vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Problem with a company 's investigation into an existing problem Companies Involved : Experian Information Solutions , Inc. ; Equifax Information Services, LLC ; TransUnion LLC Original CFPB Case Numbers ( Open ) : XXXX ( Equifax ) XXXX ( Experian ) XXXX ( TransUnion ) This complaint consolidates all three credit reporting agencies ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding their failure to investigate and correct fraudulent information related to identity theft on my credit reports. Each bureau has far exceeded the statutory deadlines established by federal law. 

I previously provided complete documentation to each, through my prior CFPB filings, including : An official FTC Identity Theft Report ; A copy of my governmentissued ID and proof of address ; and A list of fraudulent accounts and inquiries requiring deletion. 

Despite receipt of these materials, Experian, Equifax, and TransUnion have failed to block the identitytheftrelated data or conduct a reasonable reinvestigation within the allowed time. 

Violations of Federal Law FCRA Section 611 ( 15 U.S.C. 1681i ) : Each bureau was required to complete a reasonable reinvestigation within 30 days of receiving notice of a dispute and accompanying documentation. This period may extend to 45 days only if the consumer provides additional evidence during that window, which did not occur here. All three bureaus are well past the 30day limit.

FCRA Section 605B ( 15 U.S.C. 1681c2 ) : Each bureau must block reporting of information resulting from identity theft within four business days of receiving valid identitytheft documentation. None have complied with this fourday requirement, continuing to report fraudulent information.

FCRA Section 623 ( a ) ( 6 ) : Each bureau continues to publish information that they know, or reasonably should know, resulted from identity theft a breach of their obligation to ensure maximum accuracy and prevent continued harm to consumers.

15 U.S.C. 1681n Civil Liability for Willful Noncompliance : Their refusal to remove verifiably fraudulent entries after ample documentation may constitute willful violations, subject to civil penalties under federal law.

Pattern of Violations CFPB enforcement records show that the credit reporting agencies have been repeatedly cited for similar misconduct. Notably, CFPB v. Equifax ( 2025 ) confirmed failures to investigate, reinserting deleted inaccuracies, and withholding meaningful responses to consumers. CFPB findings also affirm that credit bureaus must delete disputed, unverifiable, or identitytheftrelated information per FCRA standards

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Problem with a company 's investigation into an existing problem Companies Involved : Experian Information Solutions , Inc. ; Equifax Information Services, LLC ; TransUnion LLC Original CFPB Case Numbers ( Open ) : XXXX ( Equifax ) XXXX ( Experian ) XXXX ( TransUnion ) This complaint consolidates all three credit reporting agencies ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding their failure to investigate and correct fraudulent information related to identity theft on my credit reports. Each bureau has far exceeded the statutory deadlines established by federal law. 

I previously provided complete documentation to each, through my prior CFPB filings, including : An official FTC Identity Theft Report ; A copy of my governmentissued ID and proof of address ; and A list of fraudulent accounts and inquiries requiring deletion. 

Despite receipt of these materials, Experian, Equifax, and TransUnion have failed to block the identitytheftrelated data or conduct a reasonable reinvestigation within the allowed time. 

Violations of Federal Law FCRA Section 611 ( 15 U.S.C. 1681i ) : Each bureau was required to complete a reasonable reinvestigation within 30 days of receiving notice of a dispute and accompanying documentation. This period may extend to 45 days only if the consumer provides additional evidence during that window, which did not occur here. All three bureaus are well past the 30day limit.

FCRA Section 605B ( 15 U.S.C. 1681c2 ) : Each bureau must block reporting of information resulting from identity theft within four business days of receiving valid identitytheft documentation. None have complied with this fourday requirement, continuing to report fraudulent information.

FCRA Section 623 ( a ) ( 6 ) : Each bureau continues to publish information that they know, or reasonably should know, resulted from identity theft a breach of their obligation to ensure maximum accuracy and prevent continued harm to consumers.

15 U.S.C. 1681n Civil Liability for Willful Noncompliance : Their refusal to remove verifiably fraudulent entries after ample documentation may constitute willful violations, subject to civil penalties under federal law.

Pattern of Violations CFPB enforcement records show that the credit reporting agencies have been repeatedly cited for similar misconduct. Notably, CFPB v. Equifax ( 2025 ) confirmed failures to investigate, reinserting deleted inaccuracies, and withholding meaningful responses to consumers. CFPB findings also affirm that credit bureaus must delete disputed, unverifiable, or identitytheftrelated information per FCRA standards

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 2025-10-22 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: GA

Complaint narrative:
I opened up a secured credit card to start trying to build credit through capital one. I was doing well the first few months. I went to a rehab facility where I was not allowed to use my phone and the payments were not drafted out. By the time I got my phone back after XXXX  months they had closed my account. It was a secured card so there was not much owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am the sole borrower on a Bank of America mortgage. Recently, I discovered that the bank issued a payoff statement without my knowledge or authorization. 
The payoff request was submitted using a forged signature my ex-wife signed my name to obtain confidential loan information. She is listed on the title only, not the mortgage. 
I contacted Bank of Americas mortgage servicing and compliance departments to request ( a ) the date of the payoff request, ( b ) who made it, and ( c ) a copy of the authorization or signature used. 
The bank refused to provide any documentation, despite my being the only borrower on the loan. This constitutes : A violation of Regulation P ( 12 CFR 1016 ) under the XXXX XXXX which requires protection of non-public personal financial information. 
A breach of XXXX XXXX XXXX XXXX ( Forgery ), since the authorization used my falsified signature. 
The unauthorized release of my payoff information has already caused serious financial harm, including damage to my credit, collection calls, and potential misuse of my personal financial data. 
I have written to Bank of Americas Compliance / Privacy Office and XXXX XXXX XXXX, requesting written confirmation of what was released and a copy of the forged authorization. They have refused to provide that documentation. 
I am requesting that the CFPB : Require Bank of America to disclose to me who requested the payoff, what document was used, and when it was released. 
Determine whether Bank of America violated Regulation P by disclosing confidential borrower information to an unauthorized party. 
Ensure the bank implements a privacy hold so no further disclosures occur without my notarized written consent. 
I am happy to provide copies of my letters to the bank, call logs, and proof that the mortgage is solely in my name.

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 2025-10-22 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: CA

Complaint narrative:
XX/XX/XXXX mobile number XXXX compromised. XX/XX/XXXX reported to Chase bank XXXX Department. XX/XX/XXXX I visited a bank branch in person, and staff helped me print out my transaction records showed pending transaction. The transaction was still pending at the time, and if the bank had processed it promptly, the funds should have been recovered. Chase bank was fraudulently accessed and {$2400.00} XXXX send " XXXX XXXX balance add XXXX XXXX XXXX XXXX was stolen via unauthorized transaction. Hacker hacked into my account and gain access to my account. I was not notified of any login attempts or verification codes during this time. I discovered the fraud promptly and reported it to XXXX and the police : XXXX XXXX XXXX XXXX Report number " Fraud '' despite clear evidence of identity theft and unauthorized access, the bank denied my reimbursement claim, stating that the transactions were " authorized '' or that my credentials were used. I did not authorize these transactions. did not share my login details or codes and did not receive any authentication messages. Did not have XXXX cash account. The transfers were clearly abnormal and inconsistent with my banking behavior. I am seeking assistance from CFPB to resolve this matter Faily and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed late payments listed on DISCOVER CARD that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing these payments were legitimately 30 days late. 
I am requesting a full investigation and verification of the late payment. If creditor is unable to provide sufficient evidence, a am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear XXXX I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf. 
Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. 
The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 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 am expecting Experian to take all necessary action to correct and block this information as ordered by law. 
l from now on 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 Experian to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, 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.

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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
UPDATED : Despite my existing XXXX XXXX policy, the lender force-placed an insurance policy on my account after a representative confirmed receipt of my policy information. I am disputing the lender-placed insurance on my account. I maintained continuous homeowner 's insurance through XXXX XXXX, and a representative previously confirmed our company 's receipt of my policy information. The force-placed policy was therefore placed in error. Email from my agent at XXXX XXXX : " Attached you will find the previous policys as well as the current policy. Please update and send confirmation. The Forced place insurance should have never been charged. Both the client and myself have provided documentation of such several times. Please follow up with us and send confirmation of processing. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
Hello, my name is XXXX XXXX in reference to my consumer file.

I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. 
Under my rights provided by the FCRA-specifically sections 602, 607, and 611-as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified at the furnisher level. 
Please note, if this request is not honored, I will be filing formal complaints with the CFPB, the FTC, and the Attorney General 's Office. 
So l 'd like you to confirm : Will you open an investigation and remove all unverifiable items from my credit report

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 2025-10-22 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

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 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