vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My VA-backed mortgage ( Loan # XXXX ) was foreclosed by XXXX Mortgage on XX/XX/XXXX, while I was a XXXX XXXX service-connected XXXX XXXX XXXX XXXXXXXX veteran. The VA had an active foreclosure moratorium through XX/XX/XXXX, and paused all foreclosures beginning XX/XX/XXXX. My foreclosure occurred just weeks before the pause and during the VAs request that servicers halt foreclosures. 

I believe this foreclosure was improperly processed and should not have occurred, especially given my protected veteran status and active hardship. It is currently listed on my credit report, significantly harming my financial stability and access to housing. I have submitted a goodwill removal request directly to the servicer but have not received help or acknowledgment. 

I request the CFPB review this for potential improper foreclosure during a VA moratorium and assist in having this derogatory account removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card with Capital One for many years then I decided to close the account however due to lost payments I was charged at late fee of {$40.00} for XX/XX/year>, {$40.00} for XX/XX/year>, {$40.00} for XX/XX/year> and {$25.00} for XX/XX/year>. This is a total of {$140.00} in late fees in the span of four months. 

I have consistently tried to explain to Capital One representative, but they told they would not waive the fees at all. My main income is from Social Security, and I am in my XXXX  and I have a lot of health issues, and this has been very difficult for me to deal with. I am still paying this and now I only owe {$300.00} but I have paid thousands of dollars in interest already and Capital One is not willing to waive any fees which is frustrating for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: MO

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount {$210.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 

I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as my FTC report. Please ensure that these documents are taken into account during your investigation. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

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 2025-07-11 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:
Dear Equifax, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX. * * XXXX  XXXX * * - * * Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$470.00} - * * Violations : * * - FCRA XXXX No original signed agreement or billing records provided - FCRA XXXX Reporting despite resolved dispute and no new investigation - FDCPA XXXX No debt validation from original or XXXX source XXXX. * * XXXX XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$460.00} - * * Violations : * * - FCRA XXXX Derogatory reporting without updated documentation - FCRA XXXX No signed application or debt origin document - FDCPA XXXX Failed to validate the debt before collection activity XXXX. * * XXXX XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$690.00} - * * Violations : * * - FCRA XXXX Charge-off reporting with no updated records or dispute resolution - FCRA XXXX Aging and status XXXX be misreported - FDCPA XXXX No debt verification notice ever received # # # LEGAL DEMAND FOR ACTION I hereby demand that each account listed above be : XXXX. * * Deleted * * from all credit reporting files, * * OR * * XXXX. * * Fully validated * * by supplying : - The original signed contract or credit application - Detailed billing and payment history - Proof of legal right to collect and report this debt - Chain of custody for any sold/assigned accounts Failure to comply with this request within * * XXXX  days * * will result in : - * * Formal complaints * * filed with the CFPB, FTC, and State Attorney General - * * Litigation * * under * * FCRA XXXX, XXXX * * and * * FDCPA XXXX * * for damages and noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX Complaint # : XXXX Dear TransUnion, Equifax, Experian I am writing to dispute the accuracy and legitimacy of the XXXX XXXX XXXX account currently being reported on my credit report. 

While reviewing documentation submitted in response to a prior CFPB complaint, I discovered that XXXX XXXX provided a contract containing a typed or pasted signature labeled XXXX. This signature is : Not my signature Not a wet ink signature Not signed electronically by me And does not represent my consent or authorization to enter any agreement I have never used XXXX as my initials or legal signature, and I did not authorize the use of my name or likeness on any such document. There is no attached proof of electronic signature consent, no audit trail, and no valid signature disclosure under the E-SIGN Act ( 15 U.S.C. 7001 ). 

This means the contract is not legally binding, and the reporting of this account violates multiple consumer protection laws. 



Violations Committed : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 623 ( a ) ( 3 ) : Failure to mark the account as disputed during active review FCRA 607 ( b ) : Failure to ensure maximum possible accuracy of credit data E-SIGN Act : Lack of proper electronic signature disclosures or consent FDCPA 807 : Misleading representation in the collection of a debt Potential forgery or fraud, depending on state law I Am Demanding : 1. Immediate deletion of this account from all credit bureaus 2. Full investigation into the legitimacy of this document and signature 3. Copies of any document showing a real wet ink signature or valid electronic signature audit trail and disclosure, as required by federal law 4. Written confirmation within 15 days If you fail to resolve this issue, I will escalate my complaint with the Federal Trade Commission, my State Attorney General, and consider legal action for signature fraud and consumer rights violations. 

Sincerely, 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 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, Credence Resource Management sent a letter to a former residence requesting payment of {$540.00}. I am unfamiliar with the debt, and I have not lived at the address used for several years. The letter was forwarded by the homeowner. 

The account in question ( originally with XXXX ) was sent to collections in XX/XX/year> as {$310.00}. No communication by Credence - written or otherwise- was received prior to XX/XX/year>. 

On XX/XX/year>, I sent a debt validation letter to Credence requesting the following : XXXX ) all information about the original creditor, XXXX ) the original agreement proving an obligation to repay, XXXX ) documentation proving the age of the debt and the original delinquency date, XXXX ) a comprehensive itemization including dates for added fees and interest. In the debt validation letter, I requested that communication be done in writing and provided my current address. No written communication from Credence has arrived at the current address as of XX/XX/XXXX. 

On XX/XX/XXXX, I called Credence requesting confirmation that my letter had been received. I provided my name and the Reference number included in Credence 's original letter. Credence requested that I provide additional personal information to prove my identity. None of the information requested was included in their original letter. Because they were requesting personal information they did not appear to actually have, such as my date of birth, I refused to provide any additional information. 

To date, Credence has been unable or unwilling to provide information about the original debt. Most importantly, they have not confirmed the information used to open the account with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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:
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ) due to the illegal reinsertion of previously disputed and deleted fraudulent accounts on my credit reports. These reinsertions occurred without proper notice, violating my rights under FCRA 611 ( a ) ( 5 ) ( B ) and FCRA 605B.

FCRA Violations : FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Requires that credit bureaus notify consumers in writing within 5 business days if any previously deleted information is reinserted. That notice must include the name, address, and phone number of the furnisher.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that fraudulent accounts identified via an FTC Identity Theft Report be blocked and excluded from future credit reporting.

I did not receive any notice of reinsertion or the identity of the furnishers involved, despite the fact that these accounts had been previously removed. 



Reinserted Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX All three accounts are the result of identity theft, as reported in my FTC Identity Theft Report, and must not be present on my credit profile. 



Additional Concerns : My personal and employment informationincluding variations of my name ( XXXX XXXX XXXX ) and affiliation with XXXX XXXX XXXX been misused. This has caused damage to my credit profile, financial stability, and peace of mind. 



Requested Resolution : 1. Permanent deletion of all fraudulent accounts listed above from all credit bureaus ( Equifax, Experian, and TransUnion ).

2. A written statement from the credit bureaus identifying : The source/furnisher of the reinserted data, The reason for reinsertion, And why I was not notified as required by law.

3. A formal block on future reinsertion of these accounts without full compliance with FCRA 611 ( a ) ( 5 ).

4. An investigation by the CFPB into the CRAs and furnishers involved for noncompliance.

5. Optional : If necessary, I may seek damages under FCRA 616 for willful noncompliance and 617 for negligent violation of my rights. 



I respectfully request immediate action and full investigation under the authority of the CFPB. I have included my FTC Identity Theft Report # XXXX as documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ) due to the illegal reinsertion of previously disputed and deleted fraudulent accounts on my credit reports. These reinsertions occurred without proper notice, violating my rights under FCRA 611 ( a ) ( 5 ) ( B ) and FCRA 605B.

FCRA Violations : FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Requires that credit bureaus notify consumers in writing within 5 business days if any previously deleted information is reinserted. That notice must include the name, address, and phone number of the furnisher.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that fraudulent accounts identified via an FTC Identity Theft Report be blocked and excluded from future credit reporting.

I did not receive any notice of reinsertion or the identity of the furnishers involved, despite the fact that these accounts had been previously removed. 



Reinserted Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX All three accounts are the result of identity theft, as reported in my FTC Identity Theft Report, and must not be present on my credit profile. 



Additional Concerns : My personal and employment informationincluding variations of my name ( XXXX XXXX XXXX ) and affiliation with XXXX XXXX XXXX been misused. This has caused damage to my credit profile, financial stability, and peace of mind. 



Requested Resolution : 1. Permanent deletion of all fraudulent accounts listed above from all credit bureaus ( Equifax, Experian, and TransUnion ).

2. A written statement from the credit bureaus identifying : The source/furnisher of the reinserted data, The reason for reinsertion, And why I was not notified as required by law.

3. A formal block on future reinsertion of these accounts without full compliance with FCRA 611 ( a ) ( 5 ).

4. An investigation by the CFPB into the CRAs and furnishers involved for noncompliance.

5. Optional : If necessary, I may seek damages under FCRA 616 for willful noncompliance and 617 for negligent violation of my rights. 



I respectfully request immediate action and full investigation under the authority of the CFPB. I have included my FTC Identity Theft Report # XXXX as documentation. 

Sincerely, 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 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried making a wire transfer and they had said i needed to call and my account may be restricted soon and i called and they figured everything out but later that day i was told my account was being closed and has been restricted. All my accounts were then restricted and i havent been able to take my money out and or even login to my chase mobile app or online. Its been a month now and I have called so many times and still havent received a date or time when i will receive my money from my savings account which i really need right now due to payments being due and things i need to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an Amex prepaid card for {$200.00} and the company assures you that I can be used wherever Amex is accepted but this is not true. Every online and physical store Ive attempted using the card at says theyre not accepted despite accepting regular Amex credit cards. When I tried to call Amex I was put on hold for hours and given no help.

Company response to consumer: Closed with monetary relief