vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am submitting this complaint due to ongoing inaccurate reporting and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ) by XXXX  and TransUnion. Despite proper disputes and completed investigations, the following accounts continue to report inaccurate information : XXXX : Account Number : XXXX I submitted disputes regarding this account to all three bureaus. 

XXXX  and TransUnion have completed their investigations and removed this account from my credit report. 

XXXX  continues to report this account despite the deletions by the other two bureaus, indicating inconsistent and potentially negligent reinvestigation procedures in violation of 15 U.S.C. 1681i ( a ) and 1681e ( b ). 

XXXX : Account Number : XXXX I submitted disputes with XXXX XXXX, and TransUnion. 

XXXX  and XXXX  have removed the account following investigation. 

TransUnion continues to report this account despite its deletion by the other CRAs, in violation of 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ). 

XXXX XXXX : Account Number : XXXX I disputed this account and XXXX  deleted it from my file after completing an investigation. 

However, both XXXX  and TransUnion continue to report it as a charge-off, even though this directly contradicts the investigation results from XXXX. 

This suggests that either no meaningful reinvestigation occurred, or the furnishers are providing conflicting and inaccurate information that the CRAs are failing to correct. 

I have made multiple attempts to resolve these discrepancies directly with the credit reporting agencies and furnishers, but these inaccuracies continue to harm my credit profile. 

I am requesting the CFPB to investigate these FCRA violations and ensure these agencies : Immediately cease the inaccurate reporting ; Properly investigate these disputes ; Provide a full explanation for the discrepancies among the CRAs ; Provide copies of any documentation or communications relied upon to verify these accounts. 

Please hold these agencies accountable for their lack of compliance and help restore the accuracy of my credit file.

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 2025-05-15 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX This account is reported on transunion but not reported on equifax and experian, It also has late payment history which is inaccurate across national bureaus which is being inconsistently reported among the XXXX credit bureaus.

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 2025-05-15 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX This account is reported on transunion but not reported on equifax and experian, It also has late payment history which is inaccurate across national bureaus which is being inconsistently reported among the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

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 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 2025-05-15 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: CA

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 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 2025-05-15 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: FL

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : 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  TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: TX

Complaint narrative:
I received a collection letter on XX/XX/XXXX from Financial Recovery Service , INC alleging that I have a debt with XXXX XXXX XXXX  with a charge off date of XX/XX/XXXX - over 20 years ago. This is not my account and why would they send a letter about something from 20yrs ago. I believe this is illegal and harassment and a 100 % Disable Veteran and should not have to deal with this company and their corrupt illegal business practices.

Thanks in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My Capital One card from World Wide Elite Master Card account ending XXXX was closed XX/XX/XXXX with no reason given with a balance of {$970.00}. I was setup on auto payments directly with Capital One and a secondary auto payment with my bank. Both of those payments continued after the account was closed. My XX/XX/XXXX statement listed my balance owed as {$680.00}. I paid {$81.00} on XX/XX/XXXX, {$25.00} on XX/XX/XXXX and {$570.00} on XX/XX/XXXX totaling balance in full {$680.00}. On XX/XX/XXXX, I received a letter from Capital One stating my auto payment service has been canceled due to the change of status with my credit account. I have not received any further correspondence from Capital One since. 

Today, XX/XX/XXXX, I received an alert from my bank notifying me of delinquent payments on my credit report. When I researched, I found out Capital One charged me {$13.00} on XX/XX/XXXX, AFTER my balance was paid in full. I was never notified of this charge by Capital One. The interest charge since XX/XX/XXXX has been accruing more interest and late charges from this, again with no notice from Capital One. Prior to paying the balance in full, I would receive the monthly statements via mail. 

I feel none of this money is owed due to the interest getting added AFTER the balance was paid in full, my auto payments automatically getting canceled by Capital One and NEVER being notified that more money was owed. As of today XX/XX/XXXX, the balance owed is {$100.00} and I paid the maximum amount of {$110.00} to stop the interest, late charges and negative impact on my credit. I am requesting this money be returned back to me and the negative marks be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 am filing this complaint because there is a fraudulent credit card account from XXXX XXXX XXXX  being reported by Equifax on my credit report. This account was not opened, authorized, or initiated by me and is the result of identity theft. I have never had any dealings with XXXX XXXX XXXX  and did not apply for credit with them. 

I have submitted an FTC Identity Theft Report, a copy of my government-issued ID, and a current utility bill as proof of identity and address. I am requesting that XXXX block this account from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires the credit bureau to block fraudulent information resulting from identity theft within 4 business days of receiving a proper request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX charge on my XXXX but I don't go to the city in which it occurred. I disputed the charge, but they came back and said I made the charge with no proof that I did. {$1300.00} charged on XX/XX/scrub>XXXX  at the XXXX XXXX XXXX XXXX XXXX XXXX. I closed the account to prevent further 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 2025-05-15 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Upon pulling my credit report it indicates that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ran inquiries XXXX XXXX report. Please delete inquiries from my report because I did not authorize these companies to run my credit, this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Upon pulling my credit report it indicates that XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ran inquiries on my report. Please delete inquiries from my report because I did not authorize these companies to run my credit, this is fraudulent.

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 2025-05-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Formal Complaint Violation of FCRA 605B and 611 by Equifax ; Failure to Address Identity Theft Dispute I am submitting this formal complaint regarding Equifaxs violation of the Fair Credit Reporting Act ( FCRA ) specifically Sections 605B and 611due to its failure to properly investigate and block a fraudulent account I formally disputed. Despite my compliance with all statutory requirements, Equifax failed to act in accordance with federal law and guidance issued by the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/XXXX ( Complaint ID : XXXX ), I submitted a dispute to Equifax regarding a fraudulent collection account titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reflects an opening date of XX/XX/XXXX and a balance of {$0.00}. My submission included all required documentation as per FCRA 605B, including a valid identity theft affidavit, a government-issued photo ID, proof of address, and supporting evidence indicating my exposure in a known data breach.

Per FCRA 605B, Equifax was required to block the disputed item from my credit report within four business days of receiving proper documentation. Instead, Equifax proceeded to verify the accuracy of the account without removing it or providing any disclosure regarding the source or method of verificationdirectly violating 611, which mandates a reasonable reinvestigation and transparency in the verification process.

Equifaxs conduct demonstrates a pattern of noncompliance with its statutory obligations and contradicts the CFPBs XXXX XXXX, which clearly outlines the responsibilities of consumer reporting agencies when handling identity theft claims and reinvestigations. Moreover, relevant case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX affirms the right of consumers to accurate reporting and meaningful dispute resolution.

Equifaxs failure to act in accordance with both FCRA requirements and CFPB guidance deprives me of the consumer protections afforded under federal law. I request immediate intervention to ensure compliance and the prompt removal of the fraudulent item from my credit report. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo credit card was opened up under my name without my knowledge on XX/XX/year>. Someone charged {$910.00} on this credit card. It is identity theft as I had my wallet stolen a year ago. I have contacted Wells Fargo and they shut the credit card down. They have also noted that it is fraud. I have contacted all 3 major U.S. credit bureaus to let them know. I put a freeze on my credit and a fraud alert.

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 monetary relief
Consumer complaint received 2025-05-15 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: OH

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a business credit line and Capitol one switched it to personal, and began reporting my and sharing my information with third parties and credit reporting companies. I never gave Capitol One permission to share any information about me, payment history, general information. I would like to terminate Capitol One from sharing my information with any Corporation, third party and if they continue to share my information, I would like to be compensated for my information. I would also like to be compensated for since 2022 for the amount of {$11000.00} for the switching from business to personal and for 3 years of sharing my personal information, data.

Company response to consumer: Closed with explanation