vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: CO

Complaint narrative:
This filing a complaint serves as a formal second request to dispute the following information that continues to appear on my credit report despite my prior written request for an investigation under the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I previously submitted a dispute regarding the following account ( XXXX ), and to date, the inaccurate or unverifiable information remains : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8100.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NJ

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove these fraudulent accounts from my report immediately.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
Telecheck is declining my XXXX purchases and is giving me no reason as well as no way to rectify the situation. I have been making purchases on XXXX with my checking account for over XXXX  years. My person information has not changed since XX/XX/year>. I have more than enough money in my account. There is no reason they should suddenly start declining my purchases. Because these are electronic purchases and not an actual check, I do not have check number. When I call or go on their website to request information as to why I'm being declined, i'm unable to talk to anyone or submit my online request without XXXX. This is has been going on since XX/XX/XXXX, and I've reached my breaking point. It is absolutely unacceptable that they can decline important purchases without giving me anyway to contact them to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NV

Complaint narrative:
XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Nv XXXX [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Under FCRA Dear Equifax and Experian, I am writing to formally dispute inaccurate information on my credit report, which I believe is a result of the XXXX Equifax data breach that compromised the personal information of approximately XXXX XXXXn U.S. consumers, including Social Security numbers, birth dates, and addresses. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate the following items and remove any information that can not be verified : XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX number XXXX In support of my dispute, I have enclosed copies of relevant documents, including : [ You are including identity theft affidavits } Please conduct a thorough investigation of these items and provide me with the results of your findings. If you find that the information is indeed inaccurate or can not be verified, please remove it from my credit report. 

Additionally, I request that you provide me with a free copy of my updated credit report, reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Product : Personal Loan ( Unsecured ) Issue : Charged-off debt / Identity theft dispute ignored Sub-Issue : No debt validation, charge-off without lawful notice Account Number : XXXX Summary of Complaint : USAA reports a personal loan opened XX/XX/XXXX, now charged off with a balance of {$6200.00}. The account reflects XXXX consecutive months of delinquency and is still marked " past due '' as of XX/XX/XXXX. However, I never authorized this loan and was never provided a contract, itemized statement, or billing record. 

I have also submitted an identity theft alert and placed a fraud statement with Experian, but the account remains active on my report. I never received any disclosures, nor was I contacted by USAA to verify the account or notify me of a charge-off.

Violations Include : FCRA 605B Failure to block disputed fraudulent tradeline FCRA 1681g Failure to provide all information in file upon request TILA Failure to issue statements or account disclosures FDCPA If assigned or sold, no debt validation was ever provided Discrepancies : No billing records or signed loan documents Charge-off reported without prior notice Failure to validate or investigate fraud despite notice

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 2025-05-26 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: Experian Information Solutions Inc.
State: OH

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, the CFPB sued Experian 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 XXXX XXXX XXXXXXXX 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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am reporting a fraudulent credit card tradeline furnished by Bank of America in the amount of {$830.00} and marked as charged off. This account does not belong to me and is the result of identity theft. I submitted a full identity theft affidavit, government-issued ID, and a formal FCRA 605B request for deletion to both Bank of America and XXXX.

Despite this, the account remains verified without legitimate investigation or proof. I have received no contract, no itemized billing statement, no license to collect, or any legally sufficient response to my identity theft documentation. Under FCRA 605B, once a valid identity theft report is submitted, the account must be permanently blocked from appearing on my consumer file unless the furnisher provides affirmative proof of accuracy, which has not occurred. 

XXXX  responded with a generic denial without evidence, and Bank of America has failed to validate or investigate. Ive filed complaints with several Attorney General offices and sent certified mail with all documentation, but Ive received no lawful justification for continued reporting. 

This is a willful violation of federal consumer protection laws, and I am requesting full deletion of this account and confirmation of such action. Continued reporting constitutes negligent or intentional defamation under FCRA 1681n and 1681o.

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 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX XXXX XXXX I made an online order through the XXXX app for pick-up at the local XXXX store XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX When I submitted the order my bank, Capital One, sent me a notification that my account was debited by XXXX in the amount of {$250.00}. 
I picked up the order a little after XXXX p.m. the same day. As soon as the order was picked up I received a notification from my bank that my account was debited by XXXX again in the amount of {$250.00}. I checked my bank account and confirmed a second charge was debited from my account balance. I called XXXX XXXX very upset and they refused to address the issue and ultimately putting me on hold for several minutes and never returned to the call. I called Capital One and they confirmed both charges were pending so they could not file a dispute but both charges did pull from my accounts balance. I called the local store and the manager said he couldn't do anything but I could return the 83 items for a refund of one of the charges. 
The next day, XXXX XXXX XXXX, my account was debited yet again in the amount of {$230.00}, which is my final total after some items were unavailable. As of Sunday XXXX XXXX XXXX {$750.00} has been debited from my bank account 's balance for a {$230.00} grocery order. This has created an extreme financial stain on my family as we wait for Capital One or XXXX to resolve this issue. XXXX should not have the capability to pull more than what the purchasing price is from someone's bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed this account with the credit bureaus and requested full documentation verifying the accuracy of the loan being reported. Capital One Auto Finance did not provide proof of the original loan agreement, complete payment records, or any documentation verifying the current balance or charge-off status. This account continues to harm my credit profile and has not been properly verified. As allowed by the Fair Credit Reporting Act ( FCRA ), I am requesting this account be deleted due to lack of verification and failure to fully investigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
I've advised the XXXX XXXX XXXX XXXX who I had a credit card through to update my credit balance to XXXX because, I didn't know I had this credit card. 

They've advised for me to speak with their lawyer who I've worked with and the balance is XXXX. This should be reflected on my credit and put it back to XXXX of when the account was paid in full. This has severe impacts on my credit went it's not updated correctly.

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 2025-05-26 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:
I've advised the XXXX XXXX XXXX XXXX who I had a credit card through to update my credit balance to XXXX because, I didn't know I had this credit card. 

They've advised for me to speak with their lawyer who I've worked with and the balance is XXXX. This should be reflected on my credit and put it back to XXXX of when the account was paid in full. This has severe impacts on my credit went it's not updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NC

Complaint narrative:
Hello, I'm a victim of the Equifax data breach. The privacy of my information has been compromised and as a result of that, i discovered several unauthorized accounts on my credit report. Before reaching out to a attorney i would like to resolve this issue. Please remove and block these items immediately from my report 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 2025-05-26 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: TX

Complaint narrative:
XXXX XXXX have been trying to report XXXX to me and under a address never lived or been associated with

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 2025-05-26 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:
XXXX XXXX have been trying to report XXXX to me and under a address never lived or been associated with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a debt collection attempt related to a contract with XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for photography services. 

I was told at the time of signing the agreement on XX/XX/XXXX, that if I was not happy with the photos, I would be eligible for a refund. I was not satisfied with the images, and I communicated this. Despite that, I was never issued a refund. Instead, a collection agency began pursuing payment for the full contract amount. 

On XX/XX/XXXX, I formally requested debt validation from the collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to provide the requested documentation within a reasonable timeframe and pause all collection efforts. However, I did not receive the documents until XX/XX/XXXX more than 30 days later. This delay constitutes a violation of my rights under the FDCPA. 

Additionally, the contract I was given contains conflicting language. While it says the agreement is non-cancelable, I was verbally told I could get a refund if I was dissatisfied which was the basis for my agreement. I feel I was misled into signing under false pretenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that has been reported on my credit report. The account in question was previously deleted and should no longer appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that has been reported on my credit report. The account in question was previously deleted and should no longer appear on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have reviewed my credit report and found inquiries that I did not authorize On XX/XX/year> and XXXX XXXX XXXX from Capital One and they are negatively affecting my credit score and were made without my knowledge or permission. Please investigate this matter and remove the unauthorized inquiries from my credit file Thank You Sincerely. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
On this account, I made a payment of {$45.00} toward a total purchase of {$92.00}. Despite this effort to pay down my balance, Discover applied fees totaling {$250.00} an amount that is more than five times my payment and nearly three times the original balance. I believe these charges are excessive, inaccurate, and possibly unlawful. 

Under 15 U.S. Code 1666, I am disputing these fees as a billing error. I also reserve my rights under 15 U.S. Code 1681s-2 to dispute the accuracy of any credit reporting resulting from these charges. As the furnisher of this information to credit reporting agencies, Discover is required to conduct a reasonable investigation of this dispute upon notification and to correct or delete any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation