vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit report and noticed I had late payments on my XXXX XXXX XXXX account. It was due to the data breaches and someone hacked into my account and it prevented me from making payments starting in XX/XX/year>. The account has been compromised and I would like for the entire account to be removed and blocked from my credit report because the late payments are preventing me from getting approved for credit. There are also XXXX inquiries that were not authorized by me that need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CBC Companies, Inc.
State: SC

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 2025-08-06 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: ME

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am filing this complaint against Equifax for repeatedly failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 605B, which requires the blocking of fraudulent information within 4 business days upon receipt of an identity theft report and supporting documentation. Despite providing Equifax with six separate FTC identity theft reports, multiple notarized affidavits, and sending disputes via certified mail, Equifax continues to report false and fraudulent accounts and inquiries on my credit report, including accounts I never opened and inquiries I never authorized. This is now my sixth dispute, and their ongoing refusal to correct or block these items constitutes willful noncompliance with federal law, negligent misrepresentation, and a clear pattern of abusive practices. Their actions have caused me repeated denials of credit, financial harm, emotional distress, and constitute unfair, deceptive, and abusive acts under CFPB UDAAP authority. I am demanding immediate enforcement action to compel Equifax to comply with FCRA 605B, remove all fraudulent items, and provide written confirmation of their correction. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called Amex on XX/XX/XXXX about my platinum membership. I asked about if they had any offers for retention. I have been a customer on this card for 10 years since XXXX. They told me know. I asked about the fee and then closing my account if there was no offer. He told me to call back because I could get an offer the next day as it always changes. He said do you want to close the account, I said no not yet but if there isn't a compelling offer I probably will. Then he hung up the line. I immediately called back and got connected to a new person XXXX. She got into my account, and then on the phone with her I received an email that said your account request to have it closed has been successfully submitted. THis was about XXXX minutes later. I immediately told her on the phone I got that email, she said she didn't see it and It was still open. Then she put me on hold, said the request was submitted. I told her I never requested formally to close it, and this was illegally and fraudulently done. She told me " rest assured I promise we will have this resolved and keep your account open but you must call back in 24 hours because the system requires that. '' I told her to annotate and put down all the notes. I called back the next day and my account was closed and the new woman on the phone told me that it is closed, and they won't be re-opening it. She said she would have to research and give me a call back. It has been 6 days and now all the credit agencies are telling me an account was permanently closed. I had about XXXX upcoming Amex points that never made it to my card, and and active dispute case in my favor of {$890.00} dollars that was dated to be resolved today, XX/XX/XXXX. There is a lot of money that I am due and it didn't have a balance. They won't pick up my calls and I have requested a manager to review and call me back to open this back up, as I never requested it be closed formally. They will not help me or assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint against TransUnion for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to conduct an investigation of the disputed items I submitted. 
On XX/XX/year>, I mailed a formal dispute letter to TransUnion, disputing the following negative accounts on my credit report that are reporting inaccurate and inconsistent information : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also disputed the following : Unauthorized inquiry : XXXX XXXX XXXX XXXXXX/XX/year> Incorrect personal information : XXXXXXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX To verify my identity and ensure compliance with FCRA requirements, I included the following documentation in my dispute : A copy of my drivers license A copy of my Social Security card A recent proof of address However, instead of conducting the required reinvestigation, TransUnion responded with a letter dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is unjustified and appears to be a deliberate attempt to avoid their legal duty. I sent my dispute directly, with all required identifying information. Under Section 611 of the FCRA, a credit reporting agency must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of information in their file. By failing to do so, TransUnion has violated my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Im concerned by the presence of these inquiries, which I never authorized. They may signal fraudulent use of my information. Please act quickly. Attached is my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is under a loan Modification and I was advised would not qualify until 3months I have followed this company rules, I am filing a complaint against all three major credit reporting agencies ( TransUnion , Experian , Equifax ) for their mishandling and inconsistent reporting of my mortgage account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report dated XX/XX/year>, shows conflicting and inaccurate information across all bureaus regarding this account : Late payments are reported up to 120 days, even though I am under a partial payment agreement, as confirmed by the account notes. 

The dates of last activity and dispute indicators are not reported consistently. 

The payment history does not match across the three credit bureaus.

I have already sent dispute letters and documentation requesting correction under FCRA 611, but no resolution has been provided.

These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA 607, 611 ) and have negatively impacted my creditworthiness. I request the CFPB investigate and compel the agencies to correct and verify the accuracy of this mortgage account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is under a loan Modification and I was advised would not qualify until 3months I have followed this company rules, I am filing a complaint against all three major credit reporting agencies ( TransUnion , Experian , Equifax ) for their mishandling and inconsistent reporting of my mortgage account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report dated XX/XX/year>, shows conflicting and inaccurate information across all bureaus regarding this account : Late payments are reported up to 120 days, even though I am under a partial payment agreement, as confirmed by the account notes. 

The dates of last activity and dispute indicators are not reported consistently. 

The payment history does not match across the three credit bureaus.

I have already sent dispute letters and documentation requesting correction under FCRA 611, but no resolution has been provided.

These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA 607, 611 ) and have negatively impacted my creditworthiness. I request the CFPB investigate and compel the agencies to correct and verify the accuracy of this mortgage account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unauthorized Bank Account Withdrawals by XXXX via XXXX  On XX/XX/XXXX, XXXX, my apartment management company, through XXXX, withdrew {$1100.00} from my Capital One bank account and {$1100.00} from my XXXX XXXX account without my authorization or prior notice. These transactions were unexpected, and I had no knowledge they would occur. I believe these withdrawals may be related to rent payments for XX/XX/XXXX and XX/XX/XXXX, for which I submitted checks that XXXX never cashed, but I was not informed of any outstanding balance or intent to debit my accounts. 

Capital One refunded the {$1100.00} as part of a fraud claim but emailed me stating they will reclaim these funds on XX/XX/XXXX, to send to XXXX claiming the charge is valid. XXXX has not yet refunded the {$1100.00}, and I am seeking resolution for this amount. Neither XXXX nor XXXX contacted me before initiating these transactions, and I did not consent to having my bank accounts debited. 

I request that the CFPB investigate capital one for unauthorized withdrawals, ensure the return of the {$1100.00} from XXXX, prevent Capital One from reclaiming the {$1100.00},

Company response to consumer: Closed with explanation