vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I traveled to XXXX XXXX from California and stayed at a hotel for the night of XX/XX/XXXX. I used my capital one credit card to book the stay through capital one 's travel portal. I also paid resort fee and early check-in fee at the front desk of the hotel with my physical credit card, which all went smoothly. 

However, my credit card was billed {$540.00} ( my original stay cost roughly {$150.00} which I already paid off at check-in ) on XX/XX/XXXX by the same hotel. I called the hotel to inquire about it and they provided the name of the guest for that XX/XX/XXXX stay which didn't ring a bell for me. The hotel representative I spoke with on the call suggested that I contacted my credit card issuer as this might have been credit card fraud, and I did as suggested. 

Capital One sent me a letter a few days after my dispute, claiming that there was no evidence of fraud on this transaction and I benefited from the case. I contacted them on the phone again and they said I could provide more documents to support my argument but that it would unlikely change the result. They also claimed that my physical card was presented at the hotel while the XX/XX/XXXX transaction was made, which couldn't be true because I had possession of the card this whole time and I hadn't set foot in Nevada since XX/XX/XXXX. I could even provide evidence of myself with the card being in California during the transaction was made. Moreover, if Capital One cared enough to check the signature for the XX/XX/XXXX transaction it would be obvious that it didn't match my real signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I am submitting this formal complaint against all three major credit reporting agencies : Experian, Equifax, and TransUnion. 

I have recently and formally submitted written disputes to each of these credit bureaus regarding inaccurate and unauthorized information appearing on my consumer credit reports. Specifically, this concerns an account listed under the name of XXXX XXXX, which inaccurately reflects late payments. 

These late payments were reported without my knowledge, consent, or authorization, which I believe constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have not agreed to or acknowledged these derogatory marks, and they are harming my credit profile unjustly. 

Despite submitting my disputes and providing the necessary documentation, it has now been over 30 to 45 days since I first contacted each bureau, and none of them have provided a resolution or corrected the error.

Under the FCRA, a credit reporting agency is required to investigate and respond to a consumer 's dispute within 30 to 45 days. If the information in question can not be verified or is not addressed within this timeframe, it must be removed or deleted from the consumers report immediately. Their failure to comply with this legal requirement further violates federal consumer protection laws.

I am requesting the CFPB to intervene and ensure that these credit bureaus remove the unauthorized and inaccurate late payment information associated with the XXXX XXXX account from my credit reports without further delay. 

Thank you for your time and attention to this matter.

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 2025-06-23 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
A company by the name XXXX XXXX World Acceptance Corporation is reporting improper information to my credit reports.. They are reporting late payments to an account that was closed over XXXX years ago. This seems to be purposely done to ruin my credit.. I have tried multiple to fix the issue but nothing has been done about it..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of a XXXX XXXX  account XXXX an account number beginning with XXXX, which I categorically affirm was opened as a result of fraud and identity theft. This account does not belong to me, and I request its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

XXXX years ago, I submitted a written request to XXXX XXXX, which provided a formal letter acknowledging that this account is not associated with my identity. Despite this, the account intermittently appears on your agencys reports, only to be removed and then reappear, indicating ongoing reporting inaccuracies and possible systemic errors. 
Under the FCRA, consumers possess the right to dispute inaccurate, incomplete, or unverifiable information and to have such information corrected or removed within 30 days of receipt of a formal dispute. [ 15 U.S. Code 1681i ( a ) - ( c ) ] Specifically, the law mandates the deletion of unverifiable information and the obligation of credit bureaus to conduct a thorough investigation when disputes are raised. 

Furthermore, the XXXX of the United States has recognized the importance of protecting consumers from identity theft, which is a crime that damages your consumers financial reputation and creditworthiness. I am invoking my rights under the FCRA to demand the immediate removal of any and all reporting related to this fraudulent XXXX Bank account. 

Also there is an inquiry from XXXX XXXX that was made on XX/XX/year> that was not me please remove that inquiry as well. I have no accounts with that bank.

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 2025-06-21 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:
To Whom It May Concern, I am filing this formal complaint against Equifax for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Equifax has negligently and willfully failed in its obligations to ensure the maximum possible accuracy of the information they are reporting in my credit file. The issues outlined below involve a fraudulent address, unauthorized inquiries, and non-compliance with federal law.

1. Wrong Address Reporting Incorrect Address Listed : XXXX XXXX XXXX XXXX, XXXX, AE XXXX I have never lived at, used, or been affiliated with this address at any point in my life. Its presence on my credit report is a clear indication of mixed or merged file, and has caused me significant confusion and potential harm.

Violation of FCRA : 15 U.S. Code 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy.

15 U.S. Code 1681i ( a ) : Mandates CRAs to investigate and delete any inaccurate or unverifiable information after a consumer dispute.

15 U.S. Code 1681c ( f ) : CRAs must not include addresses that are clearly unrelated to the consumer. 
XXXX. Unauthorized Inquiry Creditor/Agency : XXXX  Date of Inquiry : XX/XX/year> Issue : I did not authorize or initiate this inquiry. This is a hard inquiry that negatively affects my credit score and was made without my knowledge or consent.

Violation of FCRA : 15 U.S. Code 1681b ( c ) : Permits hard inquiries only with consumer authorization or permissible purpose. No permissible purpose existed in this case.

15 U.S. Code 1681b ( f ) : Entities obtaining a credit report without a permissible purpose are in violation of the law.

Harm Suffered Due to these violations, I have suffered the following : Emotional distress from fraudulent and misleading data on my report.

Denial of credit opportunities due to the presence of unauthorized inquiries and inaccurate address.

Potential risk of identity confusion or theft resulting from merged file errors.

