vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Request for Dispute and Deletion of Unauthorized Accounts To Whom It May Concern : I am writing to formally dispute and request the deletion of unauthorized and inaccurately reported accounts on my credit file. These accounts were opened and reported without my consent or authorization, and continue to negatively affect my credit history. 

Accounts in question ( unauthorized and improperly reported ) : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX  XXXX XXXX XXXX  XXXX ( unauthorized debit/credit card and checking account ) XXXX I did not initiate, authorize, or benefit from any of these accounts. To begin resolving these issues, I sent dispute and verification letters on XX/XX/year> to TransUnion, Equifax, Experian, XXXX, and XXXX. As of todays date, TransUnion, Equifax, Experian, XXXX, and XXXX have not removed the disputed accounts, despite receiving the required supporting documentation. XXXX has class action lawsuit. i also requested transunion, equifax, and experian to remove from credit report and delete accounts. I am requesting assignment of contract, bill of sale from original creditor with identifying account details, account-level documentation ( signed contract, statements, charge off details ), proof of licensing and bonding to collet in my state, full breakdown of how the balance was calculated ( principal, interest, fees ), flow agreement, ownership of debt, and transfer assignment. 

In addition, I was issued a debit/credit, card tied to an unauthorized checking account by XXXX. I contacted XXXX Fraud Department and requested written confirmation that this matter was addressed and resolved. As of XX/XX/year>, I have not received any written response from XXXX. 

I respectfully request that the Consumer Financial Protection Bureau take the following actions : Assist in the deletion of the above unauthorized accounts from all consumer reporting agencies. 

Ensure that the credit bureaus and creditors are held accountable for their failure to take appropriate action. 

Obtain confirmation from XXXX regarding their investigation and resolution of the fraudulent account.

Provide written notice of the outcome of this co

mplaint and any corrective action taken. Enclosures include : A copy of my government-issued ID Proof of curre
nt address Copies of all dispute letters sent to credit bureaus Thank you for your attention to this matter. I look forward to your assistance in correcting these unauthorized entries and restoring the accuracy of my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Request for Dispute and Deletion of Unauthorized Accounts To Whom It May Concern : I am writing to formally dispute and request the deletion of unauthorized and inaccurately reported accounts on my credit file. These accounts were opened and reported without my consent or authorization, and continue to negatively affect my credit history. 

Accounts in question ( unauthorized and improperly reported ) : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX  XXXX XXXX XXXX  XXXX ( unauthorized debit/credit card and checking account ) XXXX I did not initiate, authorize, or benefit from any of these accounts. To begin resolving these issues, I sent dispute and verification letters on XX/XX/year> to TransUnion, Equifax, Experian, XXXX, and XXXX. As of todays date, TransUnion, Equifax, Experian, XXXX, and XXXX have not removed the disputed accounts, despite receiving the required supporting documentation. XXXX has class action lawsuit. i also requested transunion, equifax, and experian to remove from credit report and delete accounts. I am requesting assignment of contract, bill of sale from original creditor with identifying account details, account-level documentation ( signed contract, statements, charge off details ), proof of licensing and bonding to collet in my state, full breakdown of how the balance was calculated ( principal, interest, fees ), flow agreement, ownership of debt, and transfer assignment. 

In addition, I was issued a debit/credit, card tied to an unauthorized checking account by XXXX. I contacted XXXX Fraud Department and requested written confirmation that this matter was addressed and resolved. As of XX/XX/year>, I have not received any written response from XXXX. 

I respectfully request that the Consumer Financial Protection Bureau take the following actions : Assist in the deletion of the above unauthorized accounts from all consumer reporting agencies. 

Ensure that the credit bureaus and creditors are held accountable for their failure to take appropriate action. 

Obtain confirmation from XXXX regarding their investigation and resolution of the fraudulent account.

Provide written notice of the outcome of this co

mplaint and any corrective action taken. Enclosures include : A copy of my government-issued ID Proof of curre
nt address Copies of all dispute letters sent to credit bureaus Thank you for your attention to this matter. I look forward to your assistance in correcting these unauthorized entries and restoring the accuracy of my credit profile. 

Sincerely, 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX 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 2025-07-22 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:
In XX/XX/year>, I checked my credit report and discovered several accounts that I did not open or authorize. These included collection accounts and a credit card that were added without my knowledge. I filed a police report with the XXXX Police Department ( Report # : XXXX ) and identified these accounts as fraudulent. I did not apply for or benefit from these debts, and I believe my identity was used by someone else without my consent. Despite my efforts to dispute these accounts with the credit bureaus, they remain on my credit file, damaging my creditworthiness. This has impacted my ability to obtain credit and caused emotional and financial stress. I am submitting this complaint to request the full removal of all fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
In XX/XX/year>, I checked my credit report and discovered several accounts that I did not open or authorize. These included collection accounts and a credit card that were added without my knowledge. I filed a police report with the XXXX Police Department ( Report # : XXXX ) and identified these accounts as fraudulent. I did not apply for or benefit from these debts, and I believe my identity was used by someone else without my consent. Despite my efforts to dispute these accounts with the credit bureaus, they remain on my credit file, damaging my creditworthiness. This has impacted my ability to obtain credit and caused emotional and financial stress. I am submitting this complaint to request the full removal of all fraudulent accounts.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a Fidelity Rewards Visa card mid XXXX and was approved on XX/XX/year>. Elan XXXX XXXX is the creditor and issues the credit card. I was offered 18 months interest free on purchases in an ad I received throught the mail. I followed the instructions listed on the ad and went to that link to apply. Couple months later I noticed I was being charged interest and no such offer was applied to the account. This was the only reason why I applied for the credit card. I discarded the ad as I have never had an issue with a company not following through on what they were offering. I have read on numerous online posts that the same thing has happened to them. I contacted them and they said they could do nothing without the code from the ad.

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 monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dispute of Fraudulent Capital One Account and Request to Cease Wage Garnishment I am writing to formally dispute a Capital One account that was fraudulently opened in my name and to request the immediate termination of any wage garnishment or related enforcement actions associated with this account. 

The account in question, opened in or around XX/XX/XXXX, was not authorized by me. I only became aware of its existence when I reviewed my credit report in XX/XX/XXXX. Since then, I have taken the following actions to report and document this identity theft : Filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report No. XXXX ) Filed a police report and completed an Identity Theft Affidavit ( IDTA ) on XX/XX/XXXX These documents, along with any additional supporting evidence, are available upon request. 

As a single mother of XXXX XXXX  children, I currently earn approximately {$1300.00} per month, which is entirely used for essential living expenses such as rent, food, and transportation. The wage garnishment resulting from this fraudulent account severely jeopardizes my ability to provide for my children. I respectfully request that you review the evidence provided and immediately withdraw the judgment or cease garnishment proceedings while the matter is under legal review. 

I did not open this Capital One account. I did not authorize its use, nor have I benefited from it in any way. I am a victim of identity theft and should not be held financially responsible for this fraudulent debt. 

Please acknowledge receipt of this letter and inform me of the steps you will take to resolve this issue. I am prepared to cooperate fully and provide any further documentation you require. 

Thank you for your attention to this urgent and distressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinme Holdings, Inc.
State: OR

Complaint narrative:
On or about XX/XX/XXXX and continuing through until XX/XX/XXXX, someone accessed my Coinme account and sent themselves {$3200.00} from my XXXX checking account. This was a series of transactions ranging from {$200.00} to {$500.00}. The bitcoin wallet address is XXXX but this is apparently not traceable. 

XXXX XXXX Department did a claims investigation, and they claim they can't determine if the transactions were fraudulent or not because on the XXXX, I had used this account to make a legitimate transaction. There is a very clear line when I made legitimate transactions and when the fraudulent charges were made. XXXX claims there is nothing they can do to help me. 

I contacted Coinme fraud department, and their representative wasn't interested in the least and told me there was nothing they could do and the bitcoin wallet address was untraceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially unlawful credit reporting practices that violate my rights under the Fair Credit Reporting Act ( FCRA ). 
I am submitting this complaint regarding inaccurate and potentially unlawful credit reporting practices related to the following account : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> FTC Complaint No. : XXXX This account is being reported as charged-off, despite a {$0.00} balance and closed status, which I believe is inaccurate, misleading, and non-compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX reporting standards. 
Despite my efforts to dispute this information directly with the credit bureau, the matter remains unresolved, and I believe my rights as a consumer have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one quick silver XXXX. Paid card with a second/household account I have had listed on te account. Paid XXXX towards a XXXX charge for garage door repair. They will only say its policy to verify and will not explain why they are discriminating against an XXXX XXXX XXXX woman. They want to do a XXXX way call with my bank to verify my accounts. Charges cleared account on XX/XX/year>. They have restricted entire card usage until I allow them to call my bank. The statement had not even cut off when payment was made. They are treating customers unfairly. Not telling the full story and discriminating against me. They even lowered my credit limit last year from XXXX to XXXX and said it was because I did not use my card enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CT

Complaint narrative:
This is not a mistaken complaint. My credit report contains serious inaccuracies that clearly fail to meet the required legal standard of maximum possible accuracy. These errors are placing a heavy and ongoing burden on my financial well-being and personal life. 
The emotional and financial strain caused by these inaccuracies is unacceptable. I am urgently requesting that you conduct a thorough reinvestigation. If any of the reported information can not be fully verified as accurate and rightfully attributed to me,

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 2025-07-22 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
unable to open accounts identity was bought and or sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-23 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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