vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On Sunday, XX/XX/year>, I applied for and was granted a " Free Blue '' checking account on the Arvest Bank company website. I was given an account number, and to complete the steps, I had to go to the XXXX XXXX to deposit at least {$50.00}. On Thursday, XX/XX/year>, I went to the branch and was told that I wouldn't be able to use the existing account number that was provided to me from the company 's website. No reason was given. They then tried to create a new account, but it failed. I was given a paper that essentially said the decision to not open an account was in whole or in part to my XXXX report and to reach out to them for a copy of said report. The branch wasn't able to give any specific reason. On the same day, I reached out to XXXX for my report, which I received days later via postal mail. There was nothing in my report, so I called Arvest Bank Customer Service number. The agent said she couldn't provide a reason as to why I was denied a checking account, but I should return to the branch and ask for a XXXX XXXX, because they will have the ability to override the decision. During this period, I also received a debit card from XXXX for the initial account that was created on the website. The card wouldn't activate because the account was " closed, '' and the agent on the phone couldn't explain how a card was mailed out even though I was denied an account. I returned on Thursday, XX/XX/year>, and spoke with a branch XXXX who tried again to open a new checking account but failed. She referred me to ChexSystems again, even after I told her that I already have my report and there's nothing in the report. Also, ChexSystems said they are not able to overturn a banks denial. I asked the XXXX how I could get an explanation and / or resolve this, and she said she didn't know. She said there's nothing she can do further to help and said I should try another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

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 : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A debt collector tried to collect an incorrect debt amount from a medical bill that was past due which was news to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute one or more unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ), a credit inquiry requires my prior written authorization. I did not authorize the following hard inquiry/inquiries : 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 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 Credit Bureau ( s ) Reporting : [ Experian, TransUnion, Equifax I have contacted the credit bureaus and the company directly but have not received a resolution. These inquiries are negatively affecting my credit score and were either done without my permission or not associated with any application I submitted.

Attached are copies of my credit report showing the inquiries in question, my government-issued ID, and proof of address.

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 2025-07-31 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: NC

Complaint narrative:
I am writing to dispute one or more unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ), a credit inquiry requires my prior written authorization. I did not authorize the following hard inquiry/inquiries : 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 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 Credit Bureau ( s ) Reporting : [ Experian, TransUnion, Equifax I have contacted the credit bureaus and the company directly but have not received a resolution. These inquiries are negatively affecting my credit score and were either done without my permission or not associated with any application I submitted.

Attached are copies of my credit report showing the inquiries in question, my government-issued ID, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

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 : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am getting email and text messages from bank credit card pay the money which I never used they sayed someone using in New Jersey which I have no idea

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report contains inquiries that I do not recognize. I did not give permission to these companies to access my credit report, nor did I apply for any accounts with them. I take my rights as a consumer seriously, and I find it extremely upsetting that they have been violated in this way especially given the amount of stress I am already dealing with in my life.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my records and review of my credit report, I noticed a hard inquiry that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: 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 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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b"I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they \n utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in \n creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently \n under investigation by the FTC Unauthorized Accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT ED/XXXX XXXX XXXX DPT EDXXXX XXXX XXXX, DPT EDXXXX XXXX XXXX, DPT ED/XXXX  XXXX XXXX XXXX     DPTED/XXXX XXXX XXXX, DPT ED/XXXX XXXX XXXX, DPT ED/XXXX XXXX XXXX, DPT EDXXXX XXXX XXXX, DPT ED/XXXX XXXX XXXX XXXX, DPT EDXXXX XXXX XXXX, DPT ED/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 non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
Although you previously stated that this account was already investigated and verified, I remain concerned about their accuracy. Please conduct a thorough investigation as required under the FCRA, and provide documented proof of prior investigations for these listings. I believe the Credit Reporting Agency has not fulfilled its legal obligation to reasonably investigate disputed information, allowing inaccurate or unverifiable accounts to remain.

Please avoid automated or unverified responses. Ongoing reporting of inaccurate information is affecting my employment, housing, and finances.

I request that you delete these accounts if appropriate, and ensure all actions comply with FCRA 15 U.S.C. 1681i. If the matter is not resolved within the 30-day FCRA timeframe, I may seek legal counsel to protect my rights. 
Although the debt was removed from company books and tax adjustments/breaks were made because of the debt cancellation, it continues to be reported to consumer agencies as a Reposession/write off and with an outstanding balance which is all inaccurate ( false reporting ). A 1099-C form for cancellation of debt over {$600.00} was not received, nor was any related disclosure provided. These actions do not align with FCRA guidelines, IRS regulations, or XXXX. 

XXXX XXXX - ACCT # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
Although you previously stated that this account was already investigated and verified, I remain concerned about their accuracy. Please conduct a thorough investigation as required under the FCRA, and provide documented proof of prior investigations for these listings. I believe the Credit Reporting Agency has not fulfilled its legal obligation to reasonably investigate disputed information, allowing inaccurate or unverifiable accounts to remain.

Please avoid automated or unverified responses. Ongoing reporting of inaccurate information is affecting my employment, housing, and finances.

I request that you delete these accounts if appropriate, and ensure all actions comply with FCRA 15 U.S.C. 1681i. If the matter is not resolved within the 30-day FCRA timeframe, I may seek legal counsel to protect my rights. 
Although the debt was removed from company books and tax adjustments/breaks were made because of the debt cancellation, it continues to be reported to consumer agencies as a Reposession/write off and with an outstanding balance which is all inaccurate ( false reporting ). A 1099-C form for cancellation of debt over {$600.00} was not received, nor was any related disclosure provided. These actions do not align with FCRA guidelines, IRS regulations, or XXXX. 

XXXX XXXX - ACCT # XXXXXXXX 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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COLUMBIA BANKING SYSTEM, INC.
State: GA

Complaint narrative:
I make my payments on time before hand and every time this business is reporting that XXXX over my balance or say I didnt make a payment, which affects my XXXX XXXX negatively

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 2025-07-31 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:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding XXXX XXXX XXXX  XXXX XXXX accounts that are currently being reported on my Experian and Equifax credit reports. These accounts contain multiple inconsistencies, reporting errors, and lack of proper verification, all of which constitute violations of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX and related consumer protection laws. 



ACCOUNT XXXX XXXX XXXX XXXX ( Ending in XXXX ) Account Type : Revolving / Credit Card Status : Closed Date Opened : XX/XX/XXXX Reported Balance : {$8600.00} Past Due Amount : {$1900.00} Payment Status : 120180 Days Late Reporting Comment Conflict : Account closed due to inactivity vs. Account closed by XXXX XXXX Errors and Discrepancies : The account reflects a past due balance despite being closed, which violates XXXX XXXX and standard credit reporting logic. 
Discrepancies between Experian and Equifax regarding credit limit and number of late days reported. 
No legally sufficient documentation has been provided to validate these late payments or past due status. 
Conflicting comments as to why and by whom the account was closed. 
No updated record confirming any effort to validate these items per FCRA XXXX. 



ACCOUNT XXXX XXXX  XXXX XXXX ( Ending in XXXX ) Account Type : Revolving / Credit Card Status : Charged-Off / Derogatory Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} Payment Status : Collection/Charge-Off Errors and Violations : The creditor failed to provide proper verification or validation of this alleged debt in accordance with FCRA XXXX ( a ) ( XXXX ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Last payment date appears inaccurate or fabricated, with no backup documentation. 
No notification or documentation of the charge-off process, as required by law. 
Account reflects balance and derogatory status without proof of validation or proper notice. 



DEMAND FOR IMMEDIATE REMOVAL Due to the serious discrepancies, lack of lawful verification, and violations of the FCRA and XXXX XXXX standards, I am requesting the immediate and permanent removal of both XXXX XXXX XXXX accounts from my Experian and Equifax credit reports. 

I have attached visual evidence of these inconsistencies and reporting errors. If needed, I am willing to provide further documentation. 

Thank you for your prompt attention to this matter. I respectfully request that this investigation result in a full deletion of both accounts from all consumer reporting agencies.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone applied for a Citibank card in my name, using all of my information. 
i want all of this information and card removed from my credit.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. 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 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