vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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:
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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 2025-08-25 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: MI

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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 2025-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the XXXX XXXX XXXX XXXX contract, for which I have not received any of the promised deliverables. The contract explicitly guaranteed three exclusive funnels ( Video Sales Letter, Masterclass, Freebie ), fully structured with sales pages, technical setup, and paid XXXX XXXX  campaigns live by the XXXX XXXX in XXXXXXXX XXXX. To date, none of these deliverables have been provided. 

Instead, the vendor acted in bad faith by presenting unrelated services from a different program I had previously purchased and fully paid for ( XXXX XXXX XXXXXXXX ). XXXX XXXX XXXX  is not in dispute I confirm I received its content and have no complaints regarding it. However, the vendor has attempted to misrepresent those XXXX deliveries as fulfillment of the XXXX XXXX contract, which is false. 

I have already paid USD {$8800.00} in good faith ( covering XXXX XXXX XXXX in full and part of the XXXX XXXX  ). My request is simply to cancel all future charges ( remaining balance of approximately USD {$8200.00} ) for the XXXX XXXX, since none of the contracted funnels or promised services were delivered. 

I exercised my legal right, under U.S. consumer contract law, to stop paying for undelivered services and notified Capital One. However, Capital One has repeatedly denied my dispute, stating that I have not provided sufficient evidence even though I submitted the contract, screenshots, emails, XXXX conversations, ad account records, and testimonies from other participants twice. Today, I am resubmitting all of these documents again. 

This case is not about refunds of what has already been paid. It is only about stopping future charges for a program that was never delivered. I am requesting CFPBs assistance to ensure that my rights are upheld and that Capital One honors the cancellation of future charges for undelivered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
Hi to whom it may concern, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will Investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX XXXX - XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX  - XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX  XXXX XXXX  XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
Hi to whom it may concern, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will Investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX XXXX - XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX  - XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX  XXXX XXXX  XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - 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 2025-08-25 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: MD

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-08-25 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
This is an account that was opened by an ex in 2018 without my permission. This ex had access to my phone, and personal information and was able to apply for credit. Ive spent years trying to clear this up. Most of the items have been cleared except this one. This company sued me without my knowledge and won a default judgment. However, the case was later dismissed and the funds that were garnished from my check were returned. I have a copy of the court order showing that the case was dismissed. This debt continues to show up on my credit report. The company that now holds this case is Lloyd and McDaniel XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I applied for credit at Living Spaces in XXXX Utah for a Synchrony Bank department store card to purchase a couch on XX/XX/year>. After leaving the store and reviewing the terms on the Credit Card, I cancelled the order and the account within XXXX hours of the purchase. The interest rate is over 30 %. 

It should also be noted that the purchase was made after XXXX on a Saturday night. The order cancellation and account closure took place early in the morning on Sunday, XX/XX/year>. Within hours of opening the account. 

Synchrony Bank confirmed the closure of the account on XX/XX/year> and supplied me with a confirmation of the account closure with a XXXX balance. 

Living Spaces charged a {$150.00} " cancellation fee '' to the account after it was closed. The order was cancelled within the right of recission period. No significant progress was made on the order, no products or services were received, and the account was closed. 

Synchrony Bank has since charged additional late fees and interest charges. It has been reported to the credit bureaus and is negatively effecting my credit worthiness and credit score. This situation is predatory and illegal.

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 monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed a bankruptcy on my Experian credit report on XX/XX/XXXX. Despite multiple disputes, it was verified again, with results received today, XX/XX/XXXX. I contacted the XXXX court, and they confirmed they do not verify or provide public records to credit bureaus. This shows Experians investigation was improperly conducted and the information is inaccurate.

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 2025-08-25 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: FL

Complaint narrative:
I am disputing the following hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file, nor do I have any established credit or business relationship with them. These inquiries are inaccurate and misleading because they suggest I applied for credit when I did not. 

The disputed inquiries include : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These inquiries are the direct result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose and proper authorization. I did not provide authorization for these inquiries, which makes their presence on my file unlawful.

Additionally, 15 U.S.C. 1681b ( f ) prohibits any person from obtaining a consumer report without a permissible purpo
se, and 15 U.S.C. 1681i ( a ) provides me the right to dispute any inaccurate or unauthorized information on my credit report and requires reinvestigation.

Because these inquiries were made without my consent and are tied to fraudulent activity, they represent a clear violation of my rights under the FCRA and protections outlined in 15 U.S.C. 1681c-2, which specifically covers obligations of consumer reporting agencies in cases of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
The payments I made was not applied to the modification program I agreed to pay and the money went to a different area I was told and not to the modification program I agreed to. So my program was canceled for non payment of the modification because the company did not credit my payment to the modification program even though I made the required payments.I tried numerous times contacting SPS servicing to correct the error. I was then told my account was put into foreclosure status for the modification program I had been making payments but not being credited for and my payments was credited to my normal account and not the modification program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Ive recently received a copy of my consumer report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These accounts/remarks have been detrimental to my life and credit health. I have filed several disputes and Lexus Nexus has not been able to provide information proving pacer has verified the information as accurate and belongs to me. I have provided proof that the address on file for the account does not belong to me and not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

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

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

Company 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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent money to the wrong person and I explained that it was a mistake. They stated that they tried to contact the person to send it back. I understand about the investigation period. But it's been 4 months and they are not saying anything about my money. I really need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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