vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Good Day, I want to send money through XXXX from my Capital One account, but they require downloading the " Capital One Mobile app '' to do so. I don't have room on my phone to download anymore apps. There is no reason I shouldn't be able to XXXX money from my laptop browser as I do with my XXXX XXXX  account. This is a XXXX ploy to promote downloading their app which, even if I had room on my phone, I wouldn't want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I received a text message and a email message that chase will close my account, I went to my branch and ask them to give me more information why they are closing my account, they told me to call a number, I called the number a agent picked up and told me that for privacy reason she is unable to see why chase is closing my account. 

I am doing banking with chase for many years and never had a problem, I don't know what happened now they decided to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SFMC L.P.
State: TX

Complaint narrative:
In XX/XX/year>, I experienced XXXX serious issues while working with Service First Mortgage. 

XXXX, a processor on the loan team sent a screenshot containing my income information to an incorrect contact at my employer. That individual only verifies employment status and was not authorized to view salary details. This disclosure caused my private financial information to be forwarded internally to my supervisor and others. While the lender later stated that their employee followed protocol, the outcome still demonstrates a failure to protect personal financial data and confirm proper contact authorization. 

XXXX, XXXX day before my option period expired, I received updated loan disclosures that materially changed my down payment from nearly XXXX  % to XXXX  %, significantly increasing the monthly payment. These changes were issued without prior discussion or explanation, leaving no time to respond or proceed. 

The lender acknowledged the communication issue and stated they would reinforce staff training. I am submitting this complaint for documentation and review of their privacy and disclosure practices.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am sending to follow up on my dispute regarding multiple entries on my consumer credit report that I have previously reported and which remain inaccurate. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting CFPB assistance to ensure these items are fully reinvestigated and removed as appropriate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Amount {$0.00} XXXX  XXXX Bankruptcy US BKPT XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
This is not my account, and it appears on my report due to an error.

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 2025-11-05 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-05 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
I never received a letter, email, text or phone conversation stating name of collection company and debt owed from collection agency for {$50.00} to XXXX. I found out about the debt on XXXX, per Credit Karma notification of a change in my credit score and who reported for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
LVNV funding {$790.00} they have opening date as XX/XX/year>. Which they keep re aging my account that it never goes away. I have filed numerous disputes with this company through credit bureaus. 

Wakefield & Associates {$4700.00} XXXX Re aging my account. And have filed disputes with credit bureaus. 
{$1900.00} XXXX. 

XXXX XXXX XXXX XXXX {$4500.00} and XXXX {$9100.00} I have no ideas what this collection is. And how can I have XXXX collections with same date from same creditor. And the date cant be correct I would remember spending {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX {$790.00} they have opening date as XXXX. Which they keep re aging my account that it never goes away. I have filed numerous disputes with this company through credit bureaus. 

XXXX XXXX XXXX {$4700.00} XXXX Re aging my account. And have filed disputes with credit bureaus. 
{$1900.00} XXXX. 

XXXX XXXX XXXX XXXX {$4500.00} and XXXX {$9100.00} I have no ideas what this collection is. And how can I have two collections with same date from same creditor. And the date cant be correct I would remember spending {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting to formally dispute certain inaccurate and misleading accounts that has been reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 602, 611, and 623, which outline the responsibility of credit bureaus and furnishers to ensure the accuracy, fairness, and integrity of the information they report and maintain.

Recently, while reviewing my credit report, I noticed two accounts that contain errors affecting my creditworthiness XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXXDate Opened : XX/XX/year> Date Last Active:XXXX 120 days past due XXXX XXXXXXXX Balance : {$650.00} Date Opened : XX/XX/year> Date Last Active : XX/XX/year> 60 days past due

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 2025-11-05 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:
It gives the wrong idea about what I value economically.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filling to formally dispute multiple items on my consumer credit report that are inaccurate, unverifiable, or misleading. This request is made under the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ). I request a full reinvestigation of each disputed item and written verification of your findings within 30 days. Any item that can not be fully verified must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: AR

Complaint narrative:
This is not my account, and it appears on my report due to an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-05 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:
I am submitting this formal complaint to report multiple violations committed by the listed furnishers and entities below. These inaccurate and misleading items have caused significant harm to my creditworthiness and financial reputation. Despite my lawful rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the listed entities have failed to ensure accuracy, integrity, and proper authorization in their reporting and inquiries. I demand an immediate and thorough investigation by the CFPB to enforce compliance and remove or correct these items as required by law. 

XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX * * This charge-off is unverified and unsupported by any proof of debt or creditor notice. Reporting without validation violates FCRA 607 ( b ) and FDCPA 807 ( 8 ). No original documents were provided showing lawful charge-off authorization. This false charge-off continues to harm my credit reputation. I never received written confirmation or validation from the creditor. Immediate removal is required under FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} Late XXXX XXXX XXXX  These late payments are unproven and unverified. FCRA 609 ( a ) ( 1 ) ( A ) requires full documentation, which has not been shown. Reporting false delinquency without proof violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). The account shows missing payment verification records. I have repeatedly requested validation, but no creditor response has been provided. Failure to correct this error constitutes continued negligence.

These actions have resulted in inaccurate data being published about me, in violation of federal consumer protection laws. I request the CFPB to compel the above furnishers and entities to provide documented proof of accuracy and authorization or to immediately delete the disputed information from all consumer reporting agencies. I further demand verification documents, including any signed applications or authorization forms, as required under FCRA 609 ( A ) ( 1 ). I am requesting full enforcement of my rights under federal law and immediate remedial actions to correct all false, misleading, or unauthorized information that continues to harm my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
XX/XX/year> Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Notice of Identity Theft / Mixed File Request for Deletion of Unauthorized Items : Formal Dispute and Request for Permanent Removal of Fraudulent Accounts FCRA 605B, 611, and 623 Report XXXX Dear Credit Bureau Representative, I am writing to dispute fraudulent and inaccurate information appearing on my credit report maintained by your agency, which appears to result from identity theft, a mixed-file, or improper reporting under the Fair Credit Reporting Act ( FCRA ). I have previously disputed multiple items ( XXXX names and XXXX addresses ) that keep re-appearing on my reports despite earlier attempts to have them removed. These items belong neither to me nor to any lawful account I authorized.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
As XXXX as XXXX, I began experiencing ongoing unauthorized debits, duplicate vendor debits, and altered third-party transactions from multiple accounts held with Bank of America with whom I had maintained a positive relationship for more than XXXX years prior. 

Despite repeated reports and written requests for investigation, the bank failed to provide documentation of processing or pending transactions, refused to produce internal investigation records, and offered little assistance to prevent continued losses or recover missing funds. 

Between XXXX and early XXXX, I also encountered repeated account lockouts, unexplained reversals of verified deposits ( including business payouts from rental platforms such as XXXX and XXXX ), altered act balances, and forced security resets that caused permanent loss of access to statements and transaction histories including associated email records containing live documentation of pending transactions. 

The total financial loss now exceeds {$250000.00}, with additional consequential damages reaching into the millions due to business interruption and destroyed credit. These issues coincide with broader patterns of identity misuse and systemic digital interference that have left me unable to regain financial stability or access complete account information. This was part of a larger plot to make it appear self inflicted, Nothing could be further from the Truth. XXXX consecutive mo of Growth ( XXXX - XXXX ) to suddenly losing the entire biz + all income / savings in XXXX  days, XXXX. I believe this was a professional cyber crime syndicate. Very organized. Could not defend against their tech / hacking abilities.

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