vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and61.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed both of my credit card accounts without any prior notice, warning, or explanation. I only found out after attempting to use my accounts. I had also recently moved my checking account to Capital One because I trusted the relationship I had with them as a credit card customer. 

When I contacted Capital One customer service, I was told only that the accounts were closed and that there was nothing I could do. No explanation was given for why this action was taken. I did not receive any written notice, email, or mailed communication about the closures before or after they occurred. 

This has negatively impacted my financial situation, my trust in the bank, and potentially my credit score. I am requesting : 1. A clear written explanation of why my credit card accounts were closed. 
2. Confirmation that any reporting to credit bureaus will be accurate and reflect the true reason for closure.

3. Clarification on why no advance notice or communication was provided.

I feel that the lack of communication and transparency is unfair and not in good faith for a long-term customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I remember this very well the store owner sold me a phone that was garbage in use my credit to purchase another customer a phone on my same purchase then lied in my identity theft agents from XXXX caught them in notify me that there were XXXX phone purchase a garbage phone and a XXXX on same purchase I called them they wouldn't accept responsibility off actions so it lead on to them lying saying it wasn't so in it was they ask me make police reports- the police station wouldn't allow me to file report at XXXX station so I stop trying I didn't have gas money to keep driving all over the place- the XXXX employees XXXX trying to extort XXXX from my credit for other customers who was persuade them I wasn't going to do Nothing- in don't worry about nothing or nobody not knowing I'm protected by XXXX identity theft agents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
Firstly, I do not have an XXXX account nor have I ever linked to this account which I have stated to them multiple times. I chatted with an XXXX agent on XX/XX/year> @ XXXX to block an XXXX XXXX for a charger of XXXX pics for documentation attached. They sent me new cards so I thought everything was fixed. Then I called again into chime XX/XX/year> this came from an agent telling me very quickly and after I asked multiple times if they kept record of me calling to cancel an XXXX XXXX charge of XXXX and to block the merchant once again. I then called in today XX/XX/year> to block the XXXX account and dispute the XXXX charge on my account because I didnt realize it kept charging me each month on the XXXX again to talking XXXX and chime customer service reps continuously kept hanging up on me. I have attached screenshots of me calling into as well as the chat from XXXX of me attempting to dispute the transaction. I have attached screenshots from the bank transactions as well. If this is not the correct place to send this please forward it to the correct department. I am just a father of XXXX trying to save my money for my kids to eat. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX Equifax, and XXXX XXXX XXXX I am formally disputing and demanding the IMMEDIATE deletion of the following outdated and/or fraudulent addresses from my credit reports. These addresses are incorrect, were never authorized by me, and must be removed to maintain the maximum possible accuracy of my credit profile : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Way XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA 611 : You must conduct a reasonable reinvestigation of disputed information. FCRA 605B : You are required to BLOCK any information resulting from identity theft. FCRA 623 : Data furnishers must provide accurate, verifiable information or remove it. FCRA 616 & 617 : You may be held CIVILLY LIABLE for willful or negligent noncompliance. FACTA & FDCPA : Protect consumers from reporting inaccurate and fraudulent data.

Failure to delete these addresses within 15 DAYS of receipt of this letter will leave me no choice but to pursue ALL available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil litigation for statutory damages. Please provide WRITTEN CONFIRMATION that the above addresses have been deleted from my credit files across all bureaus. This is an URGENT and FINAL demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal dispute of inaccurate, obsolete, unverifiable, and misleading information on my credit file. I demand a complete and thorough investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). 

The following items violate the FCRA and the Metro 2 Credit Reporting Resource Guide. They are severely damaging to my credit reputation and must be deleted immediately. 

XXXX. Incorrect Personal Information Violation of 15 U.S.C. 1681c ( f ) & Data Accuracy My report lists multiple incorrect addresses that are not and have never been associated with me. The only valid address is XXXX XXXX XXXX XXXX XXXX, CA, XXXX. The inclusion of addresses in Nevada ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX and XXXX XXXX XXXX, XXXX, NV, XXXX ) is inaccurate. This fundamental error calls into question the integrity of the entire file and suggests these derogatory accounts XXXX be linked to me in error. 

XXXX. Accounts with Multiple, Conflicting Statuses Violation of Metro 2 & 15 U.S.C. 1681e ( b ) Several accounts are reporting conflicting information across bureaus, which is a clear violation of reasonable procedures to ensure maximum possible accuracy. For example : XXXX XXXX : XXXX XXXX lates with XXXX bureau and XXXX lates with another. This is impossible and proves the data is unverifiable. 

SUN XXXX XXXX : Reports different " Last Activity '' dates ( XXXX XXXX, XXXX vs. XXXX XXXX, XXXX ) and conflicting late payment histories. This inconsistency makes the data inherently unreliable. 

XXXX. Obsolete Information Violation of 15 U.S.C. 1681c ( a ) The FCRA mandates the removal of most negative information after 7 years. The XXXX XXXX account with an Open Date of XX/XX/XXXX, and last activity in XXXX, is nearing the XXXX obsolescence period. Its reporting is on the verge of being unlawful and its continued reporting provides no legitimate value to creditors. 

XXXX. Unverifiable & XXXX Accounts Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Numerous accounts, including collections from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX, list No History is Available for payment history. How can an account be verified as accurate and mine if there is no associated payment data? Furthermore, accounts like XXXX XXXX list a " Last Activity '' date that is after the " Date Opened, '' which is logically impossible and proves the data is erroneous. 

XXXX. Accounts XXXX XXXX Indicators The combination of incorrect addresses I have never lived at and accounts with missing or conflicting data leads me to believe I may be a victim of identity confusion or fraud. These items must be investigated with the heightened scrutiny this suspicion warrants.

Company response to consumer: Closed with non-monetary relief