vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am filing this because Security Credit Services LLC required me to complete an affidavit and police documentation in order for them to even consider reviewing my situation. I want it noted that I went out of my way to complete everything they asked for. I have a XXXX  year old and I had to use the money I had set aside for baby food and diapers to get this affidavit notarized. I should not have to struggle like this just to prove something I never signed. 

My legal name is XXXX XXXX. The paperwork they keep referring to shows the name XXXX XXXX, which is not my legal name. I have been asking repeatedly for proof that I personally signed anything with this company or that I gave them permission to hold or use my personal information. They have not provided any actual authorization. They continue reporting this account even though there is no signed agreement that connects me to them. 

I followed every instruction they gave me. I completed an affidavit. I completed a police incident report. I paid for notary services. I took time away from my child to handle something that should not be on my credit file in the first place. They are ignoring my documentation and treating me as if I am responsible for something I never agreed to. This has severely hurt my credit. My score dropped more than XXXX points and it has affected my ability to get approved for anything. 

My identity is being mishandled. This is a violation of my rights under the following laws : 15 U.S.C. 1681e ( b ) because they are reporting information with an incorrect name 15 U.S.C. 1681i because they have not properly reinvestigated my dispute 15 U.S.C. 1692e because they continue making it appear that I am legally responsible without proof Texas Deceptive Trade Practices Act because they are using my personal information without my consent They keep saying they do not need a separate contract, but that does not excuse them from proving they have the correct consumer. They can not assume my identity. They can not report under a name that does not match my legal name. They can not ignore the affidavit and police report I provided. 

I did everything they asked to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I reported disputed charges on my credit card. Capital One didnt investigation, but refused to remove the damaged items charge. I submitted pictures documentation and emails from the company and they refused due to it being 60 days past due but when I reported it, it was not 60 days past due. Their investigation took 60 days therefore it put me over for the dispute, even though the dispute was filed before the 60 days. In addition, I submitted all evidence showing that my items came damaged, which was a huge charge to my debit card and I did not receive the items. I need them to remove those two charges from my credit card so that I can pay the balance off. In addition, they keep charging me interest fees that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
XX/XX/XXXX Re : Dispute of Unauthorized Inquiries XXXX XXXX XXXX FinanceAccount/Report Number : [ Your SSN or credit file # if known ] Dear Sir or Madam, I am writing to formally dispute the following hard inquiries appearing on my consumer credit report on the grounds that they were made without a permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ). 
The inquiries in question are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report, and a user ( such as XXXX XXXX XXXX XXXX ) may request one, ONLY under the following circumstances : 1. In response to a court order or federal grand jury subpoena 2. In accordance with the written instructions of the consumer 3. To a person the user has reason to believe intends to use the information in connection with a credit transaction involving the consumer ( i.e., the consumer is applying for credit ) 4. For employment purposes 5. In connection with underwriting of insurance involving the consumer 6. For certain legitimate business needs in connection with a business transaction initiated by the consumer, or to review an existing account to determine if the consumer continues to meet the terms of the account I did NOT apply for credit, financing, or any extension of credit with XXXX XXXX XXXX XXXX at any time in XXXX or XXXX. I did NOT provide written or oral permission for XXXX XXXX XXXX XXXX to access my consumer report. I have never had an existing account with XXXX XXXX XXXX XXXX that would require review or collection activity. None of the other permissible purposes listed in 1681b ( a ) apply. 
XXXX XXXX XXXX XXXX therefore had no permissible purpose to access my consumer report on XX/XX/XXXX or XX/XX/XXXX. These inquiries are unauthorized and constitute a violation of the FCRA. Their continued appearance on my credit report is inaccurate and materially misleading. 
Pursuant to 15 U.S.C. 1681i ( a ), I demand that you conduct a reasonable investigation and delete these two inquiries from my credit file within 30 days of receipt of this letter. If XXXX XXXX XXXX XXXX is unable or unwilling to provide verifiable evidence of a permissible purpose ( such as my signed application or written authorization ), the inquiries must be removed. 
Please send me written confirmation of the deletion and an updated copy of my credit report once the investigation is complete. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: IL

Complaint narrative:
I am filing a complaint regarding multiple FCRA violations by credit bureaus and furnishers. Unauthorized hard inquiries and inaccurate account-related information are being reported without any permissible purpose or written authorization, violating FCRA 1681b, 1681e ( b ), and 1681i. 
The following companies accessed or furnished information to my credit file without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX No creditor has produced any application, signed authorization, or documentation proving I permitted these credit pulls. These inquiries are harming my credit score and financial opportunities. 
I request : An immediate investigation.

Verification of all alleged authorizations. 
Deletion of any unverifiable or unauthorized inquiries or accounts. 
Enforcement actions for non-compliance. 
These violations are ongoing and causing measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: RFNA, LP
State: KY

Complaint narrative:
I am filing this complaint regarding serious and deceptive lending practices by XXXX XXXX on a loan issued to me on XX/XX/year>. The representative ( named XXXX XXXX misrepresented my credit score, required fraudulent collateral information, forced unnecessary insurance, and applied an unjustifiably high APR of 24 % despite my excellent credit.

During the loan process, the representative showed me a credit score of XXXX. Immediately afterward, I checked my Experian FICO score on my own device, which was XXXX on the same day. I was never provided with the required disclosure of the bureau or scoring model used. The 55-point discrepancy directly impacted my APR.

When I questioned the APR, I was told that everyone gets the same APR and that the standard rate was 30 %, so I was supposedly receiving a deal. If this is true, then the hard inquiry placed on my credit was unnecessary and harmful, as it did not affect the rate determination. This appears to be a violation of the Fair Credit Reporting Act and basic credit-use transparency.

Additionally, the representative required me to list personal property as collateral even after I told him the items were not mine. He knowingly instructed me to just make up prices for these items, then proceeded to require me to purchase insurance coverage on items that do not belong to me. This is fraudulent, deceptive, and violates consumer protection laws. These fabricated valuations appear to have been used to justify higher charges and inflated loan terms. 

I previously received an unsolicited loan check from XXXX XXXX in XX/XX/year> for {$6500.00}, which would have resulted in repayment of over {$9000.00}. This shows a pattern of predatory lending practices. 

I am requesting investigation, removal of the hard inquiry, APR correction or loan cancellation, refund of any insurance fees, and review of all interest and charges applied as a result of these deceptive actions.

Documentation is available and can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-12-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies of my report account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX Name XXXX and XXXX number as show in the report XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, GS Bank received my initial dispute regarding multiple inaccurate and inconsistent data fields on my Apple Card account, but they provided no response, no documents, and made no corrections. Because they continued reporting the same unverified and conflicting information, I sent a second dispute on XX/XX/year>, again demanding original account-level records and the method of verification. Despite receiving both disputes, GS Bank failed to conduct any reasonable investigation, did not provide a single document, and continued furnishing the same inaccurate and unverifiable information to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable information related to a loan account appearing on my credit report. I have already disputed this information with the credit reporting agencies and/or the furnisher, but the inaccurate information has remained, which violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
CFPB Complaint Google Email Suppression During Federal Filing Activity What happened : Google is currently suppressing my incoming emails, including critical responses from the Consumer Financial Protection Bureau. Normally, I receive immediate confirmation emails from CFPB when a complaint is processed and sent to the company. Today, I received nothing. After investigating the issue, I noticed that Google still shows a security update/ check your activity warning on my accounteven though I already confirmed my identity, responded to the alert, and marked the activity as authorized. I have already submitted image proof of this in past documentation. Despite doing everything required to restore full access, Google appears to be selectively filtering or blocking essential communications. This includes CFPB notifications, complaint confirmations, and potential company responses. These are not promotional emails. They are federal communications tied to consumer protection filings, and their suppression directly interferes with my rights to receive updates and respond accordingly. This is not the first time Google has ignored permission settings or failed to honor account updates. Previous CFPB filings already documented issues with identity persistence, revoked app access, and backend delays in sync and reset loops. This latest incident escalates the matter to a new levelemail suppression during a live federal filing campaign.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover account XXXX is reporting as charged off with a {$2100.00} balance. 
The account is over two years old and I have made efforts to rebuild my credit. 
Discover has refused my previous goodwill deletion request. 
The continued reporting of this charged-off account is obsolete under FCRA 605 ( a ) ( 4 ) ( 7 years from first delinquency ) and causes ongoing harm to my credit profile. 
Remove this entire tradeline from all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am trying to use my personal bank account to receive XXXX payments. I've never had a problem with this bank account in it's history. When trying, I'm getting an alert from " Early Warning Systems '' telling me that I can't use that bank account on XXXX. When trying to complete certifications online, the website is telling me that I'm " not allowed to create an account '' or that " reCaptcha is not completed '' when there is no capcha displayed on multiple browsers. This is creating a ton of frustration as I'd like to just receive my checks to my regular bank account so I can actually pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
In XX/XX/year>, I settled two XXXX XXXX accounts through an authorized settlement program. XXXX XXXX agreed to accept reduced settlement amounts on each account, and both settlements were fully completed and paid on XX/XX/year>. 

The settlements were as follows : Account ending in XXXX ( approx. {$980.00} balance ) Enrolled Debt : {$980.00} Balance at Settlement : {$980.00} Settlement Date : XX/XX/year> Settlement Amount Paid : {$520.00} Payment Completed : XX/XX/year> This account is fully settled and should show a {$0.00} owed balance with a Paid for less than full balance status. 

Account ending in XXXX ( approx. {$2100.00} balance ) Enrolled Debt : {$2100.00} Balance at Settlement : {$2100.00} Settlement Date : XX/XX/year> Settlement Amount Paid : {$1100.00} Payment Completed : XX/XX/year> This account is also fully settled and should show a {$0.00} owed balance with a Paid for less than full balance status. 

Although Equifaxs Account Details pages for both accounts display a {$0.00} balance, the 24-Month History section continues to show the full charged-off balance each month ( {$980.00} on one account and {$2100.00} on the other ). This makes it appear to lendersespecially mortgage and HELOC underwriters reviewing the raw datathat the balances are still outstanding or remain in collections. 

This incorrect split reporting is materially harming my creditworthiness. A recent lender ( XXXX ) interpreted Equifaxs reporting as if the debts were still owed because the 24-month grid shows the charged-off balance rather than the correct {$0.00} settled balance. This creates a false and misleading representation of my current obligations, despite the documented settlements and completed payments. 

I contacted Equifax by phone, but the representative only looked at the {$0.00} balance field and did not identify the inaccurate reporting embedded in the 24-month history grid. Because settlement documentation clearly shows the amounts accepted and paid, the historic balance fields should be updated to accurately reflect a settledXXXX owed status or otherwise cleaned so they do not misrepresent an outstanding balance. 

I am requesting CFPB assistance because Equifaxs current reporting of these XXXX XXXX accounts is incomplete and misleading, causing lenders to incorrectly assume there is unpaid debt when none exists. I have provided the official settlement documentation as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a complaint against Chime regarding unauthorized transfers from my account. My account was hacked, and multiple transactions were made without my authorization. I reported the fraud to Chime immediately, yet Chime denied my dispute without conducting a reasonable investigation, in violation of Regulation E ( 12 CFR 1005 ) and the Electronic Fund Transfer Act.

Chime refused to provide evidence supporting their denial and did not explain how they determined the transactions were authorized. I did not initiate or benefit from these transfers.

I am requesting : A proper investigation as required by law Provisional credit if the investigation exceeds 10 business days A full refund of all unauthorized transfers Chimes partner bank is either XXXX XXXX XXXX or XXXXXXXX XXXX. Please require them to comply with Regulation E and provide a lawful resolution.

Company response to consumer: Closed with explanation