vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : [ Your Contact Number ] Email Address : [ Your Email Address ] Social Security Number : 7004 Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies and collection agencies regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws due to identity theft and failure to update my personal information. 

Nature of the Complaint : I have been a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests, my personal information has not been updated as required by law. Furthermore, I have been denied access to my credit profile, which further substantiates my claim of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Sir or Madam, I reached out to Experian in regards to a student loan account that they're reporting in their consumer database in reference to my credit history. However, upon examination of such report, I found that it contained damaging information and errors in said report. I reached out to Experian via U.S. Mail and explained to them that US Department of Education account is paid and full and reporting collections status dating form XX/XX/XXXX XX/XX/XXXX. Experian responded as " verified and updated ''. Im not sure what methods they used to contact US Department of Education and/or Consolidated Loans because when I reached out to them in regards to the information reported the letters were sent back as return and undeliverable.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
PLEASE DELETE ASAP Dear CREDIT BEAURU I am writing to formally dispute a charge-off listed on my credit report, which I believe is not mine. The charge-off, listed under the account number [ XXXX ], is inaccurately reflecting on my credit history. 

I have reviewed my credit report and have no knowledge of this account or any relationship with the creditor in question. This charge-off does not belong to me, and I request that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or erroneous information removed or corrected on my credit report. I request that you thoroughly investigate this issue and provide me with confirmation that this charge-off will be deleted from my credit history. 

Please provide a written response confirming the removal of this charge-off, and kindly update my credit report to reflect the correct information. 

If necessary, I can provide any supporting documentation to assist in resolving this matter. Please contact me at [ XXXX ] if you need further information. 

Thank you for your prompt attention to this matter.

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 2025-03-09 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:
I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated third party. The fraudulent accounts identified are : 1.Fraudulent Transaction : XXXX XXXX # XXXX : Balance : {$16000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX # XXXX : XXXX XXXX {$670.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXXXXXX XXXX XXXX  : # XXXX : Balance : {$4000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX XXXXXXXX # XXXX : Balance : {$740.00} : Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want these reported accounts removed XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1200.00} XX/XX/XXXX 0 % {$1200.00} {$1200.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXXXXXX XXXX  XXXX. 
XXXX XXXX XX/XX/XXXX XXXX account. {$1700.00} past due as of XX/XX/XXXX. 

XX/XX/XXXX {$1700.00} XX/XX/XXXX 0 % {$1700.00} {$1700.00} 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXXXXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXXXXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} 1 Month Individual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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

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 2025-03-09 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: CA

Complaint narrative:
Im writing because Ive noticed an account on my credit report that I do not recognize and is completely unknown to me. This seems like a case of mixed data or an error, and I need it removed immediately.

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 2025-03-09 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: NV

Complaint narrative:
I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from Wells Fargo that remained unpaid and open. That account belongs to my husband who XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for XXXX, XXXX, and XXXX to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.

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 2025-03-09 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: NC

Complaint narrative:
I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated XXXX  party. The fraudulent accounts identified are : XXXX Transaction : XXXX XXXX  # XXXX : Balance : {$16000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX  XXXX/XXXX  # XXXX : XXXX XXXX {$670.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX Card Services : # XXXX : Balance : {$4000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX  XXXX # XXXX : Balance : {$740.00} : Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Im writing because Ive noticed an account on my credit report that I do not recognize and is completely unknown to me. This seems like a case of mixed data or an error, and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NC

Complaint narrative:
I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated XXXX  party. The fraudulent accounts identified are : XXXX Transaction : XXXX XXXX  # XXXX : Balance : {$16000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX  XXXX/XXXX  # XXXX : XXXX XXXX {$670.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX  Services : # XXXX : Balance : {$4000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX  XXXX # XXXX : Balance : {$740.00} : Opened : 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 non-monetary relief
Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the process of Moving i have misplaced my ID some years ago and i also remember seeing email regarding my information being part of the data breach.

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 2025-03-09 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: SC

Complaint narrative:
The following accounts are not mine. I have know knowledge of these accounts and these accounts were not authorized. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-09 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:
Im writing because Ive noticed an account on my credit report that I do not recognize and is completely unknown to me. This seems like a case of mixed data or an error, and I need it removed immediately.

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 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently opened a Capital One 360 Checking account because I was attracted by the promotional bonus. I made my XXXX  deposit on XX/XX/XXXX. However, shortly after, my account was unexpectedly restricted. When I contacted customer service, I was told I needed to visit a branch in person within XXXX days to resolve the issue. 

Unfortunately, I was traveling abroad on a pre-planned vacation with friends. I asked if there was a strict deadline to visit the branch, and XXXX representative assured me there wasnt, just that I should do it as soon as possible. 

On XX/XX/XXXX, I called customer service again. The supervisor asked if I was using a VPN to access the app ( which I was, due to my travels ) and why I had opened the account. I explained that I was using a VPN while abroad and intended to use the account to pay my credit card bills. After a XXXX wait, I was informed that Capital One had decided to close my account and end the banking relationship with me. 

I feel this is incredibly unfair. I havent even had the chance to use the account, and there were no signs of fraudulent activity. I genuinely want to resolve this issue and hope to find a fair solution. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused XXXX  XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On our about XX/XX/XXXX I noticed my Best Buy credit card was being used by someone in XXXX. While paying my bill I noticed a large online purchase that I was not aware of for {$3000.00}. I contacted Best Buy directly on or about XXXX of XXXX. During that time several more purchases were made online not by me and returned in XXXX XXXX Best Buy opened a fraud case and issued a new card. The day after I received the new card I again noticed several online purchases made by someone other than me. Best Buy again issued a new card and credited my account. 

The following is a summary of fraudulent purchases made : XX/XX/XXXX - Online purchase of XXXX -Returned item in XXXX XXXX on XX/XX/XXXX for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - A return in XXXX XXXX for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX XX/XX/XXXX - Online purchase for XXXX After filing a dispute I was credited back {$130.00}. The letter stated I did not have sufficient evidence. I have not made a purchase from Best Buy since XX/XX/XXXX. I have received no items from online purchases, and I know no one in XXXXXXXX XXXX 


On Wednesday I received a fraud alert from Best Buy asking if I was aware of a {$2100.00} purchase in XXXX I told them no and they again issued a new card. They were able to stop the transaction from going through. My goal is to clear the fraudulent debt, pay off the amount I owe and then cancel the card since I've had so many issues in the past few months with little help. I have file a police report with my local police department.

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 2025-03-09 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, I recently discovered that some past purchases made through PayPal Credit were for illegal items, which I was unaware of at the time. XXXX and PayPal Credit have been very vague and unhelpful regarding this issue and have treated me like a criminal when I simply did not know what I was buying. Please assist me in resolving this matter.

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