vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a derogatory account and several recent hard inquiries listed on my Equifax credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, in light of the Equifax data breach, I am particularly concerned about the integrity and accuracy of my credit information. 
Please investigate the following account and remove it from my credit report if it can not be verified : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the removal or verification of the following unauthorized or questionable inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries do not appear to have been authorized by me and I am requesting they be removed unless valid proof of authorization is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
step 1. I set up direct deposit to newly opened a check account on XX/XX/XXXX. 

Step 2. I deposit {$15000.00} in new saving account before XX/XX/XXXX. and maintain that balance through XX/XX/XXXX for {$200.00} bonus step 3. I would get extra {$400.00} by completing step 1 and 2 within 15 days after XX/XX/XXXX. 

As of this writing, today, XX/XX/XXXX, I have not received any of this {$600.00}. I called customer service on XX/XX/XXXX XXXX and even escalated to Chase  XXXX office on XX/XX/XXXX and my case number is XXXX The XXXX, XXXX stated I should get a call in two to three days after XX/XX/XXXX. Unfortunately, I have never been contacted by anyone from Chase. 
This is a breach contract between me, as a consumer and Chase  Bank. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
" I am a victim of a data breach and identity theft. These accounts were open at a time I was incarcerated.

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 2025-05-06 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have repeatedly requested a credit limit increase from Capital One for the past 8 months, but their automated system continues to deny my request with the vague explanation that they are still evaluating my usage. However, the credit limit is so low that its impractical to use the card meaningfully. This creates a deadlock where I cant demonstrate usage because the limit is too low, yet they claim usage must be evaluated before increasing it. 

I have called Capital One multiple times over the past few months ( most recently in XX/XX/year> ), and Ive spoken with multiple agents and supervisors who all confirm they are unable to do anything beyond referring me back to the same online request form that triggers the same automatic denial and waiting for even more months. No one can manually review my account or provide an explanation beyond the scripted response. 

I have maintained a flawless payment history and meet all criteria for a credit limit increase. Capital Ones reliance on an automated system with no human oversight or override is unfair, opaque, and blocks me from using the account responsibly or building a healthier credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
I am writing to dispute information on my credit report that I believe resulted from identity theft. I am requesting that you immediately block the reporting of any information that I identify as being associated with identity theft, pursuant to 15 U.S. Code 1681c-2. Please delete the following accounts. XXXX XXXX XXXX XXXX acct # XXXX {$940.00}. XXXX XXXX XXXX XXXX {$450.00}. XXXX acct # XXXX {$1700.00}

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 2025-05-06 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX Social Security XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX loan with XXXX XXXX XXXX opened XXXX XXXX with account number XXXX and a balance of {$22000.00}. A XXXX  loan with XXXX XXXX and XXXX opened XXXX XXXX with account number XXXX and balance of {$13000.00}. A XXXX  loan with XXXX XXXX opened XXXX XXXX with account number XXXX * * * * and a balance of $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 store mentioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: 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 XXXX USC XXXX. 

Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to XXXX USC XXXX they are supposed to 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. 

XXXX U.S.C. XXXX ( 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 2025-05-06 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: IL

Complaint narrative:
Here is a Dispute Letter for Unauthorized Hard Inquiries, which you can send to a credit bureau and/or the company that made the inquiry : Subject : Dispute of Unauthorized Hard Inquiry Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to formally dispute a hard inquiry appearing on my credit report that I did not authorize or initiate. The inquiry is from : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : Equifax I did not apply for credit with this company, nor did I grant permission either verbally or in writing for them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXb ( c ), a hard inquiry may only be made with the consumers explicit authorization, typically in connection with a credit application. This inquiry does not meet those criteria. 



Accordingly, I demand that the unauthorized hard inquiry be : 1. Investigated immediately, and 2. Removed from my credit report if no valid authorization can be provided. 



Please provide written confirmation of your findings and any actions taken within 30 days of the receipt of this letter. If no evidence of authorization is presented, I expect prompt removal of the inquiry from my credit file and written confirmation of that removal. 



Should this matter not be resolved appropriately, I will file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) again, and my State Attorney General. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-06 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX XXXX. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXXe ( b ) and XXXX USC XXXXi, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXX I reached out to XXXX XXXX XXXXXXXX XXXX XXXX XXXX in an attempt to settle a debt that were collecting on behalf of DNF Associates as the current creditor who was sold the debt from the original creditor ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$1300.00}. 

Through the rep at XXXX settled the debt for {$650.00} and advised me that within XXXX days my credit report would be updated to reflect that the debt was " paid-in-full ' and removed from my credit report. Within a week ; I had saw this item drop off my credit report. 

On XXXX XXXX XXXX XXXX XXXX I got a notification from my bank who I have allowed to monitor my credit of an alert that a new account had been opened in my name, Upon checking ; DNF Associates had put the item back on my credit as Opened XX/XX/ and last account activity being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to XXXX but was transferred to a lady who did not speak XXXX and was eventually hung up on. On XXXX XXXX XXXX XXXX  I reached out to XXXX and was able to speak to someone about my complaint. The lady I was connected to told me that there was no way the item was taken off my credit report and then placed back and even if so ; that they have up XXXX days to update my report. Different information than what was told to me by the original rep that I settled the debt with. 

My credit dropped XXXX points from Unfavorable to Deficient because of this negative and adverse action.

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 2025-05-06 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Unlock Technologies, Inc.
State: WA

Complaint narrative:
In XX/XX/year>, Unlock provided an XXXX XXXX offering {$100000.00} in exchange for 15.92 % of my homes future value. However, when I signed the final agreement in XX/XX/year>, the investment amount was increased to {$190000.00}, the equity share was increased to 28.16 %, and a revised valuation and XXXX XXXX XXXX were applied all without a clear explanation, comparison, or meaningful consent. 

I was not informed of the financial impact of these changes and was not given a choice to accept the original terms. Now, as I prepare to sell my home, Unlock has issued a payoff demand of {$310000.00} nearly {$130000.00} more than the investment amount in under three years.

I believe the terms were misrepresented, the process lacked transparency, and the agreement may be unconscionable. I am requesting CFPB review this product and practice as potentially unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I am writing on my own behalf to formally request that your agency provide a detailed description of the procedures used to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

This statute entitles me, as a consumer, to receive a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted during the course of your review. 

Please ensure that this information is provided within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation