vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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:
In early XX/XX/XXXX, XXXX separate accounts appeared on my credit reports that I did not authorize, open, or recognize. 

The first is from XXXX XXXX XXXX ( account XX/XX/XXXXXXXX, balance {$660.00}, opened XX/XX/year> ). 

The second is from XXXX XXXX XXXX on behalf of XX/XX/XXXX( account # XXXX, balance {$2000.00}, opened XX/XX/year> ). 

The third is from XXXX XXXXXX/XX/XXXX, which is a closed account showing XXXX late payments. I had no involvement with this account and never applied for or authorized this loan. 

These are fraudulent accounts resulting from identity theft. I have filed a police report and submitted disputes with the credit bureaus. Despite these actions, all three companies continue to report these accounts as valid, causing ongoing damage to my credit and financial reputation. 

I have sent formal written disputes directly to all three companies demanding removal of the accounts and all associated reporting. As of this submission, none of the accounts have been removed. 

This situation is causing unnecessary stress, denial of credit, and reputational harm. I am requesting CFPB assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these fraudulent accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I want to file a complaint with the XXXX credit XXXX  regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-07-06 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: FL

Complaint narrative:
I want to file a complaint with the XXXX credit XXXX  regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
A check us deposit to the capital one bank and for no reason at all they closed the joint account and they and the check are still available for a withdraw and still held in capital one bank never been cash at no other place...... I had a CD account with capital one longer then 36 Months and a XXXX deposit account that i had set up that i cant touch into XXXX can when they close my account they didn't send me aint imformation about these account so now its been a 3 are 4 years now ill im asking to to access my funds asap Thanks and God bless yall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: AR

Complaint narrative:
Complaint Reason : Attempting to collect debt for services not rendered ( XXXX closure ) Company : XXXX XXXX XXXX ( HFD ) and TekCollect Complaint Text : I began a treatment plan with XXXX ( XXXX ) in XX/XX/year> and financed it through XXXX XXXX XXXX ( HFD ). However, XXXX abruptly shut down in XX/XX/year> without fulfilling the treatment or providing the remaining aligners. Despite this, XXXX continued billing me, and now the alleged debt has been sent to a third-party collection agency, XXXX. 
This is an attempt to collect a debt for services that were never rendered. I did not receive the full treatment, nor any ongoing care or supervision past XX/XX/year>. I have attempted to contact XXXX and dispute this, but I am now being pursued by XXXX for a balance on an incomplete and voided service. 
I am requesting that this debt be canceled and removed from any reporting databases. This is a violation of consumer protections, and I am asking the CFPB to investigate and hold the appropriate parties accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been trying to access and transfer my legally held funds from my U.S.-based Chase account while living temporarily in XXXX. Despite at least 22 calls to Chase since XX/XX/XXXX and efforts to verify my identity, often several times a day, Chase has continued to block or cancel transactions and lock me out of my account. 

On Monday, XX/XX/XXXX, my debit card was blocked, and a XXXX EUR ATM withdrawal was declined. Since XX/XX/XXXX, Ive repeatedly been unable to log into the Chase banking app, as it requires verification codes sent via SMS, which I can not receive on my international phone number, which customer service has confirmed repeatedly. This effectively locks me out of managing my account almost every day. 

On XX/XX/XXXX, Chase locked my entire account for several hours. That same day, three international wire transfers were canceled ( estimated amounts : {$1200.00}, {$1500.00}, and {$10000.00} USD exact amounts unknown due to lack of app access ). These were legitimate wires to my own personal French bank account, and I had confirmed my identity multiple times with Chase. The wires were still unsuccessful. 

Also on XX/XX/XXXX, Chase unlinked my bank account from multiple third-party platforms ( XXXX, XXXX, and XXXX ) without my authorization. I received no prior notice or explanation for these actions. 

Ive called Chase customer service and fraud departments. Each time, I was told something differentone agent said the issue was fixed, another said it would be escalated, and another claimed I didnt need to notify travel at all, others said they had added one. None of these calls resulted in resolution. Their claim is that their sophisticated anti-fraud systems are in place to assist me, but in the end, the result is that I can not reliably access or transfer my money, use my debit card, or manage my account. This has caused serious disruption and financial stress. One of the customer service representatives advised to deactivate dual-factor authentification so that I would stop receiving requests for codes and ID verifications. She claims she deactivated it but the situation has just gotten worse. I can now no longer even see my account balances. 

For your information, the combined balance of my checking and savings accounts is around {$22000.00}. The attempted transactions were far below that amount. 

I am requesting that Chase stop flagging my activity as suspicious, restore full access to my account, and allow me to use my funds freely, including completing legitimate international transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Finance Direct LLC.
State: AR

Complaint narrative:
Complaint Reason : Attempting to collect debt for services not rendered ( XXXX XXXX ) Company : Health Finance Direct ( HFD ) and XXXX  Complaint Text : I began a treatment plan with XXXX ( XXXX ) in XX/XX/scrub>XXXX XXXX and financed it through Health Finance Direct ( HFD ). However, XXXX abruptly shut down in XXXX XXXX  without fulfilling the treatment or providing the remaining aligners. Despite this, HFD continued billing me, and now the alleged debt has been sent to a third-party collection agency, XXXX. 
This is an attempt to collect a debt for services that were never rendered. I did not receive the full treatment, nor any ongoing care or supervision past XXXX XXXX I have attempted to contact HFD and dispute this, but I am now being pursued by XXXX for a balance on an incomplete and voided service. 
I am requesting that this debt be canceled and removed from any reporting databases. This is a violation of consumer protections, and I am asking the CFPB to investigate and hold the appropriate parties accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had been scammed shortly after sending the {$700.00} via Amex XXXX. I called American Express right away to request a chargeback, but they told me they couldnt help and that XXXX would have to handle it. They also mentioned that it is not considered a scam. XXXX also refused to take action in holding the funds and said they will investigate but they got back to me and said they cant do anything. 

I never received the product ( a cat ) that I paid for. This was a fraudulent transaction and I acted quickly to report it. Im asking for American Express to reconsider this case and help me recover the funds. It was frustrating that the customer service people kept saying it was not a scam and its not fraudulent when it is. Credit card companies should have better protection for consumers as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
I am submitting this complaint as a second-round escalation under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I filed a formal dispute through the CFPB regarding two late payments reported by XXXX XXXX XXXXXXXX for XX/XX/XXXX and XX/XX/XXXX. In that dispute, I clearly requested that the credit bureau investigate and remove the inaccurate information. 

As of XX/XX/XXXX, my credit report has not changed. This strongly indicates that either no reinvestigation took place, or that the bureau failed to follow its legal obligations under FCRA 611 ( a ), which requires a consumer reporting agency to conduct a reasonable reinvestigation and correct or delete inaccurate information within 30 days.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 607 ( b ), I now formally request : A clear explanation of how the reinvestigation was conducted during the 30-day period A detailed description of all steps taken as part of the reinvestigation process An explanation of why the late payments remain, despite my formal dispute request The failure to act on my dispute constitutes a violation of my rights as a consumer and raises serious concerns about compliance with federal 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 non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: RI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, I looked at my Transunion credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief