vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am disputing the inclusion of a business credit card account ( ending in XXXX ) by JPMorgan Chase Bank , N.A . on my personal credit report. The account was opened in XXXX under a business EIN and was never reported to consumer credit agencies until it became delinquent in XXXX. 

I have made multiple written requests for Chase to provide a signed Cardmember Agreement or documentation proving I personally guaranteed the account. Despite three written responses from Chase ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), they have not provided any documentation supporting personal liability. 

Chase continues to report this account based solely on its delinquency, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request the CFPB to investigate this matter and instruct Chase to either produce proof of personal liability or have the account removed from my personal credit file. 

I have attached all relevant correspondence and dispute letters to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I HAVE BEEN IN CONTACT WITH CAPITAL ONE BANK FOR XXXX FRAUD CAPITAL ONE ACCOUNTS THAT WERE OPENED IN MY NAME AND A BUSINESS CREDIT CARD OPENED IN MY NAME AS IM THE CO SIGNER FOR TRHE BUSINESS ACCOUNT. I DISPUTED THE INQUIRES THE DAY THE WAS APPLIED FOR AND EVEN CONTACTED CAPITAL ONE AND TOLD THEM I DON'T HAVE A CAPITAL ONE ACCOUNT NOR WOULD I HAVE A CAPITAL ONE ACCOUNT, I USED TO BE THE CFO OVER TRANSUNION AND I KNOW AND SAW HOW CAPITAL ONE DONE PEOPLE AND LIED TO THE CREDIT BUREAUS AND CFPB AND FTC CONCERNING CREDIT REPORTING AND TRADE LINE FRAUD, THE HAVE BEEN FINED OVER XXXX XXXX FOR FRAUD AND PREDATORY LENDING. I HAVE DONE EVERYTHING POSSIBLE CAPITAL ONE HAS ASKED ME TO DO. I FILED A POLICE REPORT, I HAVE FILED A IDENTITY THEFT REPORT AND I DISPUTED THE FRAUD INQUIRES THE DAY THEY WERE APPLIED FOR AND CAPITAL EVEN DONE A FULL CHARGE BACK ON EVERY SINGLE CHARGE THAT WAS DONE ON ALL XXXX PERSONAL CARDS. THE POLICE HAS BEEN IN CONTACT WITH CAPITAL ONE AND THEY EVEN STATED IN A REPORT THEY DONE A FULL CHARGEBACK ON EVER SINGLE TRANSACTION AND THEN THE POLICE CONTACTED THE STORES AND COMPANIES THAT THE MONEY WAS PULLED FROM AND THEY STATED IN A STATED TO THE POLICE CAPITAL PULLED ALL THE MONEY BACK AS A FRAUD ACCOUNT OPENED. NOW CAPITAL ONE IS STILL TRYING TO REPORT THESE ACCOUNTS A THEY ARE MINE AND REPORT LARGE BALANCES AND THE ACCOUNTS ARE CLOSED AND CAPITAL ONE PULLED ALL THE MONEY BACK, SO THEY ARE REPORTING A FRAUD BALANCE AND FRAUD ACOUNT. I HAVE FILED LEGAL ACTIONS AGAINST CAPITAL ONE NOW FOR TRYING TO COLLECT MONIES THEY PULLED BACK ON A FRAUD CHARGEBACK. SO TRYING TO CREDIT RUINS AND TRADE LINE FRAUD AND COLLECT MONEY THAT THEY DON'T HAVE A ACCOUNT FOR AND REPORT FRAUD BALANCES, REMEMBER I WAS THE CFO OVER THE LARGEST CREDIT BUREAU IN THE COUNTRY AND DATA COMPANY AND I KNOW THE RIGHT PEOPLE TO CONTACT. I HAVE FILED LEGAL ACTIONS AGAINST CAPITAL ONE BANK NA FOR CREDIT RUINS AND TRADE LINE FRAUD AND DATA FRAUD, CAPITAL ONE REPORTED BACK TO THE FTC AND CFPB THEY AREN'T REPORTING ANY ACCOUNT UNDER MY SS AND NAME TO ANY DATA COMPANY AND CREDIT BUREAU, SO THEY TELLING THE LAW ONE THING AND DO SOMETHING ELSE, EQUIFAX AND EXPERIAN BOTH OFFICE CONSUMER AFFAIRS HAS REPORTED CAPITAL ONE BANK NA FOR TRADE LINE FRAUD AND DATA FRAUD AND RESPONDED BACK FTC AND THE CFPB THAT CAPITAL ONE BACK IS REPORTING THESE ACCOUNTS WHEN THEY RESPOND BACK TO FTC AND CFPB THERE NOT. NOW I HAVE LOST MY HOME LOAN BECAUSE OF CAPITAL ONE BANK NA REPORTING A FRAUD ACCOUNT THAT NO MONEY IS EVEN OWED ON. I HAVE FILE DAMAGES FOR XXXX XXXX FOR CREDIT FRAUD AND TRADE LINE MANIPULATION AND THE LAST TIME I SUED CAPITAL ONE I WON XXXX XXXX FROM THEM IN XXXX  FOR ALLOWING SOMEONE TO GET A AUTO LOAN IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please remove these fraudulent accounts and inquiries from my report immediately.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Investigation and Removal of Unauthorized or Inaccurate Inquiries Dear Equifax XXXX XXXX recently obtained a copy of my Equifax credit report, and I am writing to formally dispute the following inquiries, which I believe are either unauthorized, inaccurate, or unverifiable. 

