vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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 filing this complaint because XXXX hard credit inquiries appeared on my Equifax credit report, and I did not authorize any of them. 
The inquiries are : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Ally Financial XX/XX/year> XXXX XXXX XX/XX/year> Truist Dealer Services XX/XX/year> AN XXXX XXXX XX/XX/year> I did not apply for credit with these companies and I did not give written permission to pull my credit file. These inquiries were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), companies must have a permissible purpose to obtain a consumer report, and in most cases they must have my signed authorization. See 15 U.S.C. 1681b.

I disputed these inquiries because they are unauthorized. Equifax is required to conduct a reasonable reinvestigation and delete any inquiry that can not be verified as lawful and authorized. See 15 U.S.C. 1681i.

If any company claims that these inquiries were authorized, Equifax should be able to provide a copy of my signed consent. No such authorization exists. 
These unauthorized inquiries are harming my credit and represent improper access to my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-12-27 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: PA

Complaint narrative:
XXXX student loan accounts serviced by XXXX were reported on XX/XX/year>, with balances of {$2200.00} and {$1000.00}, both listed as in good standing. I previously disputed the accuracy and reporting of these accounts and requested verification and documentation supporting the balances and the reporting status. Despite my dispute, the accounts continue to be reported without any evidence that proper verification was conducted. No documentation, itemized accounting, or explanation of how the information was validated has been provided to me. I am concerned that the information is being reported without proper investigation and may be inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OPORTUN FINANCIAL CORPORATION
State: TN

Complaint narrative:
The oportu app keeps charging me money on my debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), they were supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. That didnt make any sense, Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. Here is a link to the report that detailed your violations -https : //www.consumerfinance.gov/XXXX  The FCRA clearly states that you have to investigate within 30 days and provide a timely response.

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 2025-12-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-27 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: OH

Complaint narrative:
I am sending this complaint because every credit report tells a story, and mine deserves to be told accurately. When I opened my account with XXXXXXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$10000.00}, I did so with the clear intention of honoring my obligations and maintaining a record that reflected responsibility and trust. From the very beginning, I made payments in good faith, including the most recent one on XX/XX/XXXX. Yet, despite my efforts, the way this account is currently reported does not reflect the reality of my commitment. The entries on my file show late payments XXXX days late in XX/XX/XXXX, XXXX days late again in XX/XX/XXXX, XXXX days late in XX/XX/XXXX, and XXXX days late in XX/XX/XXXX. This sequence of reporting paints a picture of neglect, but that is not the true story of this account. The truth is that payments were made and the account was managed with the intent to fulfill the agreement. The reporting as it stands now misrepresents the relationship I had with this creditor and the way the account was handled. The Fair Credit Reporting Act was designed to protect consumers from exactly this kind of misrepresentation. Under 15 U.S. Code 1666, creditors are required to investigate and correct billing errors when they are brought to their attention. Under 1666a, they are restricted from continuing to report disputed information without proper investigation. The law also places obligations on credit bureaus themselves : CRA 611 ( 15 U.S.C. 1681i ) requires that when a consumer disputes inaccurate information, the bureau must reinvestigate and correct the record. Furthermore, furnishers of information have duties under FCRA 623 ( a ) ( 2 ) to ensure that what they report is accurate and updated, and under 623 ( b ) they must investigate disputes and provide corrected information once notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
I am sending this complaint because every credit report tells a story, and mine deserves to be told accurately. When I opened my account with XXXXXXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$10000.00}, I did so with the clear intention of honoring my obligations and maintaining a record that reflected responsibility and trust. From the very beginning, I made payments in good faith, including the most recent one on XX/XX/XXXX. Yet, despite my efforts, the way this account is currently reported does not reflect the reality of my commitment. The entries on my file show late payments XXXX days late in XX/XX/XXXX, XXXX days late again in XX/XX/XXXX, XXXX days late in XX/XX/XXXX, and XXXX days late in XX/XX/XXXX. This sequence of reporting paints a picture of neglect, but that is not the true story of this account. The truth is that payments were made and the account was managed with the intent to fulfill the agreement. The reporting as it stands now misrepresents the relationship I had with this creditor and the way the account was handled. The Fair Credit Reporting Act was designed to protect consumers from exactly this kind of misrepresentation. Under 15 U.S. Code 1666, creditors are required to investigate and correct billing errors when they are brought to their attention. Under 1666a, they are restricted from continuing to report disputed information without proper investigation. The law also places obligations on credit bureaus themselves : CRA 611 ( 15 U.S.C. 1681i ) requires that when a consumer disputes inaccurate information, the bureau must reinvestigate and correct the record. Furthermore, furnishers of information have duties under FCRA 623 ( a ) ( 2 ) to ensure that what they report is accurate and updated, and under 623 ( b ) they must investigate disputes and provide corrected information once notified.

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 2025-12-27 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding systemic Fair Credit Reporting Act violations following confirmed data-breach exposure. 

Despite identity-theft notice, consumer reporting agencies and furnishers continue reporting inaccurate and unverifiable inquiries, charge-offs, collections, and personal identifying information.

This conduct violates 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2 and requires immediate regulatory intervention. 

Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MS

Complaint narrative:
I recently reviewed my consumer credit report and discovered several accounts, inquiries, and personal information being reported that I do not recognize, did not authorize, and did not knowingly agree to. 
At the time these accounts were allegedly opened or reported, I was an uninformed consumer and was not provided clear, conspicuous, or meaningful disclosure of the terms and conditions associated with these accounts. I was also not informed of my right to opt out of credit reporting, nor did I give written or verbal authorization for my nonpublic personal information to be shared or reported. 
As a result, my personal and financial information was used and reported without my knowledge or consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). 
I have reason to believe that inaccurate, unverifiable, or unauthorized information has been furnished to consumer reporting agencies without lawful purpose. These inaccuracies have caused harm to my credit profile, financial standing, and overall well-being. 
I am formally disputing all inaccurate, misleading, and unauthorized information associated with my credit file and requesting that each shown item be fully investigated, verified, or deleted in accordance with federal law. 
I am requesting full compliance with the Fair Credit Reporting Act, including but not limited to : Verification of accuracy and permissible purpose Immediate deletion of any unverifiable or unauthorized information Correction of all inaccurate personal data I am acting in good faith and expect this matter to be handled promptly and professionally.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase at XXXX in XXXX. All transaction attempts were declined, and I left the store with my card in my possession. I did not receive any goods or services and did not authorize any transaction. 

Despite this, a charge of {$6100.00} posted to my credit card account on XX/XX/year>, without my authorization. I did not approve the transaction, sign a receipt, enter a PIN, or provide consent for delayed or manual processing. 

At the time this charge posted, XXXX XXXX publicly acknowledged system outages affecting card transactions, online banking, and account access ( early XX/XX/year> ). Because of these known system issues, any authorization data generated during this period is unreliable. 

I promptly reported the unauthorized transaction to XXXX XXXX. However, the XXXX XXXX denied my dispute without providing documentation such as a signed receipt, XXXX data, or proof of authorization. Their response did not demonstrate that a proper investigation was conducted as required under the Truth in Lending Act ( Regulation Z ). 

This charge was not authorized, I received no benefit from it, and XXXX XXXX has failed to conduct a reasonable investigation or provide evidence supporting their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TN

Complaint narrative:
I am filing a complaint to you once again regarding multiple inaccuracies and unauthorized inquiries appearing on my credit reports with Experian, Equifax, and TransUnion. This is my XXXX formal follow-up regarding these matters, as previous communications have not resulted in the complete removal of the disputed information. I am extremely concerned about the continued reporting of these errors, which directly impact my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon careful review of my credit files, I identified that the account XXXX XXXX XXXX is being reported as a late closed account with a balance owed of {$0.00} on all three bureaus ( Experian, Equifax, TransUnion ) XXXX This reporting is inaccurate, misleading, and unverifiable. In accordance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), I am requesting the immediate removal of this account from all my credit reports. This repeated failure to remove inaccurate accounts is unacceptable and continues to cause me undue stress and harm. 
Additionally, my Experian report contains several inquiries that were not authorized by me and lack any permissible purpose under federal law. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are in direct violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). I demand the permanent removal of these inquiries, as they were made without my knowledge, consent, or authorization. The fact that they remain on my report despite previous requests is both troubling and legally questionable.

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 2025-12-27 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: AL

Complaint narrative:
I recently disputed XXXX XXXX with all three credit reporting agencies Experian, Equifax and TransUnion with the same information. Experian has deleted the XXXX XXXX collection account after reinvestigation. Experian, TransUnion and Equifax are reporting inaccurate and unverifiable information about Western Funding as ( XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year> Experian deleted the XXXX XXXX from my credit report. Not sure why Experian, TransUnion or Equifax are reporting XXXX XXXX XXXX ( XXXX XXXX ) as active. I sent out certified cease and desist letter on XX/XX/year> to cease all communication from harassment with excessive calls, texts messages and emails unless providing proof of the debt, the original creditor or their legal right to collect. Continuing to report this unvalidated debt violates the XXXX XXXX XXXX ( XXXX XXXX. XXXX ). XXXX XXXX XXXX ( XXXX XXXX ) account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
As per Robinhood advertisement XXXX XXXX cash back should be provided. Instead Robinhood have given just 2 % cash back. When I asked about the same, customer support said that I opted for automatic redemption towards statement credit and statement credit is eligible foXXXX XXXX XXXX  itself. I have not seen any where mentioned in the app about automatic redemption would be just XXXX XXXX I requested Robinhood to revert my points and cancel automatic redemption and customer support refused to revert my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XX/XX/year>, I applied for a Capital One XXXX credit card and was denied. The application date was XX/XX/year>, under my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX, phone XXXX, email XXXX. I did not receive a written adverse action notice explaining the specific reasons for denial or identifying the credit bureau ( XXXX ) used, as required by law. 
On [ date you will mail it ], I sent Capital One a formal written letter by certified mail, return receipt requested, asking for : ( 1 ) the specific principal reasons for the adverse action, and ( 2 ) the name and contact information of the consumer reporting agency ( ies ) they used, citing the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ). I also requested a manual reconsideration of my application, explained that I have two existing Capital One QuicksilverOne cards, and that my household income is about {$90000.00}. 
As of today, Capital One has not provided any proper written response with specific adverseaction reasons and bureau details, and has not meaningfully addressed my reconsideration request. This makes it difficult for me to understand and correct any issues in my credit reports or to know whether Capital One is complying with ECOA/FCRA notice requirements. 
I am asking the CFPB to require Capital One to : ( XXXX ) provide a compliant adverse action notice with specific reasons for denial and the credit bureau ( XXXX ) used for my XX/XX/year> application; and ( XXXX ) confirm that they have complied with all ECOA and FCRA requirements for credit denials and adverseaction notifications. 



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XXXXCapitalOneXXXX XXXXCapitalOneQuicksilverXXXX XXXX XXXX 
XXXX XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX $ XXXX, XXXX XXXX XXXX XXXXXXXXCapitalOneXXXXQuicksilverOneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, includingtheECOAandtheFCRA, withrespecttocreditdecisionsbasedoninaccurateorunverifiedconsumerreportinformation. 
Pleasesendyourwrittenresponse, includingtherequestedadverseactiondetailsandanyreconsiderationoutcome, totheaddressaboveand, ifpossible, byemailformyrecords. 
XXXX. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank closed my account recently first directing me to immediately to stop using my ATM card and electronic banking. I had elected to paper-free statements for each of my accounts. By denying me access to electronic banking the bank has prevented me from reviewing my transactions, records of which I require for tax purposes and for giving me a chance to review each account for evidence of fraudulent transactions.

Company response to consumer: Closed with explanation