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

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent COMENITYCAPITAL/ULTA XXXX XXXX which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XXXXSENT NOTICE OF DISPUTE XXXXSENT Dispute Letter XXXXSENT Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA Related to Identity Theft XXXX-SENT Non Compliance Letter XXXXSENT Formal Complaint Regarding FCRA and CA XXXX Noncompliance XXXXSENT Demand for Original, Executed Contract Under FCRA 609 ( a ) ( 1 ) ( A ) These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
Equifax XXXX continued reporting of the COMENITYCAPITAL/ULTA account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under XXXX and negligent noncompliance under XXXX. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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

Complaint narrative:
XXXX XXXX {$890.00} Action Taken- Requested Reinvestigation of debt Creditor - XXXX XXXX730.00} XXXX Taken- Requested Reinvestigation of debt CreditoXXXX XXXX {$2000.00} Action Taken - Requested Reinvestigation of debit Creditor- XXXX  {$5900.00} Action Taken- Requested Reinvestigation of debt Pursuant to my rights under the Fair Credit Reporting ACT, 15 U.S.C. 1681 et seq, I requested a reasonable investigation into the matter, however it was met with no response. Under the FCRA credit reporting agencies are required to investigate disputes and either correct or delete inaccurate, incomplete or unverifiable information within in 30 days, however that did not happen. 

Thank you for your prompt attention to this matter XXXX XXXX

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

Complaint narrative:
XXXX XXXX {$890.00} Action Taken- Requested Reinvestigation of debt Creditor - XXXX XXXX730.00} XXXX Taken- Requested Reinvestigation of debt CreditoXXXX XXXX {$2000.00} Action Taken - Requested Reinvestigation of debit Creditor- XXXX  {$5900.00} Action Taken- Requested Reinvestigation of debt Pursuant to my rights under the Fair Credit Reporting ACT, 15 U.S.C. 1681 et seq, I requested a reasonable investigation into the matter, however it was met with no response. Under the FCRA credit reporting agencies are required to investigate disputes and either correct or delete inaccurate, incomplete or unverifiable information within in 30 days, however that did not happen. 

Thank you for your prompt attention to this matter XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

Complaint narrative:
I am filing this complaint to report a clear violation of the Fair Credit Reporting Act ( FCRA ) by Experian, pursuant to 15 U.S.C. 1681c-2, 1681b, and 1681s-2 ( a ) ( 6 ).

I have been the victim of identity theft. I am enclosing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, which constitutes legally sufficient proof under federal law. 

Under 15 U.S.C. 1681c-2 ( b ), a credit reporting agency must block all disputed information identified in the Identity Theft Report within four ( 4 ) business days of receipt. The law does not require any further investigation prior to blocking. 

Furthermore, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 6 ), once the furnisher of the information is notified of the block, they are prohibited from continuing to report the disputed information unless they present original, signed, and verifiable documentary evidence that conclusively proves the account was authorized by me to be reported. 

In accordance with the FCRA, it is not sufficient to simply conduct an internal verification or consult their own records ; the law requires authentic physical or digital evidence such as the original signed contract by the consumer that fully supports the accuracy and legitimacy of the information. 

The following negative accounts continue to appear on my Experian credit file despite my multiple disputes and the fact that other credit bureaus have already deleted them for failure to verify : XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized the reporting of these accounts. There is no signed contract or consent from me that justifies their inclusion in my credit report, which constitutes a violation of 15 U.S.C. 1681b ( permissible purposes ).

The continued reporting of these accounts constitutes the unauthorized disclosure of my non-public personal information and a direct violation of my rights under the FCRA. 

I have contacted Experian on multiple occasions and have provided all necessary documentation ; however, I have not been given a clear or definitive resolution. 

This ongoing violation is causing me serious harm, including preventing me from purchasing a new home for my children and limiting my access to essential financial tools. 

Additionally, I have formally requested copies of any contracts or documentation from the furnishers of these accounts. More than 60 days have passed without receiving any response, which further confirms there is no verifiable evidence to support these 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 explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Dispute of Debt Request for Validation Account Number : XXXX To Whom It XXXX Concern : I am writing in response to a collection account you have reported to the credit bureaus, which appears on my credit report. I am requesting validation of the alleged debt, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

Please provide the following information : 1. The name of the original creditor ; 2. The amount of the alleged debt, including a breakdown of fees or interest added ; 3. A copy of any judgment, contract, or agreement bearing my signature that confirms I am legally obligated to pay this debt ; 4. Verification that you are licensed to collect debts in my state, including your license number.

Pending your response, and pursuant to the FDCPA, you are required to cease all collection activities until this debt is validated. Additionally, if you are reporting this debt to any credit reporting agency, note that I am disputing its validity, and you must update your reporting accordingly under the Fair Credit Reporting Act ( FCRA ).

Please respond within 30 days of receipt of this letter. If you are unable to validate the debt, I request that you cease all collection activity and remove this account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX$320.00} 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 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 2025-08-08 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: TX

Complaint narrative:
I did not authorize this inquiry on my credit report. Under the Fair Credit Reporting Act Section 604 ( a ), any inquiries made without my express consent must be deleted. Notify me within 24-48 hours of deletion.

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

Complaint narrative:
I did not authorize this inquiry on my credit report. Under the Fair Credit Reporting Act Section 604 ( a ), any inquiries made without my express consent must be deleted. Notify me within 24-48 hours of deletion.

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 2025-08-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX * High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Collection / Unverified Account Law : FDCPA 15 USC 1692g ( b ) ; FCRA, CFPB Regulations Story : I dispute the validity of this collection and request full documentation of the debt as required by federal law. I have not received any notice or validation for XXXX XXXX XXXX nor did I authorize communication regarding this alleged debt. Reporting unverified collections is a violation under FDCPA. I am requesting that this account be removed unless complete validation is provided. 

XXXX XX/XX/XXXX Issue : Unauthorized / Incorrect Inquiry Law : FCRA 15 U.S.C. 1681b ( c ) Story : I did not authorize this hard inquiry on my credit. Such inquiries, when not properly permitted, can unfairly lower my credit score and are a violation of my consumer rights. I request proof of authorization or the permanent removal of this inquiry.

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable ne
gative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has charged me multiple overdraft fees that have pushed my account into a negative balance of over {$600.00}. These fees are compounding on top of XXXX another, making it nearly impossible for me to recover financially. I receive unemployment payments of around {$900.00}, and I also occasionally earn income through XXXX XXXX  ( such as a recent one for {$500.00} ), but the moment any money is deposited, its swallowed up by the overdraft balance and new fees. 

The overdraft charges are being applied to small transactions that likely could have been declined, and it feels like the bank is profiting off my financial hardship. Despite being in an already vulnerable situation, I am being penalized in a way that makes it impossible to catch up. 

This is not just a banking issueits a moral one. Chase is a XXXX XXXXorporation, and yet they are charging me repeated fees that only deepen my poverty. It feels exploitative and unfair. 

I am asking for an investigation and for these fees to be reversed. This situation has caused enormous stress and emotional distress, and I believe Chase is violating the spirit, if not the letter, of fair banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am currently living with someone who fraudulently used my name as a beneficiary for payday loans and other financial institutions without my authorization or my consent. I just found out about this situation this week. I was wondering why my financial aid disbursements were less than I expected. Now I know why my son and myself have been receiving payday loan offers. I am not working or employed and I think this situation is also affecting my employment. The only loans I have are financial aid loans and they aren't due until XX/XX/year>. Also with that situation my mail is being tampered with. I haven't gave this man any consent to use my name for Payday loans at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The bureau 's are reporting that this account was " last updated '' in 2025, but the account was closed years ago and hasn't had any activity since. Updating an old account with a new date is inaccurate and makes it look newer than it is. This is re-aging, which is not allowed under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Misapplication of GAP Funds & False Remaining Balance with Exeter Finance. In XXXX and XX/XX/year>, I initiated a GAP insurance claim because my car was totaled, and the remaining loan balance was due. I had two GAP providers : XXXX XXXX  ( initial claim ) and XXXX ( final GAP coverage and refund ). 

On XX/XX/year>, Exeter received a GAP insurance payment from XXXX in the amount of {$4200.00}. This amount was specifically meant to pay off the remaining principal balance on the loan. GAP insurance does not cover interest, fees, or penalties only the principal balance at the time of total loss. 

However, Exeter Finance applied that {$4200.00} and then posted multiple additional transactions on the same day that included interest and fees totaling over {$500.00} in charges. These extra transactions : Show partial application to interest and late fees Do not identify the source of funds Were not authorized by me Were not from the GAP provider ( GAP does not cover interest ) Prior to this, Exeter also received a large payment from XXXX XXXX, which they similarly split into principal and interest. This shows a pattern of Exeter intentionally misapplying GAP-related payments to interest and fees, instead of strictly using them toward principal as required by GAP policy terms. 

As a result of this misapplication : I am now being told I still owe {$520.00} in remaining balance That balance appears to consist entirely of interest and late fees that should have been waived or never charged, considering the account was paid off by GAP My credit was reported with 30- and 60-day late marks, even though Exeter was made aware of the pending GAP claim and reissue delays and the loan was ultimately paid in full through GAP What Im requesting : 1. A full payment ledger showing : The source of every payment applied after XX/XX/year> Whether funds came from GAP, a refund, or a prior transaction 2. Confirmation that no GAP or refund funds were used improperly to pay interest or fees 3. Immediate waiver and removal of the {$520.00} balance if no clear source can be shown for the interest payments 4. Full removal of 30-day and 60-day late marks reported during the GAP claim process, since the loan was fully paid off and Exeter was notified in advance that the claim was processing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
TransUnion says report is still open from over 30 days ago. 
Equifax says report is still open from over 30 days ago. 
Equifax says report still open from over 30 days ago. 

All unverified information from more than 30 days at the start of the investigation now must be deleted.

Company response to consumer: Closed with explanation