vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my XXXX  credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Identity Theft XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I purchased a loan protection plan through OneMain Financial that included involuntary unemployment insurance underwritten by their affiliate, XXXX XXXX XXXX. I made this purchase specifically to provide financial protection in case I lost my job. My claim for benefits was denied, and I believe the denial is unfair and inconsistent with both the terms of the policy and general labor law principles. 

The company denied my claim on the grounds that I was not actively working a minimum of XXXX hours per week on the effective date of the coverage, which was XX/XX/XXXX. However, I was an active employee of a major university at that time and had been continuously employed there. During the week of XX/XX/XXXX, I was using accrued Paid Time Off ( PTO ) due to illness and scheduled vacation. I was still receiving full pay from my employer, and there was no interruption in my employment status.

I explained to OneMainXXXX that using PTO does not mean I was no longer employed or inactive. In fact, under federal labor law ( FLSA ), paid time off is considered part of active employment. Despite this, the company contacted my employer and misinterpreted their confirmation that I was on PTO as evidence that I was not " actively at work. '' I submitted supporting documentation, including : A statement from my employer verifying I was an active employee at the time, Pay stubs showing I was paid for that period, Records showing PTO was used. 

On XX/XX/XXXX, OneMain responded that my documentation did not provide evidence that warrants reversal of their original decision. Their conclusion appears to rely solely on a narrow and legally questionable interpretation of active work that does not account for paid leave. 

I am requesting that the CFPB review this matter and require OneMainXXXX to properly evaluate my claim in good faith. I believe this is a case of wrongful denial and potentially deceptive insurance practices. I am concerned that this company is selling unemployment insurance but then denying coverage based on overly strict interpretations that do not reflect real-world employment practices. 

Thank you for your help in addressing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One states that an account with a balance of XXXX was opened XX/XX/scrub>, 2019 and I have no knowledge of this. This goes against USC 15-1692 and other civil rights codes. I would like this resolved as soon as possible and everything within your contracts was done illegally, I prefer not to have to take this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-22 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
On XX/XX/year> I replaced my XXXX XXXX XXXX XXXX at the XXXX XXXX. I downloaded the Revolut app to access my monies. The app stated it could not recognize a problem on my device. This freaked me out as I was not able to have money on my account. However, Revolut authorize my account to be accessed on my husband device. Despite activating the account and gaining access I could not activate or gain access to my own Revolut account on my own phone. This is concerning because if it wasnt for my husband I would not have access to my monies. I immediately transferred all monies to Revolut to my XXXX XXXX XXXX Checking account until this is resolved.

Further, despite having a phone number attached to my account, Revolut says that my account has no phone access. At this time Revolut scared me so much I will keep my account open to verify my disability monies then request account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc . ) Due to inadequate customer service and unfair service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Subject : Formal Complaint Regarding Inaccurate Reporting of Account Paid by Insurance Request for Deletion To Whom It May Concern, I am filing this complaint to report a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ) related to an account reported by XXXX XXXX Account No XXXX XXXX on my Equifax credit report. 

What Is Happening : Despite this account being marked as deleted in both XXXX  and XXXX, Equifax continues to report negative payment history, including 30, 60, and 90 days late, even though the account was : Closed since XX/XX/year>, Paid off by an insurance company, as clearly stated in the comments : CONSUMER DISPUTES AFTER RESOLUTION, BALANCE PAID OR BEING PAID BY INSURANCE COMPANY. 

Violations Involved : FCRA 15 U.S.C. 1681s-2 ( b ) : The data furnisher ( XXXX XXXX ) failed to conduct a proper reinvestigation and continues reporting inaccurate information to Equifax. This includes reporting a delinquency on a debt that was resolved and paid through insurance. 

TILA 15 U.S.C. 1601 et seq. : There is a lack of transparency and proper disclosure regarding the balance resolution through third-party payment, which may mislead consumers and lenders reviewing the report.

GLBA 15 U.S.C. 6801 : Inaccurate and unauthorized disclosure of outdated or incorrect information compromises the integrity and confidentiality of my financial data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax regarding an inaccurate and unverifiable collection account reported by a company named XXXX. The account number is XXXX and the reported balance is {$560.00}. 

This account shows a Date Opened of XX/XX/year>, but also lists a Last Activity Date of XX/XX/XXXX, XXXXnearly two years before the account even opened. This is a serious error that violates FCRA 607 ( b ), which requires maximum possible accuracy in credit reporting.

Equifax also claims I made 100 % of payments on time, yet the account is listed as a charge-off. There is no itemized payment history, and the original creditor is not disclosed, violating FCRA 609 ( a ) ( 1 ). The account status is shown as Open while being marked as charged off, which is contradictory and misleading to creditors. 

I submitted a formal dispute to Equifax, but they failed to investigate and correct the account. I believe this account is inaccurate, re-aged, and unverifiable, and I am requesting CFPB to intervene and require Equifax to remove it from my credit report unless fully validated with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. I am filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, two credit card accounts opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a collection account opened at XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX XXXX and 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I requested certified validation of the debt in a letter dated XX/XX/XXXX and XX/XX/XXXX. I require the following documentation to properly asses the validity of this debt : 1. Official copy of the original application.

2. Notice of any insurance claims concerning this debt.

3. Supply evidence of chain of title that grants you legal standing to collect this debt.

4. Proof of creditor status. I contest the assertion that Synchrony Bank is the original creditor.I believe that the Investor is the true principal ( source of credit, thus creditor ), with Synchrony Bank acting solely as the borrower or fiduciary. [ this request was sent by regular mail, XX/XX/XXXX & XX/XX/XXXX ( certified mail ) ]

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 2025-05-22 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: MI

Complaint narrative:
CFPB Complaint SummaryXX/XX/XXXX Complainant Name :XX/XX/XXXX Date of Complaint : XX/XX/XXXXBankruptcy Chapter : XX/XX/XXXX Bankruptcy Filing Date :XX/XX/XXXXBankruptcy Discharge Date : XX/XX/XXXXBankruptcy Court : *XX/XX/XXXXXX/XX/XXXX of Michigan XX/XX/XXXX Case Number : XX/XX/XXXXXXXX Complaint Summary : I filed for XX/XX/XXXX bankruptcy on XX/XX/XXXX, and my debts were fully discharged. 
on XX/XX/XXXX in the XXXX XXXX XXXX Michigan Bankruptcy XXXX, XXXX XXXX XXXX. 

Despite this, the following creditors are still inaccurately reporting these debts on my credit reports as active, charged-off, delinquent, or in collections : XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX These accounts were clearly included in my bankruptcy and should reflect a {$0.00} balance and not show collection status.

This inaccurate reporting violates : - 11 U.S.C. 524 ( a ) ( 2 ) : the bankruptcy discharge injunction - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibition against furnishing inaccurate information - 15 U.S.C. 1681i ( a ) : requirement for reinvestigation of disputed 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 2025-05-22 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: FL

Complaint narrative:
I am filing a complaint about a collection account being reported by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ), with XXXX XXXX as the original creditor. This account appears on all three credit reports : Experian, Equifax, and TransUnion. 
I never received a dunning letter from XXXX XXXX XXXX as required by FDCPA 809. 
XXXX XXXX XXXX conducted a credit inquiry without my knowledge or consent, in violation of FCRA 604. 
The reported balance is false. XXXX confirmed that this account was already settled, and they even issued me a credit after resolving the matter. 
I also filed a formal FTC Identity Theft Report. 

This collection account is both inaccurate and unauthorized, and its continued reporting violates my rights under the FDCPA and FCRA

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint about a collection account being reported by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ), with XXXX XXXX as the original creditor. This account appears on all three credit reports : Experian, Equifax, and TransUnion. 
I never received a dunning letter from XXXX XXXX XXXX as required by FDCPA 809. 
XXXX XXXX XXXX conducted a credit inquiry without my knowledge or consent, in violation of FCRA 604. 
The reported balance is false. XXXX confirmed that this account was already settled, and they even issued me a credit after resolving the matter. 
I also filed a formal FTC Identity Theft Report. 

This collection account is both inaccurate and unauthorized, and its continued reporting violates my rights under the FDCPA and FCRA

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 2025-05-23 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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