vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
On XX/XX/year> I requested increase of {$1000.00} on my limit with Capital One. I asked did I need to unlock my credit, stated no. Denial letter was sent to my email stating existing credit limit is too low. And legal action for participant. I have no legal action against me. Where is this information pulling from? And what does existing credit limit is too low? I called customer service 3x to get explanation for denial. No one can explain stated for me to try again. No one can give me proper information for disapproval. This is unacceptable and unprofessional for company not to be able to explain the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called Equifax about three times telling them the information on their report is missing numerous accounts thereby accounting for a low FICO score.

The last request was about XX/XX/XXXX who I called and again reported the problem. The agent told me he saw a " XXXX '' on my account which may have prevented information from being received. He told me to send a letter to Equifax to remove the block which I did. Equifax sent me a conformation card saying they removed a " Freeze " which I do not think has anything to do with the " block " the agent told me about. 

Equifax lists three open accounts on my file. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Had over XXXX dollars taken out of my account. I've also asked for XXXX accessibility and have been denied the entire time. I noticed the transactions and notified cashapp of fraudulent transactions and they didn't investigate under rule E and stated based on transactions history that the transactions were normal. They refused to look at it under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I opened up a credit card with American Express ( AMEX XXXX ) credit card ending in XXXX. At the time they gave me a {$1000.00} credit limit .. Over the past 47 months I paid the credit card on time and used it to its credit XXXX limit then recently paid it down to a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I called them directly to ask for a credit line increase on the card, as my other credit cards were at {$5000.00} to {$12000.00} for credit limits. This card was considered very low based on my income, credit, and history demographics. They told me that I was denied and a letter would go out. The reason in the denial letter that stated XXXX reasons and all are incorrect and not factual. XXXX. My XXXX  credit report was past due on an account - This is false as I have no derogatory or late records on my XXXX  report and in fact have a XXXX FICO score. XXXX. A derogatory public record or collection- This is False as I have no such entries on my report and have a XXXX XXXX score. XXXX. Time since your derogatory or collection account - This is False as I have no such entries on my report and have a XXXX FICO score. XXXX. The amount of loan balances to loan amounts is too high. This is normal as I acquired XXXX new vehicles the last XXXX years. XXXX. The length of time the accounts have been established- This is false and have had accounts for years and has no impact of credit worthiness or FICO score. XXXX. Too many inquiry 's. This is normal as I squired vehicles and increase, updated credit lines and opened a another business requiring credit checks for the business not personal lines. My unsecured debt is less than 1 % of my credit profile and is considered normal at my XXXX level. Excessive obligations in relationship to income - This is also false as my NET income for XXXX on my annual tax return was {$280000.00} which is income to debt ratio less than 1 %. I own a home with XXXX mortgage-paid in full, valued at {$600000.00}, XXXX Score of XXXX, income to debt ration of less than 1 % and never late and paid off in full the AMEX credit card. I was asking for a {$10000.00} increase on the card because it was low based on my other cards. There is no reason financially for a denial and this creditor is acting unfairly and XXXX be because I am XXXX decent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have had my Wells Fargo account opened since XXXX XXXX I went to this bank bc it did offer a sign on bonus that I have never received it does say I would have to have my account open 90 days and at least been depositing up to XXXX in it & I did do that but have no record anything.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
RADIUS is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-15 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-15 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: TN

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my TransUnion credit report. I am actively working to improve my credit and respectfully request a reinvestigation of the following items to ensure they are accurate and compliant with the Fair Credit Reporting Act. 

Charged-Off Accounts I dispute the following charged-off accounts due to inaccurate reporting XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Acct # XXXX XXXX Opened : XX/XX/XXXX, Balance : {$2900.00} Please validate these accounts or remove them if they can not be verified.

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 2025-12-15 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: MI

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )XXXX XXXX XXXX XXXX XXXX XXXX XXXX the inquiry was not authorized.

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 2025-12-15 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I attempted to purchase a computer monitor from an online merchant for {$1200.00}. The packages were delivered on XX/XX/year>, but upon opening, they contained bags of rice instead of the merchandise. 

I immediately contacted the merchant. The merchant responded via email and explicitly admitted that the shipment had been tampered with during transit. However, they refused to issue a refund. 

I filed a formal dispute with the card issuer on XX/XX/year>, for " merchandise not received. '' On XX/XX/year>, I uploaded photographic evidence of the fraudulent contents and a PDF of the full email chain where the merchant admitted the item was stolen/swapped in transit. 

On XX/XX/year>, I contacted the card issuer regarding the status of the dispute. A supervisor informed me that they had ruled in favor of the merchant solely because the merchant provided " proof of delivery. '' I explained that I had uploaded a document where the merchant admitted that the delivery contained fraudulent goods ( rice ), proving the " proof of delivery '' was invalid. The supervisor admitted she saw the document but refused to reopen the investigation or correct the billing error. 

The card issuer has violated the Fair Credit Billing Act by failing to conduct a reasonable investigation. They are ignoring the merchants own written admission of fraud and holding me liable for a transaction where no goods were received. I am requesting a permanent credit of {$1200.00} and the removal of all related finance charges.

UPDATE : Immediately following my call with the supervisor on XX/XX/year>, where I informed her I was recording the call to document their refusal to follow the law, my online account access was targeted and revoked. My mobile app now displays " N/A '' for all balances and explicitly states : " Unable to access account. Please call XXXX for more information. '' My other credit card account on the same app remains fully active, proving this is a targeted retaliation against the disputed account to prevent me from accessing my statements or evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I reached out to a XXXX id XXXX XXXXXXXX the rep did state they were aware of my XXXX XXXX filing. I informed these people of my filing of XXXX XXXX bankruptcy and the representative stated they are going to take me to court and sue me and I asked for no more calls and the rep stated she is going to continue to call me and I told her the bill for check & Go in submitted in my XXXX  XXXX. She asked if I can pay the bill and I feel like this is total violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I would like to request Cease & Desist. I have request on several occasions by certified mail a bill of sale or contract I signed for this debt. The company has not provided documentation. The dates on each of my credit reports are incorrect. Which now I want to pursue legal action for statutory damages up to {$1000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 

XXXX XXXX XXXXXXXX XXXX, MI XXXX Re : Account Number : XXXX CEASE AND DESIST NOTICE To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that Midland Credit Management , Inc. immediately cease and desist all communication with me regarding the above-referenced account.

You are hereby instructed to stop all telephone calls, letters, emails, text messages, and any other form of communication with me regarding this alleged debt, except as permitted by law.

You may only contact me in writing to : Confirm that you will comply with this request, or Notify me of any specific legal action you intend to take.

Any further communication beyond what is legally permitted will be documented and may constitute violations of the FDCPA, for which I will consider pursuing all available remedies.

This letter is not an acknowledgment of liability for the alleged debt and is not a refusal to pay, but a formal request to cease communication. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am writing to dispute the following accounts and inquiries appearing on my credit report. These entries are inaccurate and I respectfully request that they be corrected or removed as necessary. 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-12-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good Morning, From XX/XX/year> to XX/XX/year> my credit card info was used to make purchases over the phone via phone sale at multiple locations on multiple days and i did not authorize this and or request it. 

I had my card on me at all times and when these transactions are done, the company and or rep i have at a particular location will call me directly and take info. 

I have spoken to Chase bank for months and months now and they are telling me its not their problem and will not give me any assistance. They are not only unwilling but are also quite rude and mess up the claim everytime i call in. I have also requested the recording from them stating that i said something when i didnt and they refuse to comply

Company response to consumer: Closed with explanation