vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Name : XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Services consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I do not recognize the following accounts in question. I am a victim of identity theft and I do not recognize these accounts on my report. I am requesting that the above information be deleted immediately from my Early Warning Services consumer report. I have attached a copy of my report to support this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-27 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: MI

Complaint narrative:
I DID NOT GIVE THESE COMPANIES CONSENT TO HAVE MY INFORMATION. 

These companies are in violation of these UNITED STATES CODE of LAW- 15 USC 1666 ( b ) 15 USC 1681 ( n ) 15 USC 1692 ( g ) This is fraud and this illegal. DELETE/REMOVE ACCOUNTS. DELETE/REMOVE LATE PAYMENTS.

DELETE/REMOVE HARD INQUIRIES.

I have been violated by these companies. 

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 2025-12-27 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: MI

Complaint narrative:
I DID NOT GIVE THESE COMPANIES CONSENT TO HAVE MY INFORMATION. 

These companies are in violation of these UNITED STATES CODE of LAW- 15 USC 1666 ( b ) 15 USC 1681 ( n ) 15 USC 1692 ( g ) This is fraud and this illegal. DELETE/REMOVE ACCOUNTS. DELETE/REMOVE LATE PAYMENTS.

DELETE/REMOVE HARD INQUIRIES.

I have been violated by these companies. 

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I applied for a {$1000.00} personal loan with my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained during the phone application that my work as a XXXX had temporarily slowed and that I had not had a client for over a month. I also disclosed that I am scheduled to start a new job on XX/XX/XXXX, and I was told by the loan representative that my situation would be explained to underwriting and that I might be asked to provide an employment offer letter. I specifically requested the lowest loan amount available.

Approximately two hours later, I had not received any follow-up, so I contacted the branch for an update. I was informed that the individual who declined the loan was unavailable to speak with me. Two staff members emailed him on my behalf, but I was repeatedly told he was unavailable. I called the office multiple times throughout the day and was told I would receive a call back, but no return call was made.

The loan was declined without any request for additional documentation or verification. I was first told the denial was due to no credit, which is inaccurate. I was then told it was due to high credit amounts owed. My only debt consists of federal student loans ( while actively enrolled in school ) and a {$300.00} XXXX XXXX credit card, which was recently at its limit due to my temporary loss of work. My credit score had recently decreased slightly because of utilization, and the purpose of the loan was to pay down this balance, cover rent, and manage transportation expenses until I receive my first paycheck.

I believe the loan decision may not have been made in good faith, as no verification or follow-up was requested despite my explanation and willingness to provide documentation. Additionally, I was not given the opportunity to discuss or clarify the decision with the individual who declined the loan, despite repeated attempts to contact him.

Since the loan application resulted in a credit inquiry, I am requesting that the decision and the credit impact be reviewed and disputed if appropriate, especially given the lack of communication and consideration of my disclosed circumstances.

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 2025-12-27 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: EQUIFAX, INC.
State: GA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC
State: IL

Complaint narrative:
My credit reports contain inaccurate and inconsistent personal information, including multiple name variations that I have never used or no longer use. These inaccuracies create a high risk of a mixed or fragmented credit file and violate the requirement under the Fair Credit Reporting Act ( FCRA ) that consumer reporting agencies maintain maximum possible accuracy. 

In addition, several accountsparticularly student loan accounts that were transferred or closedare reported inconsistently across XXXX XXXX XXXX XXXX Some accounts show late payment history, balances, or statuses that are incorrect or continued to be reported after the accounts were transferred, paid, or closed. The same accounts are reported differently by each bureau, indicating a failure to properly verify the accuracy of the information. 

I have disputed these inaccuracies, yet the incorrect information continues to appear, suggesting that the companies involved did not conduct a reasonable reinvestigation as required by law. I am requesting that all inaccurate personal information be corrected or removed, and that any account information that can not be fully verified as accurate be deleted from my credit reports.

