vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, in connection with fraudulent accounts that remain on my credit report despite multiple properly submitted disputes. Between XX/XX/year>, and XX/XX/year>, I filed complaints with the CFPB under case numbers XXXX, XXXX, and XXXX, culminating in the current case reference number XXXX. I submitted all required documentation, including a valid FTC identity theft affidavit, proof of address, and government-issued identification. Despite this, Equifaxsupervised by XXXX ( Employee ID : XXXX ) improperly processed my identity theft claim as a regular dispute on the grounds that my FTC affidavit lacked a page number, thereby failing to block the fraudulent accounts within the required XXXX business days, as mandated by 605B. Furthermore, Equifax verified the accounts without disclosing its sources, in direct violation of 611. These actions reflect a continued pattern of non-compliance, disregard for FCRA obligations, and defiance of precedents such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm a consumers right to accurate reporting and fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I couldnt make the payment due to my bank verifying the transactions. Capital one repeatedly pulled the money and Returned it multiple times causing my bank to not accept the payment. After XXXX XXXX XXXX didnt accept the transaction due to there verification I tried Using XXXX ACH That as well Didnt accept. Then the account was closed and sent as a Charge off. Quick with no time to discuss what just happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-29 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: NY

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a check from my job that Ive deposited multiple checks through chase before. And now my funds are currently being held for over a week. I have multiple bills, gas and groceries needed, and etc. I shouldnt have to wait XXXX weeks to get paid and then have to wait another 10 days for MY money that I work everyday for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report deceptive and unlawful conduct involving the Apple Card, jointly operated by Apple Inc. and Goldman Sachs Bank USA. I am requesting the XXXX XXXX XXXX XXXX XXXX investigation and enforcement support for the following reasons : XXXX. Mishandled Disputes and Investigations As cited in your XX/XX/XXXX enforcement action, Apple and Goldman Sachs were found to have : Failed to properly process transaction disputes submitted through the XXXX app ; Illegally delayed acknowledgments and failed to conduct reasonable investigations ; Placed false and damaging charge-off notations on consumer credit files. 

I have personally been harmed by this misconduct. My Apple Card account, opened on XX/XX/XXXX, now reflects a {$8100.00} charge-off reported to XXXX and XXXX  ( XXXX XXXX report XXXX XX/XX/XXXX ). I did not receive proper dispute processing nor timely notices. This contradicts TILA ( 15 USC 1666 ) and FCRA ( 15 USC 1681s-2 ( b ) ) which require furnishers to accurately and fairly investigate disputed data and update credit reports.

2. Deceptive Interest-Free Offer I was under the belief that I was enrolled in an interest-free payment plan when I financed my Apple device ( s ) via Apple Card. I was charged interest despite Apples advertising promising otherwise, a practice the CFPB confirmed was deceptive and in violation of the Consumer Financial Protection Act. I was never made aware of needing XXXX or taking additional steps to enroll, and the interest accrued without my informed consent. 

3. Credit Report Damage and Financial Harm Due to the unlawful placement of this charge-off and continued reporting despite the CFPBs findings, I have : Been denied credit cards and auto loans ; Suffered increased interest rates ; Been financially and emotionally harmed. 

I am requesting a full deletion of this account from all credit bureaus and restitution in the amount of {$8100.00}, matching the amount charged off on my report. This reflects the monetary damage, interest paid under deceptive pretenses, and the long-term effects on my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Reliance Motor Credit LLC
State: NJ

Complaint narrative:
I have no knowledge of this inquiry. Its unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
I have no knowledge of this inquiry. Its unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 XXXX  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 XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX - 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 UNAUTHORIZED INQUIRIES : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Deposited a XXXX cashiers check in person, from another bank, on XX/XX/2025, and was told the funds would be available by midnight. Called to speak with a representative on XX/XX/2025 as funds have not been made available and was told a vague security hold was placed on the deposit. When asked for further details as to why, was told that it was a XXXX day hold because it came from an external location even though it was from another bank. Asked for the hold to be released as funds are needed for the sale of our home and was told the case would be escalated. The case was escalated and was stated that nothing else could be done so the complaint was closed. No further details were given as to why the security hold was placed and no attempt was made to resolve the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

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 explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in several data breaches some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. Please help me with this matter by removing and blocking the accounts

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 2025-05-29 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I disputed a XXXX XXXX collection account for {$4000.00} that is being reported through Equifax. I submitted sufficient ID including my drivers license, utility bill, and last XXXX digits of my SSN. 

I requested proper validation including : A signed contract or application A full billing history Chain of assignment from the original creditor to XXXX XXXX XXXX purpose documentation under FCRA 1681b XXXX  responded by stating the account was verified but provided none of the above. Their response was vague and failed to include any actual documentation, yet they continue to report this debt as accurate. 

Why this is a problem : This violates : FCRA 1681i no reasonable reinvestigation was performed FCRA 1681e ( b ) unverifiable information is still being reported FCRA 1681n willful noncompliance, given prior certified letters and documentation Equifax sent me a letter saying my dispute is frivolous even though they have not obeyed the law and sent the things I requested. 

Another stall tactic of theirs was to demand I send my full social security number which is against the law as well. they say they cant prove Im me but they say the debt is mine? Make it make sense please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: GA

Complaint narrative:
VW CREDIT, XXXX XXXX XXXX are in violation of the fcra section 15 U.S.C. 6802 6803

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
The following items on my credit is not accurate. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove this account from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this account from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this account from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2025-05-29 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:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief