vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it.

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: UT

Complaint narrative:
Equifax is reporting incomplete, inconsistent, and unverifiable negative information on several accounts. I have disputed these items multiple times, and more than XXXX  days have passed without proper verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax lists a XXXX late payment for XX/XX/XXXX, while XXXX lists XX/XX/XXXX, and XXXX  does not show XXXX at all. Equifax must verify late payments by supplying : The original payment ledger ; The contractual due date ; The exact date the payment became XXXX days late ; Any notices sent to the consumer. 
Equifax has provided none of this and continues to report inconsistent information. 
XXXX XXXX XXXX XXXX XXXX XXXX Equifax reports late payments for XXXX and XX/XX/XXXX, but the information does not match XXXX. Under FCRA 611 ( a ), Equifax must obtain original records proving the delinquency. None have been provided. 
XXXX XXXX XXXX XXXX XXXX ( XXXX Accounts ) Equifax shows XXXX charge-offs with missing payment history ( " none reported '' ), which violates Metro-2. To verify a charge-off, Equifax must obtain : The signed contract ; Full payment history ; DOFD ; Charge-off amount calculation ; Valid supporting documentation. 
Equifax has not supplied any verification. 
XXXX Missing Repossession/Charge-Off Reporting This account appears on XXXX  and XXXX  but is missing entirely from Equifax. Selective non-reporting is considered inaccurate under FCRA 607 ( b ). Equifax must verify whether the account exists and why it is being suppressed. 
XXXX XXXX XXXX XXXX Late Payment Sequence Errors Equifax shows a XXXX late beginning XX/XX/XXXX, but the account does not list a proper XXXX late in the months immediately before, which violates Metro-2 requirements for delinquency sequencing. Equifax must provide the payment ledger and internal records showing each stage of delinquency and has not done so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Met Equifax must verify collections by supplying : Proof of ownership or assignment ; Chain of title ; Validation of debt ; DOFD ; Proof the account is legally collectible. 
Equifax has produced none of this documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over the past several months my Capital One credit card has been repeatedly and incorrectly restricted for fraud despite normal spending and on-time payments. This week it escalated : the card was blocked twice in one week, and I was told to submit a state ID and a utility bill for a review that may take up to 10 days, jeopardizing time-sensitive travel bookings tied to this card. 

XXXX XXXX XXXXXX/XX/year> : I received an alert that my account was restricted without a triggering transaction ; I called Capital One and the agent unlocked the card. 
XX/XX/year> : While paying for dinner at a friends wedding, my card was declined and my account was restricted again ; I was told to submit a state ID and utility bill and wait up to 10 days for verification. I explained I leave for my honeymoon the following week and many reservations are on this card ; no expedited option was offered. 

MOST RECENT CALL ( XX/XX/year>, XXXX MINUTES ) I re-verified my identity multiple times and asked several times for an email confirmation or receipt of our conversation ( case number, agent ID, date/time, promised actions ). The agent refused to provide any details about the restriction and stated an email confirmation/receipt was not possible. I was told the account would remain locked until document verification was completed. 

ONGOING PATTERN ( LAST 612 MONTHS ) Every XXXX weeks, legitimate use is interrupted by a restriction or decline ; I must call, re-verify, and re-explain ; I am often transferred and prior notes do not carry over ; in at least one instance I was hung up on ; after some calls, the card works for one transaction and is immediately restricted again. 

IMPACT Loss of reliable access to my primary card ; repeated time burden from verification/hold calls ; risk to upcoming travel bookings tied to this card ; lack of transparency and refusal to provide written summaries undermines trust and makes the practices feel deceptive. 

PERSONAL NOTE I am a hard-working customer who consistently pays in full and on time. I have provided feedback to Capital One multiple times ; agents say they will share it, but there is never a durable resolution. I have lost faith in the process and am concerned about how my personal data and credit account are being handled, including the possibility of misuse. 

REQUESTED OUTCOME ( FOR CONTEXT ) A durable fix to whatever fraud-screening logic is erroneously flagging my account ; restoration of reliable card access ; written explanations/confirmations after interactions ; and assurance this will not recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am submitting this statement regarding the XXXX credit card account and other credit report issues that are inaccurate, inconsistent, and potentially fraudulent. 
Account Information Issues : The XXXX credit card account is reported differently across the XXXX credit bureaus. The credit limit is not the same, the date opened differs, and the last reported, date last active, and date of last payment fields are inconsistent. 
TransUnion shows no collection activity, Experian reports the account fully in collections/charge-off, and Equifax reports all payments as on-time. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), which requires credit reporting to be accurate, complete, and consistent.

Debt Collection Harassment : I am receiving calls from debt collectors regarding this account, which I do not recognize. This is a violation of the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 ). Collectors must cease contacting me for debts that are disputed or potentially fraudulent. 
Unauthorized Inquiries : There are multiple hard inquiries that I did not authorize from XXXX, XXXX XXXX, XXXX  XXXX XXXX, and other creditors. These are violations of my rights under the FCRA and may constitute fraudulent activity.

Impact on My Life : These inaccurate reports are preventing me from qualifying for a mortgage and severely affecting my ability to provide a home for my family. The damage caused is real, significant, and ongoing. 
Legal Basis for Action : Under federal law, I have the right to : FCRA ( 15 U.S.C. 1681 ) Accurate, complete, and verified credit reporting ; dispute and removal of inaccurate or unverifiable information ; blocking fraudulent items.

FDCPA ( 15 U.S.C. 1692 ) Protection against harassment by debt collectors, including for debts I do not owe.

FACTA ( Fair and Accurate Credit Transactions Act ) Access to credit reports and identity theft protections, including fraud alerts and identity theft reports. 
State and federal identity theft protections Unauthorized accounts and inquiries can be treated as identity theft and removed. 
Request for Immediate Action : I demand that the XXXX account, all inaccurate or inconsistent information, and unauthorized inquiries be investigated, corrected, or removed immediately. The failure to correct this information is a violation of federal law and continues to cause significant financial and emotional harm. 
I am prepared to escalate this dispute to regulators and legal authorities if these violations are not corrected promptly.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-15 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: MD

Complaint narrative:
This XXXX account ending in XXXX is the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number : XXXX Agency : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : 1. Cease all reporting of fraudulent information, 2. Block the account within 4 business days, 3. Stop verifying or furnishing any negative information related to this account. 

This is a formal cease-and-desist demand. XXXX must block, delete, and permanently remove all negative information connected to this fraudulent account, including late payments, charge-offs, and derogatory codes. 
Reinsertion is prohibited under federal law. 

XXXX XXXX Police Report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This XXXX  account ending in XXXX is the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number : XXXX Agency : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : 1. Cease all reporting of fraudulent information, 2. Block the account within 4 business days, 3. Stop verifying or furnishing any negative information related to this account. 

This is a formal cease-and-desist demand. XXXX must block, delete, and permanently remove all negative information connected to this fraudulent account, including late payments, charge-offs, and derogatory codes. 
Reinsertion is prohibited under federal law. 

XXXX XXXX Police Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I cashed a check on XX/XX/XXXX on XX/XX/XXXX it cleared when iy was supposed to clear right away the teller them voids it and steali.g a check from 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request under the Fair Credit Reporting Act ( FRA ) for the deletion of all outdated or inaccurate personal information from my credit file. All previous addresses listed on my credit file are inaccurate and outdated. These addresses should be immediately deleted and replaced with my current and only valid address listed below. 
My only valid and current information is as follows : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Please update your records accordingly and confirm the removal of all outdated information within 14 days of receipt of this letter. 
Thank you for your cooperation and prompt attention. 
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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX to XX/XX/XXXX amount {$1200.00} i did not open this account. identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
TransUnion is reporting inaccurate, conflicting, and unverifiable information. Despite disputes, they continued to report incorrect dates, balances, and statuses on multiple accounts. 

Violations : FCRA 611 ( a ) Inadequate reinvestigation.

FCRA 609 ( a ) Did not provide the method of verification.

FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information.

FCRA 602 ( A ) Not ensuring maximum possible accuracy.

FCRA 607 ( b ) Failing to maintain reasonable procedures.

I request deletion of all inaccurate and unverifiable negative accounts.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> my replacement debit card was stolen from XXXX and {$3600.00} was taken from my savings account with an ATM at my local branch. Chip card was inserted and pin was used. Chase said this was authorized by me and denied my claim. I reopened the claim. I filed a police report, emailed XXXX fraud, and placed a fraud alert for the credit bureaus. I was at work, on camera at the time. Chase will not look at camera footage to prove it was not me without the physical police report. I don't have the physical documents from the police or XXXX yet. I gave them the police report number and told them I contacted XXXX fraud. They credited the funds back to me on XX/XX/XXXX, but said they will be taking it back on XX/XX/XXXX. They said the claim will be open for 3-5 days and once they make a decision, I will not be able to reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-15 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: WA

Complaint narrative:
I am not affiliated with these accounts ; they need to be deleted within 15 days under USC 1681g.

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 2025-11-15 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 have nothing to do with these accounts, and they must be deleted within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
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: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was hit with a charge-off on my credit report from WSFS. This account was put on my credit report as joint with my husband which is incorrect. The amount charge in the charge-off was incorrect. The dates are incorrect. The bank was paid the amount and never went to collections. The amount was never charged off it was paid. I have had nothing but issues with this bank. I have called numerous times to try to resolve and have been left with empty promises. This affected my credit and no one seems to care over there. This bank should be out of business with their lack of customer service skills and improper documentation.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
They repossed my vehicle without first providing me with a required Notice of Default or right to Cure, violating my states consumer protection laws. After repossession, I was never given a notice of Sale or a Deficiency Balance Notice, Which are required under UCC 9-611 and 9-614 This failure to deprived me of my rights to redeem the vehicle or understand the amount allegedly owed.The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S Code 1681s-2 I am demanding a full investigation and an immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Kindly inspect the given files ; the questions arrived unannounced and might not be approved.

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