The following items must be investigated under the Fair Credit Reporting Act ( FCRA ), and any unverifiable or inaccurate information must be deleted from my credit file : XXXX. XXXX XXXX XX/XX/XXXX XXXX do not recognize this lender, and I do not recall authorizing this hard inquiry. 
XXXX. XXXX XXXX / XXXX XXXX XX/XX/XXXX The date of this inquiry appears incorrect. Please verify the exact date with proper documentation, or remove it. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX The Account in Dispute remark is missing or incorrectly reported. Please correct or remove this inquiry if it can not be properly verified. 
XXXX. XXXX XXXX / XXXX XX/XX/XXXX The date of this inquiry appears incorrect. Please provide proof of the correct date, or remove it. 
XXXX. XXXX XXXX via XXXX XX/XX/XXXX I do not recognize this lender, and I did not authorize this hard inquiry. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), you are required to conduct a reinvestigation of these disputed items. If you are unable to verify these inquiries with proper documentation from the creditors, you are required by law to delete them from my credit report. 

Additionally, I am requesting a complete reinvestigation ( credit sweep ) of my entire credit file to ensure that all other inaccurate, outdated, or unverifiable information is removed in compliance with the FCRA. 

Please provide me with the results of your reinvestigation in writing within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Investigation and Removal of Unauthorized or Inaccurate Inquiries Dear Equifax XXXX XXXX recently obtained a copy of my Equifax credit report, and I am writing to formally dispute the following inquiries, which I believe are either unauthorized, inaccurate, or unverifiable. 

The following items must be investigated under the Fair Credit Reporting Act ( FCRA ), and any unverifiable or inaccurate information must be deleted from my credit file : XXXX. XXXX XXXX XX/XX/XXXX XXXX do not recognize this lender, and I do not recall authorizing this hard inquiry. 
XXXX. XXXX XXXX / XXXX XXXX XX/XX/XXXX The date of this inquiry appears incorrect. Please verify the exact date with proper documentation, or remove it. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX The Account in Dispute remark is missing or incorrectly reported. Please correct or remove this inquiry if it can not be properly verified. 
XXXX. XXXX XXXX / XXXX XX/XX/XXXX The date of this inquiry appears incorrect. Please provide proof of the correct date, or remove it. 
XXXX. XXXX XXXX via XXXX XX/XX/XXXX I do not recognize this lender, and I did not authorize this hard inquiry. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), you are required to conduct a reinvestigation of these disputed items. If you are unable to verify these inquiries with proper documentation from the creditors, you are required by law to delete them from my credit report. 

Additionally, I am requesting a complete reinvestigation ( credit sweep ) of my entire credit file to ensure that all other inaccurate, outdated, or unverifiable information is removed in compliance with the FCRA. 

Please provide me with the results of your reinvestigation in writing within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
I refinanced my auto loan with a new lender ( XXXX ) on XX/XX/XXXX, and the payoff check was sent to Mazda Financial Services shortly after. There was an initial delay from XXXX, but that was resolved, and the check was mailed by the end of the following week. According to XXXX tracking, the check was delivered on XX/XX/XXXX, and I have confirmation it was received at the address Mazda Financial Services  provided. 

As of today, XX/XX/XXXX, the loan is still showing as open, and the balance has not been cleared. I have contacted Mazda Financial Services over 10 times, provided proof of delivery, and confirmed that the correct address was used. Each time, I am told to wait while they locate the check the same check that tracking shows was delivered three weeks ago. 

This delay is now impacting my ability to fully transition to the new loan, with my first payment due on XX/XX/XXXX. Im growing more concerned about potential effects on my credit, duplicate interest charges, and short-term financial strain. This was meant to be a financial help leading up to my wedding on XX/XX/XXXX, not the most stressful thing I'm dealing with. 

Im requesting that Mazda Financial Services immediately apply the payoff check, close the account, and issue documentation confirming the loan is paid in full. Their customer service has been extremely poor, forcing me to act as the middleman between both institutions for weeks without resolution. The negligence and lack of follow-through have caused unnecessary emotional and financial stress. At this point, I need a resolution whether that means cashing the existing payoff check and issuing a refund for any overpayment, or coordinating with my new lender to send a replacement via direct wire.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

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  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-18 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn't look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer 's request for a report of such investigations within 15 days. Where is it? 
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 2025-07-18 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: SC

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 2025-07-18 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: MD

Complaint narrative:
While reviewing my Experian Credit Report, I discovered a Credit Card account listed for XXXX XXXX Bank. I did not open or authorize any accounts with XXXX XXXX Bank. The account number is ( XXXX ), and the balance listed is {$1300.00}. The date shows XX/XX/year>. The status is showing charged off. I have reported this account as not mine. I am not legally responsible for this credit card account. Experian will not reinvestigate the matter. No documentation has been provided to show proof of this account.

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 2025-07-18 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: MD

Complaint narrative:
While reviewing my Experian Credit Report, I discovered a Credit Card account listed for XXXX XXXX Bank. I did not open or authorize any accounts with XXXX XXXX Bank. The account number is ( XXXX ), and the balance listed is {$1300.00}. The date shows XX/XX/year>. The status is showing charged off. I have reported this account as not mine. I am not legally responsible for this credit card account. Experian will not reinvestigate the matter. No documentation has been provided to show proof of this account.

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 2025-07-18 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: IL

Complaint narrative:
XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplaintXXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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