code would come through from credit karma with a code and I put the code in and then it disconnected. These phone numbers continued to call my phone for XXXX days and I was not answering again until the XXXX when I answered and put the code in again and it disconnected again. That evening of the XXXX I went to use my card and it wouldn't go through. I logged into my credit karma app to look at my Spend account and saw a transfer had been made that day in the amount of {$720.00} -- {$700.00} transfer & a transfer fee for {$12.00}. When i clicked on the transaction it said it was an instant transfer made to a debit card ending in XXXX. I looked in my instant transfer accounts and saw that the debit card endint in XXXX was listed as a new card on my account and had been added just the day before ( XX/XX/XXXX ). I did not authorize this transfer in any way, nor have I shared my account or card information with anyone. 
I immediately contacted the number on the back of my debit card to report the transaction and file a dispute. The agent i spoke with provided a case # and sent a link where i was to upload a photo of me holding me drivers license and debit card. Which i submitted within XXXX hours of filing the dispute. On XX/XX/XXXX i receieved an email from credit karma stating the dispute was closed and that they believe i authorized the transaction. I contacted their customer support and requested the info that they used to make that decision and appealed the dispute. On XX/XX/XXXX i receivedanother email from credit karma with screen shots of ip history on my account. In the screen shots it is clear that the ip address usedto opennthe account ( mine ) is not the same ip used to attempt multiple logins on the XXXX and XXXX. I recieved another email sayint their decision is still to close the dispute as they feel their decision is appropriate and that i authorized the transaction. I contacted them again stating that it was clear the ip addresses did not match and since the original transfer there has been an attempted transaction for a golf course in XXXX. I live in missouri. I wrote them a letter explaining everything i have provided in this complaint and requested another appeal which they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I found an inaccurate negative item on my credit report.I contacted the creditor, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CBC Companies, Inc.
State: GA

Complaint narrative:
In XXXX XXXX I discovered several accounts on my credit reports that I did not open or authorize. These include accounts from XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX I immediately began contacting the credit reporting agencieXXXX XXXX XXXX XXXX XXXX dispute these accounts as fraudulent. 

I also reached out directly to the creditors. Each one claimed to have completed an investigation and verified the accounts as belonging to me, yet none of them have provided any documentation supporting their conclusionsuch as signed contracts, IP addresses, or applications. I submitted a formal identity theft claim and documentation, including a police report and proof of identity, but the accounts remain on my reports. 

I am now being subjected to collection efforts and credit damage based on accounts I did not authorize. I suspect my credit file may be mixed with another consumers, or I may be a victim of identity theft. Despite repeated disputes and requests for validation, I have received no proper verification from the companies involved. 

I am requesting that the CFPB help facilitate full deletion of these accounts from my credit reports and ensure that any investigations conducted are transparent and documented. I also want to ensure no further collections or reporting occur based on these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Transunion Legal department XXXX. XXXX XXXX XXXX, XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

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 2025-05-19 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: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding a 90-day late payment that was reported on my federal student loan, which I believe is inaccurate and unfair.

The servicer of my loan reported a late payment due to outdated contact and account information on file. I was unaware that my loan had entered repayment, and I did not receive timely notifications due to this incorrect information. Had my correct contact details been used, I would have been able to make my payment on time. Once I became aware of the situation, I immediately addressed it and brought the account current.

This late payment has significantly and negatively impacted my credit score. I believe this mark is unjust because it resulted from a communication failure on the part of the loan servicer, not from a deliberate or negligent action on my part.

I am respectfully requesting that this late payment be removed from my credit report. It does not reflect my intent or ability to repay, and I have otherwise maintained a good payment history.

Thank you for your time and assistance in helping resolve this matter fairly. 

Sincerely, 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 2025-05-19 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KS

Complaint narrative:
On XX/XX/year>, after being XXXX XXXX XXXX XXXX, I discovered over {$15000.00} in unauthorized transactions on my Credit Karma Money XXXX account. My personal belongingsincluding my phone wallet, ID, Social Security card, birth certificate, and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These documents were used to change addresses, phone numbers and gain access within my account I immediately contacted Credit Karma Money customer service to dispute these transactions. Most smaller charges were approved for reimbursement quickly, yet larger ones, including a {$1800.00} transaction, were denied. I was told I " authorized '' this particular charge, which is inaccurateI was hospitalized and had no access to my card or phone. 
Ive since obtained a direct admission from someone involved in the fraud, confirming the card was used without my knowledge or consent. He even provided screenshots of him reaching out to XXXX XXXXnd letting them know of the fraud, however nothing is being done. I submitted this information to Credit Karma Money, but I was told they would not reverse the transaction, and that nothing more could be done. The papers credit karma sent me even directly state that the transaction was made from another person to me ( which could be likely as they had my phone and access to other account including XXXX XXXX XXXX XXXX XXXX XXXX ) however find were subsequently transferred to card not belonging to myself as well as being added to a different account not owned by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUESTED DEBT VALIDATION AND NOTICE OF DISPUTE FROM PORTFOLIO RECOVERY. I DID NOT RECIEVE REQUEST DOCUMENTATION HOWEVER ; MY CREDIT PROFILE WAS UPDATE ON XX/XX/scrub>XXXX XXXX XXXX  STATING OTHERWISE. 

PLEASE SEE ATTACHMENT WITH THE FOLLOW COPIES OF * DATED VALDATION LETTER * COPY OF ID AND SS CARD * COPY OF TRANSUNION RESULTS * CERTIFIED MAILING RECEIPT.

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant stress and anxiety. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-19 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: Kriya Capital, LLC
State: TN

Complaint narrative:
A collection account appeared and its not mine nor do I have any memory of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for 2 Capital One credit cards. I was approved and received the cards in the mail. Upon attempting to activate the card, I was required to verify my identity by uploading a government-issued photo ID and a selfie. I complied with the request, and the documents were accepted.

A few days later, the account was restricted. I was again asked to submit the same ID documents, which I did. Shortly after, the account was restricted again and I was asked to upload not only my ID and selfie again, but also the front and back of my Social Security card.

I complied with all of these requests in good faith, yet Capital One claimed they could not verify my identity, after approving the account, mailing the card, and accepting my documents multiple times.

Despite restricting the account and claiming identity verification could not be completed, Capital One still expects me to make payments on the account. To make matters worse, the account is being reported to credit bureaus, which is damaging my credit score, even though I have no access to the account and did nothing wrong.

This is unethical and may violate KYC ( Know Your Customer ) requirements and the USA PATRIOT Act, which requires identity verification before issuing credit. If they can not verify identity, they should not have opened the account in the first place. Instead, they opened the account, restricted it multiple times, repeatedly requested the same documents, and now claim verification isnt possible while demanding payment and damaging my credit.

What I want Capital One to do : I am requesting that Capital One Complete identity verification and restore access to my account due to my credit score significantly dropping because of this matter or Close the account, discharge the balance, and ensure no negative credit reporting results from this situation, as well as contact the credit bureau to manually report the correct information.

Supporting Documents : I have screenshots and documentation of all identity verification attempts, account status messages, and communications from Capital One and can provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-19 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation