vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-18 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Issue : There is an account from JPMCB/XXXX XXXX being reported by XXXX  that contains inaccurate, incomplete, or unverifiable information. XXXX  updated fields such as Maximum Delinquency, Rating, and removed historical data, but the core reporting still appears inconsistent and not properly validated.

Details : I submitted a dispute to XXXX  regarding this account. XXXX  investigation states that the creditor previously verified the information, yet the updated fields and the removal of historical trended data indicate inconsistencies in the data being reported. I was not provided any documentation from the furnisher showing what specifically was verified.

I am filing this complaint because I am overseas and unable to use U.S.-based mail or phone options. I need confirmation that JPMCB properly validated every aspect of this account under FCRA 602A and 623 requirements. I am requesting : A full validation of all information being reported.

The documentation Chase allegedly provided to XXXX  during verification.

Correction or removal of the account if the furnisher can not fully substantiate accuracy, complete data, and conformity to FCRA.

I am NOT acknowledging ownership of this account. I am disputing the accuracy, completeness, and verification of the reporting.

Requested Resolution : Provide validation documents or permanently remove the account from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX sold the Debit and will not give me any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX regarding fraudulent activity and charges regarding my debit card. There was numerous charges from XXXX. They told me I have to contact the merchant because they made a decision that I dont have fraudulent charges in a one day investigation. I was also informed that after they closed the investigation, they can not reopen it to correct it. XXXX XXXX representative informed me that they had put my fraudulent case in their system under the wrong identity. It shouldve been under scamming. I dont understand that soI contacted XXXX who informed me I dont have an active account with them. I closed the account in XXXX. What are the account state had were not complete and they canceled those as well. I sent the letter to XXXX XXXX. They told me they made a decision on my claim, and my money can no longer be refunded. They also deny other charges, which were all Internet for charges. I made them aware of that. Another charge was XXXX XXXX XXXX XXXX debit cards are not accepted on XXXX XXXX. They refused to refund my money. 
Claim # SR # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), 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 XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), 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 seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( 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.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( 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 1681s-2 ( a ) ( 1 ) ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
XXXX XXXX XXXX  is reporting an account that qualifies for immediate blocking and deletion under FCRA 605B.

This tradeline remained dormant for years and was reported as closed on my Equifax report in XXXX. After I filed CFPB complaint # XXXX on XX/XX/XXXX regarding inconsistent and outdated reporting, XXXX XXXX and the credit bureaus suddenly changed the tradeline from closed to open within days.

They only altered the account after my complaint, not based on valid verification. This confirms the data is unreliable, unverifiable, and improperly maintained, meeting the criteria under 605B ( b ) ( 1 ) ( A ) ( B ) for mandatory blocking.

I have attached the FTC Identity Theft Report. Under FCRA 605B, the bureau is required to block and delete this account within four business days of 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, Capital One withdrew {$220.00} from my account and then closed the account shortly afterward without providing prior notice. The day before the closure, I received a XXXX XXXX Failed message, but no warning that this would lead to my account being shut down. 

After contacting Capital One, I was told the account was closed for first-party fraud. When I asked what specific activity led to this determination, I was told only suspicious activity and a failed debit. No details, evidence, transaction breakdown, or documentation was provided to explain why normal account activity or a single failed debit was classified as fraud. 

Since the closure, Capital One has not provided : a final account statement documentation supporting the first-party fraud designation a timeline for the release of held funds clarification of whether I was reported to XXXX I have repeatedly requested clarification, transparency, and access to my remaining funds, but I have not received adequate information. 

I am requesting the CFPBs assistance in obtaining : The specific evidence or transactions Capital One used to label my account as first-party fraud. 

A final itemized statement showing all activity, fees, and the {$220.00} withdrawal. 

The status and release date of any funds being held. 

Confirmation of any XXXX reporting. 

A review of whether the fraud designation and the {$220.00} withdrawal were applied in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Hi, Pleaser refer to attachment section, this account does not belongs to me. Please remove from my credit report. I have a lot of issues back from XX/XX/year> that I want to fix. 

Thanks.

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 2025-11-18 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I recently filed a complaint, please refer to complaint reference # XXXX. 
The response from the lender is that the application was denied, however despite meeting all the requirements for loan cancellation Navient did not detail the reasons why the application was denied. The response to the CFPB was simply, thank you for reaching out, your application was denied.

I have reviewed others experiences with this company and what they are doing to me is exactly what has been published and that the CFPB has needed to get involved to help people resolve the issue because of their dismissive behavior.

I want a detailed response as to why the loan does not meet the criteria in their mind for cancellation. Per the class action lawsuit we meet all criteria and have suffered the exact results of the loan balance tripling during constant forbearance as my ex husband was unable to obtain employment as promised. And the loan is currently in repayment under a judgement. The school promoted Sallie Mae private loans so we could afford the cost of tuition.

There is no reason for the application to be denied so I would like a detailed response listing why and specifically what criteria was not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
asking for validation of the late payments. I ve never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-18 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:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt was previously reported to the CFPB, an identity theft notice was previously sent to the FTC, I'd never received any statements and this debt was sold without any knowledge and / or permissions. Debt was sold to LVNV Funding, LLC c/o Resurgent Capital Services , LP XXXX XXXX XXXXXXXX Who has either resold/ transferred debt to XXXX XXXX XXXX whom of which has been bombarding me with emails and texts daily even offering a 20 % discount of biweekly payments of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app dont even give me a reason my my new account was closed and the wrongful closed my other account when some woman i didnt know sent money to me. Because my boyfriend asked her too I never requested anything from her but yet I get hit with fraud. Abd now my new account has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
I have a few Items on all XXXX credit reports that are over the XX/XX/XXXX year allowable age on credit reports. The history has not been removed for them on all XXXX credit bureaus, there are XXXX accounts that need to be removed due to the age on credit report. 
XXXX. XX/XX/XXXXAcct XX/XX/XXXXXXXX XXXX. XXXX XXXX AcctXX/XX/XXXXXXXX XXXX. XXXXXX/XX/XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX XXXX XXXX. XXXX AcctXX/XX/XXXXXXXX or XXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX XXXX Acct XX/XX/XXXX XXXX XXXX.XX/XX/XXXX ( this is not my account ) and have reported it AcctXX/XX/XXXXXXXX XXXX. XXXX XXXX ACCT XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX AcctXX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX XXXX XXXX. XXXX XXXX Acct XX/XX/XXXX XXXX XXXX. XX/XX/XXXX acct XX/XX/XXXXXXXX XXXX XXXX XXXX AcctXX/XX/XXXX XXXX These are over XXXX XXXX XXXX or more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
I have a few Items on all XXXX credit reports that are over the XX/XX/XXXX year allowable age on credit reports. The history has not been removed for them on all XXXX credit bureaus, there are XXXX accounts that need to be removed due to the age on credit report. 
XXXX. XX/XX/XXXXAcct XX/XX/XXXXXXXX XXXX. XXXX XXXX AcctXX/XX/XXXXXXXX XXXX. XXXXXX/XX/XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX XXXX XXXX. XXXX AcctXX/XX/XXXXXXXX or XXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX XXXX Acct XX/XX/XXXX XXXX XXXX.XX/XX/XXXX ( this is not my account ) and have reported it AcctXX/XX/XXXXXXXX XXXX. XXXX XXXX ACCT XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX AcctXX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX XXXX Acct XX/XX/XXXXXXXX XXXX. XXXX Acct XX/XX/XXXX XXXX XXXX. XXXX XXXX Acct XX/XX/XXXX XXXX XXXX. XX/XX/XXXX acct XX/XX/XXXXXXXX XXXX XXXX XXXX AcctXX/XX/XXXX XXXX These are over XXXX XXXX XXXX or more

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