Requested Resolution 1. Immediate deletion of the incorrect address XXXX XXXX XXXX XXXX XXXX  AE XXXX from my credit file. 
XXXX. Immediate removal of the unauthorized XXXX inquiry dated XX/XX/year>. 
XXXX. A full reinvestigation under the FCRA guidelines with written proof of verification or immediate deletion. 
XXXX. XXXX that such violations will not continue in the future.

Final Notice Equifax has a legal responsibility to maintain accurate information. Their failure to remove inaccurate data upon dispute may be interpreted as willful non-compliance, as defined under 15 U.S. Code 1681n and 1681o, and subject to statutory damages, punitive damages, and attorneys fees. If unresolved, I reserve the right to seek legal counsel and pursue further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have filed multiple formal complaints against Ally Bank regarding a disputed auto loan. I previously submitted complaint IDs XXXX and XXXX with the CFPB. Despite these efforts, Ally has failed to provide validation of debt, a sworn affidavit, or any lawful response to my administrative notices. 

I requested : Original signed contract Full accounting XXXX XXXX XXXX XXXX of the agent attempting enforcement To date, Ally Bank continues billing without providing this information. They have not rebutted or cured their default and remain in dishonor under UCC 1-308. The issue remains unresolved, and I reserve all rights.

This submission reaffirms that no settlement has been reached. I am prepared to escalate through legal representation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint because Equifax is reporting a Chapter XXXX bankruptcy with multiple inaccuracies : 1.Filing date is incorrect ( shows XX/XX/year>, but court shows XX/XX/year> ) 2.Discharge date is missing 3.Court name is listed only as Federal, which is vague and unverifiable These errors make the public record incomplete and misleading, in violation of the FCRA. I have previously disputed this with no correction. I am requesting removal if Equifax can not fully verify and correct this information with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Equifax regarding an account reported by XXXX XXXX XXXX. I requested verification of the reported balance, the alleged repossession, and documentation to justify the monthly delinquency reporting that has been continued for over XXXX years after the account was closed. 

Shockingly, Equifax marked the dispute as both completed and verified on XX/XX/XXXX, XXXX very same day it was submitted. This raises serious concerns about whether a proper reinvestigation was conducted under FCRA 611 ( 15 U.S.C. 1681i ). There is no indication that Equifax reached out to the furnisher for supporting documentation or conducted a meaningful review. 

The account in question continues to report as active delinquent XXXX XXXX XXXX XXXX every month, even though the vehicle was reported reposted in XXXX. This is misleading, damaging, and inconsistent with the FCRAs requirement to maintain accurate, current information. I was never provided documentation verifying how the balance was calculated, whether the vehicle was sold, or proof that I was ever notified about a delinquency. 

I am currently trying to buy a home for my family, and this inaccurate account is actively hurting my chances of qualifying for a mortgage - even thought this debt is from XXXX. Ive worked hard to rebuild, and this feels like XXXX being penalized over and over again. 

I am requesting that the CFPB conduct a full investigation into XXXX dispute handling process and require XXXX XXXX XXXX to produce the proper documentation. If they can not verify this information with actual records- not automated responses - this account should be deleted immediately. I just want a fair shot to move forward and provide stability for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I recv XXXX voice mail from an unknown number. It stated I needed to contact a XXXX XXXX in reference to a complaint that was forwarded to this office. The voice mail stated my home address. They stated I needed to respond in a timely manner to discuss options to settle a case with the firm. They left a reference number XXXX. 
I called the number they left on the voice mail XXXX. A man answered asked me who I was. Gave him the reference numberput me on hold. Asked my date of XXXX just confirmed the year. He stated that I was being sued and being served a summons for an outstanding debt from chase bank. I advised I didnt not have a chase card in bad standinghe cut me off XXXX said that I might know them as XXXX that I claims bankruptcy twice and accused me of this being an habit. I asked when this supposed debt occurred he responded with XXXX? I said what? That was over 15 years ago. He became nasty rude XXXX condescending towards me. I asked the name of the company he reused. Told me to pay it. I ended the call. Shortly after I get a call from my elderly mother in law that this company called her XXXX threatened me to her. I was dry upset. She lives in XXXX  XXXX way should they ever contacted her as I never ever used her as a reference. They looked up my last name XXXX called anyone they thought was related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XX/XX/year>

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 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
I took a loan out before comfirming i called in to there support line to ask if i could pay the loan off sooner and how much the lady over the phone said XXXX i said okay then i will proceed now there saying i owe XXXX $ for a XXXX i burrowed i was underdress when i made this loan also i never new how much i would have to pay back that why i called before doing it .thus is excessive and i would like it to stop immediately it is now making it harder for me to keep my living arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Violation of 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute and demand the investigation and removal of unauthorized credit inquiries that appear on my consumer credit file. These inquiries were not authorized by me, nor were they the result of any credit application or transaction initiated by me.

According to 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report if the entity accessing the report has a permissible purpose, such as the consumer applying for credit or providing written consent. I have not provided such authorization to the companies listed below : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 unauthorized inquiries may have occurred in error or as the result of potential identity theft. Regardless of cause, their presence on my report is unlawful without proper authorization and violates FCRA provisions. Furthermore, 15 U.S. Code 1681n holds any party liable for willful noncompliance with the FCRA, including actual damages, statutory damages, and possible punitive damages.

I am demanding that the following actions be taken immediately : Conduct a formal investigation into the source and legitimacy of these inquiries.

Remove any unauthorized or unverifiable inquiries from my credit report.

Provide written confirmation that these inquiries have been deleted or a documented justification proving they were made with a permissible purpose under 15 U.S. Code 1681b.

This letter serves as a formal dispute in accordance with the Fair Credit Reporting Act. Please respond with the results of your investigation within the 30-day time frame required by law. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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