vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: OR

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries remain on my report. This inaction is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue continues to cause me emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OR

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains serious inaccuracies that fall short of the required standard of maximum possible accuracy. These errors have caused significant harm and continue to affect me in ways that are deeply distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: OH

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unverifiable information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I have the right to have incorrect or misleading information corrected immediately. 

The specific inaccuracies include the following : Incorrect Address : Reported : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Status : This is not my current or previous address. 

Erroneous Late Payment : Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$480.00} Issue : Reported as a late payment ; I have no record of any delinquency with this account. 

Incorrect Charge-Off : Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Issue : Reported as a charge-off ; this account status is inaccurate and unverifiable. 

These inaccuracies are negatively affecting my creditworthiness and financial reputation. I formally request that : All incorrect addresses, late payments, and charge-off notations be investigated and removed if unverifiable. 

I receive written confirmation of the corrections. 

My credit report be updated immediately to reflect accurate information. 

Enclosed are supporting documents [ attach any proofs, if available ] confirming my correct address and account history. 

I expect the CFPB to take appropriate action to ensure these violations are corrected promptly. I am prepared to escalate this matter legally if necessary to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
The late payment indicated is inconsistent with my payment behavior and appears to be inaccurate. Please investigate and adjust my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
It has been well over 60 days since disputes were filed with all three credit bureaus regarding multiple inaccurate tradelines. No documentation or verification has been received. Under FCRA 611 ( a ) ( 1 ) ( A ), bureaus must complete a reasonable investigation within 30 days. Continuing to report unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 2.2 accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My checking account with JPMorgan Chase was closed in XX/XX/year> without any written notice or explanation. 
At the time of the closure, the account had a balance of {$10000.00}, which was never returned to me. 

Right after the account was closed, Chase disabled my online and mobile banking access, so I was unable to download or save my account statements, nor record my account number. I was not notified within 24 hours or provided any documentation about the closure. 

Some of the deposited checks were from family members, and all transactions were made in good faith. Later, Chase representatives said they could not verify those deposits because the phone numbers of the payees were not registered under their names which has nothing to do with the balance that belongs to me. 

It has now been more than four years since the account was closed, and Chase has never provided any written response or proof of what happened to my funds. According to New York Abandoned Property Law, after three years of inactivity, those funds should have been transferred to the New York XXXX XXXX XXXX ( Unclaimed Funds ), but Chase has not confirmed or proven that transfer. 

I sent a Formal Demand Letter requesting an explanation and account documentation, but Chase never replied in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MI

Complaint narrative:
I am filing this complaint against several creditors and the credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit reports. These entries are causing severe harm to my creditworthiness and financial stability. 

The following accounts are being wrongfully reported as charge-offs : ACHIEVE PERSONAL LOANS XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00} Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5100.00} Charge Off XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$7200.00} Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Charge Off These accounts are reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609 & 611, which require furnishers and credit reporting agencies to ensure that all reported information is accurate, complete, and verifiable. 

I dispute the accuracy and legitimacy of these charge-off designations for the following reasons : No Verification Provided None of the furnishers have produced proper documentation proving that I am legally responsible for these debts, nor have they provided original signed contracts, account-level documentation, or detailed payment histories as required. 

Duplicate/Conflicting Reporting XXXX XXXX appears to be reporting duplicate charge-offs under the same account number with different open dates and balances, which is misleading and unlawful. 

Obsolete/Outdated Reporting Several of these accounts are far beyond the allowable reporting period under the FCRA ( 7 years from the date of first delinquency ). Continuing to report them constitutes willful violation of federal law. 

Damage to Consumer These false entries are unfairly lowering my credit score, restricting my access to fair lending, and causing financial and reputational harm. 

Requested Resolution : Immediately investigate these disputed items. 

Delete any unverifiable, duplicate, or obsolete entries from my credit reports. 

Provide written documentation from the furnishers proving full validation of each account, including signed contracts and payment history, if they claim accuracy. 

Ensure compliance with FCRA, FCBA, and CFPB regulations to prevent future inaccurate reporting. 

If these violations are not corrected promptly, I reserve the right to pursue further legal remedies, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Office of the Attorney General, and pursuing private legal action for damages under the FCRA. 

I expect your office to address this matter promptly and ensure my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am submitting to bring to your attention an account listed on my credit report that I do not recognize and did not authorize. After carefully reviewing my report, I have reason to believe this account may have been opened fraudulently using my personal information. 
Account in Question : XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} I understand that accurate reporting is essential for both consumers and credit bureaus, and I take this matter seriously. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account be investigated and, if found to be fraudulent, removed from my credit file.

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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Benworth Capital Partners LLC
State: NY

Complaint narrative:
i received a bill to for loan # XXXX from XXXX XXXX in the amount of XXXX, XXXX. I did not ever applied for, signed for, received or benefited fron any such proceeds .. i have files a complaint with the Small Business Administration by email ; XXXX and the XXXX XXXX XXXX online. I also contacted XXXX XXXX by email : XXXX and submitted the requested document listed below 1.Declaration of Identiy Theft form 2.Identiy theft FTC report XXXX XXXX XXXX ID 4. Passport I also forwarded to the ( SBA ) my requested XXXX  Tax Return and XXXX XXXX XXXX  Statement form XXXX to XXXX i needassitant to be release from the fraudulent loan

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) refers to the reporting of inaccurate, incomplete, or unverifiable information all of which go against the FCRAs requirement for 100 % accuracy in consumer credit reporting. Unfortunately, my credit report contains multiple entries that do not meet this legal standard, and I have suffered real harm as a result. 
The accounts listed in the attached letter are not accurate, and I am demanding their immediate removal. 
Because of these errors, I have experienced serious setbacks, I have been denied job opportunities, which directly affects my ability to earn income and support myself. 
I have been rejected for housing, which has created unnecessary instability and emotional stress. My overall financial standing and peace of mind have been severely impacted through no fault of my own. These inaccuracies have created an unfair and unjust barrier in my life. I have made every effort to resolve this respectfully and provide the necessary information and I am now asking you to do your part in complying with the FCRA by conducting a proper investigation and deleting the disputed accounts. 
This is not just a technical error ; its a violation that is actively causing damage to my livelihood and future. I am entitled under the FCRA to accurate reporting and to relief when that standard is not met. 
I expect a timely and fair resolution, and I reserve the right to pursue further action should these violations continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was at a grocery store in the self service check out, to pay for my food, my debit card was decline and my credit card from Navy Federal Credit Union was declined. I went to the bank site to try to figure out the problem and I could not sign into my account. There was a message on my account stating I need to contact Navy Federal. Therefore, I called the XXXX number. The representative told me that my account was closed indefinitely due to my participating in fraudulent activity. The representative went on to ask me questions regarding XXXX activities on my account. I told the representative that my son ask me to receive funds from a client and XXXX XXXX  him the money. I didnt think nothing of this and surely had no idea this was fraudulent activity. Navy Federal did not do an investigation before closing my accounts nor did they care I was left without any money. Not to mention, making me feel like a criminal for something I had no knowledge of. My checking, savings account, credit card were closed indefinitely, and I have no means of getting my money. The representative then informed me that I had to pay back the {$420.00} to the other institution before I can have my funds released. This is crazy and how is this even legal. Fraud has been committed against me and that does not even matter to them at all. How can I be penalized for something I had no knowledge of and I definitely did not knowingly participate in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XX/XX/XXXX and XX/XX/XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX -Balance {$760.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/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 2025-10-17 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: DC

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. XXXX XXXX XXXX XXXX Balance {$3700.00} XXXXL XXXX XXXX * * * * * * balance {$650.00} XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX * * * * * * * * * * balance {$2500.00} XXXX XXXX XXXX XXXX, DC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: DC

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. XXXX XXXX XXXX XXXX Balance {$3700.00} XXXXL XXXX XXXX * * * * * * balance {$650.00} XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX * * * * * * * * * * balance {$2500.00} XXXX XXXX XXXX XXXX, DC 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 2025-10-17 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The Capital One tradeline XXXX inaccurately reported as both paid and derogatory. Payment dates, high credit, and comments vary across CRAs. It was also reported as settled for less and paid in full, which can not both be true. No documentation verifying settlement terms has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Formal Request for Action Pursuant to these statutes, I am hereby demanding that Equifax, TransUnion, and Experian : Immediately remove and permanently block any hard inquiries that were not authorized by me ; Reinvestigate and verify the origin of these inquiries under 15 U.S.C. 1681i ( a ) ; Provide written confirmation that these inquiries have been deleted from my file ; and Cease and desist from reporting or releasing information connected to any unauthorized or fraudulent credit activity. 
I have attached the following documentation to substantiate my claim : FTC Identity Theft Report ; Police Report from XXXX Police Department ; Copy of my government-issued ID ; Proof of address ( utility bill, lease, etc. ). 
Notice of Rights You are required by law to conduct a good faith investigation and respond within XXXX  days of receipt of this letter. Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action under the provisions 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Back in XXXX I noticed two transaction from XXXX store that I did not recognize and I did not authorize. One transaction was for XXXX and right after, for XXXX dollars. 

I contacted the bank and I told them them that I did not make that payment and I do not spend that much money at XXXX. 

The bank advised that they will be starting a fraud investigation and would return the money. 

Today, I received a letter from Navy Federal banking advising that there was not fraud activities in my account and they will be reversing the money. 

I asked for copies of the investigation but was met with negative results. I did not spend the money that was taken from my bank account and now Im having to pay out of my own pocket for a transaction I did not approve or do. 

I told the bank that the store might have a card reader, thats how I believe my card information were obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief