vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: SunTx Capital Partners
State: TX

Complaint narrative:
XXXX XXXX has a debt on my credit report that does not belong to me. Account opened XX/XX/year>, {$25000.00}. Disputed the account as identity theft but the company did not respond.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
Public law XXXX, XXXX VI, XXXX XXXX, subsection A-D. I demand that you provide actual PROOF that the information was verified, not a computer generated confirmation. the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( FDCPA )

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 2025-07-11 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: TN

Complaint narrative:
Public law XXXX, XXXX VI, XXXX XXXX, subsection A-D. I demand that you provide actual PROOF that the information was verified, not a computer generated confirmation. the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a police report and identity theft report as told do so by XXXX of the bureaus. I submitted them along with my ID, proof of address and a letter to each bureau. In my letter I documented correct personal information such as my address as well. 
Transunion sent an email a week later stating they needed my proof of address so I resubmitted it online with an agent who said theirs all they needed walked me through it. After another week they said they couldnt add a fraud alert or complete my investigation because they were missing my identity theft report and police report. I messaged with them through a chat feature and they said I need to resubmit everything for a new investigation. Equifax has not responded and Experian also claim by email they have not received my ID. I am still getting inquiries and seeing collection accounts show up on my credit report. I am extremely upset that they continue to allow any and everyone to place things on someones report without proof of ownership. 
The police report I submitted outlines with proof that someone has stolen my ID, XXXX as well as my birth certificate. The fact that the bureaus can ignore this with XXXX consequences is alarming!! I dont know how they benefit from erroneous reporting but its clear they do or they just dont care.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( XXXX ). 
Specifically, Cash App failed to take timely and effective action to prevent and address fraud on their platform. This left my account vulnerable and unprotected. Furthermore, their dispute resolution process was both unfair and deceptive. They did not comply with proper error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX As a result, I experienced significant inconvenience and financial loss. I am seeking appropriate redress for these issues and request an investigation into Cash Apps practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-11 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX XXXX XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Bank of America XXXX  ending XXXX was charged {$650.00} on XX/XX/year> by XXXX XXXX XXXX ( FL ). 
I never stayed at the hotel and did not authorize that charge ; the actual guest, XXXX XXXX, paid the bill in cash at the front desk. 
I filed a dispute with Bank of America on XX/XX/year>. The bank denied the dispute on XX/XX/year>, saying I did not prove the bill was paid another way Key evidence ( attached ) XXXX. XXXX XXXX shows XXXX cash payment XXXX. Hotel log screenshot clerk typed guest extended XXXX more nights, but there is no card swipe or signature for my card. 
XXXX. Signed statement from XXXX XXXX confirms he was the guest and my card was only supplied for a {$75.00} refundable incidental hold. 
XXXX. Denial letter from Bank of America ( XX/XX/year> ) Under XXXX XXXX XXXX and Visa reason code XXXX ( Paid by Other Means ), Bank of America must reverse a charge that is duplicated or unauthorized. 
The merchant can not produce a signed receipt or chip-read for the {$650.00}, and the XXXX  proves the bill was settled in cash. 
I provided all evidence to Bank of America, but they still refuse to correct the error

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 2025-07-12 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1100.00} Late Payment * * Law Violation : FCRA 1681s-2, 1681e ( b ), and CFPB Reporting Requirements The reported late payment is inaccurate and misleading.

Story : I have no record or valid recollection of missing payments on this account. No proper notice of default or delinquency was ever received. This error is affecting my creditworthiness and must be deleted immediately. 

These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made

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 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
I Applied for a Loan Depot XXXX? Have Done this Before but for some Reasons They got me Confused? And Took To Long To Process Everything? So I Applied With XXXX XXXX XXXX for a XXXX  LOAN and They Process Everything within XXXX We was Happy Now Loan Depot call me And XXXX I Got The XXXX  LOAN APPROVED AND I TOLD THEM I GOT A XXXX  LOAN? 
And I cant pay for XXXX Loans? So I asked Them to Send the XXXX  MONEY BACK l Was Talking To The XXXX XXXX XXXX AT Phone Number ( XXXX ) XXXX But he Stopped Answering My Calls So I Am Asking For your Company Help? My Name is XXXX XXXX ( XXXX ) XXXX or XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
i sent in a report to the CFPB on XX/XX/year> for experian having wrong items on my credit report and a XXXX  XXXX  responded asking for authorization

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 2025-07-11 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: FL

Complaint narrative:
I am contacting you with serious concern regarding multiple credit inquiries that I did not authorize. Applications appear to have been submitted using my identity without my knowledge or consent, and these companies accessed my credit report unlawfully. This activity is fraudulent and has directly harmed my credit score. 

I previously reported this issue and was informed by a representative that the inquiries would be removed. However, they still appear on my report, and the continued inaction is causing significant and unnecessary stress.

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 2025-07-11 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: MA

Complaint narrative:
There are inquiries listed on my credit report that I do not recognize. I never applied to these companies, nor did I give any form of consent for them to access my credit file. This unauthorized activity is a serious violation of my consumer rights and only adds to the stress Im already dealing with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing a complaint against Capital One regarding a charged-off credit card account listed on my credit report with a balance of {$430.00} and an original credit limit of only {$300.00}. The account was opened on XX/XX/XXXX and charged off with a past due balance as of XX/XX/XXXX. 

I previously submitted a formal dispute regarding the accuracy of the reported balance, status, and charge-off representation. However, I was not notified of the outcome of the investigation. No documentation, email, letter, or communication was ever sent to confirm whether my dispute was reviewed or resolved. This is a violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 6 ) ( A ), which requires furnishers and credit reporting agencies to notify consumers of the results of an investigation within XXXX business days of completion. 

This failure to notify me of the outcome of my dispute leaves me with no way to confirm if the investigation was properly conducted, if any documentation was reviewed, or if any corrections were made. I find this lack of transparency unacceptable, especially given the disputed balance exceeds the original credit limit with no itemization of charges, fees, or validation of how that amount accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/year> with a balance of {$27000.00} * * and a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) reported on XX/XX/year> with a balance of {$7100.00} * *, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include auto loans opened at XXXX XXXX on XX/XX/year> ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} ) and XXXX XXXX on XX/XX/year> ( Account : XXXXXXXX XXXX XXXX XXXX, {$7100.00} ). These accounts have resulted in multiple fraudulent hard inquiries and collections on my credit report. I demand that these fraudulent items be immediately removed from all of my consumer credit reports and that any related collection activity cease, in accordance with my rights under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
On XX/XX/year>, my Capital One credit card suddenly stopped working. When I contacted Capital One, I was informed that my account had been frozen pending identity verification. I was told that a request for verification documents had been mailed to me in XXXX. However, I never received any such correspondence. During that call, a representative agreed to send me the identity verification request via email instead. 

Shortly after, I received a DocuSign form from Capital One requesting that I submit a copy of my drivers license and Social Security card via fax by XX/XX/year>. I complied with this request and successfully transmitted the required documents to the number provided ( XXXX ) at XXXX XXXX  XXXX on XX/XX/year>. I received a confirmation of successful transmission. 

By late XXXX, I noticed my account remained frozen. When I followed up with Capital One, I was told the documents had not yet been processed due to delays. I expressed my concern about the sensitive nature of the documents and asked for confirmation that they were received and being handled securely. The agent confirmed I had followed the correct instructions and stated they would contact me if there were any issues. 

On XX/XX/year>, I logged into my account and discovered it had been closed. When I called to understand why, I was told it had been closed the previous week because Capital One had allegedly not received the documents I submitted. When I explained that I had a successful fax confirmation, the representative told me they could not locate the documents and therefore considered them never sent. I asked several times where my sensitive documents had gone, only to be told that they had no visibility into where incoming faxes are stored or processed. 

I am not filing this complaint because I want to remain a Capital One customerI am filing it because I am deeply concerned about their document handling practices. Capital One requested highly sensitive personal documents from me and provided no secure or trackable process to ensure proper receipt or storage. They then proceeded to close my account and denied receiving documents I can confirm were successfully sent to their designated number. 

I am seeking : A full investigation into where my personal identification documents are within Capital Ones systems. 

Written confirmation that my sensitive information has been handled appropriately and securelyor, if it can not be located, an explanation of how it was lost and what steps will be taken to protect me from potential misuse. 

XXXX that Capital One improves its process for handling sensitive identity documents to prevent similar occurrences from affecting other consumers. 

This incident has caused significant distress, and I believe it reflects a serious failure in data security and customer communication protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief