vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
In XX/XX/XXXX, I purchased a used car XXXX XXXX XXXX XXXX  and financed it through America First Credit Union. A {$750.00} charge was added for GAP insurance, but I was never given a contract, provider information, or policy number. In XX/XX/XXXX, I contacted America First, and they confirmed the charge but had no records of a provider or active GAP coverage. XXXX XXXX has since gone out of business, and I have no way to verify if any coverage was ever activated. I believe I was charged for a product I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXXXXXX XXXX XXXX XXXX XXXX  I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-07-28 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXXXXXX XXXX XXXX XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX. Capital one notified me I had an account with them, upon calling they informed me that it appears I had opened a line a credit with them at that point. I called and let them know I did not open it, they sent it to their fraud dept and recommended i take further steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
COLLECTION MANAGEMENT IS REPORTING A COLLECTION THAT IS NOT MINES I DONT AND NEVER HAVE BEEN TO MEDICAL FACILITIES THEY STATED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
The company stated they notified me of debt XX/XX/year> which is incorrect never received any notification before reporting to creditors, still have yet to receive proof of validation from original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
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. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 16819 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 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 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 2025-07-28 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-07-28 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-07-28 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:
Hi, I have just reviewed a copy of my credit report & these negative items are now causing my credit health a detriment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Hi, I have just reviewed a copy of my credit report & these negative items are now causing my credit health a detriment

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 2025-07-28 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The purpose of the requested loan was to finance {$60000.00} for home improvements through XXXX XXXX, a company doing business in the state of North Carolina, on my home at XXXX XXXX XXXX, XXXX, NC. The credit application was submitted to Service Finance Company , LLC by XXXX XXXX, the sales person for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my credit files are frozen because of an attempted identity theft incident in XXXX. As a result, the original attempt to check my credit through XXXX  was rejected. When I was able to access my credit reports and unfreeze XXXX, XXXX XXXX ran the credit check and subsequently declined the credit application because, according to XXXX, they need " the owner of the property '' on the credit application. XXXX said Service Finance told him my credit was great, but according to them I don't own my house. All of this happened late on a Friday afternoon, XX/XX/XXXX, when I was on my way out of town for the weekend without my computer. 
Sunday afternoon, XX/XX/XXXX, when I returned home, I logged into the publicly available XXXX XXXX North Carolina website and performed a property search for properties listed in my name. The results list shows that XXXX XXXX XXXX, XXXX, NC is in my name. I took a snip of the website results and sent it to XXXX with the message that I don't know where Service Finance is getting their information, but the PUBLICLY AVAILABLE WEBSITE shows that I DO in fact own my home. 
Monday morning, XX/XX/XXXX, XXXX reached out and told me that Service Finance wanted me to resubmit the credit application. In the interim, I had reviewed my credit report to find that Service Finance had putted a HARD CREDIT CHECK that was already visible on my credit reports. I also looked into consumer complaints about Service Finance and found nearly 80 % of consumer reviews contained strongly negative information, many calling the company a predatory lender or a scam. I DECLINED to resubmit the credit application due to concerns about the credibility, reliability, and integrity of Service Finance.

The basis of this complaint is to PREEMPT any negative consequences of having a credit query by this company, and any adverse impact of them DECLINING my credit application based on FALSE INFORMATION for reasons that remain unclear since the publicly available information demonstrates clearly they did not base their denial on valid information.

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 2025-07-28 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-28 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: MN

Complaint narrative:
Ive been iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however someone has stolen my identity and information and made fake identification cards and impersonated me and took out auto loans, and credit card loans, and business loan, out using my name as personal guarantors on many accounts from XXXX  XXXX Credit Card, : {$1500.00}, XXXX XXXX XXXX XXXX, : {$32000.00}, XXXX XXXX XXXX XXXX credit card, : {$7500.00}, XXXX XXXX XXXX Credit card, : {$5000.00}, XXXX XXXX XXXX, : {$20000.00}, Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX bank XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, These accounts and inquiries and addresses are not mine and I will like to prosecute the person whom did this to my credit this is messing up my life! I will like to report all of this is fraud. Also I will like all these companies to be blocked from reporting these fraudulent accounts and information on my credit report under 15 U.S.C 1681 et seq. 15 U.S.C 16815-2 ( B ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. and send the required notifications to all furnishers of this information. 15 U.S. Code 1681e - Compliance procedures these inquiries and accounts was done fraudulent and was not in compliance with the FCRA 15 U.S. Code 1692g - Validation of debts, Ive not got anything in the mail to my address because these addresses are not mine nor is the the accounts please remove all this account, and inquiries and addresses asap thank you

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 2025-07-28 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: NJ

Complaint narrative:
This is now my third dispute about the XXXX account ( XXXX ) still showing on my Equifax credit report. Ive already submitted XXXX previous disputes and clearly stated that this account is unverified. Instead of removing it or doing a real reinvestigation, Equifax just updated the account and completely ignored what I actually asked for. I requested deletion, not a status change. Thats not a proper reinvestigation, which violates 15 U.S.C. 1681i ( a ).

On top of that, this account is being reported without any written permission from me. Thats a clear violation of 15 U.S.C. 1681b ( 2 ), which requires a permissible purpose before anything can be placed on my report. This was done without my consent.

Also, the information being reported isnt even accurate, which goes against 15 U.S.C. 1681e ( b ). Equifax is required to ensure maximum possible accuracy, but they clearly didnt verify anything. I want a full Method of Verification under 15 U.S.C. 1681i ( 7 ), and explained how this account was verified or what documents were reviewed. Im asking for more than just a generic updated status ; I want the full details. 

All of this has caused unnecessary stress and wasted time, and I feel like Im just being ignored. Ive followed the proper process, but Equifax hasnt done their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express XXXX had a promotion for XXXX points when you spend {$20000.00} in three months. First issue was I put a purchase of {$17000.00} on the card then they did a financial audit on me and froze both of my American Express cards. Second when I hit the promotion after they unfroze my account after a month then I did not receive the XXXX points. I brought it up to AMEX and they investigated for a month and they told me that the promotion was not valid for me and that there was an Icon that came up when I applied for the card that said it wasnt valid never saw that icon pop up. Also, I asked them to give me exactly what the reason was why I was not valid for this promotion. They would not give that to me if I wouldve known that I was not going to get the promotion of XXXX points I wouldve never applied for this card

Company response to consumer: Closed with explanation