vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I canceled a payment plan with Capital one and this company still. I didnt authorize a payment and received a confirmation email for the account. They still processed the payment causing my account to be overdrawn and other bills not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MA

Complaint narrative:
I reviewed my consumer credit reports and identified multiple derogatory accounts and collection entries that are being reported inaccurately, inconsistently, and without proper verification. Several accounts reflect charge-offs, repeated late payments, and collection balances that have not been supported by complete documentation, contractual proof, or a verified payment history. Despite prior disputes, these items continue to be reported with conflicting balances, unclear ownership, improper monthly reporting after charge-off, and missing required data elements such as a valid date of first delinquency and evidence of lawful debt transfer. Under the Fair Credit Reporting Act, furnishers and credit bureaus are required to report information that is complete, accurate, and verifiable. To date, no party has provided documentation sufficient to substantiate these negative entries, yet they remain on my credit file and continue to cause measurable harm.

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 2025-12-26 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 reviewed my consumer credit reports and identified multiple derogatory accounts and collection entries that are being reported inaccurately, inconsistently, and without proper verification. Several accounts reflect charge-offs, repeated late payments, and collection balances that have not been supported by complete documentation, contractual proof, or a verified payment history. Despite prior disputes, these items continue to be reported with conflicting balances, unclear ownership, improper monthly reporting after charge-off, and missing required data elements such as a valid date of first delinquency and evidence of lawful debt transfer. Under the Fair Credit Reporting Act, furnishers and credit bureaus are required to report information that is complete, accurate, and verifiable. To date, no party has provided documentation sufficient to substantiate these negative entries, yet they remain on my credit file and continue to cause measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
On XX/XX/year>, I reviewed my Equifax credit report and discovered multiple tradelines being reported inaccurately. Two accounts reported by XXXX XXXX reflect high balances that are higher than the actual amount owed because they include unauthorized or excessive fees. Both accounts also report without a close date despite no longer being open and list an estimated date of removal rather than a fixed date based on the date of first delinquency. Additionally, an account reported by XXXX reflects an overstated high balance and charge-off amount due to improper fees and is missing a close date. I dispute the accuracy of the balances, fees, account status, and reporting dates for these accounts. I reviewed my report and took action by filing this dispute because these inaccuracies remain on my credit report and continue to negatively affect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-12-26 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-12-26 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: AE

Complaint narrative:
I do not recognize these accounts and formally request their deletion within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-26 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Multiple companies accessed my consumer credit report without my authorization or any permissible purpose under 15 U.S.C. 1681b. These unauthorized hard inquiries are damaging my credit profile. I am requesting immediate deletion and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX. I hereby request validation of the debt referenced above, pursuant to the fair debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, a mere statement does not satisfy the burden of proof. Therefore, I request you provide : 1. The original contract or agreement. 2. A detailed accounting of debt, including all charges and payments made. 3. Verification from the original creditor that you have the legal right to collection of this debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease-and-desist request extends to any forms of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX XXXX XXXX. If you fail to comply with this request. I will have not option but to pursue legal action against your company. Below is an itemized list of potential cost associated with litigation for harassment and abuse : Attorney fees {$6000.00} Court filing fees {$500.00} Statutory Damages under the FDCPA {$2000.00} Addition Damage for emotional Distress {$10000.00} Time off work and other incidental expenses {$2000.00} Total estimated cost {$20000.00}. I expect a prompt and complete response to this request. Continued attempts to collect this debt without proper validation will be considered harassment and abuse under the FDCPA, and I will take the necessary steps to protect my rights. 

Sincerely XXXX 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

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 2025-12-26 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. This conduct constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items at 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no connection to this account it is being reported in error and the details associated with it are false.

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 2025-12-26 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: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$140.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$1900.00}

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 explanation
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a fraud claim involving a replacement credit card that was never received by me. 

I requested a replacement credit card from Bank of America. The replacement card was mailed but never delivered to me. I never possessed, activated, or authorized the use of this card. 

An unknown person activated the card and made unauthorized purchases totaling {$500.00} at four retail locations. I reported the fraud to Bank of America promptly, while the transactions were still pending. 

Bank of America initially issued provisional credit but later denied the claim, asserting that the card must have been authorized because it was physically present for chip/PIN transactions. When I contacted the bank ( Phone Call, XXXX XXXX, XX/XX/year> ) they confirmed : They have no proof of delivery or tracking for the replacement card They do not know how the card was activated No documents or evidence were used to support the denial decision The bank has since reopened the case after I provided a police report documenting identity theft and unauthorized card use. 

I am concerned that Bank of America denied the claim without evidence and based solely on an assumption of authorization, despite the card never being received. I am requesting CFPB assistance to ensure the claim is evaluated in accordance with the Fair Credit Billing Act and protections related to non-receipt of a replacement credit card.

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 monetary relief
Consumer complaint received 2025-12-26 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 do not recognize these accounts as valid and request removal within 15 days per the Fair Credit Reporting Act.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I was the victim of an international fraud involving criminals impersonating law enforcement officers. Under coercion and threats of arrest, I was instructed to open a new consumer checking account at Citibankan institution with which I had no prior relationshipand wire a total of {$180000.00} to overseas accounts controlled by the fraudsters. 

The wires were highly irregular and contained multiple red flags, including : - A newly opened account with no prior wire history initiating large international wires ; - Transfers sent from a personal checking account to an unrelated overseas business entity ; - A first wire transfer being rejected by the receiving bank due to suspected fraud ; - Citibank subsequently re-posting the full returned amount as a second wire without enhanced review ; - No verification call, alert, inquiry, or fraud intervention by Citibank at any point. 

The scam is documented by the FBI as a known criminal scheme involving law-enforcement impersonation. I reported the fraud promptly to law enforcement and regulators. 

Despite these circumstances and the clear indicators of fraud, Citibank denied reimbursement after I reported the incident on XX/XX/year>, stating that it was not responsible for the loss.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account closed XX/XX/XXXX Last Payment Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$0.00} Last Payment Amount {$500.00} Original Amount {$19000.00} This was paid off and it isn't my debt this is also XXXX XXXX XXXX would like it wiped from credit report

Company response to consumer: Closed with explanation