vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-07-21 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
* I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I requested XXXX XXXX payments from MoneyLion, XXXX for {$100.00}, another for {$10.00}. The confirmation emails I receive stated that my repayment amounts were {$100.00} and {$10.00} respectively, and I make a deliberate effort to ensure that I do not consent to tipping MoneyLion, and verifying the repayment amounts on the confirmation screens. The emails also state " Please note that the repayment amount includes any tips and fees '' so I lead to believe I was in the clear. 

On XX/XX/year>, I receive a confirmation email that a {$110.00} repayment was successfully made, and I see the charge made to my debit card. 

On XX/XX/year>, I receive a confirmation email that a {$1.00} repayment was made, and I see the charge made to my debit card. 

The {$1.00} repayment confused me as I had not recalled consenting to it. 

I contacted MoneyLion support over chat on XX/XX/year>, and the support representative, XXXX, tells me " After revieiwng your account, it appears that the additional charge was a tip included in your XXXX request made on XX/XX/year> ''. XXXX also stated " We're really sorry, but you haven't included to pay the {$1.00} on your previous repayment last XXXX, that's why the system automatically collected it last XXXX ''. Although I didn't press on it at the time, this was really odd as these loan repayments were automatically debited from my card, I did not have control over the exact amount and timing of these charges ( nor did I remember consenting to them, or have any confirmation of consenting to them ). I'm concerned XXXX 's statement may imply that MoneyLion is collecting " tips '' from users without their consent when they " haven't included to pay '' it. 

XXXX stated they " are unable to refund [ the tip ] as it was already paid '', despite me telling them that the fact that the receipts I received implied I didn't set a tip and thus I didn't have a chance to correct such an error, if it did occur. 

I continue to press on for them to investigate why my confirmation emails had inaccurate information in them. XXXX states that they'd " be working on this personally '' and would " provide an update for [ me ] in XXXX hours to [ my ] email address on file '' under reference number XXXX. 

It's been well over XXXX hours and I have not heard any updates about this investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KSXXXX  Date : XXXX Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account No. XXXX To Whom It May Concern : I am writing to request validation of the debt referenced above, in accordance with Section809 of the Fair Debt Collection Practices Act ( 15U.S.C.1692g ( b ) ). This letter is sent within XXXX  days of your initial contact. Until you provide the requested validation, you are required to cease all collection activities, including reporting this debt to credit bureaus Please provide the following : The exact amount owed ( including itemized interest, fees, and principal ).

The name and address of the original creditor.

A copy of the original contract or signed agreement showing my obligation.

A full payment history, including the date of last payment.

Verification that you own or are licensed to collect the debtplease include your collection license number, issuing authority in Kansas, and your certification A statement detailing whether this debt is within the statute of limitations, and your legal basis. 

Documentation of your authority to collect, such as assignment records or purchase agreements. 

Until you have mailed me the above verification, you must pause all collection efforts and communications, and you may not report or continue reporting this debt This is not an admission of liability, but a formal exercise of my rights under federal law. If you can not validate the debt, you must permanently cease collection efforts and correct all reporting to credit agencies. 

Please mail the requested documents to the address above via certified mail with return receipt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$240.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed that Home Depot pulled my credit report and subsequently sent me a letter to my email address listing " application details. '' It seems like someone applied a credit card using my identity with Home Depot Citi

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 2025-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified several items that are being reported either with inaccurate or unverifiable information, or are being reported without my knowledge, authorization, or ongoing consent to share my personal identifying information ( PII ).

PII PRIVACY VIOLATIONS GRAMM-LEACH-BLILEY ACT I hereby invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) and federal PII protections.

My personal dataincluding my name, Social Security number, address, and credit historyhas been furnished, stored, and shared without my express or continuing consent. Pursuant to FCRA 604 ( a ), I am now formally revoking any prior authorizationwhether express, implied, or assumedfor the reporting, sharing, or dissemination of my data by you or any party
furnishing this information to your agency. This revocation also applies to any affiliate, data broker, third-party vendor, or downstream repository to whom you have sold, transferred, or otherwise shared my personal information. Any continued use or transfer of my datadirectly or indirectlywill be treated as an unauthorized disclosure and breach of federal privacy law.

FCRA VIOLATIONS & REPORTING DUTIES Pursuant to : FCRA 1681e ( b ) You are required to ensure the maximum possible accuracy of all consumer data FCRA 1681i ( 5 ) If an item is inaccurate, incomplete, or unverifiable, it must be promptly deleted 1 of 6 Your failure to act accordingly constitutes a violation of these federal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LEXISNEXIS
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX LexisNexis Risk Solutions XXXX XXXX XXXX. XXXX 933 Dayton, OH XXXX Re : Identity Theft Dispute Case File Date : XXXX Dear Sir or Madam, I am writing to formally dispute multiple unauthorized and inaccurate entries appearing in my LexisNexis consumer report. I am a victim of identity theft, and the items listed below do not reflect any transactions or inquiries I have made or authorized. 

Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally required to block all information resulting from identity theft within XXXX ( XXXX ) business days of receiving this notice. This includes notification to any data furnishers to cease reporting the fraudulent information. 

The disputed entries include : A drivers license violation ( Case # XXXX, Ticket # XXXX, dated XX/XX/XXXX ) with a conviction and an invalid resolution date of XXXX, suggesting incomplete or false reporting. 
Multiple unauthorized inquiries labeled as Written Consent Prequalification ( e.g., XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ), for which I never gave consent. 
Repeated and excessive inquiries from the same furnishers during a short timeframe, indicating possible misuse of my personal information. 
Unauthorized disclosures of my personal data for insurance underwriting ( e.g., XXXX, XXXX XXXX XXXX XXXX ) and employment screening ( e.g., XXXX XXXX XXXX ), all made without my knowledge or consent. 
A suspicious collection-related inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, which I believe to be unauthorized and potentially harassing. 

I formally request the following : XXXX. Block and remove the fraudulent data listed above within XXXX ( XXXX ) business days, as required by XXXX XXXX. XXXX. 
XXXX. Update my address on file to : XXXX XXXX XXXX XXXX, LA XXXX XXXX. Provide written confirmation of the following : That the above fraudulent items have been blocked or removed. 
That my address has been updated in your system. 
That I have been opted out of all non-essential and non-permissible data sharing or marketing programs. 
That a security freeze or any available fraud alert tools have been applied to my file. 
A complete, itemized copy of all data currently reported on me, including all inquiries, public records, account information, and any XXXX-party disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had a deposit for {$500.00} into my chime checking account which brought my balance to be {$500.00} as of XX/XX/2023. Chime emailed me and said that my account was being closed due to not complying with the terms of the deposit account agreement. I asked them what that meant and what was the exact terms of the deposit account agreement that was broken and they never responded to answer my questions. They never sent me the check in the mail and I never was told no matter how many times I have called about my account. As well as they said that my account had. {$0.00} balance with is not correct and I have email verification where I got my deposit on the XXXX but because it was a XXXX  it wouldnt be available until the next business day which would have been XX/XX/2023. Well I wake up the next day just to see my emails from chime stating that my check, savings and XXXX XXXX accounts was all closed so what did I do I emailed them several emails that day asking why my account was closed and what exactly it ment and never got why and have never received the check. I have further more now gave up on getting the money bc I no longer could get into that email connected to my chime account nor had the phone number connected to it. Well here I am today and about XXXX XXXX  ago I called chime about my account bc its been closed and they tell me that I had a XXXX $ account balance and that they dont know why the account was closed and that I wont be able to open a new account with them. So basically im here today bc I have found my emails and now have proof that chime closed my account and I had funds in it that they have not gotten back into my passion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
CapitalOne does not let you formally lodge complaints unless you call them and speak to a person. If you need to update personal information, they FORCE YOU to FAX it or PHYSICALLY MAIL IT. Who in their right mind is sending their physical ID or social security card in the mail to a credit card company? The federal government wouldn't even have me do that. My bank wouldn't ask me to do that. It's XXXX, this is insane. You can cancel your entire account or card in XXXX click, but you can't formally complain unless you speak to a person on the phone, or update your legal information unless you physically mail important private identifying documents. I will never trust them with my money again, and you shouldn't either. I called them on XX/XX/year>, to update my name as I legally changed it. They first asked why I changed my name, which I think is a personal question that they shouldn't have been asking in the XXXX place, and then told me it was either physical mail or fax, or I wasn't allowed to have my name changed in my account. They have lost my business for good. I was considering opening up a checking account with them soon, and have completely lost interest in doing so. CapitalOne does not respect its clients. I will be staying loyal to my current bank. By the way, conveniently for CapitalOne, if you need to close your cards or account, which can have a long-term impact on your credit score, you can do that through a livechat XXXX, but if you have any real problem, you must call during business hours or jump through multiple hoops that the literal government wouldn't even make you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
I received an ad in the mail that I was pre-approved for a XXXX credit card through Concora. Was curious so I applied it immediately approved me, said it would send me a card, but never gave me a choice to confirm or deny wanting the card. So I made an account to sign into the website, and there is no option to cancel the card/account, no email or contact option other than a phone number that is answered by some weird automated female voice talking about a medical bracelet. when I try to speak to a rep, or a human, it hangs up. Theres no way for me to cancel the card or account. I havent yet received the card in the mail or physically activated it, so it may not be a problem. But Im not sure. I dont know if making an account on the website somehow activated the card? And they charge monthly and annual fees too. I do not want this card. Upon researching online, I see MANY people had the same or worse issues with this card and company.

Company response to consumer: Closed with explanation