vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CA

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 ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and fraudulent accounts and inquiries being reported on my credit file. These items are the result of identity theft and/or improper reporting and must be * * blocked and deleted * * under federal law. 



1. * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * * * Requires a consumer reporting agency ( CRA ) to block any information stemming from identity theft * * within XXXX business days * * of receiving proper documentation : proof of identity, an identity theft report, identification of the fraudulent accounts, and a statement that the accounts were not authorized. 

2. * * FCRA 611 ( 15 U.S.C. 1681i ) * * * Requires CRAs to conduct a * * reasonable reinvestigation * * of disputed information and delete items that can not be verified within * * 30 days * *. 

3. * * FCRA 623 ( 15 U.S.C. 1681s-2 ) * * * Requires furnishers ( banks, debt collectors, and creditors ) to investigate disputes, correct inaccuracies, and stop reporting information that is fraudulent or can not be verified. 

* Immediate * * blocking and permanent deletion * * of the following closed accounts, which are being reported by all three credit bureaus in violation of the above laws : * * * Capital One \ {$710.00} * * * * * Capital One \ {$1200.00} * * * * * Credit One Bank \ {$1300.00} * * * * * XXXX XXXX \ {$840.00} * * * Removal of * * all hard inquiries dated XX/XX/XXXX through XX/XX/XXXX * *, which were not authorized by me. 

* Written confirmation that these items have been deleted, and assurance that they will * * not be reinserted * * unless full reinsertion procedures under FCRA 611 ( a ) ( 5 ) are followed. 

Under * * 15 U.S.C. 1681c-2 * *, CRAs must block identity-theft-related information within 4 business days. These accounts and inquiries remain on my report despite being unauthorized and disputed. I request the CFPB to require all CRAs and furnishers to comply with the FCRA and immediately delete these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, Had an appointment at an XXXX XXXX XXXX XXXX  in XXXX XXXX, XXXX. 

It was supposed to be a free consultation appointment. They didn't inform me until after the x rays and consultation with dentist there would be any cost. I used my American Express card under duress, that like most doctor offices it's a locked door between the entrance to building. 

I've attempted multiple times to dispute the charge based on it being scheduled under the premise of free appointment, only to be asked for money afterwards. That I expected no cost, the American Express is all I had on me. 

American Express is stating that I used my card, I'm responsible. The charge was under duress, so should not be valid. Also the original vendors deceptive practices are illegal under section 5 of FTC Act. 

Feel I'm being taking advantage of by the businesses and need help to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from a dealership operating deceptively under 2 different names : XXXX XXXX and XXXX XXXX. This dealer engaged in fraudulent and deceptive practices that directly harmed me financially and violated my rights under Truth in Lending Act ( TILA ) and state dealer regulations. 
1. Forgery and Contract Alteration I signed documents labeled XXXX XXXX. 
The Retail Installment Sales Contract ( RISC ) sent to my lender was from XXXX XXXX and contained different terms. 
My signature on the lenders copy is identical in every field, indicating it was copied/pasted not signed by me. 
The bank version included hidden add-ons I never agreed to. 
2. Undisclosed & Unactivated Add-Ons The contract included XXXX XXXX ( {$1900.00} ) without my knowledge or consent. 
XXXX, the warranty XXXX, confirmed the XXXX XXXX plan was never activated in my name. 
I requested cancellation of XXXX XXXX and Appearance Protection on XX/XX/year> ( hand-delivered ) and XX/XX/XXXX ( text with photo ), but the dealer refused to process it ( At this time I was not aware my Appearance protection had never been activated ). 
XXXX. XXXX XXXX XXXX Documents The sales price repeatedly changes between versions of the contract, often to hide or fold in the cost of unwanted add-ons. 
On XX/XX/year>, the dealer tried to have me sign new contracts increasing the price while pretending to remove a warranty. I refused. 
5. Registration Failures and Wrong Tax Rate The vehicle was to be registered in XXXX, but as of XXXX, the MA RMV confirms no registration attempt was made. 
Dealer charged 6.625 % tax ( wrong rate ) instead of MAs 6.25 %. 
I suspect the registration fee charged to me exceeds what was actually paid to MA RMV. 
6. Dealer Denial Letter After my complaints, the dealer mailed me a letter implying I never purchased from them despite lender records and my documents. 

