vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a notice on XXXX from portfolio recovery with statements from a capital one business account credit card. The notice stated the law limits how long I can be sued on a debt. because of the age of the debt and they will nor sue me for it. I never gave portfolio recover the authorization to obtain any records of my personal records. I have a fraud alert on my profile so no accounts should be added without my written consent. the notice the sent validates they know they are violating my FCRA rights. They threaten to keep reporting the det even though it is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am exercising my right to request full verification of a hard inquiry on my credit file. I did not authorize this inquiry and am unaware of any interaction with the organization listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
This complaint is against S & S Recovery , Inc. for publishing an unauthorized debt collection account to my credit report without any form of validation, contract, or legal right to do so. I was never notified, never served, and never received my dispute rights under FDCPA 809.

They are illegally using and reporting my personal data, without consent, and are damaging my credit profile. Their failure to respond to debt validation demands and refusal to provide proper documentation qualifies as willful noncompliance. 

I am demanding deletion, cease and desist, and written confirmation within 10 days. They have already harmed my financial standing and mental health. I have prepared litigation and will pursue maximum statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 804 ( 15 U.S.C. 1692b ), regarding improper disclosure of a debt to a third party. 

On XX/XX/year> at XXXXXXXX XXXX, a text message was sent by XXXX XXXX XXXX to my sisters personal cell phone number. This message identified me by my full name and referenced a settlement available for my account, along with a reference number and instructions to call, text, or visit a website. 

Text content included : Hi XXXX XXXX, this is XXXX XXXX XXXX. Flexible settlement options are available for your account ( Ref : XXXX ) This is an attempt to collect a debt. 

This message was not sent to my personal phone, but to my sisters number, thereby improperly disclosing information about an alleged debt to a third party without my consent or authorization. 

Under FDCPA 804, debt collectors are prohibited from communicating with third parties in a manner that reveals the consumer owes any debt. Using language such as settlement options and referencing an account directly alludes to a financial obligation and constitutes an impermissible third-party disclosure.

I have attached a screenshot of the message as evidence. 

Requested Action : I am requesting that XXXX XXXX XXXX be investigated for this FDCPA violation and held accountable under the law. I would also like any unauthorized contact to third parties immediately cease, and any personal contact be made exclusively to my verified mailing address moving forward. 

Attached Evidence : Screenshot of the text message sent to my sister Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are having a significant and ongoing negative impact on my financial stability and personal well-being. 
This situation is placing an undue burden on me during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX 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 : {$590.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
This company is a scam. They are predatory lenders who will take additional or duplicated payments without your consent. Their explanations for this are rude, demanding and bordering harassment. Attempts to resolve the matter over the phone were unsuccessful and advised the only way to stop the payment was at the bank. They are unwilling to budge on resolving the debts, crediting payments that were deducted without authorization and you will end up owing double or more than you initially borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to report a fraudulent at-fault accident incorrectly attributed to my driving record, which is severely impacting my insurance rates and eligibility for an upcoming move to Georgia. I urgently request your intervention to have these erroneous records removed from my DMV, MVR, and insurance history. 

Key Details : LexisNexis Report : XXXX XXXX  Claim : XXXX XXXX  Policy : XXXX Incident : An accident involving a XXXX XXXX XXXX in XXXX, VA, attributed to my Virginia Driver 's License, occurred on XX/XX/XXXX. This accident was not caused by me ; my identity has been used fraudulently. 

Chronology of Investigation : LexisNexis : Confirmed that XXXX provided my exact first name, last name, date of birth, and state of residence, linking this fraudulent claim to my profile. 

XXXX Claims & Fraud Department : Acknowledged that an individual with my identical first name and last name initiated an insurance policy on XX/XX/XXXX, and subsequently filed the at-fault accident claim. 

XXXX confirmed this individual initially provided my date of birth, which was later changed. 

They also confirmed that this individual 's driver 's license number and address do not match mine. 

Despite these discrepancies and XXXX 's internal findings confirming a mismatch in key identifiers ( updated DOB, DL, address ), Progressive refuses to correct this data with LexisNexis, the primary aggregator for insurance history ( XXXX XXXX reports ). This inaction continues to negatively affect my insurance premiums and causes significant personal distress. 

Request for Intervention : I respectfully request your immediate assistance in compelling XXXX to rectify this fraudulent information. It is crucial that this other person 's accident record is delinked from my profile and the correct data is updated across all relevant databases ( LexisNexis, and my personal insurance history ). 

Currently this is causing me a long term financial impact due to unendurability and high premium rate of {$15000.00} over next 3 years until the issue is fixed. 

Thank you for your prompt attention to this critical matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I received a fraudulent email for a capital one credit card. I received an email saying a card with a {$300.00} limit and 29 % APR would be sent to me. I DID NOT AUTHORIZE THIS. The original mail, I thought came from XXXX  for a XXXX limit, however, XXXX  confirmed they did not send it and it was a phish email. XXXX said they will put a dispute to remove the hard inquiry and card from my report. 

Capitol One Informative : This inquiry was made without my authorization or knowledge. I suspect this is a result of a data breach, as outlined under the Fair Credit Reporting Act ( FCRA ) section 605B. As a victim of a potential identity theft incident, I am protected under this section, which requires the immediate removal of any fraudulent or inaccurate information upon notice. 

* * Violation of 15 USC 1581 * * As stated under 15 USC 1581, my right to privacy has been violated by the unauthorized access to my personal credit file without my explicit consent. The inquiry must be removed immediately to avoid further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA XXXX. I am filing this formal complaint against the three major credit reporting agencies-XXXX, XXXX, and TransUnion-for failing to accurately report and correct information on my credit file concerning the XXXX account ( Account Number ending in XXXX ). 
Despite the account being paid and closed, XXXX  and TransUnion continue to report a negative status and a " Late 30 Days '' remark after the account was closed. Meanwhile, XXXX  reports the account as positive, highlighting inconsistencies between the agencies. These inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S. Code 1681e ( b ) - Duty of credit reporting agencies to ensure maximum possible accuracy.- 15 U.S. Code 1681i ( a ) - Duty to reinvestigate disputes submitted by consumers.- 15 U.S. Code 1681s-2 ( a ) - Furnisher responsibilities to provide accurate information.

I have already submitted formal disputes to each bureau but the inaccurate information remains unresolved. These errors negatively impact my creditworthiness and financial opportunities.

I respectfully request that the CFPB investigate this matter and hold XXXX, XXXX, and TransUnion accountable for these violations. I am attaching supporting documentation, including a summary report and copies of my disputes to each bureau. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-07-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: IN

Complaint narrative:
I received debit card on XX/XX/year> via XXXX with my XXXXXXXX XXXX already deposited. I attempted to call as it states on card to activate.After holding for more than an hour for assistance the rep stated they don't activate unless I send my identification front and back via email with an account ID.I submitted and received email stating give 3 to 5 hours for review.I waited 3 hours after sending info 2x and called again.only to wait 1hr 20 min for rep with a new set of requests for more personal information and stating that you will need to wait24 hrs.call back, and try again. This feels fraudulent and they are withholding my funds. I have bills and if these verifications were met with social security administration prior why would they need my other personal info. They had no problem with mailing the card without verification why is activation a problem..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Tried to transfer funds out of Robinhood and they put up as many blockers as possible to keep my money in their hands as long as possible. Trying on my laptop, they required I verify who I am by receiving a code through text which I submitted as asked but then they tried to force me to then also download their app and receive notifications to verify a device I just verified just to get my money back when they didn't require any of that in order to deposit those same funds in the first place. So it failed on my laptop and I tried on my phone instead and got the same runaround. I verified myself via text then they tried to force me to download the app and turn on notifications to do the verification I just did. Or they want me to send a selfie. A SELFIE. I was able to get them on the phone to try to get my money that way and they won't give me it there either. Which is even more frustrating because they had to " verify '' me on the phone without a selfie and can tell me all kinds of info about my account yet they can't verify me online without a selfie.

Bottom line is Robinhood is throwing out as many asinine and arbitrary roadblocks in every users ' way to try to keep money that doesn't belong to them. I hope someone there is able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: AZ

Complaint narrative:
I am disputing a private student loan allegedly owned by XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and serviced by American Education Services ( AES ). I have made consistent, on-time payments for XXXX years, totaling over {$110000.00} on a loan originally around {$85000.00}. 

I recently entered financial hardship and formally requested ( via certified mail ) the following : A copy of the original signed promissory note bearing my wet-ink signature Full chain of assignment showing XXXX  legal ownership A review and release of my XXXX mother as cosigner A pause on collections and credit reporting during dispute XXXX  and AES have failed to provide this documentation, yet continue to threaten credit harm against my mother and pressure me with collection actions. This is a clear violation of FDCPA 809 and FCRA regulations.

Additionally, my mother is being held responsible for a loan she did not create, despite 17 years of timely payments, simply because I was granted forbearance in 2007 upon graduation. This is both unconscionable and inequitable. 

I am requesting immediate regulatory review, a cease and desist on credit threats, and enforcement of my right to documentation and equitable treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$970.00}

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 2025-07-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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