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 2025-12-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I experienced ongoing issues attempting to close my Certificate of Deposit ( CD ) with Capital One, despite making multiple attempts through both their online system and customer service. 

Capital One provides an online option to request that a CD be closed at maturity and the funds transferred to a selected account. I attempted this multiple times on various dates using both the mobile app and a web browser. After selecting the option to close the CD at maturity and choosing a destination account, clicking Confirm resulted in no responseno confirmation or error messageindicating a system failure. 

I then contacted Capital One by phone and was told that early closure would result in a penalty. I explained that I was attempting to schedule a closure at maturity using the online option, but the system did not work. I was told this could not be scheduled in advance ( despite being presented as an option online ) and that I needed to call once the CD reached maturity. I was informed there would be a 10-day penalty-free grace period. 

Following these instructions, I called on XX/XX/XXXX, the day before maturity, and again on XX/XX/XXXX, the maturity date, requesting that the CD be closed and the funds transferred to my XXXX XXXX account. I was told the account would be closed the following day and that the funds would transfer within XXXX business days. 

Instead, on XX/XX/XXXX, I received an email stating that my CD had been successfully renewed, which was not what I requested. 

On XX/XX/XXXX, I called to check the status and spoke with XXXX ( XXXX ID # XXXX ), who informed me there was an error transferring the funds. I received no prior notification of this issue. He resubmitted the request and told me to call back the next day. 

When I called again on XXXX XXXX days into the penalty-free grace periodI was told there was another error and that the funds could not be transferred electronically. I was informed the account was closed and that I would be sent a check by mail within XXXX business days. This was my fifth call requesting closure, and despite repeated assurances, the transfer to my external account never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: KY

Complaint narrative:
I submitted multiple written disputes to the credit reporting agencies requesting investigation, validation, and verification of inaccurate information appearing on my credit report. Despite these disputes, I did not receive proper responses, and there has been no correction, deletion, or verification of the inaccurate information being reported across multiple data fields. 

Several accounts continue to report inconsistently across the three credit bureaus, with some accounts being deleted by one bureau while remaining on others without explanation or supporting documentation. This reflects a failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Additionally, my credit report contains unauthorized credit inquiries that I did not initiate or approve. These inquiries remain unverified and have not been removed despite being formally disputed. 

Due to the lack of response and failure to properly investigate, I recently submitted additional Metro 2-compliant dispute letters requesting immediate verification or removal of the inaccurate accounts and unauthorized inquiries. To date, the inaccurate information remains unchanged. 

I am requesting regulatory assistance to ensure these accounts and inquiries are either properly verified with supporting documentation or permanently removed in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Payactiv, Inc.
State: OH

Complaint narrative:
name is XXXX XXXX, and I am filing a formal complaint against XXXX regarding an over-deduction from my paycheck. 

On XX/XX/XXXX, XXXX deducted {$320.00} from my paycheck. This deduction exceeded the amount that was authorized or expected and caused immediate financial hardship. 

I first contacted XXXX regarding this issue on XX/XX/XXXX, prior to the paycheck deduction. I submitted all requested documentation between XX/XX/XXXX and XX/XX/XXXX. Despite timely communication and full cooperation, XXXX failed to prevent the over-deduction and has not resolved the issue since it occurred. 

After the deduction, I contacted XXXX multiple times to dispute the error and requested escalation to a supervisor or dispute resolution team. I have repeatedly been told that XXXX is working on it, but I have not received any meaningful update or resolution. 

XXXX has failed to : Provide a clear explanation of how or why the over-deduction occurred Identify what department is handling my dispute Provide a timeline for resolution Reimburse the excess funds deducted from my paycheck Provide a clear case resolution or accountability As of the date of this complaint, the {$320.00} over-deduction remains unresolved, and XXXX has demonstrated a lack of transparency and timely dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, my avant account was compromised as a result of an " unauthorized port out of my cell number ''. ( There is information about this type of fraud on the FTC website. They explain it better than me. ) The fraudsters had access to ALL of my online accounts and had control over my phone and email so they used digital wallets, checking account information, XXXX and XXXX accounts. They also got my driver 's license number and opened apps in my name. 
I had to shut down my previous phone ( XXXX ) and my previous email ( XXXX ) because the fraudster had control. I was able to completely shut down the cell number but they may still be using my old email. 
I notified all of my credit card companies on XX/XX/XXXX XXXX, including Avant credit card As of today, Avant is allowing my old telephone number and password to access my online credit card account. I called and explained ( again today - XX/XX/year> ) that the fraudsters have this information and avant keeps telling me to wait 5 business days to update it, BUT THE FRAUDSTERS HAVE ACCESS to my online account ( and XXXX  ). I just want my online account secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, two unauthorized transactions totaling {$920.00} appeared on my Chase debit card ending in XXXX ( account ending in XXXX ) : {$500.00} at XXXX XXXX XXXX XXXX XXXX ( XXXX ), merchant category : XXXX XXXX XXXX XXXX XXXX 
{$420.00} at XXXX XXXX XXXX XXXX ( XXXX XXXX ), merchant category : XXXX XXXX XXXX XXXX XXXX 

These were processed via XXXX XXXX, but I did not authorize them. I was physically in XXXX, XXXX XXXX XXXX, at the timethousands of miles from both merchants. I discovered the charges shortly after and reported them to Chase on XX/XX/year>, as fraud ( claim number XXXX ). 

Chase investigated and denied the claim in a letter dated XX/XX/year>, stating : " We found that the transaction ( s ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. '' They offered to provide research details upon request, but their conclusion is incorrect because : I was not in XXXX on XX/XX/XXXX. My travel itinerary confirms I flew from XXXX ( XXXX ) to XXXX, XXXX ( XXXX ) on XXXX  XXXX XXXX on XX/XX/year> ( depart XXXX, arrive XXXX ), and returned from XXXX  to XXXX  on XXXX on XX/XX/year> ( depart XXXX, arrive XXXX ). I remained in the XXXX through XX/XX/XXXX and beyond. Attached is the XXXX itinerary email and e-ticket PDF as proof. 

The merchants are in-person clothing stores in XXXX and XXXX, XXXX physical presence for XXXX XXXX taps ( XXXX online with geolocation verification ). I have no connection to these locations or purchases. My debit card and phone were secure ; no unusual XXXX ID logins or Wallet activity. 

I submitted a rebuttal to Chase on XX/XX/year>, via certified mail and secure message, providing the travel evidence and requesting their investigation docs ( which I still haven't received ). Chase has not responded or reversed the denial. 

This violates Regulation E ( 12 CFR 1005 ), which limits my liability for unauthorized electronic fund transfers to {$50.00} if reported timely ( I reported within 60 days of the statement ). Banks must credit accounts for proven unauthorized transactions and provide evidence for denials. 

I've suffered financial harm from the {$920.00} loss and time spent disputing. Chase 's failure to properly investigate and credit my account is unreasonable given the clear location mismatch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Kimball, Tirey & St. John LLP
State: IL

Complaint narrative:
I am a victim of identity theft. A collection account from XXXX XXXX XXXX XXXX ( {$3400.00} ) and several credit inquiries appeared on my TransUnion report. I disputed this multiple times, and although it was temporarily removed, it was later reinserted. I have filed an FTC Identity Theft Report and a police report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested that the credit bureaus block this fraudulent information. Despite providing the required documentation, the credit bureaus have not permanently blocked it and have allowed reinsertion without proper notice. This is a direct violation of 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
I am seeking assistance in correcting a reporting error on my recently paid-off student loan. Despite a long history of timely payments, a 90-day delinquency was incorrectly reported just as the account was closed. I have made several attempts to resolve this directly with the lender since XXXX, but I have been given conflicting information and no resolution. Because my credit report confirms my history of on-time payments, I ask that you step in to ensure this error is corrected and my account reflects its true, positive status.

Company response to consumer: Closed with explanation