vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed ; however, they remain. This ongoing inaction is unacceptable. 

The continued presence of these potentially fraudulent entries raises serious concerns about identity theft and is causing significant emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: DISCOVER BANK
State: AL

Complaint narrative:
I reported a dispute on four negative reports on my credit card. Two were from discover who closed my account and reported me owing XXXX dollars and are no longer doing student loans. It has been investigated but yet stayed on my report though I owe nothing to the account and they are out of business. The other two accounts are stating I owe student loans but I never opened an account, set a payment plan, or even been contacted by them. Everytime I placed a dispute they would remove any delinquency off the report and than placed it back on after investigation causing my credit score to be all over the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXXDOFED / Account Number : XXXXXXXX XXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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 non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX  ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * that was previously removed from my credit report but has now been reinserted by Equifax without any proper notification or explanation. 

Under the Fair Credit Reporting Act ( FCRA ), if an account is reinserted after being previously removed due to a dispute, I am entitled to receive a written n

otice within five business days of the reinsertion. As of today, I have not received any such notice, nor any documentation justifying the reinsertion of this account. This has caused confusion and negative impact to my credit standing. I am requesting a full investigation into why this account was reinserted and why Equifax failed to notify me, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I took out an {$800.00} loan from XXXX  on XX/XX/year>. As of today, I have paid a total of {$870.00}, but they are still demanding over {$1700.00} in additional payments, which would total more than {$2500.00} for an {$800.00} loan. This represents an extremely high and abusive interest rate, which may violate New Jersey 's usury laws, where I reside. 

XXXX  claims the loan is governed by tribal law, but I live in New Jersey and I did not sign any agreement on tribal land. Therefore, I believe that New Jersey state laws do apply. They also state that they do not report to the major credit bureaus, which I find to be nontransparent. 

I am asking the CFPB to investigate this loan for possible usury and to have the remaining balance forgiven, since I have already paid more than I borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: ND

Complaint narrative:
On XX/XX/XXXX I applied with first progress secured credit card ive made payments through the XXXX website for credit card payments however the company block there website where you have no access to pay them online or through the phone only through check pay which I did on XX/XX/XXXX of XXXX of XXXX and a second attempt on XX/XX/XXXX through my XXXX  XXXX  which is the only way and option to pay which is very frustrating for customers because they are stating they have not received my XXXX payment through check and I must resend again I've paid the first time XXXX dollars that was mailed to them successfully with the address provided and it went through I did the same for the XXXX same address for first progress which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX south dakota but on website having another address which ive uploaded I called numerous times to resolve the issue because I'm afraid they'll willfully sabotaged my credit that I worked hard on building they are making it difficult for customers to make payment they are not accepting through the phone or online and I need assistance with the issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: KY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-24 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: PA

Complaint narrative:
I did not authorize these accounts ; please remove them from my credit report within 15 days as required by USC 1681g.

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 2025-07-24 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Zip Co US Inc.
State: MI

Complaint narrative:
I am writing to formally report an incident of identity theft involving the unauthorized opening of an account with Zip, a buy now pay later program, using my personal information. This issue was brought to my attention through notifications from Zip. I contacted Zip customer support to clarify that I did not authorize any purchases or account activity. The orders made on XXXX with XXXX order number XXXX, amount {$200.00} and - XXXX with XXXX XXXX XXXX XXXX XXXX, amount {$700.00} were not orders I made. The credit card they attempted to use is not associated with my account. The customer support agent confirmed that an account was created in my name, using my address, personal details, and social security number, and they have initiated an investigation on their end as of XX/XX/year>. 

A Zip customer service representative filed a claim and forwarded it to the fraud department, prompting an internal investigation. I was advised that I would be contacted by the fraud team within approximately 7 to 10 days. On XX/XX/XXXX and XXXX, I spoke with Zip representatives to ask for an update on the investigation and was informed that I would be contacted by the fraud team within 72 hours. I called again today XX/XX/XXXX, and was told there is no timeframe that they can give me. There is no way to speak to their fraud department, I have yet to receive any communication fraud department that is completing the internal investigation. 

For your reference, my reference number in connection with the identity theft report filed with the Federal Trade Commission ( FTC ) is Reference Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Date : XX/XX/year> Amount : {$620.00} I was a victim of identity theft and previously disputed this account on my credit profile. It was removed last year, but now it has been reinserted and is severely affecting my life. Since it reappeared, Ive been unable to get approved for credit cards, secure an apartment, or finance a car. 

I contacted the SPRING OAKS CAPITAL LLc, and they claimed the account was verified but that information is incorrect. The account was originally linked to an address that was not mine. Now, theyre saying my current address is associated with the account, which is false. I have no knowledge of this account, and I am requesting that this matter be thoroughly investigated and resolved. 

This issue is causing serious hardship, and I urgently need this account to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my XXXX  credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX - XX/XX/year> 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 2025-07-24 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:
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 ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Ive been paying my car loan consistently for the past XXXX XXXX XXXX XXXX years and they have reported that I havent been making payments. They said its because my payments went to interest and not the loan itself. I never agreed to this. Now my credit score is low and I have delinquencys on my account even though Ive been paying the loan on time. I havent they car would have been repossessed but that hasnt happened and Im still driving the car. Credit acceptance has lied to me about fixing the problem

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 2025-07-24 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: NY

Complaint narrative:
: Experian Subject : Demand for Immediate Deletion and Blocking of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) My personal information was comprised in a data breach, and i have reasons to belive that the negative accounts currently reported on my credit file may be-the result of identity theft or unauthorized use of my information. This information has caused significant harm to my credit. My personal information was compromised in a XXXX  data breach. XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # : XXXX AMOUNT : {$0.00} Date open : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX DATE OPEN : XX/XX/XXXX Amount : {$510.00} Inquires : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XX/XX/XXXX Attached are the following supporting documents, as required by 15 U.S.C. 1681c2 ( a ) : A copy of my government-issued photo ID A copy of my FTC Identity Theft Report ( or police report, if applicable ) Proof of address A statement of dispute, identifying the fraudulent accounts and affirming that I did not open them and that they were the result of identity theft I remind you that under the law, you are required to block the information within 4 business days of receiving this notice. Failure to do so is a clear violation of federal law and may subject your organization to formal legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. I am fully prepared to pursue all legal remedies available to me. 

This matter is non-negotiable. Any delay, negligence, or failure to comply will be treated as willful noncompliance. I expect written confirmation from your agency within ten ( 10 ) days that all fraudulent accounts have been removed from my file and are permanently blocked from reinsertion. 

Sincerely,

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