vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$200.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$540.00} XXXX XXXX - Account Number XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$560.00} Inquiries XXXX  Date : 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 2025-06-05 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: GA

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$200.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$540.00} XXXX XXXX - Account Number XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$560.00} Inquiries XXXX  Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
daily through email and {$2800.00} owed spring oaks capital debt collector bought through XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I was approved for a Capital One Venture Card on XX/XX/year>, which included a public offer of XXXX miles if I spent {$5000.00} within the first 3 months. I applied with the intention of meeting this minimum spend. 

Immediately after approval, Capital One restricted the card for fraud review. I fully complied with multiple requests for identity verification, including submitting : My government-issued ID Social Security card Three months of bank statements Proof of address Multiple phone and online verifications Despite all this, the account was never unlocked, and after more than a month of delays, Capital One canceled the card without explanation. Worse, the card had already been reported to all three credit bureaus, creating a new account and hard inquiry on my credit profile, even though I was never allowed to use it. 

Now Ive lost access to the 100,000-mile sign-up bonus through no fault of my own. This has caused undue stress, potential credit score harm, and denial of the promotional benefit I was approved for.

This experience was unfair and misleading. I complied in good faith and was penalized despite doing everything right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Services has called me multiple times since XX/XX/XXXX, without leaving a message, or identifying what they want. They have had no other communications with me by mail or any other method. Since XX/XX/XXXX ( the farthest back my personal records go ), they have called me at least forty-three times. The one time I spoke to them ( the other calls I either let go to voicemail or I declined ), they claimed that I owed medical debt, but did not say from where. They are unethical, harassing, and a disgrace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NH

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. I am filing this FTC Identity Theft Affidavit to report fourteen fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also include an auto lease opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an unsecured loan opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX Additionally, fraudulent collection accounts were opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX and XXXX XXXX IN on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
This is an update to a previous report XXXX XXXX XXXX XXXX XXXXXXXX I am a victim of identity theft. I submitted an identity theft affidavit, proof of identity, and supporting documents showing that I am not the owner of the XXXX account being reported by Experian XXXX XXXX XXXX response included account details with a phone number, email, and address that are not mine. Under FCRA XXXX, the bureau is required to block and remove inaccurate accounts within XXXX business days. A phone call is not sufficient verification. Please delete this account immediately.

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 2025-06-05 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: GA

Complaint narrative:
I am a victim XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$9400.00}

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 2025-06-05 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: MI

Complaint narrative:
This is an update from previous complaint XXXX XXXXXXXX I am a victim of identity theft. I submitted an identity theft affidavit, proof of identity, and supporting documents showing that I am not the owner of the XXXX account being reported by XXXX XXXX Equifax. XXXX response included account details with a phone number, email, and address that are not mine. Under FCRA XXXX, the bureau is required to block and remove inaccurate accounts within XXXX business days. Per XXXX XXXX compliance / FCRA a phone call is not sufficient verification. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of XXXX XXXX XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Ally is posting a balance on my account but its been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am writing to file a formal complaint regarding XXXXXXXX XXXX handling of my newly XXXX XXXX account and the associated welcome bonus. 

On XX/XX/year>, I successfully opened a Capital One XXXX  account and applied a XXXX XXXX  code during the application process. After opening the account, I did not engage in any unusual activity I merely attempted to transfer funds into the account to meet the requirements for the XXXX bonus. 

To my surprise, I soon received an email informing me that my account had been XXXX I promptly contacted Capital One customer service and was told that my account was XXXX  due to unspecified security reasons and that the bank had decided to end its business relationship with me. 

I find this deeply concerning and unfair. I had not yet received the physical XXXX card, and I had not performed any suspicious or improper actions. It appears that Capital One XXXX be using vague security justifications to deny me the XXXX bonus I was promised, without any clear explanation or opportunity to rectify the situation. 

Moreover, they have since refused to allow me to open any XXXX  accounts with them, despite my having a strong banking history and positive relationships with multiple other financial institutions. 

I respectfully request that the CFPB investigate this matter and help ensure that consumers are not being unfairly denied promotional offers or subjected to XXXX account XXXX without valid and transparent reasons. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] [ P.O. XXXX XXXX ] [ XXXX, Texas XXXX ] Subject : Dispute Regarding Reinsertion of Negative Item on Credit Report XXXX XXXX Code XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) Dear [ Experian ], I am writing to formally dispute the reinsertion of a XXXX item on my credit report. As outlined in XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( ii ) ( iii ), once a XXXX item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted XXXX item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ Credit First XXXX A ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ] I request that you provide documentation verifying that the XXXX  information was properly reinserted in accordance with the requirements of XXXX XXXX Code XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within XXXX days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX ] [ XX/XX/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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are XXXX  accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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