vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Account ending in XXXX I closed the account and have a refund balance of {$200.00} dollars. I simply asked which address the check is being sent to as there were two. They would not answer as I am " not the primary card holder ''. 
I don't understand how this is protected information. It is MY SS # on the account, MY BANK funding the account and MY CREDIT affected. 
I guess I will find out when the check shows up at whatever address it's going to but what a JOKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, a personal loan under XXXX XXXX XXXX opened on XX/XX/XXXX, an auto loan under XXXX XXXX XXXX opened on XX/XX/XXXX, along with another personal credit card that was fraudulently open under XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I received notification that I had new mail at my mailing address which is not my home address. The mail was a summons that stated I was being sued by Absolute Resolution Investments LLC which is a XXXX party creditor that purchased a debt. The summons was issued and filed XX/XX/year>. The summons stated I had XXXX days to respond. I was not personally served or notified of this lawsuit until this letter reached my mailing address on XX/XX/year>. The creditor has not verified ownership of the debt which I have requested and I did not sign anything agreeing to the debt with this creditor. I would like this account removed from all XXXX credit reports permanently and I would like the creditor to cease and desist with all attempts to contact or sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against Equifax for allowing multiple unauthorized inquiries to appear on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Question : The following companies made inquiries into my consumer report without my permission or a legally permissible purpose : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX Nature of the Complaint : I did not authorize any of these companies to access my credit report, nor did I initiate any credit applications with them that would lawfully allow for such access under the FCRA XXXX Therefore, these inquiries were made without a permissible purpose, as required by 15 U.S. Code 1681b.

Equifax has a legal obligation to protect my personal data and prevent unauthorized access to my consumer file. By allowing these inquiries to appear on my report, Equifax has failed to meet its duty to ensure only authorized access is granted to third parties.

Legal Basis : 15 U.S. Code 1681b Permissible purposes of consumer reports 15 U.S. Code 1681e ( a ) Compliance procedures for consumer reporting agencies 15 U.S. Code 1681c Reporting limitations and requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 



XXXX XXXX Date of inquiry 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-18 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: NY

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 



XXXX XXXX Date of inquiry 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-18 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: NC

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 explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
Inaccuracies reported and never removed or validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
In regards to case XXXX I just got done looking at all of the information that was sent that I requested however, NO WHERE ON HERE IS THERE ANY PROOF I DID THESE CHARGES. THERE IS NO IP LINKED TO ME AT ALL BECAUSE THESE ARE ABSOLUTE FRAUD. ALL THAT WAS SENT TO ME WAS NY MONTHLY STATEMENT THAT IS ALL. 

All DISCOVER had done is said the date the charge was done and the date that I opened the dispute and that they found it to be valid. They have provided XXXX documentation from the merchant showing I did these charges which is not in compliance with RegE. Im not trying to steal from discover I willingly paid off my balance which was {$9000.00} last month or the month before that paid off my full balance why would I try to rip you off for {$1000.00} all I'm asking is for you to make it right and process my fraud claim cause it's absolutely fraud I did not do this. Is is SO UNFAIR AND DISHEARTENING. I AM NOT A FRAUDSTER AND I APOLOGIZED THAT I DID NOT SEE THEM SOONER. I ABSOLUTELY WOULD HAVE BUT UNFORTUNATELY I HAD FAMILY THINGS GOING ON WITH MY FATHER AND THE ONLY REASON I LOGGED IN WAS TO OAY MY BILL. MOVING FORWARD I WILL ABSOLUTELY LOOK AT EVERY TRANSACTION BUT ITS JUST UPSETTING THAT YOU ARE UNWILLING TO HELP AN HONEST CUSTOMER ALL SO THAT YOU DO NOT TAKE THE LOSS. I GET IT HOWEVER ITS SO WRONG CAUSE I MNOW I DID NOT DO THIS NOR DID ANYONE IN MY HOUSE FOR THAT MATTER BECAUSE IF WE DID I WOULD PAY IT. 

And then Discover reasoning for trying to say the charges are mine because I had other online charges that I did not dispute. THATS CORRECT BECAUSE THEY WERE ME. I KNOW MANY PEOPLE HAVE THEIR CARD COMPROMISED AND THEY STILL ARE USING IT THEMSELVES THATS NO RRASON TO DENY MY CLAIM UNLESS YOU HAVE PROOF SHOWING I DID THE CHARGES BUT YOU CAN'T PROVIDE IT CAUSE YOU DON'T HAVE IT!! ITS 100 % FRAUD. I WAS ALWAYS AN HONEST CUSTOMER!! 

I would never dispute something I did! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Debt Validation Request XXXX XXXX XXXX XXXX ( {$610.00} ) Dear Experian, Equifax, and TransUnion Dispute Departments, I am writing to formally dispute the collection account reported on my credit file by XXXX XXXX XXXX XXXX in the amount of {$610.00}. I have reason to believe this account is either inaccurate, unverified, or not legally authorized to be reported, and I am demanding its immediate and permanent deletion from my credit reports under applicable consumer protection laws. 

Applicable Consumer Protection Laws Violated : 15 U.S.C. 1692c ( c ) Cease communication : Once a dispute is issued, the collector must cease all collection and reporting unless proper validation is provided.
31 U.S.C. 5118 Prohibits enforcement and reporting of debts that lack lawful origination or contract.

12 CFR 1026.13 + 15 U.S.C. 1666b Mandates that billing errors and disputes must be promptly addressed, and that creditors apply payments timely and fairly.

15 U.S.C. 1692g Requires written validation of any alleged debt, including details about the original creditor and proof of collection rights. 

Debt Validation Request : In accordance with my rights, I am requesting that you immediately obtain and provide the following documentation from XXXX XXXX XXXX XXXX  or any debt collector acting on its behalf : 1. A signed original contract or agreement bearing my name and signature.

2. A full and complete itemized statement of the alleged debt, including interest, fees, and payments.

3. A copy of the assignment contract showing legal transfer from the original creditor to the current collector.

4. A Forward Flow Agreement proving the current collector has the legal right to report and collect this debt.

5. Proof that the collector is operating in full compliance with Regulation F under the FDCPA. 

Formal Requests : 1. Permanently delete the XXXX XXXX XXXX XXXX ( {$610.00} ) collection account from all three of my credit reports. 

2. Block this account from any future reinsertion unless it is fully validated per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Provide me with written confirmation of your reinvestigation results and any actions taken to correct or remove this account. 

Failure to comply with federal law may result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal counsel for violations under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. I expect a resolution within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Equifax 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 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 any 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 of 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 non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Equifax 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 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 any 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 of 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing a false address still being reported on my credit file by XXXX Transunion & Equifax ]. I have never lived at XXXX XXXX XXXX XXXX AL XXXX and it does not belong on my credit report. It is affecting my ability to verify my identity and be approved for financial products. I have attached valid identifying documents which is a government-issued ID and a current bank statement. Both documents show my correct and current address. I have opted out of all third-party data providers such as sagesteam, factortrust, clarityservices, lexis nexus, and optoutprescreen, which mean there is no legal, accurate way to validate that incorrect address under the Fair Credit Reporting Act. I respectfully request immediate deletion of the false address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This reported late payment is incorrect. I have documentation showing timely payment and request its removal to restore accuracy to my 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/year>, I contacted U.S. Bank to request removal of PMI from my mortgage. They refused, stating that they use the original appraised value rather than the sales price to calculate loan-to-value ( LTV ). This practice violates the Homeowners Protection Act ( HPA ), specifically 12 U.S. Code 4902. 
Under HPA Section 6, 'original value ' is defined as the lesser of the sales price or the appraised value at the time of loan origination. In my case, the purchase price was {$290000.00}, and the loan balance is currently {$260000.00}, resulting in an LTV of 89.4 %.

Despite this, U.S. Bank insisted on using the appraised value ( {$310000.00} ) to claim that I do not meet the LTV threshold for PMI removal. This is incorrect and unlawful under federal law.

Furthermore, I provided evidence of recent comparable home sales in my area-two properties have sold for $ XXXXdemonstrating that the current market value has increased. However, this should be irrelevant to my request, since HPA stipulates that the original value governs borrower-initiated PMI cancellation requests. 
VIOLATIONS : - 12 U.S.C. 4902 ( HPA Cancellation Rights ) - CFPB UDAAP Rule ( Unfair, Deceptive, or Abusive Acts or Practices ) DEMANDS : 1. Immediate removal of PMI based on federal HPA requirements.

2. Refund of PMI premiums paid since reaching the 80 % LTV threshold based on original value. 
ATTACHED SUPPORTING DOCUMENTS : - Purchase contract showing {$290000.00} sales price. 
- Mortgage statements reflecting current balance. 
- Local comparable sales indicating current market value.

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