vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
on XX/XX/2025 around XXXX XXXX  I went online to capital one credit card to look in to an advertised card of XXXX interest 15 months-XXXX  air miles if XXXX used in XXXX  days-no annual fee called XXXX XXXXXXXX XXXX  for excellent credit-my XXXX  was XXXX filled out the form which stated no damage to credit score for filling out -- i was pre approved but the next step stopped me it showed a credit card with 29 percent interest -- i closed browser and looked up capital one telephone number i called and the computer voice directed after XXXX minutes of trying to get a sales rep to the XXXX girl assured me she could help-I answered the exact same question the form used and I asked her to be sure of the card offred was what I wanted -yes and yes-she asked if I wanted tp apply for that card -yes-OK DONE -- she said they would contact me-at XXXX XXXX XXXX  alerted me via email a credit check had been made on me-i went online to see and found my XXXX  was then XXXX -- ok no problem -- i never received an email from Capital One so last night XX/XX/XXXX around XXXX XXXX I went online to find what was going on with Cap one -- I got the same page which stated at the bottom if I had recently applied for credit it would share that info not go further ok i filled out the form-the next thing knew was I was approved for a credit car with XXXX percent interest click here for status-i received an immediate XXXX XXXX XXXX XXXX email from cap oe saying credit card would be received in XXXX days etc and click here form XXXX of info that showed XXXX  of XXXX average credit XXXX percent no extras period-i called cap one asked for an XXXX  got a guy in XXXX XXXX  who gave me a run around and basically refused to help and just started talking gibberish til i hung up -- -pease help I think the XXXX  was a divert scam and my credit score has been destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This debt does not belong to me I have no idea where this is coming from. They dont have my ssn and it doesnt show on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have been having issues with my login and unfreezing my credit report Experian I tried to fix this via the web, but their 2-factor identification is not working for my account, and I can not get ahold of an actual person to discuss 1. unfreezing my account and/or 2. helping with the login to the website so that I can do it myself.

I have spent XXXX hours on the phone and computer bouncing between an automated phone tree that will not give me any new or helpful information and one of your operators that " can not " direct me to a supervisor or specialist that can help to rectify this issue. 

My inability to communicate this company on these two simple issues is unacceptable.

Help with the issues above would also be appreciated. 

Thank you for your time,

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 2025-06-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, I know this probably goes nowhere. My credit score got donked up. My mom told me on XX/XX/XXXX ( the last noted drop in my credit score that i got from email and on experian ) that she took me off the credit card. She took me off of something on the website. She never took me off the card by calling. I called when i noticed an unmentioned drop. I managed to remove myself but the credit drop exists. Is there anyway for that to go back up since nothings noted anywhere on how or why this drop happened? Experian never allowing us to contact a person about this needs to be illegal. There needs to be a way to put the numbers back up manually when a family member makes a mistake. My mom died recently and why i needed to check to see about her messing up. Experian needs to be fixed. Either that or the government needs to get sued.

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 2025-06-12 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am a victim of identity theft. In XXXX, I discovered that fraudulent accounts were appearing on my XXXX  credit report, including XXXX XXXX ( opened XX/XX/XXXX, {$430.00} ) and Bank of America ( opened XX/XX/XXXX & XX/XX/XXXX, {$830.00} ). I did not authorize these accounts and have never had legitimate relationships with these creditors under the account numbers listed. 

In XX/XX/XXXX, I submitted a formal identity theft report to XXXX  pursuant to FCRA XXXX, including my FTC Identity Theft Report ( Report # XXXX ), a sworn statement, and identification. Despite receiving all required documentation, XXXX  failed to delete or block the fraudulent XXXX XXXX and Bank of America accounts within the required four business days, as mandated by law. 

Instead of a resolution, I received vague and contradictory communications and was forced to submit multiple follow-up requests. As of the date of this complaint, Experian has refused to properly investigate, verify, or block the accounts and continues to report themcausing me harm, including a lowered credit score and denials of credit.

