vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: OR

Complaint narrative:
I am writing to file a formal complaint against Equifax for not removing an unauthorized hard inquiries from my credit report despite repeated requests for its removal. I believe this action is in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Here are the details of my issue : Date of Inquiry : XX/XX/year> Company that Initiated the Inquiry : XXXX XXXX VIA DEALER Date of Inquiry : XX/XX/year> Company that Initiated the Inquiry : XXXX XXXX Reason for Dispute : I did not authorize these hard inquiries, nor did I provide consent for this companies to access my credit report. Despite my attempts to resolve this with Equifax directly, including letters and phone calls, the hard inquiries remains on my credit report. This is damaging my credit score and violating my rights under the FCRA. 

Under the FCRA, any inquiry must be made with the consumers explicit authorization. Since I did not authorize this inquiries, Equifax is required by law to remove it from my credit report. The failure to do so not only violates my rights as a consumer but also causes undue harm to my financial well-being. 

I respectfully request that the CFPB intervene on my behalf to ensure that Equifax immediately removes this unauthorized hard inquiries from my credit report and takes appropriate steps to correct any damage caused by this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have fike several complaints with Bank of America, XXXX, an on this website. I have reached out to so many people for help and nothing has yet to be resolved. We are marking XXXX  years to the date that bank of america froze my account and took all my funds from me. I have NOT and will NOT ever give up! I want the money that was in my account and issued to me asap! Ive waited long enough! First it was XXXX  days, then XXXX  days then XXXX  days approximately XXXX  years later and according to the bank, they're still working on it! I am demanding my money! I have already list everything! I have been nothing but a hard working United States citizen for years, and I am being punished for the banks mishaps! My whole life savings, ny dignity, my home, my car, every thing, gone! I do not deserve this and I deserve paid back! I have submitted written statements, police reports, XXXX of complaints, and was even on XXXX XXXX NEWS FOR THIS! I will not let this rest as i will keep fighting for what is mine or what is owed to me rightfully.

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 2025-11-09 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
This is an account that I signed up for that said on the sales draft that i needed to pay 36 equal payments and with no interest.

I set my bank to get the bills and pay 36 equal payments every 4 weeks, which has happened.

At some point 2 payments fell into a single billing cycle, since then they have charged my late fees and interest on the fees because the next payment fell after the due date, even though, at this point I have made 20 payments in 18 months, each payment has been every 4 weeks without fail.

I have 2 other accounts with them that i set to pay 36 payments 1 time a month, which have all also been on time, but no extra payments made, these that I have not made early payment have not charged late fees.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX  XXXX Subject : Formal Request for Block and Removal of Identity TheftRelated Entries under 15 U.S.C. 1681c-2 ISSUE IDENTIFICATION Request for the blocking and permanent removal of all negative, derogatory, or collection items from the credit file below identified in the attached credit report as resulting from identity theft, in accordance with federal statute.

STATUTORY CITATION 15 U.S. Code 1681c-2 ( a ) : 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, not later than 4 business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

APPLICATION TO FACTS Enclosed are : FTC Identity Theft Report ( from XXXX ), establishing the statutory proof of identity theft ; State-issued identification ( to satisfy subsection ( a ) ( A ) ) ; Credit report dated XX/XX/year>, identifying the following negative/derogatory items to be blocked : Collection Accounts to be Blocked : XXXX {$1100.00} XXXX {$2900.00} XXXX XXXX {$920.00} XXXX XXXX  {$670.00} XXXX {$2400.00} XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX {$130.00} ( closed ) Other Derogatory or Delinquent Marks : All XXXX delinquent or derogatory entries listed in report summary dated XX/XX/year>. 

These accounts were neither authorized nor initiated by the undersigned consumer and are the direct result of fraudulent identity use. 

XXXX XXXX XXXX presumption of debt validity exists in statutory text. Any doctrine of account accuracy presumption applied by bureaus or furnishers arises from administrative or judicial inference and is hereby nullified. Only statutory compliance with 1681c-2 controls.

CONCLUSION OF LAW Pursuant to 15 U.S.C. 1681c-2 ( a ), all items listed above must be blocked from reporting within 4 business days of receipt of this letter and accompanying documents.

Under 1681c-2 ( b ), reinsertion is prohibited unless verifiable evidence of accuracy and consumer authorization is produced and notice provided as required by law. 

Enclosures : FTC Identity Theft Report ( identitytheft.gov ) Copy of Government ID Credit Report ( XX/XX/year> ) 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collections Acquisition Company, Inc.
State: GA

Complaint narrative:
A company named XXXX  is reporting a collection for XXXX XXXX XXXX XXXX on my XXXX  credit report. This is not a valid credit account it was a service dispute with a tutoring business. 

Reporting it as a retail collection is inaccurate and misleading under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ). The account balance was also increased without authorization ( {$150.00} to {$190.00} ).

I previously disputed this item, and it appears to have been reinserted under a different collector name without notice, which violates FCRA 611 ( a ) ( 5 ) ( B ).

I request immediate deletion of this inaccurate collection and a written confirmation of the investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently discovered that a XXXX XXXX account ( ending in XXXX ) has been reported on my credit file. I have never opened or authorized any XXXX XXXX account and have no business or personal connection with the company. This appears to be a case of identity theft. 

The account first appeared on my credit report dated XX/XX/year>. I immediately contacted the credit bureaus to dispute the entry and began the process of filing an identity theft report. I have not received any communication from XXXX XXXX about this account prior to seeing it on my report, which confirms it was opened without my knowledge or consent. 

I am requesting that this fraudulent account be removed from my credit report and that XXXX XXXX be notified of the identity theft.

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 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX financed thru Exeter Finance with the interest rate being 25.55 %! 

After looking at each monthly {$400.00} bill payment I have made and the seeing the small amount of my {$400.00} total that actually is paying the principal, usually its like $ XXXX goes to the principal, I knew this could not be legal. I can never get in touch with anyone at Exeter finance nor thru the online account. Ive tried to refi this loan numerous times but no one will refi due to the XXXX being so high! I was told my credit was ran at the time of purchase ( I unfroze my credit files while doing the deal so I know the info was accessible ) and then found on my loan documents that I have Exeter Finance because I had no credit history!!! This is a lie and I need relief from this predatory lender who currently does have lawsuits against them in XXXX states! 
I have contacted my attorney generals office in Louisiana but have not heard back yet. 
However I have done research on this predatory lender and it is illegal to charge more than 24 % interest on a car loan! 
My interest is 25.55 %!! 
Help me get this company to compensate me for their lying usurious practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: KY

Complaint narrative:
This is letter for MULTI-DELETON AS PER LAW I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within 30 days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance. 

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within five business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently discovered that a XXXX XXXX account ( ending in XXXX ) has been reported on my credit file. I have never opened or authorized any XXXX XXXX account and have no business or personal connection with the company. This appears to be a case of identity theft. 

The account first appeared on my credit report dated XX/XX/year>. I immediately contacted the credit bureaus to dispute the entry and began the process of filing an identity theft report. I have not received any communication from XXXX XXXX about this account prior to seeing it on my report, which confirms it was opened without my knowledge or consent. 

I am requesting that this fraudulent account be removed from my credit report and that XXXX XXXX be notified of the identity theft.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Notice Pursuant to the FDCPA This letter is being sent in response to your claim that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of the alleged debt. 

Please note that this is not a refusal to pay, but a request that you verify and provide documentation supporting your claim. Until such validation is provided, you must cease all collection activity, including reporting this account to any credit reporting agencies, as required by federal law. 

Please Provide the Following Information : The name and address of the original creditor. 

The original account number and date of the alleged debt. 

A complete itemized statement showing how the debt amount was calculated. 

Proof that you are authorized to collect this debt ( copy of assignment or purchase agreement ). 

A copy of any signed contract or agreement that makes me legally responsible for this debt. 

The date of your first contact regarding this alleged debt.

The name of your companys compliance officer or representative handling this matter. 

Documentation showing that your agency is licensed to collect debts in my state. 

Important Notice Under the FDCPA, you are required to provide this information within 30 days of receiving this request. If you can not validate the alleged debt, you must : Cease all collection efforts immediately, and Remove any negative credit reporting related to this account. 

Please send your response in writing to the address listed above. 

Sincerely, Signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for a Chase Freedom XXXX card, because my Chase XXXX XXXX would now be $ XXXX. I applied after logging into the Chase website, which I do multiple times per week. 

Chase bank holds not only my XXXX XXXX, but two other credit cards, plus my mortgage. Please note : I have had all of these accounts for YEARS, and they all HAVE MY CORRECT NAME ON THEM. 

In the application process, my name was pre-populated by Chase, as it should be since I was logged in and they know my name. My credit score varies between XXXX and XXXX so I was of course approved. 

When I received my card on XX/XX/year>, IT HAD THE WRONG NAME ON IT. Chase somehow made a mistake on my middle initial, despite the fact that I have been doing business with them for YEARS, and I have multiple Chase accounts, ALL WITH MY CORRECT NAME AND MIDDLE INITIAL ON THEM. 

I called Chase immediately to have them correct THEIR ERROR. They informed me that I would have to put in for a LEGAL NAME CHANGE?!? 

Im sorry, WHAT? My name has not changed, CHASE made an ERROR. A loyal and long-term consumer should NOT have to submit a LEGAL NAME CHANGE for, when their NAME IS NOT CHANGING. This is Chases error solely, and Chases responsibility to fix and make me whole immediately by overnighting a CORRECT credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute an XXXX XXXX  report provided by Wells Fargo that lists an account in my name with a balance of {$310.00}. This account, reportedly opened on XX/XX/year>, was not opened by me, and I have no knowledge or involvement with it. This account is therefore fraudulent and reported in error. 

I request that Wells Fargo investigate this matter and remove this account and any associated negative reporting from my record. I am attaching any documentation I have that supports my claim that I am not responsible for this account. 

This inaccurate information is negatively affecting my financial record, and I ask that it be corrected promptly. Please confirm receipt of this complaint and provide updates on the resolution process.

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 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: PA

Complaint narrative:
A complete removal of this item from my credit report due too it being sold to another company. According to 15 USC 1681 C-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
tried to resolve this from this company but nothing has happened charged me twice

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I contacted Equifax representatives and they couldnt answer any questions about what changed on report to lower score so dramatically after I had checked all credit bureaus and nothing on there should have lowered so drastically! Its XXXX in XXXX  as it went up, not down! Went down with Equifax and they wouldnt give any information over phone, wouldnt answer any questions, I have had to dispute and win two other issues with them. They also have incorrect address on report, which has happened before! Experian has multiple incorrect addresses and reports wrong credit scores on all three on their site, yet couldnt dispute anything as it kept saying it was down. Calling was useless as their phone wont allow you to talk to a live person and I keep getting emails from them wanting me to sign up for some boost product based on their incorrect data!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability my security clearance. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability my security clearance. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 non-monetary relief