vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: NY

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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate deletion of fraudulent accounts currently appearing on my credit report. I did not authorize, open, or permit these accounts, and their inclusion constitutes a clear violation of my personal rights and financial security. These entries are false, misleading, and harmful, and their presence is obstructing the accuracy and integrity of my credit history.

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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been improperly reported under my credit profile. I have no connection to these accounts, and I never consented to their creation. Their presence is inaccurate, unauthorized, and a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-09-05 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: GA

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 explanation
Consumer complaint received 2025-09-05 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: AR

Complaint narrative:
i recently got a copy of my credit report and it was accounts that i did not recognize XXXX XXXX Acct XXXX XXXX Date open- XXXX balance- {$1800.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX balance- {$1100.00}

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 2025-09-05 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: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information and incorrect account statuses currently listed on my Equifax credit report. Specifically, the report includes an address XXXX XXXX XXXX XXXX XXXX, Sterling, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, NY XXXX that is not connected to me in any personal, financial, or legal capacity. I have never lived at, used, or been associated with this location. I formally requested that this address be removed from my credit file unless documentation exists verifying a direct connection. No such documentation has been provided. 
In addition, XXXX accounts are inaccurately reported as Late Closed with a {$0.00} balance : XXXX XXXX * * XXXX XXXX * * * * * * * * * XXXX XXXX * * * * I disputed the classification of these accounts and requested that Equifax verify any late payments or delinquencies with original creditor documentation, including full payment histories and closure dates. If these entries were closed in good standing or if no delinquency occurred, they must be corrected or removed under FCRA 1681i ( a ) ( 5 ), which requires deletion of unverifiable information.

Despite providing supporting documents and making a formal dispute under the FCRA, I have not received adequate verification or corrective action regarding the disputed entries. This raises concerns about whether a proper reinvestigation was conducted under FCRA 611 and whether Equifax has met its obligation under FCRA 607 ( b ) to ensure maximum possible accuracy of the information reported.

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing a complaint against Capital One Bank for refusing to honor my account closure requests and for improperly reopening my account without authorization. 

On XX/XX/year>, I closed my Capital One 360 checking account with a XXXX balance. I closed the account because XXXX was making unauthorized debits that caused overdraft fees. The only Voluntary ACH Authorization I signed with XXXX is tied to my XXXX XXXX XXXX XXXX account, not my Capital One account. Credit Freshs own system showed Automatic ACH Payments : OFF, and a Capital One representative confirmed in a recorded call that no ACH authorization was active on my Capital One account. 

Despite this, on XX/XX/year>, Capital One reopened my closed account without my consent, processed a disputed debit reversal in favor of XXXX, and assessed overdraft fees of {$160.00}. When I asked for documentation of the authorization Capital One relied on, none was provided. 

Additionally, I requested closure of my Capital One savings account, which also had a XXXX balance. Capital One refused to close it unless I agreed to a reactivation clause that would allow them to reopen the account if they later determined a debit was valid. Because I did not agree, the account remains open nearly 30 days later against my explicit instructions. 

Capital Ones actions violate the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX by processing unauthorized debits without written authorization. Their refusal to close my accounts and unilateral reopening constitute unfair and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.

Complaint narrative:
Greetings, I noticed a random collections account on my credit report. The company is called Central Portfolio Control for an odd amount of {$3600.00}. It also does not list what the type of debt is for. 

I am currently on an overseas assignment in XXXX. I have been in XXXX working sin XX/XX/XXXX and am unable to take out certain loans due to my XXXX XXXX. I have reason to believe this debt is due to identity theft as I was notified by the IRS in XXXX that my social security was compromised due to someone trying to file with my information. Due to that identify theft, the IRS sends me a pin every year now to submit my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC
State: KY

Complaint narrative:
Date of received notice of judgment, XX/XX/year> by BCG Equities LLC, as the plaintiff. They have not sent any records of what is owed, what type of debt that is owed and they do not list contact information and they have never sent anything by mail or by phone stating that a debt has been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: GA

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 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-05 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: MA

Complaint narrative:
am submitting this complaint regarding inaccurate personal information and incorrect account statuses currently listed on my Equifax credit report. Specifically, the report includes an address XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX  XXXX, MA XXXX XXXX XXXXXXXX, NY XXXX that is not connected to me in any personal, financial, or legal capacity. I have never lived at, used, or been associated with this location. I formally requested that this address be removed from my credit file unless documentation exists verifying a direct connection. No such documentation has been provided. In addition, three accounts are inaccurately reported as Late Closed with a {$0.00} balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the classification of these accounts and requested that Equifax verify any late payments or delinquencies with original creditor documentation, including full payment histories and closure dates. If these entries were closed in good standing or if no delinquency occurred, they must be corrected or removed under FCRA 1681i ( a ) ( 5 ), which requires deletion of unverifiable information. Despite providing supporting documents and making a formal dispute under the FCRA, I have not received adequate verification or corrective action regarding the disputed entries. This raises concerns about whether a proper reinvestigation was conducted under FCRA 611 and whether Equifax has met its obligation under FCRA 607 ( b ) to ensure maximum possible accuracy of the information reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I was receiving debt collection calls on things I do not owe from LVNV Funding. Threats of court and putting a lien on a car that I do not own. I pulled my credit reports and realized that they are trying to collect on accounts that I do not owe. These were reported to the original creditors as identity theft and false accounts. I sent a validation letter to LVNV Funding. Also, a letter requesting proof of the Bill of Sale on the first of XXXX. After waiting 30 days, when I did not receive a response, I sent a final notice. These are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I took out a {$200.00} loan with Post Lake Lending Inc. on XX/XX/year>. The loan agreement disclosed an APR of 740.28 % with a total repayment amount of {$1500.00}. This is an unconscionable and predatory interest rate, far exceeding the legal limits in California. 

I immediately revoked their ACH authorization and wage assignment rights, and I am disputing the validity of the loan. I informed Post Lake Lending that I will only repay the original loan principal ( {$200.00} ) but not the excessive and illegal interest/fees. 

Issues I am experiencing : The lender is attempting to collect illegal interest charges. 
The loan terms are predatory and violate state law. 
I am concerned about unauthorized debits from my bank account despite my revocation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
All three of my personal Bank of America credit card accounts were recently closed at the same time without prior notice or sufficient explanation. I have never engaged in money laundering, fraud, or any illegal activity. Despite being a responsible customer, all of my cards were suddenly closed, and when I asked for clarification, I was only told it was an internal decision. This lack of transparency is unacceptable. 

The larger issue is that Bank of America appears to have misclassified my residential address as high risk. Multiple independent households at this property, including mine, have had their accounts closed at the same time. The property has separate front and back units with completely independent finances and no shared accounts. Bank of America seems to have treated the entire address as one risk entity, unfairly penalizing unrelated customers.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am writing in response to your attempts to collect on the alleged debt related to XXXX XXXX XXXX in the amount of {$56.00}. This letter serves as my formal notice to cease and desist all communication with me regarding this matter, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby instructed to stop all contact with me, including but not limited to phone calls, letters, emails, or any other form of communication, except for the following : 1. To advise me that your collection efforts have been terminated ; 2. To notify me that you may invoke specified remedies which are ordinarily invoked by you ; or 3. To notify me that you intend to invoke a specified remedy, such as filing a lawsuit. 

Any further communication beyond what is legally permitted will constitute a violation of the FDCPA and will be documented as evidence for legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

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