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

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer 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 2025-11-11 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved XXXX XXXX Promotion balance on my Chase XXXX credit card. 

On XX/XX/year>, XXXX transactions totaling {$3300.00} were placed under an XXXX XXXX Promotion XXXX for {$57.00} and another for {$3200.00}. The {$3200.00} transaction was refunded by the merchant on XX/XX/year>, but Chase did not apply that refund toward my XXXX XXXX promotional balance. 

Despite the refund, my XXXX XXXX balance continued to show {$1100.00}, and my minimum required payment has remained {$270.00} per month. I contacted Chase multiple times, including on XX/XX/year>, to have this corrected. Each time, I was informed that the issue would be reviewed, but no adjustment has been made and the XXXX XXXX plan remains active with an incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Kikoff Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported charge-off account by KIKOFF LENDING LLC ( Account ending in XXXX XXXX XXXX XXXX XXXX ), showing a high balance of {$55.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or maintained any account with XXXX XXXX XXXX. The reporting of this alleged charge-off is false, misleading, and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure all data they report is accurate and verifiable. Reporting an account as a charge-off without any supporting documentation or consumer authorization constitutes a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or deceptive credit reporting. 

I have previously disputed this account with the credit bureaus, but it continues to appear without verification or proof of validity. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement. 

Requested Action : I respectfully request that KIKOFF LENDING LLC provide complete and verifiable documentation confirming the legitimacy of this alleged account, including the original application, signed agreement, and payment records. If such documentation can not be produced, I request the immediate and permanent deletion of this charge-off account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: NY

Complaint narrative:
I called Self Financial on XX/XX/year>, around XXXX XXXX  to reconnect with a higher-level representative after being disconnected. The new agent refused to transfer me to the escalation team, saying she cant trust me and that she didnt need a reason to deny my request. She also refused to give me her last name or reference ID number. Im requesting a review of this unprofessional behavior and a response from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Equifax. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately. 
Furthermore, under the XXXX XXXX ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports. 
Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Equifax has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me. 
I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Equifax to take all necessary action to correct and block this information as ordered by law. 
Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions

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

Complaint narrative:
To Whom It May Concern, I am formally disputing the account reported by XXXX XXXX, account number XXXXXXXX XXXX XXXX, which appears on my XXXX  credit report as a collection/charge-off. This account is the result of identity theft linked to the XXXX  Data Breach, which exposed my personal information and has led to fraudulent accounts appearing on my file. I did not authorize, open, sign for, or enter into any agreement with XXXX XXXX. Under FCRA 609 ( a ) ( 1 ), I request all documents containing my signature, including the original contract, application, IP logs, timestamps, and method of verification. Under 15 U.S.C. 1681c-2, this account must be blocked and deleted immediately upon receipt of my identity theft documentation, which I am providing. Because this furnisher can not produce any signed agreement or evidence of permissible purpose, continued reporting violates FCRA 602A, 611, 615 ( g ), and 623 ( a ), as well as METRO 2 reporting standards. I demand immediate removal of this fraudulent account and written confirmation of deletion.

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 2025-11-11 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2025-11-11 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2025-11-11 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: PR

Complaint narrative:
Since XX/XX/year>, I have submitted multiple disputes to Experian and TransUnion regarding fraudulent accounts that do not belong to me : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) Affirms Accounts XXXX account I repeatedly requested documentary proof of verification, such as signed contracts, applications, IP logs, or addresses connected to me. 

In its official response to the CFPB dated XX/XX/year>, Experian admitted that it can not delete information that has been verified as accurate. 
However, Experian never provided any evidence showing how or by whom these accounts were verified. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) because the law requires consumer reporting agencies to : Conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Disclose the methods, results, and evidence used in that investigation ( 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) ), and Maintain only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ). 

By confirming verified information without providing proof, Experian and TransUnion have demonstrated negligence and reckless disregard of federal law. 
Their actions have caused economic harm, credit denials, and damage to my financial reputation. 

I request that the CFPB conduct a formal investigation into Experian and TransUnion for ongoing violations of the FCRA and systemic failure to verify disputed data.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Accounts in Dispute ( Fraudulent ) Account Ending XXXX Charged-off / sold XXXX Charged-off / sold XXXX Charged-off / sold Sold to XXXX XXXX XXXX Summary of the Problem - Identity Theft : My personal information was stolen and used to open multiple Capital One creditcard accounts without my knowledge or consent. Fraudsters also opened bank accounts in my name to make initial payments, then stopped paying after credit limits were increased. 

- Bureau Disputes Ignored : I filed disputes with XXXX, XXXX, and XXXX. Each bureau confirmed forwarding my disputes and supporting documentation ( FTC IdentityTheft Report & police report ) to XXXX XXXX. XXXX XXXX verified the accounts as accurate without providing any proof of my liability. 

- Illegal Sale of Debt : XXXX XXXX subsequently sold or assigned the chargedoff accounts to thirdparty collectors despite being on notice that the debts were disputed as fraudulent. 

- Refusal to Investigate : XXXX XXXX has refused to provide account applications, transaction records, or any fraud investigation results, contrary to FCRA requirements. 

- Ongoing Harm : The fraudulent tradelines remain on my credit reports, lowering my score, triggering credit denials, and causing significant emotional and financial distress.

Alleged Violations - FCRA 623 ( b ) / 15U.S.C. 1681s2 ( b ) Failure to conduct a reasonable reinvestigation after notice of identitytheft dispute. 

- FCRA 605B / 15U.S.C. 1681c2 Failure to block fraudulent information after receiving an identitytheft report.

- FCRA 609 ( e ) / 15U.S.C. 1681g ( e ) Failure to provide records related to fraudulent accounts to the victim.

- FCRA 623 ( a ) ( 6 ) Furnishing information after notice from consumer reporting agency of identitytheftrelated dispute. 

- XXXX XXXX ( XXXX. XXXX ) Failure to protect consumer data, enabling identity theft. 

- XXXX  Identity Theft Statutes ( XXXX etseq. ) Negligent enabling or failure to correct identity theft affecting a Nevada resident. 

Harm Suffered - Credit Denials & Higher Rates on autoloan and mortgage inquiries. 

- OutofPocket Costs for credit monitoring, fraud alerts, certifiedmail disputes. 

- Time & Emotional Distress from ongoing collection calls and damage to reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CAC Financial Corp
State: TN

Complaint narrative:
I am disputing the CAC Financial collection account XXXX XXXX XXXX XXXX XXXX XXXX, which was not opened, authorized, or signed by me. My personal information was compromised in the XXXX  Data Breach, and this fraudulent account is a direct result of that exposure. Under FCRA 609 ( a ) ( 1 ), XXXX  must provide the full documentation for verification, including any signed contract, consent, or application associated with this account. No such signed document exists because I did not create this debt. Under FCRA 1681c-2, you must block and delete this account within four business days. Reporting a fraudulent and unverifiable account violates FCRA 602A, 611, 623 ( a ) and XXXX accuracy requirements. Because CAC Financial can not provide verifiable documentation establishing that I owe this debt, I demand its immediate deletion and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: AZ

Complaint narrative:
I opened the loan, it was an active loan. I was having issues with the contractor and contractor knew I was having issues with them. They went to get money out of the account. I received a message to accept funds to be sent out or refuse. I refused any funds to be sent out paperwork said somebody would contact me. I contacted them. They refused to stop payment at my request. This has been going on for several years. I closed the account I was told I did not owe a balance as it was resolved. Then they are marking my credit report as delinquent. They are in violation of my request as I told them not to send any funds. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I REQUEST THE CREDIT BUREAUS TO POST THE SAME REQUEST THAT I POSTED AGAINST THIS CREDITOR, AS THE MATTER IS IN MY FAVOR AS TO THE LEGAL MERITS OF MY ARGUMENT. 

This company repossessed my vehicle XX/XX/year>. The legal timeline to maintain it on all pertinent credit bureaus has passed. I respectfully request the immediate deletion of the tradeline completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account by TRANSWORLD SYSTEM INC ( Account ending in XXXX XXXX XXXX ), showing a high balance of {$920.00} and a date opened of XX/XX/2025. 

I h

ave no knowledge of this account and have never opened, authorized, or received any notice, statement, or validation from TRANSWORLD SYSTEM INC regarding such a debt. The reporting of this alleged collection account is false, misleading, and unverifiable, which has caused damage to my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers are required to report only accurate and verifiable information. They must also provide full validation of any alleged debt upon request. TRANSWORLD SYSTEM INC has failed to furnish any evidence or documentation linking me to this alleged debt. I have previously disputed this information with the credit bureaus ; however, it continues to appear without verification. I am therefore escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and enforcement action. Requested Action : I respectfully request that TRANSWORLD SYSTEM INC provide complete and verifiable documentation of this alleged debt, including all original creditor information, signed agreements, and payment records. If such documentation can not be produced, I request immediate and permanent deletion of this collection account from all credit reporting agencies.

Company response to consumer: Closed with explanation