vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute Under FCRA regarding XXXX  XXXX XXXX Account I am writing to formally dispute an account reported on my Experian credit file under the name XXXX  XXXX XXXX. This account does not belong to me and is a result of theft, as supported by the following : 1. FTC Identity Theft Report 2. Local Police Report 3. Victim supplemental financial loss report.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( Section 605B ) : I have the right to block the reporting of any information that results from identity theft.

15 U.S. Code 1681i : You are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable data.

In addition, per FCRA Section 611 ( 15 USC 1681i ) and FCRA Section 605B ( 15 USC 1681c-2 ), upon receiving proof of identity theft ( FTC report and police report ), you are required to remove or block the disputed account within 4 business days.

I request that you take the following actions within 72 hours : 1. Immediately remove or block the XXXX  XXXX XXXX account from my credit file. 
2. Send me written confirmation of the removal.

3. Notify any third parties who accessed my credit report in the last 6 months of the correction ( per FCRA 1681i ( d ) ).

Please consider this letter a formal dispute under the FCRA and a formal complaint for investigation through the CFPB if necessary. If not resolved, I reserve the right to pursue further legal action. 
I am provide you with the following : Copy of FTC Identity Theft Report Copy of Police Report Copy of my driver license. 
Copy of victim supplement financial loss report Social Security number XXXX Thank you

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Complaint Regarding Unjustified Account Closure XXXX XXXX XXXX/Consumer, Best Buy and Wayfair Citi Retail\nDear Consumer Financial Protection Bureau,\n\nI am writing to formally lodge a complaint regarding the unexpected closure of my Citi Reatil account (XXXX XXXX XXXX/Consumer, Best Buy and Citi Retail), issued by Citibank, N.A. On XXXX XXXX XXXX I received a letter from Citi Retail Security Operations stating that my account had been closed as of XXXX XXXX XXXX due to a security investigation.\n\nI believe this closure was unjustified and poorly communicated for the following reasons:\n- I was given no prior notice or opportunity to address any security concerns before the account closure.\n- I was not provided specific details regarding the nature of the security investigation or any potential fraudulent activity.\n- The decision to close my account appears arbitrary, and I was not given a chance to dispute or resolve any issues before this action.\n\nDespite this, I am still responsible for repayment of the outstanding balance, and no clear instructions were given on how to proceed. This abrupt closure has caused unnecessary inconvenience and negatively impacted my financial standing.\n\nI respectfully request the CFPB to review this matter and require financial institutions to provide transparency, proper communication, and fair procedures when closing consumer accounts due to security concerns. Additionally, I seek assistance in understanding the reason behind this closure and determining if any corrective action can be taken.\nI have attached the letter I received from Citi Retail Security Operations for reference. Please let me know if additional information is required.\nThank you for your time and assistance. I appreciate your consideration of my complaintXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 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 2025-05-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-22 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1. Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2. A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3. The names, contact information, and job titles of the individuals who handled my dispute.

4. A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is a fraudulent account, please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/2025, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid datasets that contains the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
We contacted the company on XX/XX/XXXX regarding one of the checks that they asked about and let them know that we are unable to put a stop payment on the check because our bank requires us to wait 90 days before being able to do so -- which puts us at being able to do so around the end ofXX/XX/XXXX/Early XXXX. The rep we spoke to said she spoke to the cashiering department and said they would apply the payment by EOD today and it still has not been applied. I just got off of the phone with them and the rep I spoke to stated that she didn't know why the payment wasn't applied but that they would give me a call back. As of right now, we have also sent 2 more checks to Village Capital and so we just need that missing {$2200.00} check to be applied to our account since we have yet to receive it ( according to them they sent it back on XX/XX/XXXX ; however I was told there was no tracking number so there is no way to verify that what they have stated is accurate ) and we can not place a stop payment on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I.submitted a dispute claim with my bank which is capital one. They told me after 10 business days which was XX/XX/year> I wpuld get my provisional credit. That morning at XXXX XX/XX/year> they put a hold on my account and restricted it and I jahavr {$240.00} in there still. They then told me it would sent to me in 7-10 days that my account was closing. I have been calling everyday amf srill same answer that I have an open claim which has been since middle of XX/XX/year>. I have received no communication from them whatsoever. I need my funds sent to me or released and don't know how else to get them.. please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For two years I've tried to get TransUnion, LLC, to provide proof that my credit acct with them is in fact froze. 

As recently as tonight they have failed to email ( or any means of comms ) confirmation of my acct status. 
XX/XX/XXXXand XX/XX/XXXX, NO problem but TU is a mess. 

Plz help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MA

Complaint narrative:
I had a branded MasterCard credit card from Capital One, for BJ 's Wholesale club purchases, that I was also using for some retail purchases outside of the club. 
I swiped it once in XX/XX/XXXX at a XXXX XXXX XXXX  for 1 single car wash, but XXXX XXXX XXXX in XXXX, MA was charging me {$29.00} every single month since then, until I noticed these changed in XX/XX/XXXX. I provided- this is important- all of information about fraudulent and unauthorized use of my card to Capital One and changed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were canceled by Capital One and credited back to my account. All information I provided was enough to cancel those unauthorized charges for XX/XX/XXXX through XX/XX/XXXX. 
Since changes for XX/XX/XXXX accrued more than 90 days ago and Capital One had a special form for charges older than 90 days, Capital One send me that form and asked me to fill it out. I provided exactly the same information about unauthorized charges as for XX/XX/XXXX through XX/XX/XXXX, where charges from the same merchant for the same non-existent membership I have never signed up for, were canceled based on the information I provided. 
Now Capital One is refusing to cancel the same charge from the same merchant for the same fraudulent transaction for XX/XX/XXXX, claiming that : 1. It was more than 90 days since transaction, BUT they had a special form exactly for that case - a form for transactions older than 90 days! So it is a completely false statement that Capital One is not considering that kind of transaction- they have a for exactly for a case like that.

2. Capital One is claiming in writing that I have not provided enough information in that form for XX/XX/XXXX, so they are not canceling the charge, BUT I provided exactly the same information for XX/XX/XXXX when Capital One is claiming it was not enough, as for XX/XX/XXXX through XX/XX/XXXX when it was more than enough to cancel fraudulent transactions. It just can't be not enough information for XXXX when Capital One is using this argument to deny the dispute, and enough information for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when exactly the same information gained a dispute approval.

Company response to consumer: Closed with explanation