vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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 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 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

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Was called by a person who did not identify himself and was told to call an XXXX number, I was told that it was for a lawyers office by the name of XXXX XXXX. When I called I was asked to give them a reference number, I don't remember what it is. I was then transferred to a man who said I was being sued by XXXX XXXX because of a capital one card I had back in 2005. I was told I'm being sued for XXXX. I've never had a card with that type of credit limit, and when I did have a capital one card the limit was {$500.00}, and I paid it off. If i had used it and I don't think I did, I probably was unable to pay due to unemployment that came after i paid the card off. This debt is over XXXX XXXX XXXX ( if it is even mine ). I am currently XXXX furthermore this debt is it is even real should've already fallen off from my credit report. I do believe this is the work of scammers. If not then this needs to removed off of my report as it is an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Account XXXX/COMENITY # XXXX & XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account # XXXX & XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I rented XXXX properties via XXXX in XXXX and paid in euros via w/Capital One venture X card. When posted the exchange rate that Capital one applied was much higher than the XXXX exchange rate website calculator for the transaction date and also for the posting date.I called capital one not once but 4 times and they were unable to tell me what rate they applied, nor did they bother to investigate XXXXhe exchange rate. They said they could only put a dispute on the entire amount which would have reversed the charges on the XXXX who had nothing to do with the problem. On the statement XXXX invoiced Cap One the correct amount in Euros. Cap one told me XXXX sets the rate but would not tell me where to look up rate, how to, or who to call at XXXX. I found the XXXX site and the exchange rate for those dates was about $ XXXX I was charged {$1.00} & XXXX. The charges were ; post date XX/XX/XXXX {$1000.00} euros {$1400.00} usd the other charge was post date XX/XX/XXXX {$1300.00} euros {$1700.00} usd. Cap One told me there was nothing they could do regarding exchange rate. Is that true? Are we subject to whatever rate the apply regardless if accurate or not? 
Capital One XXXX XXXX  card ending in XXXX. My dob is XX/XX/XXXX. Phone # XXXX email XXXX only docs would be the statement which CapOne of course has. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been denied multiple credit applications from Citibank between XXXX due to a restriction on my account stating " credit privileges on your existing account ( XXXX ) are currently restricted. '' After numerous rejections ( including for XXXX XXXX XXXX in XX/XX/XXXX, Citi XXXX XXXX XXXX XXXXXX/XX/XXXX, and Citi XXXX XXXX XXXX XXXX XXXX XXXX I finally received a detailed explanation in a XX/XX/XXXX letter. 
Citibank claims they closed my previous accounts ( Citi XXXX ending in XXXX and XXXX XXXX ending in XXXX ) because they believe I " misrepresented details in billing disputes. '' They cite XXXX specific transactions from XX/XX/XXXX : A {$190.00} XXXX XXXX charge which I disputed as a canceled recurring charge. Citibank claims the merchant provided a receipt showing I purchased XXXX items, but this appears to be a different transaction entirely from the recurring charge I was disputing. 
A {$290.00} XXXX XXXX! charge which I disputed as undelivered. Citibank claims the merchant said it was delivered on XX/XX/XXXX, but I never received this delivery despite waiting at home all day. 

I have maintained excellent credit otherwise, as evidenced by my current employment as a XXXX XXXX XXXX XXXX XXXX with a salary of {$200000.00}. I believe this restriction is either based on a misunderstanding or an error in Citibank 's investigation process. Despite multiple attempts to contact Citibank about this issue, including reaching out to their XXXX XXXX XXXX in XX/XX/XXXX, they have not provided a clear path to resolving this restriction. 
This situation appears to be a permanent blacklisting that prevents me from accessing any Citibank credit products, despite the disputed transactions being relatively minor amounts from over XXXX years ago. I believe this indefinite restriction without a clear remediation path is unreasonable and disproportionate to the alleged issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: KY

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$890.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * XXXX * XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX - XXXX * XXXX * * * * * XXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX  - XXXX * XXXX * * * * * XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$360.00}

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 2025-04-25 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: TX

Complaint narrative:
I am filing this complaint because Experian has failed to comply with several key provisions of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681e ( b ), related to their obligation to conduct a reasonable reinvestigation and ensure maximum possible accuracy of information in my credit file.

Over the course of the past year, I submitted three written disputes to Experian regarding a debt account that I believe is inaccurately reported. These were submitted on [ insert dates if known ] with clear requests for validation and documentation verifying the legitimacy of the account. 

In XX/XX/XXXX, Experian closed the dispute and marked it as resolved, without providing any documentation, explanation, or evidence that the information was verified or accurate. Following this, I made multiple additional requests directly to Experian, again asking for proof of verification from the furnisher. No documentation was ever provided. 

Most concerning, on a documented phone call with Experian representative XXXX in XX/XX/XXXX, the representative admitted that Experian does not verify or validate accounts but only contacts the furnisher to ask if the information is valid. No actual documentation or reinvestigation is conducted. This directly violates : FCRA 1681i Failure to conduct a reasonable reinvestigation of disputed information ; FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of the information ; FCRA 1681i ( a ) ( 5 ) Failure to delete information that can not be verified.

Experians actions reflect a systemic failure to investigate disputes properly. They relied solely on the furnisher 's unverified word and continued to report the disputed item without validating its accuracy or legitimacy. To this day, no documentation from either Experian or the furnisher has ever been provided. 

I am requesting the immediate deletion of the unverifiable account, a written confirmation of removal, and that Experian update my credit report to reflect accurate and verified information only, in full compliance with the FCRA. I reserve the right to pursue legal remedies if this issue is not resolved promptly. 

Note i spoke with XXXX with Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. asked him to note account of all the issues and violations as well. 

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 explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
In XXXX I received an email congratulating me for my new XXXX account. I did not open a XXXX account and called them immediately to cancel the account and report it as fraud. 

XXXX indicated that they would start an investigation and it could take up to 90 days. However, there was a charge on the card and it is now past due and is currently being reported on my credit report as late. 

I called XXXX again and they said the card is inactive and no one can use it and that the investigation is still ongoing. 

I called XXXX and asked them to dispute it and they recommended I file a report with the federal trade commission or local police. 

I am now waiting to hear from XXXX and their investigation review as well as the XXXX  dispute. In the meantime, I would like this account removed from my credit report so I do not get negative marks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 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: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXXXXXX XXXX, a residential leasing company in XXXX XXXXXXXX XXXX, for unfair and deceptive practices related to their application process. 

After submitting an application and paying associated fees, I disputed the handling of the application process and declined to continue with re-evaluation. Despite this, XXXXXXXX XXXX refused to refund my application fees. They failed to provide clear, advance disclosures regarding refund policies and engaged in practices that misled me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau review this matter for potential violations of consumer protection laws, specifically regarding unfair and deceptive financial practices in housing-related transactions. 

Attached are communications and supporting documents related to my experience. 

Thank you for your consideration.

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 2025-04-25 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:
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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
SoFi repeatedly denied my request of opening the {$1100.00} purchase of XXXX XXXX even after the company said they refunded the money I also sent multiple screenshots of proof also explaining how I accidentally said yes it was authorized instead of no because the question was worded differently than how my other bank would ask. Even after I got the dispute open multiple times there was multiple times where they took longer than 10 business days and did not issue me a provisional credit. Again the company that this purchase went to said they refunded the money and SoFi wouldnt even look into denying the company did refund the money. This has been on going for months with me showing multiple proofs of unauthorized activity that SoFi denies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief