vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 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 2025-08-31 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX  Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against EXPERIAN for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against EXPERIAN for violating the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ). 
I previously disputed an account XXXX XXXX XXXX XXXX XXXXXXXX on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from EXPERIAN within the required five business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted EXPERIAN regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that EXPERIAN complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX continues to report late payments on an account that was closed in XX/XX/XXXX with a {$0.00} balance. I disputed this twice ( XX/XX/XXXX and XX/XX/XXXX ) through XXXX, requesting correction or deletion under FCRA XXXX. Each time, XXXX responded verified, no change but failed to provide any documentation of verification as required. Under FCRA 607 ( b ), furnishers must ensure data is accurate and not misleading. Reporting a closed, {$0.00} account as delinquent is inaccurate, misleading, and punitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Against CFPBs Handling of My Dispute Request for Reinvestigation To Whom It May Concern, I am submitting this complaint regarding the inadequate and incomplete investigation conducted in response to my previous dispute. I believe the Consumer Financial Protection Bureau failed to complete a thorough investigation and dismissed critical facts that directly impact the accuracy and legitimacy of the account in question. 

Specifically : No Valid Agreement Exists There is no contract or agreement between myself, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my request, no document has been provided that shows my authorization or consent to this alleged account. 

Failure to Provide Wet Signature and Verification Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to request all information in the consumers file, including application records and signed agreements. I specifically requested a copy of the original contract with my wet signature as verification of this account. No such documentation has been provided.

Failure to Conduct a Reasonable Reinvestigation Under FCRA 611 ( a ) ( 1 ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of disputed information. Closing the dispute without obtaining proof of a signed agreement or full verification does not meet the standard of a reasonable investigation.

Accuracy Obligations Not Met Per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information ( in this case XXXX XXXX XXXX XXXX ) may not report information they know or reasonably should know is inaccurate. Continuing to report an account without producing evidence of my agreement or obligation constitutes a violation of this section. 

It appears the CFPBs initial review was frivolous and superficial, as the most basic elements of verification and validation were overlooked. This reflects a pattern where investigations are closed prematurely without fully addressing consumer concerns. 

I am therefore requesting a full reinvestigation of this matter, with accountability measures to ensure XXXX XXXX XXXX XXXX complies with its obligations under the FCRA. If the company can not produce a signed agreement or proper verification of this account, it must be removed from my credit profile immediately. 

Thank you for your time and for giving this matter the complete review it requires. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CFPB Complaint Draft Issue Category : Credit card or debt Identity theft / fraud mishandled Company : Capital XXXX What Happened I am a victim of identity theft. Capital One is attempting to hold me liable for an account I did not open and from which I received no benefit.

I submitted a valid Identity Theft Report and supporting documentation. Instead of discharging the debt or providing authenticated proof, Capital One responded that it had completed its investigation and found no fraud. However, the company has provided no documentation no signed application, no contracts, no transaction data, or any other admissible records establishing that I opened or used this account.

The account has already been removed from my credit reports, which confirms its disputed nature. Despite this, Capital One continues to assert liability internally. A blanket statement that no fraud was found is insufficient under federal identity theft protections and is harmful to me as a consumer.

What I Am Requesting I request that Capital One be required to : Cease all collection efforts regarding this fraudulent account ; Permanently discharge the balance ; Provide me with written confirmation that I have no liability and that my personal information has been cleared from its internal records ; If Capital One intends to maintain that I am responsible, it must provide authenticated documentation ( original application, signed contracts, or other verifiable records ) substantiating its claim.

Supporting Documents Attached Copy of my Identity Theft Report Copy of Capital Ones denial letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I missed this XXXX payment due to my job reschedule my resuming date is a new job offer which schedule me to start the job on XXXX of XXXX unfortunately they reschedule it till XXXX of XXXX this time around am stuck please and please I need your help am a single mother with XXXX children I still want to keep the house I dont want foreclosure Thanks for all you people that read my complaint for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This is the third time I've had to file a complaint due to Chase being unable to link my Chase account with my XXXX account. The only way I've received my points in the 8 months I've had the card is to file a complaint here. With the complaint there is a temporary solution where Chase deposits my points into XXXX XXXX account and then acts like the points were there already. On my chase account I can not see my rewards points for the XXXX account the way I can with XXXX and XXXX. It says : " We can't display your points right now. 
We're working quickly to fix this. Please check back later. '' It has said this for 8 months. I have requested a refund of the {$95.00} fee that I was charged when I agreed to the Terms of Service. I was told I can not have a refund because of the TOS and because the fee goes toward the benefits of the card. Not being able to use the product without needing to file a claim with the government each time has to be a violation of the TOS on Chase 's end. It seems my {$95.00} is funding someone else 's benefits. 

So again I am requesting the points that I haven't received and for a refund of the {$95.00} that I paid for a product that has not delivered their part of our agreement and also not fixed in 8 months. 

Ironically this card offers purchase protection from everyone but Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: OH

Complaint narrative:
I am submitting this complaint to report widespread violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite providing each credit bureau with my FTC Identity Theft Report ( Report # XXXX ), fraudulent accounts remain on my files at Equifax, TransUnion, and Experian. All three credit reporting agencies have failed to comply with federal law, causing ongoing and severe harm. 

Timeline of Events XX/XX/XXXX 2025 I submitted a formal dispute to Equifax, providing my FTC Identity Theft Report and supporting evidence. 

XX/XX/XXXX2025 Equifax responded that its investigation was complete, yet the fraudulent account remained. 

XX/XX/XXXX, 2025 I resubmitted my dispute to Equifax with updated documentation, including my FTC report. The account is still not removed. 

XX/XX/XXXX2025 I also disputed the fraudulent account with TransUnion and Experian, attaching my FTC Identity Theft Report. To date, both bureaus continue to report this fraudulent account. 



Violations of Federal Law The failure of Equifax, TransUnion, and Experian to remove fraudulent information after being provided with an FTC Identity Theft Report violates multiple provisions of federal law : FCRA 1681c-2 Requires CRAs to block identity theft information upon receipt of an FTC Identity Theft Report.

FCRA 1681e ( b ) Requires credit reports to be maintained with maximum possible accuracy.

FCRA 1681i Requires a reasonable reinvestigation when a consumer disputes an account.

FCRA 1681s-2 ( a ) Prohibits furnishers from knowingly reporting inaccurate information.

FCRA 1681n & 1681o Establish civil liability for willful and negligent noncompliance.

FDCPA 1692g ( a ) Requires timely validation of debts, which was not provided.

Additionally, the charge-off status of the account is misclassified. Under IRS Publication 2021, a charged-off debt is treated as canceled income, not a collectible debt. Reporting such a debt as collectible without issuing Form 1099-C constitutes deceptive financial reporting.

The ongoing inaccurate reporting by all three bureaus has caused severe and repeated damage to my credit score, resulting in the denial of credit, housing, and employment opportunities. Beyond the financial setbacks, this situation has also led to significant XXXX XXXX  and XXXX, as well as wasted time and energy due to my repeated disputes being ignored. 


Supporting Documents Attached : FTC Identity Theft Report ( Report # XXXX, dated XX/XX/XXXX2025 ) Dispute letters to Equifax, TransUnion, and Experian ( with supporting documentation ) Equifax follow-up letter ( dated XX/XX/XXXX/2025 ) Legal references and supporting evidence

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 2025-08-30 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: OH

Complaint narrative:
I am submitting this complaint to report widespread violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite providing each credit bureau with my FTC Identity Theft Report ( Report # XXXX ), fraudulent accounts remain on my files at Equifax, TransUnion, and Experian. All three credit reporting agencies have failed to comply with federal law, causing ongoing and severe harm. 

Timeline of Events XX/XX/XXXX 2025 I submitted a formal dispute to Equifax, providing my FTC Identity Theft Report and supporting evidence. 

XX/XX/XXXX2025 Equifax responded that its investigation was complete, yet the fraudulent account remained. 

XX/XX/XXXX, 2025 I resubmitted my dispute to Equifax with updated documentation, including my FTC report. The account is still not removed. 

XX/XX/XXXX2025 I also disputed the fraudulent account with TransUnion and Experian, attaching my FTC Identity Theft Report. To date, both bureaus continue to report this fraudulent account. 



Violations of Federal Law The failure of Equifax, TransUnion, and Experian to remove fraudulent information after being provided with an FTC Identity Theft Report violates multiple provisions of federal law : FCRA 1681c-2 Requires CRAs to block identity theft information upon receipt of an FTC Identity Theft Report.

FCRA 1681e ( b ) Requires credit reports to be maintained with maximum possible accuracy.

FCRA 1681i Requires a reasonable reinvestigation when a consumer disputes an account.

FCRA 1681s-2 ( a ) Prohibits furnishers from knowingly reporting inaccurate information.

FCRA 1681n & 1681o Establish civil liability for willful and negligent noncompliance.

FDCPA 1692g ( a ) Requires timely validation of debts, which was not provided.

Additionally, the charge-off status of the account is misclassified. Under IRS Publication 2021, a charged-off debt is treated as canceled income, not a collectible debt. Reporting such a debt as collectible without issuing Form 1099-C constitutes deceptive financial reporting.

The ongoing inaccurate reporting by all three bureaus has caused severe and repeated damage to my credit score, resulting in the denial of credit, housing, and employment opportunities. Beyond the financial setbacks, this situation has also led to significant XXXX XXXX  and XXXX, as well as wasted time and energy due to my repeated disputes being ignored. 


Supporting Documents Attached : FTC Identity Theft Report ( Report # XXXX, dated XX/XX/XXXX2025 ) Dispute letters to Equifax, TransUnion, and Experian ( with supporting documentation ) Equifax follow-up letter ( dated XX/XX/XXXX/2025 ) Legal references and supporting evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Company ( ies ) : XXXX XXXX XXXX and Synchrony Bank Product/Issue : Credit Account - Billing disputes, interest rates, and fees Details : PayPal/Synchrony charged me improper returned-payment fees on XX/XX/year> and XX/XX/year> by rerouting payments. Payments that should have debited my XXXX bank account were instead applied against my XXXX balance without authorization, draining funds and causing my credit card payment to be rejected so a fee could be assessed. 

On XX/XX/year>, I attempted to pay {$3200.00} from my fully verified XXXX XXXX XXXX account, which had $ XXXX available. XXXX rejected the payment under false " verification issues '' and still charged a fee, even though the account had been verified by XXXX small deposits and a withdraw. 

On XX/XX/year>, I spent over XXXX minutes in XXXX customer service chat, including escalation to a XXXX. Despite acknowledging the issue, they stated they could not reverse the fees. XXXX also does not provide a clear process for customers to file formal complaints, leaving me with no internal resolution. 

Separately, Synchrony Bank is charging me 30 % interest on my credit balance, which is predatory and compounds the harm caused by the above practices.

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