vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am disputing the hard inquiry from CAPITAL ONE, XXXX XXXX XXXX XXXX, showing on my credit report. This inquiry was not authorized by me. Under 15 U.S. Code 1681b ( a ) ( 2 ), a credit report may only be accessed with my written authorization or a court order. Since I did not provide authorization, the only fair resolution is to delete this inquiry immediately. If this is not corrected, I will escalate to the CFPB, FTC, my State Attorney General, and pursue legal remedies for violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
To whom may concern, My name is XXXX XXXX XXXX, i am reaching out to you all to see what i need to do about being a victim of identity thieft/fraud. So i was incarcerated when these accounts were opened in my name. i was not able to keep a check on my identity while being in custody of the North Carolina Department Of Corrections and the Tennessee Department of Corrections. I can also get the dates that i was away if needed for additional information. When i was arrested my drivers license was in my car along with my wallet and Social Security Card along with my other person items. My vehicle was stolen from XXXX XXXX and XXXX in Mt. XXXX TN. I later on figured out that it was found and taken into the custody of the XXXX XXXX XXXX XXXX XXXX. There it sat for 3 years and the judge would not release it to anyone but me. Since i have been release on XX/XX/year> i tried to open up a bank account to get my life back to where it should be and i was informed that can not even open a checking account due to the fact that i owe a bank money. I got incarcerated when i was XXXX XXXX XXXX and i didn't get released until i was XXXX XXXX XXXX. I have had nothing but trouble with credit ever since i have been out. There should be nothing on my account other then a XXXX XXXX XXXX  and that account is still active i never even had a chance to use my credit due to the poor choices i made when i was a teenager .I have numerous accounts opened up in my name without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-09-01 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: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX amount XXXX. Action that was taken by me was that I called the company to verify that something was going on with my card I had money in my account I couldnt use it but they let a non authorized company take my money and stated that I couldnt get no refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
Dear Equifax Information Services LLC, I am writing to dispute inaccurate and inconsistent information on my credit report as provided by XXXX XXXX. 
XXXX  reports this account as Closed/Charge-Off, while Equifax reports it as Open Collection. 
The Date of Last Activity is inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). 
The account is marked Closed in one report, yet still shows a balance owed of {$1000.00} in others. 

Under the Fair Credit Reporting Act ( 15 USC 1681i ), you are required to ensure the accuracy and completeness of information reported. These inconsistencies indicate that the reporting is not accurate or verifiable. 

I am requesting that this account be deleted from my credit report. Please investigate this matter and provide me with written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion Credit Reporting Agency is reporting the following accounts past the 7 year reporting criteria mandated by law. These are, XXXX XXXX XXXX XXXX XXXX in the amount of {$9100.00} was due to be deleted in XX/XX/year> but was re aged by XXXX XXXX and Transunion. 

XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$10000.00} was due to be deleted in XX/XX/year> but was re-aged by XXXX more months by XXXX and Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX. This account is supposed to be deleted by XX/XX/year> as it has surpassed the 7 year mark but Transunion has chosen to dieregard its removal from my credit file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. This account has had its deletion date extended several times by XXXX XXXX  and Transunion with the intent to hurt, inflict and extract maximum pain on me and by extension my credit rating. 

I demand that Transunion looks into my case and exact immediate attention by deleting these accounts off my credit 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 explanation
Consumer complaint received 2025-09-01 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXXXXXX XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I was XXXX and put in XXXX until XX/XX/XXXX during the time I was in jail somebody accessed my account and took a loan and used the incoming deposits that I had coming in, the company continues to ask how it was unauthorized and there is a major language barrier. And they are not doing anything, there were 20 or more transactions and they will not help me out them in the person that accessed my account also took a XXXX borrow loan, I have taken a picture of all the transactions. And attached a letter from the jail showing u was in XXXX The company has been denying the disputes I put in saying the have documentation that I did the transactions, they have also closed my account, there is no possible way I did the transactions I sent documentation proving this, in my original complaint I put XX/XX/XXXX by accident it supposed to be XXXXXXXX XXXX XXXX I have revised and resubmitted the complaint for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX continues to report negative information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and applicable Texas law. Their response failed to provide the required documentation to substantiate their claims. 

Key Issues : Lack of Proof of Required Notices XXXX XXXX claims that cure notices, acceleration notices, and sale notices were mailed in XXXX. They provided no proof of mailing ( no certified receipts, no USPS confirmations, no actual copies addressed to me ). Under Texas law and the UCC, creditors must show evidence of proper notice to pursue a deficiency balance or report derogatory information. XXXX XXXX has failed to meet this burden. 

XXXX Reporting Contradictions XXXX XXXX states a XXXX was issued XX/XX/XXXX, years after the repossession in XX/XX/XXXX. This delay raises questions about whether the debt was validly maintained and reported during the gap period. The reporting of a charge-off in XXXX, after years of negative reporting, is misleading and not accurate. 

Credit Reporting Errors XXXX XXXX reports a deficiency balance and charge-off, but their own response admits they canceled the debt in XXXX via XXXX. Continuing to report derogatory payment history without clarifying the true status of the account is incomplete and misleading under the FCRA. 

Failure to Address Obsolescence Date XXXX XXXX states the account is not past the date for obsolescence, but they did not provide the actual date of first delinquency ( DOFD ) used for reporting. 
Without this, I can not verify whether the tradeline will correctly fall off after seven years.

Resolution I Am Requesting : Correct and update all credit reporting to remove any inaccurate late payment history, delinquencies, or balances that are the result of GMs errors. 
Provide written confirmation that XXXX has properly validated the Retail Installment Sales Contract, including the correct contract date, vehicle year/make/model, and payment history.

Cease collection activity and pause credit bureau reporting until XXXX can demonstrate compliance with notice and disclosure obligations under state and federal law. 
Issue compensation or credit adjustment for damages caused by inaccurate reporting and improper handling of my account. 
Commit to improved compliance practices to ensure consumers are not subject to similar errors in the future.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation