vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: DISCOVER BANK
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : DISCOVER BANK CHARGE IN CREDIT On XX/XX/XXXX I went to look into my credit score because I was looking to purchasing a car and saw that someone had opened up a Discover card under my name. My birth certificate had been stolen on a XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I believe this is how my identity was stolen and did not discover this until XX/XX/XXXX. I contacted the police in XXXX XXXX  where the care appeared to have been opened based off the address on my credit report with the card. I contacted my bank ( XXXX XXXX ) they told me to freeze my credit reports. I reported to XXXX, XXXXXXXX XXXX XXXX I called Discover and reported the fraud. I also filed reports on idenitytheft.gov and the FTC. On XXXX XXXX I sent a cover letter and police report to Discover Fraud Dispute Team. On XX/XX/XXXX I called Discover to follow up. They told me there was no fraud department per say and gave me another number. The numbers were XXXX XXXX XXXX Discover continues to deny this and states it can not be fixed. I have been told at least 5 different things when I call them, to no avail. On XX/XX/XXXX it was removed from my credit report but then when I looked on XX/XX/XXXX it was back on there. I am not sure what step to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint : Incorrect Reporting of Business Credit Card on Personal Credit Report Dear Chase Business Department, I hope this message finds you well. I am writing to formally express my deep disappointment and urgent need for immediate resolution concerning an issue with the reporting of my Chase Business Credit Card. 

I have held this business credit card for more than three years, maintaining good standing throughout this period. Until recently, this account was solely associated with my business credit, as per the original terms and conditions. However, I was shocked to discover that this business credit card has inexplicably appeared on my personal credit report, jeopardizing my current attempt to purchase a home for my family. 

This incident has caused significant stress, contributing to a state of XXXX XXXX  as I was in escrow for the acquisition of a house when this error occurred. My mortgage lender flagged this unexpected presence of my business credit card on my personal report, bringing the home-buying process to a sudden halt. 

Upon discovering this misleading report, I contacted your credit reporting department and spoke with a supervisor who identified it as a " glitch in the system. '' While I appreciated the acknowledgment of an error, this explanation does not rectify the urgent situation I face.

Under the Fair Credit Reporting Act ( FCRA ), and specifically pursuant to 15 U.S. Code 1681 ( a ), I understand that information furnished and reported must be accurate and reflect the proper account associations. Given this regulation, I insist that this business credit card be removed immediately from my personal credit report. 

This incorrect reporting must be corrected as swiftly as possible to allow me to continue the process of purchasing my home. The repercussions of this error are significantnot only financially but emotionally and personally for my family and I. 

I kindly request an immediate investigation and to be informed in writing about how you plan to address this issue and prevent future occurrences. If necessary, please treat this as a formal dispute of the information reported to credit bureaus. 

Thank you for your immediate attention to this urgent matter. I trust that Chase will address this promptly to restore both my personal credit report 's accuracy and my trust in your institution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am writing to express my frustration and disappointment with the handling of my account, and to formally request that my outstanding debt be forgiven. Despite my consistent efforts to pay off the loan and multiple calls to your customer service team, I have not received any meaningful assistance or cooperation from Capital One to address my situation. 

I have made numerous attempts to reach out to your representatives, explaining my financial difficulties and asking for assistance, whether it be through reduced payments, modified terms, or any other available options. Unfortunately, I have found that my requests have gone unaddressed, and I have been left with little to no support or resolution. 

At this point, I feel that I have been left with no other option but to request that my debt be forgiven. I have made every reasonable effort to pay off this loan, but I have not received the help or consideration that I believe I am entitled to as a customer who is facing financial hardship. 

I ask that you carefully review my account and consider the possibility of debt forgiveness. It is deeply disheartening to feel as though my concerns have been ignored, especially after I have made repeated attempts to work with your team in good faith. 

I look forward to hearing from you soon regarding my request and trust that you will take the necessary steps to resolve this issue in a fair and just manner. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAPITALBANK/IKEA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Under FCRA Demand for Immediate Correction To Whom It May Concern, I am formally disputing the inaccurate reporting of a late payment on my credit report for the Comenity Capital Bank/IKEA XXXX XXXX XXXX XXXX XXXX  ). The information provided on my credit report is erroneous, misleading, and does not comply with the Fair Credit Reporting Act ( FCRA ) regulations. 
According to 15 U.S. Code 1681s-2, data furnishers are legally required to report only accurate and verifiable information. Additionally, under 15 U.S. Code 1681i, I have the right to dispute incomplete or inaccurate information, and the bureau is required to conduct an investigation within 30 days. 
Here are the major discrepancies and violations I have identified : Failure to Provide Proper Validation : There is no documented evidence proving that I was correctly notified before the late payment was reported. 
Potential Reporting Errors : The payment status shows " Past Due- {$100.00}, '' yet my payment records indicate inconsistencies in processing. 
Credit Limit vs. Balance Issues : My balance ( {$2500.00} ) significantly exceeds my credit limit ( {$1500.00} ), which suggests possible incorrect credit reporting tactics harming my score. 
Furnisher Non-Compliance : If Comenity Capital Bank failed to update or validate this late payment correctly, it must be removed immediately. 
Resolution Demanded : I demand the immediate removal of the reported late payment and for this account to reflect current/paid as agreed status. Failure to correct this error within the legally mandated timeframe ( 30 days from receipt of this dispute ) will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under FCRA violations. 
I expect a written confirmation once this error has been corrected. If you require additional documentation, I request you provide clear evidence validating this late payment. Otherwise, it must be deleted immediately. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: DISCOVER BANK
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate. evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate. evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 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 2025-03-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collections account opened at DEPT OFEDUCATION/XXXX XXXX on XX/XX/XXXX with a balance of {$3000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and remove fraudulent accounts and activity from my credit report. Despite submitting an FTC Identity Theft Report, a police report, and all required supporting documentation, Equifax has refused to remove the following disputed accounts : XXXX  ( Account # XXXX ) and XXXXXXXX XXXX XXXX  ( Account # XXXX ). These accounts remain on my credit report despite clear evidence that they were fraudulent accounts and without my authorization. 

Equifaxs response does not comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires a reasonable reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681c-2, Equifax is required to block fraudulent accounts once identity theft documentation is provided. However, despite multiple disputes and the submission of an official police report confirming identity theft, Equifax has failed to properly investigate or remove these accounts from my credit file. 

Equifax has also failed to provide proper verification proving that I authorized these accounts. If these accounts were legitimately opened in my name, Equifax is required to provide documentation such as signed agreements, application records, or statements linking me to the debt. Instead, Equifax has either dismissed my dispute or failed to conduct a thorough investigation. I have made multiple attempts to resolve this issue, yet these fraudulent accounts remain, continuing to negatively impact my credit score and financial standing. Equifaxs failure to comply with federal consumer protection laws has caused ongoing harm, and I am seeking immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-11 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: CA

Complaint narrative:
Immediate Dispute of Accounts Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. The details of the fraudulent account are as follows : XXXX Account # XXXX XXXX. XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with explanation