vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. 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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I applied for a XXXX XXXX  credit card on the CapitalOne website, but I accidentally added an extra " XXXX '' to my monthly mortgage payment. 

Because of this typo, I was denied, as my income ( $ XXXX annually ) was not adequate to pay for this absurdly high monthly mortgage payment. 

I attempted to correct the error by calling, and I was told that Capital One can not and will not make any corrections to my application. 

I now have a hard inquiry and denial of credit on my credit report that will follow me around for years all because I accidentally typed an extra " XXXX '' in the online portal. 

I do not believe this is fair, and their refusal to correct the matter is unreasonable and problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a rental debt reported by National Credit Systems for {$15000.00}, which is inaccurate. On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX, Georgia ( Case # XXXX ) issued a judgment confirming the legal balance owed is only {$7000.00}. 

I have disputed the debt with National Credit Systems three times, including by written letters and with proof of the court judgment. Despite this, they continue to pursue and possibly report the inflated {$15000.00} balance. 

I also requested full validation and a breakdown of the charges, but the company has not provided documentation that supports the {$15000.00} amount. 

I am requesting that the CFPB assist in requiring National Credit Systems to : Correct the balance to reflect the court-ordered amount of {$7000.00} Cease collection on the incorrect total Update all credit reporting agencies if this account is being reported inaccurately I have attached my dispute letter and the court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
On XX/XX/year> is sent a letter of Request for Correction of Personal Information and Dispute of Inaccuracies to Equifax. The results of the investigation were the accounts were updated. Then on XX/XX/year> I sent a follow-up letter to Equifax requesting them to verify the accuracy of the disputed information be reinvestagated and verified, if not it must be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Each month since XX/XX/XXXX I have disputed all accounts. All I receive is stall letters and no deletions. I have demanded an investigation and nothing has been done. 


To whom it may concern : You say that your company has reinvestigated these accounts and verified them as being accurate, but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items listed below are not valid which is clearly in violation of 15 U.S.C.

1681g ( a ) ( 1 ). Under to the FCRA, unverified, invalid accounts Must be Deleted.

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of the truth of a matter stated an object of verification is to assure good faith in averments or statements of a party.

Please be advised that under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required topromptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. See CHAKEJIAN V. EQUIFAX This letter is my formal written demand for you to investigate the following unverified and invalidated account listed below : According to 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ( B ) ( iii ) of the Fair Credit Reporting Act, a description of the procedure used to determine the accuracy and completeness of the information you shall provide to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Each month since XX/XX/XXXX I have disputed all accounts. All I receive is stall letters and no deletions. I have demanded an investigation and nothing has been done. 


To whom it may concern : You say that your company has reinvestigated these accounts and verified them as being accurate, but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items listed below are not valid which is clearly in violation of 15 U.S.C.

1681g ( a ) ( 1 ). Under to the FCRA, unverified, invalid accounts Must be Deleted.

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of the truth of a matter stated an object of verification is to assure good faith in averments or statements of a party.

Please be advised that under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required topromptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. See CHAKEJIAN V. EQUIFAX This letter is my formal written demand for you to investigate the following unverified and invalidated account listed below : According to 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ( B ) ( iii ) of the Fair Credit Reporting Act, a description of the procedure used to determine the accuracy and completeness of the information you shall provide to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate collection account that is currently being reported by both Equifax and TransUnion, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account is reported as follows : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( TransUnion ) Balance : {$8300.00} Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( TransUnion ) Comments : Consumer disputes this account information. Subject has not satisfied debt.

Reinvestigation in progress.

This account is inaccurate for multiple reasons : 1. 2. 3. The dates reported vary between bureaus, and the reporting includes future-dated information ( XX/XX/XXXX ) which is not only inaccurate but impossible as of todays date.

I have already disputed this account, and yet the furnishers continue to report it without providing proper documentation or validation as required under FCRA 1681i.

The continued reporting of unverifiable and inaccurate information violates my rights under FCRA 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of information contained in consumer reports.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that this account is removed from my credit report due to its unverifiable and inconsistent nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX U.S.C. XXXXc-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXXe ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXXb, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally express my XXXX  and concern regarding a recent experience I had with your customer service team. 
On XX/XX/year>, I called Chase Customer Service to request adding my XXXX  Chase XXXX  account ( XXXX ) to my Chase XXXX  account ending in XXXX for the sole purpose of transferring points to him. During this call, I spoke with an agent named XXXX, who appeared to have significant communication difficulties due to a language barrier. 
I explicitly instructed XXXX XXXX times not to add me as an authorized user on my XXXX  account. I only wanted to link our accounts for point transfer purposes. Despite my clear instructions, XXXX asked to speak with my XXXX, whom I conferenced into the call. My XXXX  confirmed that he authorized the link for point transfers only not for me to be added as an authorized user on his account. 
To our surprise and without our consent, XXXX proceeded to add me as an authorized user on my XXXX  account. When I confronted him, XXXX falsely claimed that I had requested this myself, and later contradicted himself by denying he added me at all. 
I then requested to speak with a supervisor and was connected to XXXX XXXX, who confirmed that XXXX had indeed added me as an authorized user, contradicting XXXX claims. XXXX removed me from the account after contacting the Chase XXXX Department. He also assured me that the {$75.00} fee would not be billed, but informed me that a card might still be sent and a new account inquiry could appear on my XXXX XXXX 
This incident has caused me considerable XXXX  and concern, as an unauthorized new account inquiry can XXXX  impact my XXXX XXXX through no fault of my own. 
I request the following actions from Chase : XXXX. Please investigate this incident, including a review of the recorded call with XXXX, to prevent similar issues in the future. 
XXXX. Ensure that any and all credit inquiries resulting from this unauthorized addition are removed from my credit report immediately. 
XXXX. Confirm that no card will be sent and that no fees have been added to either my account or my XXXX  account due to this error. 
Please provide written confirmation once this matter is resolved. 
Thank you for your prompt attention to this issue. I appreciate your assistance in addressing this mishandling of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2025 my PNC bank account started having fraudulent activity I immediately went to the bank. They allegedly destroyed my card at the branch and issued me a new one, however. Theres no record of me getting a new card and theyve allowed almost {$1400.00} worth of charges to go through on the card that was allegedly destroyed by the bank branch. They refused to call me back. They hang up on my calls. They refuse to credit my account. Nobody has any answers. I have filed fraud disputes three times for this amount and every time theyre denied for a different reason. I didnt even have the card physically that the fraud was allowed to go on after the first suspicious charge. I immediately went to the bank canceled that card and they gave me a new one in the bank people allegedly destroyed the old one, however theres fraud continuing to go on on this account and theyre not doing anything and they wont give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
On XX/XX/year> is sent a letter of Request for Correction of Personal Information and Dispute of Inaccuracies to Equifax. The results of the investigation were the accounts were updated. Then on XX/XX/year> I sent a follow-up letter to Equifax requesting them to verify the accuracy of the disputed information be reinvestagated and verified, if not it must be deleted from my credit file 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 explanation