vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: OH

Complaint narrative:
I received an alert from XXXX XXXX that a collection was added to my credit report. I immediately disputed it through the credit report ( XXXX  ) and it came back that it was my debt. I did not know that I owed this debt and then reached out the collection agency sending a letter on XX/XX/XXXX requesting validation of the debt and asked them to provide : the name and address of the original creditor, the amount of the debt, including an itemized breakdown of any interest, fees or charges, copies of any written agreement or contract bearing my signature, proof that they are licensed to collect debts in the state of Ohio and documentation showing that they sent proper written notice to my current address prior to reporting this debt. I received a letter dated XX/XX/year> with proof of the electric bill and that the collection agency contacted their client and verified that I am the responsible party. I then sent a letter dated XX/XX/XXXX, noting failure to provide proper notification, emphasizing that I was never provided with the legally required written notification of this debt prior to being reported to the credit bureaus. I also emphasized that this letter is not a refusal to pay, but a formal notice that I dispute the manner in which this debt has been handled and reported. I received a letter from the collection agency dated XX/XX/year>, noting that they have reviewed my dispute and already responded and that they will not conduct another investigation into the dispute because there are no new facts and includes no new information on which to form the basis for a new investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
Subject : Dispute of Information Under Section XXXX Dear TransUnion, I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One account was made under my information. I never approved of this credit card to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one card number was used for fraudulent purchases amounting to {$11000.00} including unpaid interest charges from XX/XX/XXXX to XX/XX/XXXX. 
I had not used or lost the current valid card. My last use & full outstanding payment was on XX/XX/XXXX. I do not live where the purchases were made & I never make purchases at the listed merchants. 
I have specific timed text messages & several independent witnesses of my actual location during the time these unknown purchases were made. 
All this was given to Capital One fraud department but they claimed to have done an investigation & wrote back a letter claiming I was responsible for all charges, late fees & interest. Since that time Capital One collection lawyers XXXX XXXX XXXX XXXX based in XXXX XXXX ) have filed a lawsuit for over {$13000.00} at XXXX XXXX XXXX XXXX in which I have to appear & fight this lawsuit. 
Capital One made no attempt to catch or identify the fraudster given all the accurate information & places. 
Capital One has destroyed my credit rating from over XXXX to below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent accounts have been reported under my name without my consent or authorization. I did not open or maintain these accounts, and their continued presence is entirely inaccurate and damaging. These entries misrepresent my credit history, undermine my financial reputation, and must be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am submitting this complaint regarding multiple accounts that are being reported inaccurately on my credit report. These accounts are causing significant harm to my creditworthiness, and I believe they are either being reported in violation of the Fair Credit Reporting Act ( FCRA ) and/or are not properly verified by the furnishers. 

The following accounts are in dispute : CREDIT COLLECTION SERV Account No. XXXX Date Opened : XX/XX/XXXX High Credit : {$250.00} Collection This account is being reported without proper validation. I have never received any legally required notice of debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX High Credit : {$180.00} Charge Off This account is inaccurately reported. The balance, payment history, and status are questionable and inconsistent with my records. I demand full validation and documentation proving this tradeline is accurate and legally reportable. 

XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX High Credit : {$24000.00} Charge Off The reported information is damaging and appears to contain reporting errors. The creditor has failed to provide adequate documentation to support this reporting. 

XXXX XXXX, XXXX Account No. XXXX  Date Opened : XX/XX/XXXX High Credit : {$240.00} Late Payment This account contains inaccurate late payment reporting. The creditor has not provided sufficient proof that these lates are correct or properly reported in compliance with the FCRA. 

My Concerns : These accounts are being reported without proper validation. 

The furnishers have failed to meet their legal obligations under the FCRA and FDCPA. 

These inaccuracies are severely and unfairly damaging my credit standing. 

Requested Resolution : I request that the CFPB investigate these matters and hold the furnishers accountable. 

I demand that the furnishers either provide full, verifiable, written proof of the accuracy and legality of these accounts OR remove them entirely from my credit reports with all three major credit bureaus ( XXXX, Equifax, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I recently checked my credit report and found that my personal data has been exposed and compromised. I am aware of the multiple breaches that has been hacked and tampered with. Im also a victim of identity theft which is very unfortunate and has caused unnecessary problems for me, mentally and physically. My entire credit report is inaccurate with collections, inquiries, accounts and balances that Im completely unaware of, or where they came from. According to the 15 U.S.C 1681 law, there should not be any damages on my report its a defamation to my character!

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I was charged {$4000.00} by XXXX XXXX XXXX. I later disputed this charge through Cash App because the services promised were not delivered as advertised. 

Cash App denied my dispute, stating that I did not contact them within XXXX  days. However, I did contact them and provided supporting documentation, including emails and receipts. Despite this, they closed my dispute without properly considering the evidence. 

I have also asked for copies of the documents Cash App relied on to make their determination. They informed me that I may request these documents, but I have not received them. 

I am requesting that this complaint be reviewed so the company provides the documents used in their decision and reopens my case for proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$39.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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 explanation
Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
I am submitting this formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX. regarding inaccurate and misleading information they are furnishing to the credit reporting agencies. 

According to my credit report, the following account is being reported inaccurately : Creditor : XXXX XXXX XXXX XXXX 

Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  Reported Status : Charge Off High Balance Reported : {$0.00} This reporting is both erroneous and harmful for the following reasons : Contradictory Information The account is being reported as Charge Off, yet the high balance is listed as {$0.00}, which is inconsistent and misleading. An account can not logically be charged off if no balance ever existed. 

Violation of FCRA ( Fair Credit Reporting Act ) Under 15 U.S.C. 1681s-2, furnishers of information must ensure maximum possible accuracy. Reporting a charged-off account with a {$0.00} balance is inaccurate and misleading to creditors evaluating my creditworthiness. 

Negative Impact This inaccurate reporting is severely damaging my credit profile, resulting in unjust denials and higher interest rates. 

I am requesting that the CFPB investigate XXXX XXXX XXXX  reporting practices and require them to either : Provide verified documentation proving the accuracy of this charge-off account, or Immediately remove this account from all credit bureaus ( XXXX, Equifax, and XXXX  ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I met a lady name XXXX XXXX XXXX XXXX XXXX ) and she was posing as an leasing agent trying to help me get an apartment asking me to send her {$550.00} to move in today but after visiting the apartment I found out this lady is not in there system and that she does not work there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-11 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing an account from XXXX XXXX XXXX ( Acct ending XXXX ) on my Experian credit file. On XX/XX/year>, Experian verified this account as accurate. However, XXXX has since provided me written confirmation that they reported the account under the wrong name variation XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX XXXX, as verified by my state-issued ID and birth certificate ( attached ). 

Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy. Under 611, I am entitled to a reasonable reinvestigation when new evidence is provided. Experian has failed to correct or remove this account even after the furnisher admitted their error. I am requesting that the CFPB require Experian and XXXX to either provide signed documentation linking this account to my legal name or delete it immediately from my 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 explanation