vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I, XXXX XXXX, am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts currently appearing on my credit report. The accounts in question are with XXXX and Capital One credit card companies. I have been incarcerated for the past twenty-five years and did not authorize these accounts. These accounts do not belong to me and are negatively impacting my creditworthiness, which is hindering my ability to obtain a mortgage and affecting my overall well-being.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to dispute inaccurate, incomplete, or fraudulent information on their credit reports. Credit reporting agencies are legally required to investigate disputed items within 30 days and to promptly remove any information found to be false or unverified. Since these accounts are fraudulent and unauthorized, I request their immediate removal from my credit report pursuant to my rights under the FCRA. 

Please take immediate action to delete these fraudulent accounts from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDICO. INC
State: SD

Complaint narrative:
I called Credit Collection Bureau on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX and spoke to XXXX XXXX XXXX I asked for an affordable payment place. He stated that he could only split my medical debt balance into XXXX payments which is not an affordable option for me. He stated that they have already sued me and that if I didn't comply he would contact my work immediately after hanging up the phone with me and have the balance paid in full from my next paycheck. After stress and tears he agreed to split the payment up into 6 monthly payments. Later in the evening when my stress levels calmed down I realized he couldn't call my work and request wage garnishments from my next payroll. Half of the balance is due to a different medical provider and the agency doesn't have a judgement for that provider and there has not been a court order authorizing wage garnishments. I was scared by the information he was telling me and acted in fear and XXXX  and now realizing I only had around {$700.00} even close to wage garnishment but still had multiple steps that would need to be taken before they could actually request it from my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a {$970.00} XXXX XXXX money order into my Chase account after selling my computer to a buyer on XXXX XXXX. Chase made the funds available, so I believed the money order had cleared. I gave the buyer the computer. A few days later, Chase reversed the deposit, claiming the money order was fraudulent. 

I called Chase, and over the phone, they told me the money order was deemed fraudulent, but I received no written explanation. I have also contacted XXXX XXXX, and they confirmed the money order only had {$1.00} of actual value, despite showing {$970.00}. 

Ive attached a screenshot showing when the funds were deposited, marked available, and then removed. I believe Chase should not have made the funds accessible until the money order was verified. Because I relied on the banks system, I lost both the money and my computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2025-05-15 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, portfolio Account # : XXXX * * * * date opened XX/XX/XXXX bal. {$680.00}, XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX bal. {$1600.00}, XXXX Account # XXXXXXXX XXXX XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$680.00}. Inquiries : XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 am filing a complaint to dispute the following items in my credit report as provided to me by your agency. I am a consumer with rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute inaccurate, incomplete, or unverifiable information reported in my credit file. 
Upon reviewing my credit report, I found the following items to be in error and am requesting that you initiate an investigation into each of them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I believe the account is invalid. ALDOUS ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.ALDOUS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-15 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:
Subjet : Dispute of Inaccurate Information on Credit Report Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate and unresolved credit reporting issues related to my XXXX XXXX XXXXXXXX account, as shown in the attached documentation. The account was closed in good standing, but with so many discrepancy in the three different credit bureaus. Equifax accurately reflects this showing only 120 days of late payments in different dates. Moreover, Experian and TransUnion continue to report incorrect information, including many late payments with different daates and amounts. This issue originated during the XXXX pandemic when I experienced financial challenges due to the economic impact of the crisis. As a result, I encountered late payments on my account during XXXX and XXXX. However, these late payments were supposed to be protected under the CARES Act provisions, which offer protections for consumers impacted by XXXX. Additionally, I have disputed this inaccurate information more than 10 times with TransUnion, Equifax and Experian since XX/XX/XXXX, but each time, my disputes have been returned without any changes. The reporting by The three of them are clearly inconsistent and so many erros which reflects the account as paid and closed and other reflects open.

The following are the key inaccuracies on the TransUnion, Equifax and Experian reports : 1. Many late payments are reported incorrectly dates, amounts and status.

2. Dispute history : The account has been in dispute for over a year, yet no meaningful investigation or corrections have been made. 3. Inconsistent account status : Equifax reflects open account, while TransUnion and Experian do not.

Violations of the FCRA and TILA According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate reporting of credit information, and furnishers of credit data have a legal obligation to investigate and correct inaccuracies once they are brought to their attention. TransUnion, Equifax and Experian 's failure to correct these inaccuracies violates my rights under the FCRA. Moreover, under the Truth in Lending Act ( TILA ), creditors must provide accurate information regarding payment histories and account statuses.

This failure to correct the payment history is a violation of TILAs provisions on accurate reporting and disclosure.

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 2025-05-15 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:
Subjet : Dispute of Inaccurate Information on Credit Report Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate and unresolved credit reporting issues related to my XXXX XXXX XXXXXXXX account, as shown in the attached documentation. The account was closed in good standing, but with so many discrepancy in the three different credit bureaus. Equifax accurately reflects this showing only 120 days of late payments in different dates. Moreover, Experian and TransUnion continue to report incorrect information, including many late payments with different daates and amounts. This issue originated during the XXXX pandemic when I experienced financial challenges due to the economic impact of the crisis. As a result, I encountered late payments on my account during XXXX and XXXX. However, these late payments were supposed to be protected under the CARES Act provisions, which offer protections for consumers impacted by XXXX. Additionally, I have disputed this inaccurate information more than 10 times with TransUnion, Equifax and Experian since XX/XX/XXXX, but each time, my disputes have been returned without any changes. The reporting by The three of them are clearly inconsistent and so many erros which reflects the account as paid and closed and other reflects open.

The following are the key inaccuracies on the TransUnion, Equifax and Experian reports : 1. Many late payments are reported incorrectly dates, amounts and status.

2. Dispute history : The account has been in dispute for over a year, yet no meaningful investigation or corrections have been made. 3. Inconsistent account status : Equifax reflects open account, while TransUnion and Experian do not.

Violations of the FCRA and TILA According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate reporting of credit information, and furnishers of credit data have a legal obligation to investigate and correct inaccuracies once they are brought to their attention. TransUnion, Equifax and Experian 's failure to correct these inaccuracies violates my rights under the FCRA. Moreover, under the Truth in Lending Act ( TILA ), creditors must provide accurate information regarding payment histories and account statuses.

This failure to correct the payment history is a violation of TILAs provisions on accurate reporting and disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  Account # : XXXXXXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquires : 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 resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request the immediate removal of a bankruptcy entry from my credit report under 15 USC 1681c. 
The bankruptcy in question is XXXX. Pease be advised that bankruptcy courts do not report information directly to credit bureaus. Therefore, this bankruptcy entry is inaccurately reflected on my credit report and needs to be removed. 
Please update my credit report to reflect this correction and provide me with written confirmation once the removal has been processed. 
Thank you for your prompt attention to this matter. If you require any additional information, please contact me at the address or phone number provided above.

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