vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was XXXX  in the XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, TX ) from XX/XX/XXXX till XX/XX/XXXX. Upon my release, I did a 3 bureau credit sweep and noticed that i am a victim of identity theft. In XX/XX/XXXX i filed disputes with all 3 credit burueaus and with the CFPB ( CFPB Complaint # XXXX ). As of today, I have 21 credit account reporting differences between all 3 credit bureaus as well as 1 account that is in collections. I also have several different addresses, names and personal information that is still incorrect on my files.

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 2025-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( XXXX ) or debt ( XXXX ) listed below and have no knowledge of the transactions associated with them. I also found out my personal information was leaked on multiple data breaches without my knowledge or consent. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including filing a police report and placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
The following accounts are fraudulent, erroneous, and MUST BE BLOCKED immediately from my credit, ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, XXXX. REPORTING FALSE INFORMATION IS NOT ONLY UNLAWFUL, BUT IT IS ALSO CAUSING MATERIAL DAMAGE TO MY CREDIT AND FINANCIAL REPUTATION. I DEMAND THE IMMEDIATE AND PERMANENT REMOVAL OF THESE ACCOUNTS FROM ALL CREDIT REPORTING AGENCIES. IN REFERENCE TO 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the fair credit reporting act any entity furnishing data to credit reporting agencies is prohibited from reporting Information they know or have reason to believe is inaccurate. Ive attached my FTC report as well.

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 2025-07-27 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: CT

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-27 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: FL

Complaint narrative:
I have sent certified mail several times showing that I was a breach with XXXX. It should be removed. Ive also sent FTC reports showing that these accounts are fraudulent. Ive also sent payment verification letter showing that late payments should not report to my Credit file. Ive also sent letter showing Experian and XXXX. XXXX  has removed everything and they need to comply. XXXX and XXXX XXXX XXXX  should be removed immediately. Ive sent proof of the breach contract. Ive sent proof of FTC report. I also sent proof that they did not respond to me with letters and they still have not removed the certified letter Ive sent back to them which I can send again showing that they did not respond to me within 60 days not 45 days but I waited 60 days and I sent the proof in and I still have not removed XXXX and XXXX XXXX experience or XXXX. I also sent verified letters out. Ask them for proof of verification that this is my account proof of verification that I signed any of this yet still it has not been removed. The next thing I think I will have to do is go to litigation and go ahead and file a suit against the company I made several reports trying to correct this done everything possible trying to get this correct and Removed yet nothing has happened.

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 2025-07-27 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
Paid off debt of Military Star store card through garnishments beginning in XXXX  from XXXX check to XXXX XXXX XXXX XXXX XXXXXXXX ) totaling over XXXX. While this was going on, Military Star opened an account consenting of only interest indicating currently that I owe in access of another XXXX  XXXX. They have also place this on my credit report. Now I'm better harrassed with collections.

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 2025-07-27 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am responding to your contact about a debt ( XXXX * * * * ) you are trying to collect in the amount of XXXX XXXX you contacted me by phone and by my employee phone on XX/XX/year> from a private number and requested that i need to start making payments. 
Please stop all communication with me and with the address and my phones about the debt. 
record that i dispute having any obligation for this debt.If u stop collection of this debt or forward or return it to another company, please indicate to them that it is disputed if you report it to a credit bureau ( or have already done so ) also report that the debt is disputed. 
Thank you for you cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
I recently disputed a collection account that appeared on my credit report through XXXX XXXX, believing it to be inaccurate and potentially fraudulent. Despite my dispute, the account was marked as verified without providing any supporting documentation or explanation of how the information was confirmed. I was not shown a signed contract, original creditor details, or any legal validation of the debt. This raises serious concerns about the accuracy of the information being reported and the integrity of the verification process. I am now requesting a full reinvestigation and proper validation, as required by 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 2025-07-27 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: GA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - ADDRESS Issue : This address is inaccurately reported on my credit report and does not belong to me Law : Under the Fair Credit Reporting Act ( FCRA ) Section 602 A, consumers are guaranteed accurate, verifiable, and complete information on their credit file. Reporting an address I have never lived at is a direct violation of this right Story : I have never lived at this address and have no connection to it. Including this on my credit report is misleading and could result in misidentification or mixed file issues. I am requesting the immediate deletion of this address from my credit report pursuant to the FCRA XXXX XX/XX/year> INQUIRY Issue : This hard inquiry was made without my knowledge or permission Law : FCRA Section 604 requires that any inquiry into a consumer 's credit file be authorized by the consumer and have a permissible purpose. This inquiry does not meet that condition Story : I did not authorize this inquiry from XXXX and was not applying for credit or services with this company on or around the date of the inquiry. This constitutes an unauthorized pull of my credit information and must be removed to ensure my report only reflects inquiries initiated by me These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was issued a credit account through Concora Credit for XXXX XXXX XXXX purchase. I have always maintained good standing and made all payments on time. 

