vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Reference complaint number : XXXX 15 USC 1681 ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable investigation of any disputed information within 30 days after receiving notice of a dispute.

15 USC 1681 ( a ) ( 5 ) ( A ) : If information is found to be inaccurate or unverifiable, it must be deleted or corrected.

15 USC 1681 ( a ) ( 6 ) ( B ) : Requires the bureaus to provide written notice of the results of the investigation and a complete and full description of the procedures used.

15 USC 1681 ( 2 ) ( B ) : Applies to furnishers of information who must also investigate disputes forwarded by bureaus.

15 USC 1681 ( n ) & 1681 ( o ) : Provides for Civil Liability for willful negligence. Noncompliance with the FCRA. Includes statutory damages, actual damages, punitive damages and attorney fees if applicable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the abrupt and unexplained closure of both of my XXXX XXXX accounts. These accounts have never had a late payment, missed balance, or shown any sign of delinquency or misuse. Both were in good standing at the time of closure. 

I was given no prior warning, and upon contacting Capital One customer service to inquire about the reason for the closures, I was told that the representative could not see any specific reason for the closureonly that the accounts had been closed. When I asked if the accounts could be reopened, I was told that would not be possible, without any recourse or escalation offered. 

These actions by Capital One are not only unreasonable and opaque, but they are also damaging to my livelihood and financial health. Closing well-managed accounts without explanation or opportunity to remedy the situation significantly harms my XXXX XXXX, impacts my credit utilization ratio, and creates unnecessary financial instability. 

Given the lack of transparency, denial of due process, and the negative consequences I now face, I am left with no option but to explore legal remedies against Capital One for the disruption and damage caused. I am requesting the CFPBs assistance in compelling Capital One to : 1. Provide a full and clear explanation for the closure of my accounts.

2. Reopen the accounts or, at the very least, report them to credit bureaus as closed at the consumers request to avoid unjust XXXX XXXX damage. 

XXXX Ones failure to provide a valid justification, warning, or resolution path appears to violate fair and responsible lending and account management practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
The debt collector sent emails to my email account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The emails pertained to a debt potentially owed by a family member. The family member 's name, the amount owed, an account number, and a reference number were included in the emails, and the debt collector never verified who it was sending the emails to prior to sending the emails with the private information. The debt collector was not authorized or given permission to contact me about the debt. I never gave the debt collector my email address and am not sure how it was obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I was approved for a credit-building product with Current, which advertised that using the card and making on-time payments on the XXXX and XXXX of each month would help build my credit. My payments are set to auto-pay on these dates. However, Current reported my balance to the credit bureaus before the auto-payment dates, causing a higher balance to be reported than what I had paid at the time of reporting. This resulted in a significant and unexpected drop in my credit score. 

I contacted Current support multiple times to clarify their reporting schedule, but was only given vague or contradictory answers. It was only after I threatened to escalate the issue and cited my rights under the Fair Credit Reporting Act ( FCRA ) that I finally received a clear explanation : they report balances monthly but dont specify exact dates, which causes confusion and can hurt consumers credit scores despite timely payments. 

I disputed the inaccurate reporting with XXXX, but they sided with Current, stating the information was reported accuratelyeven though the reporting timing was misleading and not disclosed upfront by Current. 

This lack of transparency and failure to inform customers when balances are reported caused harm to my credit, despite me fulfilling my payment obligations on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent information being reported on my credit file concerning the XXXX XXXX auto loan account # XXXXXXXX XXXX XXXX XXXX XXXX 

Despite the account being fully paid and closed with a XXXX balance, there are notable discrepancies among the credit bureaus that reflect errors in reporting : Opening Date Discrepancy : TransUnion reports the account as opened on XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. 

Term Length Inconsistency : TransUnion shows a XXXX term, while Experian and Equifax report 73 months. 

Date of Last Activity/Reporting Issues : TransUnion last reported activity on XX/XX/XXXX, yet Equifax reports XXXX XX/XX/XXXX despite the account being paid and closed in XXXX. 

Under FCRA Section 607 ( b ), credit bureaus are obligated to ensure that all information on a consumer report is accurate and up to date. These inconsistencies are misleading and create confusion in my consumer profile.

Therefore, I am requesting the following : Immediate removal of this account across all credit bureaus. 
deletion of any information that can not be properly verified, particularly outdated or incorrect payment and reporting dates. 
Written confirmation that the deletion have been made within 15 days of receiving this notice. 
If the inaccurate data is not resolved promptly, I will proceed with legal remedies under FCRA Sections 616 and 617 for noncompliance. 

Thank you for your immediate attention to this matter. I expect a full response confirming resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed both of my and my wifes XXXX account without providing a clear explanation. I was notified that the account was XXXX  due to suspected fraud, but there is no unusual or unauthorized activity in my transaction history. I have called customer service multiple times and visited a local branch, but no one has been able to tell me the specific reason for the closure.

I formally requested a written explanation under the Fair Credit Reporting Act and Equal Credit Opportunity Act, but I have not received a response within a reasonable timeframe. I am concerned that Chase may have reported false or misleading information to consumer reporting agencies ( e.g., XXXX XXXX XXXX XXXX XXXX  ), which could impact my ability to open accounts at other banks. 

I request that Chase provide a clear, written explanation for the closure, and confirm whether any negative reporting has been made to third-party consumer reporting agencies. If such reports exist, I ask for documentation and the opportunity to dispute any inaccurate information. 

Please help ensure Chase responds in a timely and transparent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally requesting the removal of fraudulent accounts and inquiries from their credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act, they ask the credit bureau to block and delete unauthorized items. I have included a list of the disputed entries and an Identity Theft Report from the FTC, and I request prompt action and written confirmation once the report is corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: WI

Complaint narrative:
I submitted and cleared a background check through my XXXX account weeks ago. However, due to XXXX internal system error with duplicate account handling, the approved report is not being applied to my primary account. Instead, XXXX is flagging my current account as invalid based on an old background check, even though support confirmed the account update and my eligibility to work. 

I have screenshots, chat logs, and confirmation from XXXX support that the cleared background check is valid. This is not an issue of an incomplete report its a misclassification or incorrect linkage of the report by XXXX and/or HireRight. Im being told to repeat the process again unnecessarily. This has blocked my income. Im filing this complaint to correct the misuse and ensure the verified report is applied properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CO

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, I obtained an auto loan for a XXXX XXXX XXXX XXXX through Westlake Financial Services. The account was later charged off and sold. Now, the same debt is being reported twice on my credit reports once by XXXX XXXX and again by XXXX XXXX XXXX but with different balances and account numbers. 

XXXX reports the account as closed, opened on XX/XX/XXXX, with a balance of {$13000.00}. XXXX XXXX XXXX reports the same debt as a new collection account, opened XX/XX/XXXX, with a balance of {$15000.00}. This creates the false impression of two separate debts, inflating my total obligations and negatively affecting my credit. 

This appears to be duplicate reporting and illegal re-aging of a charged-off debt, violating the Fair Credit Reporting Act ( FCRA ). 

A court judgment assigned financial responsibility for this debt to my ex-husband during our divorce. I have notified both XXXX XXXX and XXXX XXXX XXXX, sending them copies of the court order multiple times. 

Despite disputes filed with the credit bureaus, and written notice to both XXXX XXXX and XXXX XXXX XXXX, the inaccurate and duplicative reporting remains unresolved.

Company response to consumer: Closed with explanation