vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX XXXX XXXX  Capital One advertised that I was pre-approved for the XXXX XXXX credit card. I proceeded with the application based on this pre-approval. After submitting, Capital One required additional verification and ran a hard inquiry on my credit. 

During this process, I provided my federally issued Employment Authorization Document ( EAD ) as my government ID. Capital One rejected this ID, even though it is an official photo identification card issued by the U.S. Citizenship and Immigration Services. Only after the fact did Capital One inform me that they restrict acceptable IDs to a drivers license or state ID. This limitation was not disclosed up front during the pre-approval or application process. 

Additionally, there were errors in my contact information ( including typos in the email address used for communication ). When I asked Capital One to correct these errors so I could receive information properly, they refused to amend the information, which made the process more confusing and harder to resolve. 

As a result, I wasted significant time, underwent an unnecessary hard credit inquiry, and was misled by Capital Ones pre-approval advertising, which did not reflect the reality of their application and ID requirements. Their refusal to correct their own communication errors further harmed me as a consumer. 

I am requesting that : Capital One be required to clearly disclose acceptable forms of identification before advertising pre-approvals. 
Capital One review its practice of rejecting valid federally issued IDs like the EAD. 
Capital One improve communication standards by correcting inaccurate contact information when requested. 
Any unnecessary hard credit inquiries created by this process be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 a fraudulent account that has been reported under my credit profile. I did not authorize, open, or have any association with this account, yet it is negatively impacting my credit standing. This inaccurate reporting is misleading, damaging to my reputation, and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This letter is a formal dispute concerning a fraudulent account being reported on my credit history. I have no association with this account and never authorized its creation. Its presence on my report is incorrect and harmful, unfairly lowering my creditworthiness.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the way Chase Bank has handled the closure of my checking and savings accounts. My accounts were closed after fraudulent activity occurred activity that was the result of someone I knew stealing and misusing my personal information. I was the victim of fraud, yet I am the one who has been punished by your banks actions. 

Not only were my accounts closed, but I have also been denied the ability to open a new account with Chase. To make matters worse, I am now being told that I owe Chase a debt of approximately {$300.00}, which is directly tied to the fraudulent activity that was committed against me. It is both unfair and unreasonable to hold me responsible for a crime I did not commit. 

Instead of working with me to resolve the issue, Chase has taken an inflexible and punitive stance. By doing so, you have left me without access to essential banking services and burdened me with an unjust debt. This approach feels discriminatory, lacks fairness, and does not reflect the values that a financial institution of your size should uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-02 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: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against Spring Oaks Capital LLC, who is currently reporting an alleged debt on my credit report. This company is not the original creditor, and I dispute their legal authority to collect or report this debt. 

I have already contacted the collection agency directly in writing and requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite my request, the agency has failed to provide proof that they own or have been assigned the debt. Instead, they continue to report this account to the credit bureaus, damaging my credit profile.

This conduct violates : FDCPA, 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. Reporting a debt without proving legal ownership is misleading.

FDCPA, 15 U.S.C. 1692g ( b ), which requires collection efforts ( including reporting ) to cease until verification is provided.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or unverifiable information. 

I respectfully request that the CFPB investigate this matter and take corrective action to : Require Spring Oaks Capital LLC to provide full verification of the alleged debt, including proof of assignment from the original creditor. 

Instruct Spring Oaks Capital LLC to remove any negative reporting from my credit report until such verification is provided. 

Ensure compliance with the FDCPA and FCRA to prevent further violations of my consumer rights. 

Enclosed are copies of my correspondence with the collection agency and evidence of continued reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : XXXX XXXXXXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX account number : XXXX please remove the following addresses from credit report XXXX XXXX XXXX XXXX oh please remove the following hard inquires from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/year>, I paid {$41.00} for my Apple Card installment plan ( XXXX XXXX XXXX ). However, Apple only applied {$28.00} and claimed that I also received a {$16.00} refund on XX/XX/year>. I never requested a refund, and I never received this {$16.00} in my Apple Cash or my bank account.

Apple Support stated that the {$16.00} was credited back to my Apple Card balance, but my XXXX XXXX  still shows the total financed amount as {$240.00}. This means I will still end up paying the full {$240.00}, making the so-called refund meaningless. 

I requested a detailed statement from Apple/Goldman Sachs showing where my {$41.00} payment went and how the {$16.00} was applied, but they could not provide written documentation. They admitted they can not send proof and only said my XXXX installment would be reduced to {$28.00}. 

This situation is confusing, misleading, and may result in me being overcharged. I need confirmation in writing that my total out-of-pocket obligation is correctly reduced to {$230.00} ( not {$240.00} ), and a clear explanation of where the {$16.00} refund actually went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I assert that the false late payment remarks on my accounts are a violation of 15 USC 1666. I have always paid on time, and these reporting discrepancies are both unjust and unlawful.

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 2025-09-02 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
Applications were made in my name that I do not recognize, and I never authorized these inquiries. As a result, my credit report has been pulled by these companies without my consent, which has harmed my credit score. I contacted the bureau, and a representative informed me that these inquiries would be deleted, yet they still remain on my credit report. This ongoing issue is adding unnecessary stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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