vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
Several companies have accessed my credit report without my authorization, directly harming both my credit and credit score. I previously raised this issue with the credit reporting agency, and a representative assured me these unauthorized inquiries would be removed. Despite this, they remain on my report. These inquiries are unauthorized, potentially fraudulent, and raise serious concerns about identity theft. 
This matter is not only unacceptable but also damaging to my financial reputation and mental well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a loyal customer of Capital One for 6 years with a secured credit card. My account has never had late payments, no derogatory marks, no over-limit balances, and I maintain a perfect credit score with overall excellent credit history. 

Despite meeting all stated qualifications for graduation to an unsecured credit card ( as listed in Capital Ones own terms and in standard industry practice ), my account has remained secured with only a {$200.00} credit limit for over 6 years.

I have repeatedly contacted Capital One requesting clear guidelines on what criteria I must meet for graduation to unsecured status or for a proper credit limit increase. Each time, I have received vague responses stating that my account is reviewed periodically and decisions are made automatically, without giving me actionable feedback or fair consideration.

This practice is deceptive and unfair, as it negatively impacts my credit growth and use of my own credit profile. I am formally requesting : 1.Graduation to an unsecured credit card 2.A proper credit limit increase review 3.Clear written explanation of what criteria I am failing to meet, if any which I strongly believe I am not This practice is now directly impacting my ability to build and strengthen my credit profile. Because the card remains secured with only a {$200.00} limit after 6 years of perfect history, it does not meaningfully contribute to my credit utilization, limits my ability to grow my overall credit profile, and creates an unfair choice : either keep a low-limit secured card that no longer serves my financial goals, or close an aged account and risk damaging my credit age. This has slowed my ability to progress financially, despite doing everything right as a customer.

It is unacceptable for a financial institution to keep an account in secured status for 6+ years despite good standing and to refuse to provide transparency in its credit practices. I am requesting CFPB assistance in having this properly reviewed and resolved. 

I have provided my drivers license, proof of address, and my credit report showing my perfect credit history with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against TransUnion for reporting incomplete and inaccurate information regarding an account listed as : XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX This account is in violation of the Fair Credit Reporting Act ( FCRA ) due to the following : 1. The account does not list a full or verifiable account number, making it impossible to properly validate or identify.

2. There is no evidence provided by TransUnion or the creditor showing that I was ever late on this account or that the reporting is accurate.

3. TransUnion has failed to pro
vide the method of verification, which I am entitled to under 15 U.S. Code 1681i Procedure in case of disputed accuracy.

Additionally, this reporting appears to violate : 12 CFR 1026.11 Treatment of credit balances ; account termination 15 U.S. Code 1666b Timing of payments As a consumer, I have the right to a full reinvestigation of this account and to be provided with the method of verification, including the name of the person or system that confirmed the accuracy of this data. Failing to provide that constitutes a violation of federal law.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account total XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
I am filing this complaint against Equifax because there is an unauthorized hard inquiry on my credit report that I never approved, initiated, or consented to. This inquiry is impacting my credit profile and was conducted without any permissible purpose under the law. 

The inquiry is as follows : XXXX  XX/XX/year> I did not apply for credit, an auto loan, or any financial product with XXXX  on or around that date. I have never interacted with this company nor granted them verbal or written authorization to pull my credit file. 

This inquiry was made without my consent and is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ) [ 15 U.S. Code 1681b ], which states that consumer reports can only be accessed with a valid and permissible purpose and usually with the consumer 's authorization.

I submitted a formal dispute to Equifax requesting the deletion of the inquiry and asked for documentation proving I authorized it. However, Equifax has failed to provide any supporting documentation or remove the inquiry.

What would you like the company to do to resolve your issue? 
I am requesting that Equifax : Delete the unauthorized inquiry from XXXX dated XX/XX/year>. 

Provide me with written documentation showing proof of my authorization, if any. 

Ensure full compliance with the FCRA by conducting a reinvestigation and notifying me of the outcome within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: OH

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX, OH XXXX Summit A.R  XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : This is concerning Account Number : XXXX previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation.

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Ohio ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
Dear XXXX XXXX XXXX  : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Edfinancial Student Loans

- {$90000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Identity Theft Affidavit Written Statement A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2025-06-17 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: NY

Complaint narrative:
Dear XXXX XXXX XXXX  : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Edfinancial Student Loans

- {$90000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Identity Theft Affidavit Written Statement A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received an alert on XX/XX/XXXX XXXX2025 that a collection agency furnished again fraudulent personal information on my credit report stating that my address is in XXXX XXXX, FL which Ive never lived in XXXX XXXX, Florida with an account thats not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kikoff Inc.
State: CO

Complaint narrative:
I am submitting a follow-up complaint against Kikoff Lending LLC . I initially filed with the CFPB on XX/XX/XXXX, regarding their furnishing of materially inconsistent and inaccurate data to XXXX XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) XXXXs-2 and XXXXi. 

Since then : Kikoff has failed to correct or delete the account ; Their response to my CFPB complaint was a generic form letter, failing to address any of the specific discrepancies I documented ; As of XX/XX/XXXX, XXXX  has marked the account as updated but the data remains internally inconsistent and materially misleading ; Kikoff has not explained or verified how such conflicting information can legally be reported across the XXXX bureaus. 

Discrepancies Still Present : Opening Date : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( XXXX ) Account Type : Charge Card ( XXXX ) XXXX. XXXX XXXX XXXX ( others ) Balance : {$30.00} ( XXXX ) XXXX {$0.00} ( others ) Status : Charged Off ( XXXX ) XXXX XXXX XXXX On-Time or Paid by Collateral ( others ) Kikoffs response ignored my specific FCRA citations, failed to provide any verification or supporting documentation, and clearly shows a willful failure to correct or investigate under XXXXs-2 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-17 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: DC

Complaint narrative:
violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ) by XXXX, specifically regarding the disclosure of my nonpublic personal information to nonaffiliated third parties. 
It appears that XXXX disclosed my nonpublic personal information without providing me with a clear and conspicuous revised notice, a new opt-out notice, or a reasonable opportunity to opt out of the disclosure, as required by law. 
I request that the CFPB investigate this matter and take appropriate action to ensure that my rights are protected and that XXXX complies with the GLBA regulations.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I previously submitted a dispute to XXXX  regarding my MoneyLion accounts. 
Account Loan XXXX, which was paid in full. Despite providing a letter to XXXX  responded stating that no changes would be made to my credit report. Additionally, it has now been since XX/XX/year> the account was paid in full, and MoneyLion has yet to update the credit bureaus to reflect this. I am requesting that my credit report be updated accordingly to show this account as paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
This account was taken from someone else that use my identity to get this account, I told the company this is affecting my credit score, and they said they will gather information to validate this account. I have not received anything yet, and this account still is showing on my credit report. 
Please I need this account to be out of my credit report, it is affecting pretty bad. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out to Equifax over XXXX  months ago to have them fix this issue that I could not see my credit report online it says XXXX, it looks like the profile is split so I already sent im my info and they still haven't fixed anything im very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I've submitted payment in excess of statement charges, which should result in no interest charges. However, the company decided to apply those payments to promotional charges instead of my active purchases balance, which is not in line with the details on their website or any outlined Terms and Conditions they have on the Promotion Terms and Conditions.

I've called the company to try and resolve the misallocation of balances, but they told me their system is set up this way and can not be changed, and so that I will be charged interest even though the Terms and Conditions are outlined differently.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My credit card was lost/stolen. I reported this immediately as soon as I noticed it was lost/stolen. Unfortunately, there were XXXX  unauthorized transactions on my credit card which I reported immediately on XX/XX/XXXX. However, TD bank is refusing to remove these XXXX unauthorized charges from my Credit card account. This is troubling because I was told I have a zero dollar fraud liability guarantee on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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 have contacted the credit bureaus to help me create fraud alerts on my account and that did happen but also needed assistance in removing these accounts and inquiries that do not belong to me. I am a victim of identity theft and It is hindering me. Some of which there are addresses, inquiries, collections and accounts along with addresses I've never lived at including but not limited to the state of Georgia. I am a resident of Texas and my address has been XXXX XXXX XXXX in Texas city Texas XXXX. My only occupancy is " XXXX the Stylist '' INACCURATE ADDRESSES : - XXXXXXXX XXXX XXXX, XXXX, GA - XXXX XXXX XXXXXXXX XXXX XXXX, GA - XXXX XXXX XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX Texas XXXX, TX - XXXX XXXX XXXX, XXXX XXXX, TX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX INCORRECT EMPLOYMENT : - XXXX XXXX XXXX - Texas Department of Criminal Justice ( TDC ) NEGATIVE ITEMS TO BE DISPUTED : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : * XXXX - {$350.00} Collection - XXXX  XXXX -Account Number : * XXXX days late, {$620.00} past due - XXXX XXXX XXXX XXXX XXXX Account Number XXXX * XXXX - XXXX days late, {$1400.00} past due - XXXX XXXX  XXXX ) - Account Number XXXX * XXXX days late, {$370.00} past due - XXXXXXXX XXXX XXXXXXXX ( XXXX ) -Account Number : * XXXX XXXX XXXX {$570.00} - XXXX  XXXX XXXX -Account number XXXX Paid/Closed, previously XXXX  days late XXXX XXXX XXXX  - Account Number : * XXXX |Open account, {$610.00} past due UNAUTHORIZED HARD INQUIRIES : - XXXX  - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation