vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-31 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I called the number that was on the back of my gift card to seek assistance and add my address and name to the gift card so I could use on an online purchase and I was unable to speak to a representative. I contacted the company I was trying to buy fromXXXX XXXX- and they informed me that coming in store and using the card there would probably allow me to use the card for my purchase. That was last week XX/XX/year>. Today, XX/XX/year>, I drove an hour away to the XXXX store and tried to use my Amex prepaid gift card there and tried 4 times, to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
This letter serves as a formal dispute regarding unauthorized hard inquiries placed on my consumer credit report. I did not grant consent, nor is there a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, for your organization to access my credit information.

Your actions violate the following provisions : 15 U.S.C. 1681b ( f ) : Consumer reports may only be accessed for legally permissible purposes.

15 U.S.C. 1681e ( a ) : Requires proper certification of intent to the Consumer Reporting Agency.

15 U.S.C. 1681q : Prohibits obtaining credit information under false pretenses.

18 U.S.C. 1028A : Addresses aggravated identity theft and unlawful use of personal identifying information. 

Damage and Impact Due to this unauthorized inquiry, I have experienced denial of credit and a drop in my credit score. I am requesting immediate correction.

Resolution Requested Permanent removal of the unauthorized inquiries from my credit report.

Written confirmation of the removal and corrective actions taken.

Monetary settlement of {$1000.00} for damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), payable within 30 days via certified funds.

If this issue is not resolved, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. 

List of Inquiries to Be Disputed : 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>

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: OH

Complaint narrative:
Subject : Relay Financial Unlawful Account Termination Without Due Cause I am submitting this supplement to my complaint regarding Relay Financial. On XX/XX/year>, I received an email from XXXX XXXX, Compliance Specialist at Relay, informing me that my account was closed by our compliance team. The email gave no specific lawful reason for the closure, only vague language about documentation, nature of the business, or transactions. 

This closure is unjust, arbitrary, and unlawful under 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts and practices. Relay Financial has : XXXX. Failed to provide a specific statutory or regulatory basis for terminating my account. 
XXXX. Denied me access to financial services without due process, effectively blacklisting my business operations. 
XXXX. Refused transparency, instead hiding behind generic compliance language to avoid accountability. 

I hereby demand that the CFPB immediately : Compel Relay Financial to provide, in writing, the specific reason for this account closure, including whether a Suspicious Activity Report ( SAR ) was filed.

Ensure the immediate and complete release of all funds without delay or penalty.

Require Relay to produce all internal compliance notes and documentation relating to my account closure. 
Investigate Relay for potential discriminatory or arbitrary banking practices in violation of federal consumer financial laws. 

Time is of the essence. I request the CFPB take immediate enforcement action and compel Relay to respond within XXXX hours of this notice. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
These questions appear unapproved and unexpected. Please review the attached documents swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

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 2025-07-31 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated. 
This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: ProCollect, Inc.
State: TX

Complaint narrative:
I AM FILING A COMPLAINT WITH PRO COLLECT INCORPORATED, I HAVE RESEARCHED THIS COMPANY AND THEY ARE A DEBT COLLECTION AGENCY ( https : //procollect.com/ ) that has appeared on my credit report related to an old eviction, now listed under collections with a balance of {$5100.00}. The collection account appears to have been opened on or around XX/XX/year>, and is being reported by a third-party debt collector. However, I have not received any written notice from the collector, nor have I signed any agreement with them confirming that I owe this debt. This is affecting my credit and obtaining an apartment, please look into this immediately! 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. This includes : A copy of the original lease agreement or any contract with my signature Proof that the debt collector has legal authority to collect on this debt A complete payment history, and the name and contact information of the original creditor ( property management/landlord ) A breakdown of how the amount of {$5100.00} was calculated Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers of information are required to report accurate and verifiable information. If the collector can not provide proof that I owe this debt, it must be removed from all credit reporting agencies immediately.

I have attempted to contact the collection agency but have received no proper validation. The account is still negatively affecting my credit and shows a payment history with 81 % missed payments, which is inaccurate, as I dispute owing the debt at all. 

I am requesting that : The CFPB investigates this collectors reporting practices The debt collector provides documented evidence ( with signature ) that I owe this debt If they are unable to validate, they must delete this account from all credit bureaus ( XXXX XXXX XXXX ) Any further collection attempts cease until verification is provided I am exercising my rights under federal law and requesting appropriate action by both the CFPB and the debt collector. 

Thank you for your attention to this matter.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-07-31 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-30 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: CBC Companies, Inc.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Hello, I am reaching out to you in urgent need of assistance regarding a troubling experience Ive had with a vehicle purchase from XXXX XXXX. 

On XX/XX/year>, I purchased a used car from the dealership and also bought an extended warranty. From the very first day, I noticed the car had mechanical issues and promptly reported them. Despite returning several times to address the problems and requesting a different vehicle, I was told that Capital One only approved that specific car due to my credit situation. 

Unfortunately, the vehicle has proven to be extremely unsafe, it jerks and stalls in the middle of the road, even while I have my children in the car. It also emits strange noises, has shaky tires, and several other concerning mechanical issues. The dealership repeatedly attempted to " fix '' the car but never resolved the problems. Instead, they continued making promises and delaying action until I became completely frustrated. 

I reached out to Capital One to initiate a cancellation of the deal, and I was instructed to finalize it with the dealership. However, the dealership refused and threatened to make Capital One put a repossession on my credit. At that point, both the faulty vehicle and my trade-in car were in their possession. I returned the vehicle on XX/XX/year>, as I could no longer risk my safety or that of my children. 

A staff from Capital One later advised me not to return to the dealership to avoid confrontation and informed me that he would follow up on XX/XX/year>. I did not hear back from him despite several attempts to reach him. I was eventually told by Capital One that there is nothing they can do, as I bought the car as is, and I should resolve the issue with the dealer. 

This situation has left me devastated. Capital Ones policy is clear that dealers should not sell vehicles with known mechanical issues, yet they have turned a blind eye. Ive also tried to trade in the vehicle elsewhere, only to be told it is in poor condition and worth far less than what I paid. Some dealers refused to even consider it. 

I feel helpless and taken advantage of. The dealership has my trade-in vehicle, and I no longer have the car they sold me, yet the debt remains in my name. I also discovered that it has been reported that I made payment in XXXX and XXXX, but my first payment wasn't due until XXXX and I had returned the car before the first payment due date. I had to take out another loan just to purchase a working vehicle and continue daily life. 

Please, I am sincerely asking for your help. I am emotionally and financially drained, and I do not know where else to turn. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX : Customer Service / Disputes Department XXXX. XXXX XXXX XXXX, VA XXXX Re : Request for Removal of Charge-Off from Credit Report Account # : XXXX To Whom It May Concern, I am writing regarding the charge-off reported on my account referenced above. I did not receive any written notice informing me of this charge-off prior to it being reported to the credit bureaus. 

XXXX XXXX XXXX XXXX failure to provide timely written notice violates : Regulation Z of the Truth in Lending Act ( TILA ), which requires creditors to notify the consumer within 30 days after charging off the debt ; The Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting to credit bureaus and proper consumer notification ; The Fair Debt Collection Practices Act ( FDCPA ), if applicable, which requires debt collectors to send a written notice within five days of first contact. 
Because of these violations, I respectfully request that XXXX XXXX XXXX XXXX remove this charge-off from my credit report. Please provide written confirmation once this has been done. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears/CBNA ( Citibank ) illegally reported Account # XXXX as a " charge-off '' to XXXX XXXX XXXX XXXX without validating the debt or complying with federal law. I sent XXXX dispute letters via certified mail ( XX/XX/XXXX ) demanding : Proof of debt ownership under FDCPA 809. 

Evidence of XXXX billing statements ( 15 U.S.C. 1666b ). 

The " negative information notice '' required by FCRA XXXX ( a ) ( XXXX ). 

Sears/CBNA ignored all requests and failed to : Investigate the dispute ( FCRA 611 ( a ) ).

Mark the account " DISPUTED '' on credit reports ( FCRA 623 ( a ) ( 3 ) ). 

Provide legally required documentation. 

Their willful non-compliance has damaged my credit. I demand immediate deletion of this account and cessation of reporting.

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 2025-07-31 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation