vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please review and investigate the accounts that

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 2025-08-19 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: MI

Complaint narrative:
The listed entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no effective steps have been taken. Despite submitting all required documentation and following up multiple times, the errors remain unresolved. This ongoing situation has caused significant financial strain and negatively impacted my well-being. The process of addressing these inaccuracies has been both frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial activity, including the timely correction of outdated or incorrect information. I am requesting that you take immediate steps to correct or remove the erroneous late payment entries. Continued inaction would constitute a violation of my rights under federal law. 
I expect a prompt and thorough resolution to this matter. Thank you for your attention.

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 2025-08-19 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting this letter to report identity theft and to request an immediate investigation and removal of fraudulent information from my credit reports. 
My personal information was compromised in a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. I am the victim of identity theft.

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 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally submit a complaint against Ally Financial XXXX for unlawful and discriminatory denial of credit, in violation of federal consumer protection laws, including but not limited to the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ), Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). 

On XX/XX/year>, I applied for credit with Ally Financial. My application was denied without lawful justification and without being provided the requisite notice of adverse action, as required under Regulation B ( 12 C.F.R. 1002 ). Ally Financial failed to provide a clear and specific statement of reasons for the denial within 30 days, as mandated, and further failed to identify the credit reporting agency whose information was allegedly used to make the adverse decision.

Under 18 U.S.C. 8, any credit issued using my Social Security Number is an obligation of the United States, and as such, Ally Financials denial constitutes false representation and fraudulent concealment, particularly when tied to any negative trade line reporting under the fictitious ALL-CAPITAL-LETTER corporate name which does not reflect my true living identity. 

Further, by failing to conduct a good-faith review of my application and creditworthiness and refusing to provide proper written explanation Ally violated my rights to fair access to credit under 31 U.S.C. 3729 ( False Claims Act ) by attempting to convert my credit rights for unlawful gain while depriving me of due process. 

I hereby request : An immediate investigation into Ally Financials credit practices ; Removal of any fraudulent inquiries, denials, or reports made in connection with this unlawful decision ; Written explanation from Ally detailing the specific reasons for the denial, including which data was used ; Corrective action compelling Ally Financial to comply with all provisions under the ECOA, FCRA, TILA, and False Claims Act.

Ally Financials actions have caused financial injury, emotional distress, and reputational harm. As such, I reserve the right to pursue civil damages, submit affidavits of estoppel, and initiate XXXX XXXX proceedings should immediate correction not be made. 

Thank you for your prompt attention to this urgent matter. 

Respectfully, XXXX XXXX XXXX XXXX / Secured Party Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-19 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: FL

Complaint narrative:
I did not authorize XXXXXXXX XXXX  to put this auto lease on my credit reporting agencies I demand this be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I did not authorize XXXX XXXX to put this auto lease on my credit reporting agencies I demand this be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Wednesday XX/XX/year>, I contacted XXXX XXXX from XXXX to come out and mow my lawn. I paid XXXX XXXX of XXXX from the Cashapp as I had previously done. XXXX XXXX has mowed my lawn two times previously, so when I needed services again I called him. On the agreed upon date which was the very next day of Thursday XXXX XXXX XXXX wasn't able to show up so he was supposed to come on Friday and again he was a no show. I reached out to XXXX and was told that he would be coming, but then I got a message saying that he had a family emergency and would have to stop all lawn services and would be refunding my money via cash app back since the service was not performed. I have called, texted and sent messages which have all gone unanswered. XXXX XXXX even deactivated one of the ways that you could get in contact with him via the XXXX app on the internet. His Nextdoor profile is now stating that he resides in XXXX XXXX Florida when it previously used to say XXXX XXXX XXXX which is here in GA.. He is not responding to my calls or text and I paid him {$120.00} for services he did not perform. It has been several days and he has had enough time to refund my money yet he hasn't, I believe he has no intention of refunding my money and has skipped town with it instead. I fled a claim with cash app because the is fraud and he lied and misrepresented himself. XXXX also have screen shots of my payment and messages that he sent to me as well saying that he didn't perform the service and that he would be giving me a refund. I paid {$120.00} XXXX XXXX to come out every XXXX weeks and cut my front and back yard, yet no services were rendered but XXXX XXXX kept my money and lied saying he would be refunding me but he has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Per the terms of USC 1681g, the inaccurate accounts should be discovered and cleared within 15 days of receiving notice.

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 2025-08-19 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: BetterNOI, LLC
State: GA

Complaint narrative:
I am submitting this letter to report identity theft and to request an immediate investigation and removal of fraudulent information from my credit reports. 
My personal information was compromised in a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. I am the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting this letter to report identity theft and to request an immediate investigation and removal of fraudulent information from my credit reports. 
My personal information was compromised in a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. I am the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Equifax for Reporting Unverifiable Bankruptcy Information in Violation of the FCRA To Whom It May Concern, I am writing to file a formal complaint against Equifax Information Solutions , Inc. for its continued reporting of a bankruptcy on my consumer credit report that is inaccurate, outdated, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under the FCRA, consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report and must be able to verify the source and accuracy of any public record they include. Despite multiple disputes, Equifax has failed to provide documentation or verification from the original source the court confirming the accuracy and completeness of the bankruptcy information currently listed on my credit report. Specifically : Equifax has not provided a copy of the original public record or any certified documentation from the court verifying the bankruptcy. The information being reported lacks sufficient detail to confirm its accuracy and completeness. I have reason to believe the record may have been misattributed or improperly sourced. I respectfully request that the CFPB investigate Equifaxs procedures for verifying public record data and determine whether this bankruptcy entry meets the legal standard for accuracy and verifiability under the FCRA. I am requesting that Equifax be directed to : Delete the bankruptcy record from my credit report due to lack of verifiable documentation. Cease any further reporting of this record unless it can be properly verified with certified court documentation. Provide a written explanation of its procedures for verifying public record information. Enclosed are copies of my credit report showing the disputed bankruptcy entry, along with prior correspondence with Equifax regarding my dispute. Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure compliance and protect consumer rights. Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I deposited a check for {$7000.00} into my Capital One account. The bank initially emailed me stating my funds would be available the next business day. However, the availability date was later pushed back nearly a week without clear explanation. 

When I attempted to verify the check over the phone, I was blocked due to arbitrary daily limits on one-time passcode ( OTP ) verifications. When asked if I could verify my identity in-person to speed up the process, I was told Capital One does not allow customers to verify identity in person at their cafs or branches, leaving me unable to access my own money until the OTP limit resets.

Financial Harm Experienced : This check had already been significantly delayed by the issuing bank before I received it. Capital Ones extended hold made the delay even worse. Because I was unable to access my own funds. I had to borrow money to cover daily expenses. I incurred late fees on my rent and other bills due to not having access to the money I deposited. Several charges attempted to process on my account while the funds were on hold, which resulted in bounced payments and additional overdraft/NSF fees . This has created severe financial strain and unnecessary stress, all caused by Capital Ones policies.

Why This Matters : Capital One can immediately debit accounts for payments, but delays releasing customer deposits, even after promising next-day availability. Their OTP-only system with no in-person alternative unfairly blocks customers from verifying identity and accessing funds. The lack of transparency around these policies, combined with the financial harm it creates, constitutes an unfair and deceptive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TFS FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XX/XX/XXXX summarily suspended my home equity line of credit, on the erroneous basis that my primary residence had changed when I requested a temporary change of mailing address to assure timely invoice payment while temporarily caring for an aging relative. 

Requests to appeal the decision sent with supporting information to XXXX XXXX XX/XX/XXXX and again XX/XX/XXXX have gone unanswered. My account remains frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
You have given my information to another stranger saying that I owe you money. After you have already put this debt on my credit. Your lawyer says that they dont have the ability to remove or report anything to my credit so now what do we do. I dont owe new city funding any money and fyi if I did owe you money you forfeited your rights to anything anyone owes you when you gave my personal information to a law firm. I was unaware that I was even being sued until I filed my first complaint against you and your company responded with your lawyers information. New city funding needs to remove this inaccurate account off of my credit report or i will sue you. This is damaging my credit and has been for a while and I want it off so whats next

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Following the provisions of USC 1681g, these erroneous accounts must be found and removed within 15 days of receipt of notice.

Company response to consumer: Closed with explanation