vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Instead, Capital One closed the account, leaving me without access to my wages. My paystub shows the direct deposit was sent, but Capital One agents are now telling me they dont see it. They have refused to confirm whether the funds are being held in a closed-account ledger or returned to my employer. They are trying to push me into filing a dispute, which is not the correct process. I need access to my paycheck immediately. 

Why this is a problem : Capital One allowed unauthorized changes to my account ( address change ). 

They misrepresented the status of my account and misled me into believing I would have access to my paycheck. 

They are withholding or mishandling my wages, causing financial harm and stress. 


What I want : Immediate release of my paycheck funds by cashiers check or wire transfer. 

Written confirmation of whether Capital One is holding the deposit or if it was returned to my employer. 

Review of the recorded call where I was assured the account would stay open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
I have got several loans from tribal lenders and basically didnt know the crazy interest rates, ranging from, XXXX %, were illegal practices in Washington state where XXXX reside. Ive tried talking to them and they are not willing to do anything other then tell me to go read my crazy loan terms and that they dont have to follow laws thats they are governed by tribal law. They are also not licensed in Washington state which is not legal either. I didnt know any of these things prior to getting these loans and wish I would have. I have already paid back so much money and am stuck with no paycheck at the end of my pay period. I feel very stuck. Ive already moved out of my rental house of XXXX years as I had to break a lease cause XXXX couldnt make my rent payments after taking these. The charges are out of line. Its been tough and I dont know what to do.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter on XX/XX/year> from Chase Card Services saying someone tried to open up a credit card in my name on XX/XX/year> which they declined. this was almost XXXX months after the fact before they even sent the letter. As usual they blamed the XXXX XXXX. I called them to get more information about the ID theft and because it was 30 days after the fraud they could not and would not give me the information. They gave me XXXX web sites and XXXX phone number. When I asked to speak to a supervisor the person hung up the line on me. I called back at a different number and got a different person who at least told me it was for a credit card but would give no further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hello, On XX/XX/year> my apple card shows notifications that {$240.00} was taken from my credit card without my permission. 
I inform the bank and make dispute immediately on the same date. 
The bank is Goldman Sachs Bank- apple card The bank keep open my transaction and ask for documentation to investigate, i contacted the merchant by email and they are company located at XXXX XXXX XXXX understand from the country code telephone show at the email. 
The merchant replied that they could not find my information, name or email addresses at their data. 
I have no idea who used my card but the bank still ask me to proof and send additional documentations. 
7 times the dispute has been reopened for last 2 years and 2 months and the bank insists to have proof, believe me i do not know what to do and how to proof unauthorized transactions. 
please assit with this complaint and find out how i can get this amount out of my credit card. 
Thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: MIDFIRST BANK
State: SC

Complaint narrative:
XXXX XXXX, I missed my XXXX mortgage payment due to South Carolina XXXX that caused my floor to cave in. I paid {$5000.00} to repair. I contacted XXXX Mortgage for assistance. I continued to make my payments. I reached out to XXXX Mortgage again in XX/XX/XXXX for assistance. In XXXX they decided to assist. I continued to make my mortgage payments of {$880.00}. XXXX Mortgage assist with a modification of {$840.00}. With only a {$40.00} difference I continued to make the regular payment of {$880.00} for the XXXX to 6 months. A document came to my home claiming I still owed over {$3000.00}. I called spoke to a lady who did a really great job with breaking everything down to me as she was confused as well. Even explained that their was a second part to the modification which was not explained the XXXX time. The XXXX part of the modification would include me filling out the packet. However, due to ALL the confusion about the XXXX part and the {$3000.00}, I was informed that I was to fill out a packet that had already been sent. To my surprise, the packet was delivered to my neighbor days prior. Right address, wrong mailbox. The packet was due on that day. I filled out the packet. ALL signatures were to be in XXXX ink. However, I ran out of ink and signed XXXX signature in red due to that being all I had and trying to meet the deadline. The following month I go online to make a payment now my mortgage is well over {$5000.00}. I am still making my monthly payments of XXXX. I call XXXX Mortgage. They tell me that in XXXX the re-evaluated my mortgage due to taxes and something else that caused my mortgage to rise to {$970.00} from {$880.00}. I immediately asked to speak to someone else who say " oh no it's {$900.00} ''. When did this happen and why is my mortgage behind by over {$5000.00} if I am paying on time every month??? Even with the modification.

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 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AVANTE
State: TX

Complaint narrative:
This is the second time I have submitted a complaint against Avante USA because the first time they claimed to have contacted me at number and adress listed on this complaint but that is FALSE! When I reached out to Avante USA AFTER this debt went on my credit in collections and I spoke to one of their agents she informed me that they had the wrong number and adress they had been contacting me at and they said the call was being recorded and monitored so there should be plenty of proof to back this up. If this matter does not become resolved I will be forced to let my attorney handle Avante USA. I will not accept a closed complaint and blatant lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
Victim of Data Security Breach : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, North Carolina Consumer, has been impacted by XXXX  and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 

Without my authorization, the following accounts were fraudulently opened to benefit a third party, and I have never provided any permission for access to my credit files or for accounts to be established in my name : XXXX XXXX XXXX Accounts : XXXX. XXXX/ $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/ $ XXXX XXXX XXXX, XXXX B. Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS * * 15 U.S.C. 1681e ( b ) - Reasonable Procedures : * * Experian failed to follow reasonable procedures to assure maximum possible accuracy of consumer information by : - Reporting unverified debt information - Failing to conduct adequate investigation of consumer disputes- Continuing to report disputed information without proper verification * * 15 U.S.C. 1681i - Dispute Procedures : * * Experian violated dispute investigation requirements by : - Failing to conduct reasonable investigation of disputed items- Providing inadequate responses to legitimate consumer disputes - Reporting information as verified without obtaining proper documentation from furnisher * * 15 U.S.C. 1681s-2 ( b ) - Duties Upon Receiving Notice of Dispute : * * Experian failed to properly investigate disputes and remove unverifiable information

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I received a notification in XXXX XXXX that there was a " new inquiry '' today XX/XX/year> from " XXXX ( Bank ) '' on my TransUnion Credit Report within XXXX XXXX. I researched and seems to be a " XXXX Credit Card '' handled by " The Bank XXXX Missouri ''. I have not requested anything related. I'm worried about fraud being committed and someone using my social security to open an account. Nothing has come up within XXXX  Report as of this moment ( same day XX/XX/year> ).

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 2025-09-26 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:
Date : XX/XX/year> Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by ____. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 

Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

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 2025-09-26 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: OH

Complaint narrative:
Date : XX/XX/year> Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by ____. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 

Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

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 2025-09-26 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: OK

Complaint narrative:
Equifax is unable to freeze my account because they can not verify my personal information, both other bureaus were able to instantly with the same information. 

I tried several times with their automated answering system which ended with trying to call an agent, after a considerable hold I tried to go to their website, which also could not verify my personal data and prompted me to call an agent which ended with a long hold that I did not have the time to complete. Both other bureaus completed their roles instantly and without any hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 challenge the inclusion of accounts never established by me. Kindly investigate comprehensively and expunge them. Documentation accompanies this request.

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