vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
RE : URGENT DISPUTE FRAUDULENT inquiries UNDER 15 U.S.C. 1681c-2 FILED FTC REPORT # : XXXX Dear Equifax, This letter is a formal dispute under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, also known as Section 605B, regarding multiple fraudulent items listed on my credit report due to identity theft. I am a victim of identity theft and did not open, authorize, or have any knowledge of the following inquiries now harming my credit profile : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, once you receive : 1. A valid identity theft report, and 2. Proof of my identity, You are legally required to block the fraudulent information from appearing in my file within 4 business days of receipt. Attached are the following documents : A copy of my government-issued ID A utility bill or proof of residence A copy of the FTC Identity Theft Report A signed affidavit confirming I did not open or authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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The personal information on my credit report were outdated.

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 2025-07-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, Beyond Finance negotiated a settlement agreement with XXXX XXXX on my behalf. After this, a few payments were made to XXXX XXXX through the Beyond Finance platform/app. However, I lost my job and was no longer able to continue making the required payments. As a result, the settlement agreement was canceled, and the account was placed back into review. 

Beyond Finance had already collected their settlement fees in full after those initial payments. I believe it is unfair and possibly improper for them to retain these fees since the settlement was not successfully completed and the account is now unresolved. 

I have requested a refund of these fees and a detailed accounting statement, but I have not received a satisfactory resolution. I am seeking a full or partial refund of the fees collected, a return of any remaining funds in my settlement account, and closure of my Beyond Finance account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My husband and I applied jointly for a Chase Freedom Unlimited credit card. We both have excellent credit ( over XXXX ), a combined income of {$110000.00}, and submitted a fully truthful application. Despite this, we were denied due to an alleged fraud flag yet Chase made no attempt to verify information with us directly before denying the application.

To make matters worse, Chase contacted my mother, who is not listed on the application, is not an authorized user, and has no financial or legal connection to the account. This is a serious and unjustified violation of my privacy.

When I called Chase to get answers, they refused to escalate me to a supervisor or provide a legitimate explanation. Days later, a representative falsely claimed that my mothers phone number was included on the application. That is categorically false her number was not provided anywhere by me or my husband. I now believe Chase may have pulled third-party data
and contacted an unauthorized party without consent, possibly in violation of the Fair Credit Reporting Act ( FCRA ) or the Gramm-Leach-Bliley Act ( GLBA ).

Since the application was denied due to a fraud flag and never evaluated based on our actual creditworthiness, I am requesting : Immediate removal of the hard inquiry from both of our credit reports A written explanation of how my mothers phone number was accessed A confirmation that she will not be contacted again This was a deeply mishandled and invasive process. Im requesting assistance from the CFPB to get a full explanation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 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 non-monetary relief
Consumer complaint received 2025-07-07 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I requested for multiple inquires to be removed and the company stated this is factual when in fact I never applied for these services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, I called TD bank today XX/XX/year> at XXXX regarding my personal checking account. I was calling to submit a dispute for a transaction from XXXX XXXX XXXX XXXX, posted on XX/XX/year> for {$210.00}. The reason for my dispute falls under bad service under the Fair Credit Billing Act ( FCBA ) Due to them providing poor service and injuring my nails during the service. I ended up with an XXXX needing medication to resolve the matter. On that note, when I called and advised I wanted to submit a dispute for that reason, the specialist refused to submit one for me and refused to transfer me to the department as they stated it wasn't a valid reason in their opinion and they didn't have the prompt for that and its a lawsuit not a dispute. This violates my rights under the Fair Credit Billing Act ( FCBA ) to submit a dispute for poor service as directed by my attorney before seeking additional compensation. Not only did the specialist refuse to transfer me or submit the dispute, I asked for a supervisor and placed on hold for 20 minutes and then the specialist came back and advised it would be another 20 minutes before i could speak to someone. I asked for their employee ID information for documentation of the recording purposes and who i was speaking to and they refused to provide me it and scoffed and laughed at me for asking for it. This is embarrasing and demeaning to treat a customer that way. I simply wanted to submit a dispute as my right, and if approved or denied will decide any further route I would take and this specialist denied my right to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I noticed that my account was closed on XX/XX/XXXX, CITI Bank says they are sending a letter with more detailed information about why on XX/XX/XXXX. Apparently my account was closed because of a returned payment. I recently paid my entire balance off less than 60 days of writing this complaint and that I have a payment history of consistent payments every 2 weeks ( every paycheck ).