This is a clear violation of FCRA 605B and 1681i, which require prompt investigation and blocking of information resulting from identity theft. XXXX conduct appears willful and evasive, and I request immediate enforcement action and removal of the fraudulent XXXX XXXX and Bank of America accounts.

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 2025-06-12 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:
This letter serves as a formal dispute of accounts appearing on my credit report that I did not initiate. These accounts are fraudulent and must be removed in accordance with 15 U.S.C. 1681g. Please act within 15 days as required by law. Supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
Filed a dispute with XXXX  on XX/XX/year> asking for info about a collection account asking for an itemized bill or verification of debt info. No info was provided after 30 days the account was marked as accurate but didnt provide info. I called XXXX  to make sure that documents would be sent verifying and they stated it would but have not sent me any info just marked it as accurate. I feel XXXX didnt investigate the debt just took the word of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently called Capital One on XX/XX/XXXX to discuss the inaccurate accounts under my name, there are two accounts and both have late fees that were added after the account was closed and they claimed I did not pay a deposit for the account when it was opened in XXXX. They refused to take out late fees and stated I never paid a deposit, but I have proof that I did pay a XXXX deposit for the secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: American First Finance, Inc.
State: MI

Complaint narrative:
On Monday XX/XX/scrub>, 2025, I received a statement in the mail from American First Finance stating that I owed {$3300.00}. I contacted American First Finance to inquire about this statement. I asked them what their company provided and why did I receive this statement, because I was not familiar with their company nor have, I ever done business with them. It was explained that they do cash loans and lease to own agreements. They explained that furniture was ordered from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, PA XXXX. I explained that I have never done business with this furniture company and did not purchase anything from them. I never received any merchandise from XXXX XXXX XXXX XXXX. I explained that someone used my personal information to open up this account and sign a contract on XX/XX/year>2025. This is identity theft. Someone used a previous phone number and bogus email to start this account. Also, the bank account used through XXXX  XXXX XXXX was fraudulent. The contract was docu signed fraudulently. I have submitted a dispute to American First Finance fraud department. I have contacted the three credit bureaus to file a dispute ( XXXX XXXX, XXXX and XXXX  ) and to place security freezes on my reports. I have also contacted XXXX XXXX, which is a credit reporting agency that American First Finance uses to dispute this charge and account and placed a freeze on that report as well. This fraudulent account with American First Finance appears on my reports with XXXX XXXX and XXXX XXXX. I have filed a police report with my local district and also filed a Identify theft report with the Federal Trade Commission. I am requesting that this account with American First Finance be investigated, closed and removed from my credit reports with XXXX XXXX and XXXX XXXX because I do not owe them any money. Please let me know if any additional information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-12 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: FL

Complaint narrative:
I am writing to formally dispute late payment information being reported on my Equifax credit file. I am requesting that the following accounts be reviewed for accuracy and that any inaccurate or unverifiable late payment history be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Accounts in Question : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Creditor : DXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Please initiate a reinvestigation of the payment history for these accounts. If the reported late payments can not be fully verified with accurate and original documentation, they should be removed or corrected. I also request that you send me a written summary of the results of your investigation, including the name and contact information of the furnisher of the information and how it was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
This is a follow-up to a previous complaint I submitted regarding Navy Federal Credit Union and the mishandling of protected VA education benefit funds. 

On XX/XX/XXXX, the bank processed a Savings Adjustment Debit for {$1100.00} from my savings account, which held XXXXXXXX XXXX XXXX ( XXXX  XXXX ) housing stipend funds deposited by the VA in XXXX. 

This was done without notice or my authorization, and Navy Federal previously told me that the funds could not be accessed or returned without a VA recall. Now theyve removed the money without explanation. 

These were federally protected VA education funds under 38 U.S.C. 5301, and I am requesting a full investigation into the seizure and handling of these benefits. I have screenshots documenting the transaction and prior bank communication. 

Previous CFPB complaint number : XXXX This submission is intended as a continuation of that issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Just got off the phone with XXXX XXXX and they sent me a letter showing my current balances on both of the accounts I have with them after I told them my accounts are showing incorrect balances on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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