vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
The following accounts are no longer in dispute. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX -Balance {$210.00} XXXX  # XXXX - Date Opened XX/XX/XXXX -- Balance {$20.00} XXXX XXXX # XXXX - Date Opened XX/XX/XXXX -Balance {$1300.00} DEPT OF XXXX XXXX XXXX - Date Opened XXXX {$1100.00} DEPT OF EDUCATION/XXXX # XXXX - Date Opened XX/XX/XXXX -Balance {$2500.00} XXXX OF EDUCATION/XXXX # XXXX - Date Opened XX/XX/XXXX -Balance {$3800.00} DEPT OF EDUCATIONXXXX XXXX XXXX - Date Opened XX/XX/XXXX -Balance {$2400.00} DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX -Balance {$3900.00} DEPT OF EDUCATION/XXXX # XXXX - Date Opened XX/XX/XXXX XXXX {$2400.00} Unauthorized inquiry : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Equifax Information Services LLC Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. 
Fraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXXXXXX XXXX XXXX reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. 
These accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided.

Enclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. 
Failure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.

I declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Equifax Information Services LLC Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. 
Fraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXXXXXX XXXX XXXX reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. 
These accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided.

Enclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. 
Failure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.

I declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. 
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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> At Chase branch with ATM XXXXXXXX XXXX XXXX XXXXXXXX at California, I opened 1 Chase total checking account and 1 Chase Savings account. Because I received a promo for {$900.00} bonus for qualifying several conditions. The banker who helped me open account name was 'May ' or 'Merin ' .

I sufficed all the condition for {$900.00} bonus, but bonus money was not deposited. 

On XX/XX/year> I went to the Chase branch with ATM XXXXXXXX XXXX XXXX XXXX at California. The banker XXXX XXXX XXXX XXXX  ' said she had a busy day on XX/XX/year>. She said she even left a note to apply promo code to my bank account. Also she said it is her fault, she will talk with her manager and get back to me on XX/XX/year>. 

On XX/XX/year> I didn't receive any call or email any notification. So XXXX min before bank closes I ran to bank and talked to 'May ' or 'Merin ' XXXX 
She again said she had a busy day. But this time she changed her word. She said it turns out to be not her fault. She said on the day of account opening there was a systems error. So it is not her fault. 

So I talked to her manager XXXX XXXX XXXX <Branch manager> Vice president XXXX XXXX Phone : XXXX email : XXXX The manager said 'it is not XXXX 's fault. On the day of my bank account opening, there was a system error across multiple branches. So I asked whether I can take money out and still receive the bonus, because I already sufficed the 90 day condition. But the manager said " No. if you do that, you might not receive the bonus '' I asked, " then when does the bonus money come in? ". manager said " I have to talk to my manger, it might take several weeks. '' This is ridiculous.

First, they knew there was systematic error in there system for the bonus but they did not notify the customers but made me come to the branch and ask about it. I am curious how many customers did get this error but still not know? Given Chase is a big bank, Multiplying {$900.00} by number of customers who received this bonus error. The total money they can invest with this so called systematic error would be a lot.

Second, their narrative or story changes every time I talk to them. Now the manger says he has to talk to his manager and it might take several weeks. I can't trust these people. 

Third, this seem to happen quite nation-wide. I saw a similar reddit post and here is the link : https : XXXX If this is happening nation-wide, this is a terrible scam & fraud, imagining how many customers they hook with this bonus fraud, and them investing this unpaid bonus to stocks to make money make money. This should be stopped. 

I am also curious whether they contacted the customers who got error at all! 
Or Was this " systems error story '' a lie? Just trying to delay the process?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Subject : Request for Records of Consumer Dispute FCRA 609 / 611 Dear XXXXBarclays Bank Delaware , I am formally requesting copies of all records related to my consumer file, including but not limited to : Any consumer disputes ( by phone, online, or mail ) that I initiated regarding a Barclays Bank Delaware XXXX XXXX XX/XX/XXXX I'm specifically requesting the records from XX/XX/XXXX through XX/XX/XXXX Under the FCRA and CFPB rules, XXXX is required to keep records of disputes ( even by phone ). 

Internal notes, investigation results, correspondence, and communications with Barclays in connection with my dispute ( s ) Any documents furnished to or received from Barclays Bank Delaware in connection with this matter This request is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ). Please provide all responsive records within the required statutory timeframe.

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 2025-10-02 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:
b'I am sending this complaint disputing the accuracy and validity of the following information listed on my credit report. I assert that these information are inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act (FCRA), I have the right to request a full investigation and to demand that any unverifiable, inaccurate, or outdated information be corrected or, if it cannot be verified, removed from my credit profileXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nUnder the FCRA, the following provisions apply to this dispute:\n\n607(b) (15 U.S.C. 1681e(b)) requires credit bureaus to assure maximum possible accuracy of the information they report.\n\n611 (15 U.S.C. 1681i) grants me the right to dispute inaccurate or unverifiable information and requires you to conduct a reasonable reinvestigation.\n\n623(a)(1)(A) (15 U.S.C. 1681s-2) prohibits furnishers from reporting information they know or should know is inaccurate.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
To Whom It May Concern at Experian, I am formally disputing the reporting of accounts that appear on my credit report under my name. I did not authorize these accounts, nor did I submit any application or request that would allow these accounts to be reported as mine. These accounts are inaccurate and must be deleted from my credit report immediately. 
I have attached an affidavit detailing the specific accounts I dispute. Please treat this affidavit as part of my official dispute under the Fair Credit Reporting Act ( FCRA ). 
I want to make clear that courts have already held Experian responsible in situations like mine. In Younger v. Experian Information Solutions, a jury initially awarded the plaintiff {$5000.00} in compensatory damages and {$3.00} million in punitive damages because Experian failed to reasonably investigate and correct false information that did not belong to her. This case, along with other lawsuits, proves that consumers like me are harmed when Experian fails to properly investigate or allows unauthorized and inaccurate accounts to remain. 
I demand that Experian conduct a full and fair reinvestigation, remove the unauthorized accounts, and correct my credit file immediately. Failure to do so will leave me no choice but to pursue all legal remedies available. 
Respectfully, _________________________

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 2025-10-02 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:
To Whom It May Concern at Experian, I am formally disputing the reporting of accounts that appear on my credit report under my name. I did not authorize these accounts, nor did I submit any application or request that would allow these accounts to be reported as mine. These accounts are inaccurate and must be deleted from my credit report immediately. 
I have attached an affidavit detailing the specific accounts I dispute. Please treat this affidavit as part of my official dispute under the Fair Credit Reporting Act ( FCRA ). 
I want to make clear that courts have already held Experian responsible in situations like mine. In Younger v. Experian Information Solutions, a jury initially awarded the plaintiff {$5000.00} in compensatory damages and {$3.00} million in punitive damages because Experian failed to reasonably investigate and correct false information that did not belong to her. This case, along with other lawsuits, proves that consumers like me are harmed when Experian fails to properly investigate or allows unauthorized and inaccurate accounts to remain. 
I demand that Experian conduct a full and fair reinvestigation, remove the unauthorized accounts, and correct my credit file immediately. Failure to do so will leave me no choice but to pursue all legal remedies available. 
Respectfully, _________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: NJ

Complaint narrative:
My house was broken into XX/XX/year>. My debit cards along with my tiny notebook of all pins written down were stolen. The person stole all my money. I tried disputing the charges 2 times along with proof of a police report. They denied me 2 times without any explanation. I am behind on all bills because of this. XXXX XXXX is the company and a terrible bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing in response to your claim regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I dispute this debt in its entirety and request full validation. Please be advised that this is not a refusal to pay, but a request for proof of your legal right to collect. 

As required by law, please provide : XXXX. The name and address of the original creditor. 
XXXX. The full account number of the alleged debt. 
XXXX. The amount of the debt and an itemized statement of how it was calculated. 
XXXX. A copy of the original signed contract or agreement that proves I have a legal obligation to pay. 
XXXX. Documentation that you are licensed to collect debts in my state. 
XXXX. Verification that this debt has not been paid, settled, discharged, or otherwise extinguished. 

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), you are required to ensure the accuracy and integrity of any information you report to credit bureaus. Until this debt is properly validated, you must cease all collection activities, including reporting or verifying this account with any credit reporting agency. 

If you can not provide the documentation requested within XXXX  days, or if you continue reporting unverified information, you will be in violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I request that all future communication regarding this matter be in writing only.

Company response to consumer: Closed with non-monetary relief