At some point, I was notified of a XXXX XXXX monthly fee, but I was also given the option to deny that fee which I did, in writing. I exercised my right to reject this charge, as allowed, and was never informed that this would result in a reduction of my available credit or the closure of my account. 

Shortly after denying the fee, my available credit was suddenly reduced, and I was recently notified that my account has been closed at my request. This is completely false. 
I have never requested or authorized the closure of my account, and I demand to know : Where is the written or verbal proof that I personally requested this closure? 

This unilateral action has now damaged my credit by : Reducing my available credit, which affects my credit utilization ratio Reporting the account as closed by consumer, which is inaccurate Negatively impacting my credit history despite perfect payment behavior This has caused unnecessary stress and financial harm despite my responsible use of credit. I am seeking a fair and immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I have sent certified mail several times showing that I was a breach with Equifax. It should be removed. Ive also sent FTC reports showing that these accounts are fraudulent. Ive also sent payment verification letter showing that late payments should not report to my Credit file. Ive also sent letter showing XXXX  and Equifax. XXXX  has removed everything and they need to comply. XXXX and XXXX financial services should be removed immediately. Ive sent proof of the breach contract. Ive sent proof of FTC report. I also sent proof that they did not respond to me with letters and they still have not removed the certified letter Ive sent back to them which I can send again showing that they did not respond to me within XXXX  days not XXXX  days but I waited XXXX  days and I sent the proof in and I still have not removed XXXX and XXXX XXXX XXXX  or Equifax. I also sent verified letters out. Ask them for proof of verification that this is my account proof of verification that I signed any of this yet still it has not been removed. The next thing I think I will have to do is go to litigation and go ahead and file a suit against the company I made several reports trying to correct this done everything possible trying to get this correct and Removed yet nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX. I opened a Capital One 360 Checking account on the XXXX XXXX XXXX this year. But on the XXXXXXXX XXXX XXXXXXXX my account was restricted and no reason whatsoever was given. Furthermore, Capital One has kept me locked out of my account and given me no reason whatsoever. 

XXXX. There are XXXX branches within hundreds of miles of where I live and there is no way to contact these people other than their customer service phone numbers, XXXX XXXX XXXX who are just there to answer basic questions and open accounts, and US mail, none of which provide any means to access my bank accounts. 

XXXX. As a result of Capital Ones actions ( or inaction ), there have been multiple legal violations, including but not limited to : Violation of the Dodd-Frank Act ( Unfair, Deceptive, or Abusive Acts or Practices ), Violation of FTC regulations ( Unfair or Deceptive Acts or Practices ), XXXX. I went to the Capital One Locations webpage ( available here : https : //locations.capitalone.com/ ), typed in my zip code and filtered by branch and noticed that there were no branches near me so the next alternative was to go to a Capital One Caf, which XXXX not have all the same services that branches do but, according to Capital One, is a place to unwind, get coffee, use a work space, or talk to a Caf Ambassador, which is a human that works for Capital One. 

XXXX. I explained to the XXXX XXXX my issue. Of course, he was unable to help me, but was happy to connect me with the right people at Capital One. We sat down together and he proceeded to call Capital One, be placed on hold, explain the situation to someone, and be bounced aroundthis happened a handful of times. After enduring this for the greater part of an hour, he handed me the phone. This process repeated itself. 

XXXX. It is clear now that I have effectively been locked out of accessing my financial accounts in violation of terms of service and applicable laws resulting in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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