vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Boss added me to company capital one credit card. This has apparently completely linked my personal capital one card to the company card. When you change the address in one, it changes it in the other, etc. Changes of phone number and email also change it within both accounts.

( Boss also added co-worker to company card, using her married name. She has an existing capital one card in her maiden name and he was able, by phone, to get capital one to change the password on her Personal capital one card, because the accounts are now linked ) What's worse is that capital one will not Unlink these accounts per my request- they say boss has to call in. Apparently once somebody uses your SSN and DOB to add you to their card, you have no right to break that link. This is inappropriate and I am confident it breaks some rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Employees at XXXX XXXX forged my signature to open up an account with the lender. The lender will not remove or cancel the fraudulent loan. I did contact the police and I filed a police report. I do have proof the documents were signed while I wasn't present at the time of signing. I did not authorize this loan at all. The contract sent in to the lender does not have my signature, it was forged. The signature was forged remotely by someone with the IP address : ( XXXX ) I was no where near and the IP address belongs to a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Employees at XXXX XXXX forged my signature to open up an account with the lender. The lender will not remove or cancel the fraudulent loan. I did contact the police and I filed a police report. I do have proof the documents were signed while I wasn't present at the time of signing. I did not authorize this loan at all. The contract sent in to the lender does not have my signature, it was forged. The signature was forged remotely by someone with the IP address : ( XXXX ) I was no where near and the IP address belongs to a business.

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 2025-06-28 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: OneMain Finance Corporation
State: NY

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now showing up on my credit report. I filed an FTC identity theft report, a police report, submitted my ID and proof of address, and uploaded everything through XXXX  XXXX. Yet the accounts are still there, and no one has taken action. 

Whats even worse my report now shows multiple incorrect Social Security numbers that do not belong to me. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which clearly states that fraudulent items must be blocked within 4 business days once a valid identity theft report is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: OK

Complaint narrative:
Account balances wrong. Payments not being calculated towards the balance, accounts that I have no knowledge of

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
For the past year since about XX/XX/year>, Comenity Bank has been using multiple phone numbers to harass me to pay a bill when I pay bills for them monthly. They just went back to using multiple phone numbers and calling twice a day, even when I block said numbers. They have also used unknown numbers to call family members threatening court orders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AZ

Complaint narrative:
Please see the supporting documentation pertaining to the Equifax Data Breach.

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 2025-06-28 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: MI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-06-28 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate bankruptcy entry listed on my credit report. According to my Experian report, there are XXXX XXXX  XXXX bankruptcies recorded : XXXX. Bankruptcy XXXX XXXX - Dismissed ( Date Filed : XX/XX/XXXX, Reference # : XXXX ) XXXX. Bankruptcy XXXX  XXXX - XXXX ( Date Filed : XX/XX/XXXX, Reference # : XXXX ) These XXXX records are from the same court ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and refer to the same filing event. The first filing was dismissed and subsequently refiled correctly. The second filing was successfully discharged. Having both listed is misleading and inaccurately suggests multiple bankruptcies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that the dismissed bankruptcy entry be removed from my credit report as it is not an accurate representation of my credit history. 

I have enclosed a copy of my identification and supporting documentation from the court for your review. Please investigate this matter and provide a written response confirming the results of your investigation. 

Thank you for your time and assistance. 

Sincerely, 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 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
This was paid when I canceled my service with XXXX person. I talk to his name was XXXX saying I did not owe anything else to XXXX. Next thing you know it Im getting this collection company saying that I owe them this money when I dont owe anything to them they never can prove that I owe it, but they will not remove it from my credit report. I have tried for two years now to get this removed. Have filed many disputes with XXXX  and they always come back with dispute is valid. It cant be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
Please remove these fraudulent account due to Equifax data breach identity theft. 

I am a victim of Data Breach. Please, block and delete the account within 4 business days as required by FCRA 605B15 U.S.C. 1681c2. 15 USC 1681b, I request this account be removed, I have no know knowledge. Please find ftc report attached. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX { Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
Violations include : Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I have not provided consent or authorization for any entities to report and/or disclose information about me for any purpose. Under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6802, there is an obligation of confidentiality on financial institutions with respect to consumer information. I have not signed or provided an authorization for any entity to disclose my private information with any non-affiliated third party for any purpose, whether in electronic form or hard copy. The disclosure of my information and the reporting of my information without my consent or authorization is illegal and constitutes a blatant violation of consumer privacy protection laws. In relation to the Equifax , Inc . Customer Data Security Breach Litigation in the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ( Case No. XXXX ), it is the responsibility of your agency to protection laws. In relation to the Equifax , Inc . Customer Data Security Breach Litigation in the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ( Case No. XXXX ), it is the responsibility of your agency to protect the rights of consumers like myself. 
The information is frivolous and needs to be removed, I have never authorized the account. 
Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX : XXXX # XXXX. XXXX {$3200.00} XXXX XXXX XXXX XXXXXXXX : XXXX # XXXX. Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX : XXXX : # XXXX. Balance : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive have several notifications on my account been passed due. If it wasnt for Experian notifications .My account would still be unpaid.As soon my account was flagged I started receiving phone calls, and emails after the fact. 90/120 days flagged on 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 2025-06-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now showing up on my credit report. I filed an FTC identity theft report, a police report, submitted my ID and proof of address, and uploaded everything through XXXX  XXXX. Yet the accounts are still there, and no one has taken action. 

Whats even worse my report now shows multiple incorrect Social Security numbers that do not belong to me. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which clearly states that fraudulent items must be blocked within 4 business days once a valid identity theft report is submitted.

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 2025-06-28 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now showing up on my credit report. I filed an FTC identity theft report, a police report, submitted my ID and proof of address, and uploaded everything through XXXX  XXXX. Yet the accounts are still there, and no one has taken action. 

Whats even worse my report now shows multiple incorrect Social Security numbers that do not belong to me. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which clearly states that fraudulent items must be blocked within 4 business days once a valid identity theft report is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following accounts that appear on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Status : Account charged off. {$6700.00} written off. {$6400.00} past due as of XX/XX/XXXX. 

TD BANK USA/TARGETCREDIT Date Opened : XX/XX/XXXX Balance : {$780.00} Status : Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 

XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. ( Still showing as under dispute ) XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Status : Account charged off. {$630.00} written off. {$630.00} past due as of XX/XX/XXXX. 

These accounts were never opened or authorized by me. They are fraudulent and must be removed. 

Failure to Resolve Within 30 Days : By law, disputes must be resolved within 30 days under FCRA 611 ( 15 U.S.C. 1681i ). These accounts remain marked Under Dispute well beyond the 30-day investigation window. Since no resolution or verification has been provided within the required timeframe, you are now legally obligated to remove these items from my credit report.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and delete these fraudulent items.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification. This includes : Full documentation Signed agreements Any evidence that proves I authorized these accounts If no such verification can be produced, the accounts must be permanently removed. 

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation : I have attached the following : A copy of my identity theft report ( police report or FTC affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill ) Requested Actions : Immediate removal of all fraudulent accounts and inquiries. 

Debt verification from furnishers for each disputed account. 

Written confirmation that the items have been deleted. 

Proof that the furnishers have been notified to cease reporting. 

A new copy of my credit report reflecting all corrections.

Company response to consumer: Closed with explanation