This seems to be a system generated closure and to reopen my account I would need to open a new account. 

I was not given any real notice and on XX/XX/XXXX I had full access to my account.

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 2025-07-07 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: FL

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

1681c-2 ) that you, the Equifax Information Services , 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 : 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 Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
Subject : Formal Complaint Against Credit Reporting Agencies and Creditors for Violations of the FCRA To Whom It May Concern : I am filing this complaint against TransUnion, Experian, Equifax, and several creditors for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), resulting in inaccurate and harmful information on my consumer credit report. The following FCRA laws have been violated : -- - FCRA Section 611 ( a ) ( 1 ) ( A ) Violation : Credit bureaus failed to respond to written disputes within 30 days.

Fine : {$1000.00} per violation. 


-- - FCRA Section 605 ( c ) Running of the Reporting Period Violation : Creditors and/or credit bureaus attempted to re-age accounts, including GLBLNDSVCS, updating last activity dates to extend derogatory items on my file. 
Fine : {$1000.00} per violation.

-- - FCRA Section 623 Violation : Despite my dispute on the XXXX XXXX XXXXXX/XX/XXXXXXXX collection accounts, creditors failed to mark them clearly as " disputed '' to all CRAs ( Credit Reporting Agencies ). 
Fine : {$1000.00} per violation, per bureau. 


-- - FCRA Section 604 ( a ) ( 3 ) Violation : Several inquiries from IR, XXXX XX/XX/XXXX were made without a permissible purpose. 
XXXX : {$1000.00} per violation. 


-- - FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Violation : Equifax reinserted disputed accounts ( e.g., XXXXXX/XX/XXXX) without proper written notice within XXXX business days. 
Fine : {$1000.00} per violation.

-- - I have attached my full credit report and documentation clearly showing these violations. I demand : 1. Immediate deletion of all inaccurate, unverifiable, and improperly reported accounts across all three bureaus.

2. Full investigation and enforcement actions by the CFPB for each listed violation. 


3. Monetary penalties applied to each bureau and creditor for their ongoing noncompliance and harm done to me financially and emotionally. 



These entities have acted in direct violation of FCRA law and federal consumer protection statutes. I respectfully demand swift resolution and enforcement. 

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX Credit Report Date : XX/XX/XXXX Sincerely, 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 2025-07-07 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.

1681c-2 ) that you, the Experian Credit Services , 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 : 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 Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am disputing the continued reporting of a debt that is now over seven years old. Under the Fair Credit Reporting Act ( FCRA ), negative information such as collections, charge-offs, and late payments must be removed from consumer credit reports after seven years from the original date of delinquency.

This account should no longer appear on my credit report, as it has reached or exceeded the 7-year reporting limit. I previously submitted a request to block and delete the item, which was denied. I am now requesting a full reinvestigation into the accounts reporting status.

If the account can not be verified as legally reportable within the FCRAs time limit, I request that it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I have a discrepancy in my credit report and after several attempts, the parties involved have not been willing to help and it is negatively affecting my credit and causing me unwarranted hardship. 
I had a credit card repayment plan set up with XXXX XXXX, set up on auto-pay, with no delinquency since XXXX. 
The creditor sold my debt to Capital One around XX/XX/XXXX, and my auto-pay with XXXX XXXX was stopped, and of course, there was no auto-pay set up with Capital One. 
I had moved, so I did not receive any written notice from Capital One, and I had not spoken to Capital One, therefore I was not informed that my debt was changed to Capital One until XXXX when I noticed delinquency in my credit report for failure to pay Capital One. 
I have contacted the XXXX XXXX XXXX XXXX about a discrepancy in my credit report and they all told me to work it out with the Creditor. 
I have spoken to Capital One on numerous occasions and they tell me they will " look into it '' after I explain my situation, which seems fair that they would make the correction, but after some time, I don't get any result or reply. 

I have no delinquency with Capital One since XX/XX/XXXXXXXX  when we first spoke. I also did not have delinquency with XXXX XXXX, the original creditor. 
I find that it is wrong and unfair that I my credit score is suffering when I did everything right and paid on time. 
Capital One is giving me delinquency when I didn't know they were my creditor. I did not sign up for or have any agreements with Capital One, only XXXX XXXX. I find it unjust that they reported me delinquent when I didn't even sign anything with them and when I was informed, I made an effort to set up auto-payment since then. 

Please help me as it is greatly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 : 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation