vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: AL

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
the beginning of 2019, i have been getting letters to my house, which was my mom 's house and it was collections and more. i wasnt XXXX yet. every since i been going thru identity theft. my wallet got tokken at XXXX XXXX in XXXX texas in 2019 as well. im been contacting these companines and its been oh well, not our problem. I feel like it was possibly my family, because it would be stuff only my family will know. I have no way to prove it, but i dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3500.00} INQUIRIES : XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account NumbeXXXX 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 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
What happened? 
Equifax is reporting an unauthorized XXXX  XXXX XXXX account ( Account # : XXXX ) on my credit file without my consent and without any valid permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I never applied for, opened, or authorized this account. 

On XX/XX/year>, I submitted a formal dispute letter to Equifax invoking my rights under the FCRA and the Gramm-Leach-Bliley Act, requesting the immediate deletion of this account. I explicitly cited 15 U.S.C. 1681i, which requires Equifax to conduct a reasonable reinvestigation, and 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft.

To date, Equifax has failed to provide any documentation verifying that this account was initiated or authorized by me, nor have they demonstrated any legal justification for its continued reporting. Under 15 U.S.C. 1681b ( 2 ), Equifax is not permitted to maintain or share my credit file without permissible purpose, which has not been established in this case. 

Furthermore, the presence of this unauthorized account is a serious violation of my privacy and consumer rights. If this information was acquired through identity theft, Equifax is required to block it immediately per 15 U.S.C. 1681c-2 and to comply with 18 U.S.C. 1028A, which criminalizes unauthorized use of personal identifying information. 

Despite my dispute, this inaccurate information remains on my file. I now demand regulatory enforcement and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information on my credit report. I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Accounts reporting with errors ( XXXX XXXX XXXX XXXXXXXX XXXX ) Duplicated collection entries ( XXXX  appearing multiple times ) Improper late payments reported post-account closure ( XXXX XXXX ) Hard inquiry from XXXX with no permissible purpose I formally disputed these items and submitted documentation. I am requesting CFPB assistance in having these violations investigated and permanently removed. These inaccuracies are preventing me from accessing credit, funding, and homeownership opportunities. 

Please help ensure the bureaus follow federal law and my rights under the FCRA.

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 2025-06-04 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: CA

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date XXXX XXXXXX/XX/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 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Advantage One Credit, LLC
State: FL

Complaint narrative:
filed for XXXX XXXX bankruptcy and received a discharge on XX/XX/year>, in the XXXX XXXX XXXX Florida ( XXXX XXXX. XXXX ). The debt with Superior Funding was included.

Despite this, Superior Funding has continued to withdraw money from my paycheck through a payroll allotment. These deductions have continued every pay period from the time I filed until now, even though the debt is no longer legally enforceable. I requested that they stop the allotment and refund the payments taken after my filing date, but I have not received a resolution.

This is a clear violation of bankruptcy protection laws ( 11 U.S.C. 524 ). Im requesting that : 1. The allotment be permanently stopped.

2. All payments collected after the filing date be refunded.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On Saturday, XX/XX/year>, I deposited a payroll check into my SoFi Bank account. The check was issued by XXXXXXXX XXXX and was for the amount of {$540.00}. Since it was a weekend, I expected the deposit to be processed on Monday, XX/XX/XXXX. 

When I deposited the check using the SoFi app, it showed that {$500.00} would be available on XX/XX/XXXX and the remaining {$48.00} on XX/XX/XXXX. However, shortly after, SoFi updated the availability date for the entire amount to XX/XX/XXXX without providing any notification or justification. 

I contacted SoFi through both chat and phone call to request an explanation for the change. I was told that it was a bank procedure, but they did not give me any clear reason. I also requested to cancel the deposit in order to deposit the check at another bank, and they said it was not possible. 

I explained to them that this delay was causing serious financial hardship, since I depend on my paycheck to pay for basic needs and repay debts. I received no useful help or resolution from their customer service. 

According to SoFis own published policies, deposits should be available within 12 business days. Holding the full amount for over a week without explanation is unacceptable, especially for a payroll check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Capital One XXXX XXXX XXXX announced they are removing the priority pass lounge perk, for guests of primary user as well as authorized users. 
This was a perk that was used to entice and sell the value of this XXXX  card and now it is being removed or will be charge a fee for it. 
Would love for some accountability and resolution that works for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting a debt without properly validating it. I requested full validation and they failed to comply. They also continued reporting to the credit bureaus without verifying the debt, which violates the FCRA ( Section 623 ) and FDCPA ( Section 809 ). I am requesting immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> a transaction was made then same day reversed chargeback to the XXXX  account per the institution the dispute was against and XXXX  informed the XXXX  account is permanent closed but would still be able to receive funds from return funds. Now stated it wasn't reserved charged back to them even though per XXXX  them self the company the dispute were against advised me personal that it was in fact issued back to my XXXX  account in the amount of {$560.00} on XX/XX/year>, XX/XX/year> XXXX more were issued amount of {$100.00} from XX/XX/XXXX and {$50.00} from XX/XX/year>. XXXX  states they're not allowing me to get my funds from reverse chargeback from XXXX  totaling {$710.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX - Tried to transfer {$2000.00} from my chase account to my XXXX  XXXX XXXX account ( I am the sole owner on both accounts ) XXXX - Chase called me to let me know they can not transfer because they dont know XXXX XXXX XXXX XXXX under my name. I asked them to XXXX XXXX  XXXX XXXX, which Chase refused to do. They told me to come to branch, subsequently XXXX  XXXX XXXX external account is deleted XXXX - come to branch- showed the banker that i own the XXXX  XXXX XXXX account, transfer {$2000.00} again, it is again rejected, same reason????/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NV

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 2025-06-04 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: GA

Complaint narrative:
b'Subject: Request for Deletion Based on Protected Consumer Status\n\nTo Whom It May Concern,\nI am requesting the deletion of the following account:\n- Creditor: XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  LATE PAYMENT : ACCOUNT XXXX a recipient of [SSI/SNAP/Medicaid/etc.], I am considered a protected consumer under the FDCPA and FCRA. Reporting this debt is causing undue harm and is not justified under federal law.\nAttached is proof of my protected income. I respectfully request that this account be deleted from all\nreporting systems within 15 days.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
b'Subject: Request for Deletion Based on Protected Consumer Status\n\nTo Whom It May Concern,\nI am requesting the deletion of the following account:\n- Creditor: XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  LATE PAYMENT : ACCOUNT XXXX a recipient of [SSI/SNAP/Medicaid/etc.], I am considered a protected consumer under the FDCPA and FCRA. Reporting this debt is causing undue harm and is not justified under federal law.\nAttached is proof of my protected income. I respectfully request that this account be deleted from all\nreporting systems within 15 days.\n\nSincerely,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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My Identity was Used On Apartment ( XXXX XXXX XXXX XXXX XXXX NC. ) I Never Stayed There, As you Can See Ive Tried Numerous Times To Get This Off My Credit. 
The Apartments Have Admitted They Have No History Of Me Being a Renter. 
The Management Company Sold It to A Debt Collector. 
So Accordingly, I am requesting the following actions under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. Provide full validation of the alleged debt, including : A copy of any signed lease or agreement with The Midtown Apartments Documentation of charges and account history Proof that I am legally responsible for this debt 2. Cease all collection activities until validation is provided.

3. Remove any and all negative credit reporting to credit bureaus if the debt can not be validated.

Please consider this a formal request for investigation. I am also submitting a complaint with the Federal Trade Commission ( FTC ) and may pursue further legal action under federal law if this issue is not resolved promptly and in accordance with my consumer rights.

You are hereby notified to cease and desist all further communication regarding this debt except to provide the documentation requested above. 

I also Have The Identity Theft Affidavit NOTARIZED ALSO WITH PROOF I WAS IN High SCHOOL ( SOUTHERN XXXX XXXX XXXX ) IN XXXX NC AT MY RESIDENCE ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXX ) at the time of Identity Theft took place. 
XXXX, I graduated 2020. 
Theres no way I was possible in a apartment in XXXX. 
If NEED BE I CAN MAIL THE AFFIDAVIT TO YOU GUYS OR ANYONE NEED BE. 
POLICE REPORT CONNECTED AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
There is a Capital One and a XXXX XXXX XXXX  card that I never opened and had XXXX knowledge of either account. There is also a payday loan that I also did not authorize in my name or signed up for it. Someone else must have used my information as I do NOT own a single credit card.

Company response to consumer: Closed with explanation