vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit reports with Equifax. I am the XXXX  of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Background : I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Identity Theft Report : In accordance with XXXX XXXX. XXXX, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. 
Legal Violations : The following legal provisions have been violated in relation to these unauthorized credit inquiries : * XXXX XXXX. XXXX ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent. 
* XXXX XXXX. XXXX ( a ) ( XXXX ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply. 
* XXXX XXXX. XXXX Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft. 
* XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries. 
Unauthorized Inquiries : The following is a list of unauthorized inquiries that I am disputing : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681 b & I need them blocked & deleted from my report as soon as possible.

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 2025-07-01 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Account with XXXX XXXX  XXXX Im unaware of this this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature if not please delete acct as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been the victim of identity theft. The following unauthorized credit inquiries were made using my personal information without my knowledge, authorization, or consent. I did not apply for credit with these institutions, and I am requesting an immediate block and permanent removal of these inquiries from my credit file Pursuant to 15 U.S.C. 1681c2 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: FL

Complaint narrative:
Account Possible Finance I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account Possible finance as soon as possible from my report or I will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX of receiving this request, as required by federal law.

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 2025-07-01 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: MA

Complaint narrative:
Since XXXX of 2023, I have been been disputing fraudulent accounts with TransUnion, Equifax and Experian both directly and via the CFPB online complaint portal. Despite providing all necessary information, each dispute was marked as verified. However, when I contacted the original creditors, they confirmed they never received any disputes from the credit bureaus. In other words, although the bureaus claimed to have conducted an investigation, the creditors were not involved in any investigation. This has been emotionally exhausting and financially damaging. I've been denied credit, faced higher interest rates or stricter loan terms, and feel powerless in trying to clear my name.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Formal Debt Validation Demand Pursuant to 15 U.S.C. 1692g, UCC 9-208, and 18 U.S.C. 894 To Whom It May Concern : This letter is a formal request under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) demanding complete validation of the alleged debt that Jefferson Capital Systems , LLC claims I owe. I hereby dispute the validity of the purported debt in its entirety, and I invoke my rights under federal law. 

Pursuant to the FDCPA, you are legally prohibited from engaging in any collection activity until full and lawful validation is provided. To comply with federal requirements, you must furnish the following : A detailed breakdown of the alleged debt, including all principal, interest, fees, charges, and payments applied since inception. 

A copy of the original contract or agreement, signed by me, that created the alleged obligation. 

Clear and unbroken documentation establishing your legal ownership of the debt, including a full chain of assignment or bill of sale from the original creditor to Jefferson Capital Systems , LLC.

The name, address, and contact information of the original creditor, along with the date of default or charge-off. 

Furthermore, under UCC 9-208, as a party claiming to be a secured creditor or assignee, you are obligated to provide a full and accurate accounting of the obligation upon demand. Failure to meet this requirement may constitute deceptive or misleading practices.

Let this also serve as a warning that any conduct by your agents or representatives amounting to coercion, harassment, or attempts to collect through intimidation may violate 18 U.S.C. 894, which criminalizes extortionate credit transactions. If any such behavior is detected, I will not hesitate to report your organization to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the appropriate state Attorney General.

Be advised : Until you provide the validation requested herein, you must cease all collection efforts immediately. 

Reporting this alleged debt to any credit reporting agency without verifying its accuracy and ownership will constitute a willful violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 1681o.

Failure to respond with appropriate documentation within 15 days will be taken as an inability or unwillingness to validate the debt and may lead to legal action.

This letter shall be retained for future legal use. You are further instructed not to contact me by phone. All communications must be made in writing and sent to the address listed above. 

Conduct yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt.

Defamation & Emotional Distress Damaging my financial reputation.

Negligence Failure to verify the legitimacy of the debt before reporting.

I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted. 



Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt. 
Defamation & Emotional Distress Damaging my financial reputation. 
Negligence Failure to verify the legitimacy of the debt before reporting. 
I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted.

Account Name : SYNCB/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX wallet back in XXXX. Package was delivered XX/XX/XXXX and package was returned back XX/XX/XXXX via XXXX  ( prepaid return label was paid by the merchant ) when pact was dropped off at XXXX  I have the receipt. XXXX lost the package, merchant lied about filing a lost claim to XXXX. As per XXXX  merchant did not pay for return insurance. And continue to lie about claim. Since XX/XX/year>XXXX  until now capital one keep on denying my claim. Once package was dropped off I dont have any control of the package until delivered. The problem was XXXX  lost the package XXXX XXXX Do not want to file the claim and capital one keeps one denying my claim. Ive file claim so many times to capital one and they keep saying will not issue me refund. A Coupe of weeks ago they told me 60 days is past so they can not reopen the case anymore. Case XXXX They keep saying I need to return the wallet back to XXXX XXXX. They dont believe me I have the XXXX receipt when it was dropped off. I can not print that receipt unless XXXX  scanned the label.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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