I informed my lender of these issues, but they have not taken meaningful action. 
A representative named XXXX advised me to include my concerns in an affidavit they said they would send. 
When I explained how these unauthorized charges and the delayed prior payment posting were causing financial harm, I was told this is a dealership problem, despite the fact that the lender is operating on a forged contract and continues to charge interest on it. XXXX also attempted advised me on what to put in the affidavit. The lender is Chase. 

Consumer Harm Financial harm : Interest charged on a prior payment not credited for over 2 months ; overpayment of sales tax ; potential overcharge on registration fees ; inflated principal from unauthorized add-ons. 
Legal harm : Forged signature ; contract terms altered without consent ; possible TILA violations from inaccurate disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

Complaint narrative:
XXXX XXXX XXXX reported XX/XX/year> {$11000.00} Reported balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX : I previously used XXXX XXXX with phone number XXXX. After moving to XXXX, I switched to XXXX XXXX and received a new phone number : XXXX. I updated my profile to reflect the new number. 

Problem : When I attempt to transfer rewards on the website, the system requires 2-step verification. The only option available is to receive a text message. When I enter my new phone number, the system does not allow me to proceed, stating it can not verify my number with my mobile provider. 

Steps Already Taken : I contacted customer service on XX/XX/XXXX and spoke with XXXX. 

She attempted to force the system to update with my new number, but the 2-step verification still failed, giving the same error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ).

The disputed item ( s ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Reporting inaccurately as Late XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ).

The disputed item ( s ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Reporting inaccurately as Late XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late

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 2025-08-19 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to dispute and demand the immediate removal of all fraudulent bank accounts and negative entries appearing on my ChexSystems report. These accounts were not opened by me, but instead were the result of identity theft. 
The following banks appear on my ChexSystems file, and I confirm that I never opened or authorized any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and must be blocked and permanently removed from my report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block identity theft-related information upon proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Regarding : XXXX XXXX XXXX, XXXX. 
Account ending in : XXXX Dispute Claim Number : XXXX On XX/XX/year>, I sent a formal email to the merchant " XXXX  '' to cancel my membership and explicitly revoke authorization for them to make any future XXXX withdrawals or debit card charges from all of my linked Chase accounts, including the account ending in XXXX. I have a copy of this email as proof. 
Despite my clear revocation of authorization, XXXX processed an unauthorized debit card transaction of {$190.00} from my account on XX/XX/year>. 
I filed an initial dispute with XXXX for this unauthorized transaction on XX/XX/year>. On XX/XX/year>, XXXX notified me that my dispute was denied. 
Believing the denial was an error, I sent a formal request to XXXX on XX/XX/year>, asking for an escalated review and for the bank to initiate the Visa pre-arbitration process. In my request, I clearly stated that I had new and compelling evidencenamely, the email from XXXX proving I had revoked authorization with the merchant long before the charge was made. 
On XX/XX/year>, XXXX XXXX XXXX XXXX denied my request to even review the case. They refused to look at my new evidence and provided no path forward other than to call a number for an explanation. This action is a direct failure by XXXX to conduct a " reasonable investigation '' into a billing error as required by the Electronic Fund Transfer Act ( Regulation E ). By refusing to escalate the case with new evidence, they also failed to follow the Visa Core Rules for dispute resolution. 
I have exhausted all internal options with Chase. They have failed to investigate this matter properly and have allowed an unauthorized charge to stand, despite being notified that I have clear, dated proof of my attempt to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Received final bill for {$390.00} in late XX/XX/year>. The invoice is dated XX/XX/year>. No due date is listed on the invoice. No prior invoice for that amount was ever sent to me. 

When I logged in to pay the invoice on XX/XX/year>, the account noted that it was Past Due. 

XXXX XXXX informed me that they report past due accounts to credit agencies when they are more than 30 days outstanding. My account should not have been marked Past Due within 30 days of the first invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: AR

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 : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a dispute of an inaccurately reported late payment. I have consistently maintained timely payments, and the reported entry is not supported by my records. It is an error that must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
I am writing to formally dispute the collection account that XXXX is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law

Company response to consumer: Closed with explanation