vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On or about XX/XX/XXXX, and again on or about XX/XX/XXXX, I reviewed my credit report and identified inaccurate personal identifying information being reported on my credit file. This includes incorrect name variations, an invalid Social Security number fragment, and address information that does not belong to me. 

After identifying these inaccuracies, I previously requested review and correction of the incorrect personal information through standard credit reporting dispute channels. Despite these requests, the inaccurate personal identifying information has continued to appear on my credit report from XX/XX/XXXX through XX/XX/XXXX. 

The continued reporting of incorrect personal identifiers over this period creates a risk of mixed-file reporting and indicates a failure to maintain reasonable procedures to assure maximum possible accuracy, as well as a failure to conduct a reasonable reinvestigation. I am requesting removal of all inaccurate personal identifying information, correction of my credit file to reflect only accurate information, and written confirmation that a proper reinvestigation has been completed.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter dated XX/XX/2025 from XXXX XXXX bank advising me that they had decreased my credit line on an existing Mastercard credit card that I have with them. The letter noted that the decrease was due to too many missed minimum payments on credit cards in recent history, and too many missed minimum payments on revolving accounts in recent history. The letter also stated that XXXX XXXX 's decision for the credit line decrease was based in whole or in part on information obtained from XXXX and suggested that I contact them which I immediately did. XXXX  mailed me a copy of my credit report dated XX/XX/year> which I received on XX/XX/year>. The report showed that my credit score was reduced from ( XXXX ) to ( XXXX XXXX ). Upon reviewing the Report, I found that a Citicard XXXX XXXX AAdvantage credit card that I have and rarely use has an outstanding balance of {$47000.00} resulting from charges that I did not make. I tried to access my online account and found that my credentials were no longer valid. I then contacted Citcard and was told that it appears that someone in XX/XX/year> hacked my account changing my username, password, email, telephone number, address and payment to paperless. All charges were made in 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 monetary relief
Consumer complaint received 2025-12-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, my Wells Fargo credit card was charged {$400.00} by XXXX for freelance services. 

After the charge, the freelancer explicitly agreed in writing to issue a full refund. Despite this agreement, no refund was ever issued or received, and no credit has posted to my account. 

I filed a billing dispute with Wells Fargo regarding the failure to receive the agreed-upon refund. During the investigation, Wells Fargo never contacted me, never requested documentation, and never gave me an opportunity to submit evidence. The claim was later closed with a determination that no error occurred. 

XXXX has confirmed that it will not provide further mediation and that the matter must be resolved externally. 

A merchants failure to issue an agreed-upon refund constitutes a billing error. Closing the dispute without allowing me to submit evidence was not a reasonable investigation. I am requesting that Wells Fargo reopen and reinvestigate this billing dispute and issue a credit for the {$400.00} charge unless the merchant can provide proof that a refund was completed.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am disputing the collection account with SOUTHWEST RECOVERY SER XXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SOUTHWEST RECOVERY SER provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
As we heading into the new year, XXXX trying to turn over a new leaf with my budget and my bill pay. Having said that after incurring medical expenses and a tough year, I am looking at my credit card and realizing that this whole time theyve hit me with fees ranging from XXXX to XXXX. Theyre all about sending me reminders to pay, but not so much reminding me where I can find the fee fees how much they are and I have seen no grace from them. 
I would like ideally all, but at least some of my fees to be returned to me given the lack of transparency on their part. I am referring to late fees of course I know theres nothing you can do about interest.

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 2025-12-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC is reporting inaccurate and misleading information on my credit report regarding a XXXX XXXX account. The account is reported as a charge-off with a balance exceeding the credit limit and contains contradictory status information ( resolved by data furnisher ), making it materially inaccurate. 

This account was previously disputed, yet Equifax failed to conduct a reasonable reinvestigation or provide documentary verification, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

I am requesting the immediate deletion of this account from my Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
SANTANDER CONSUMER USA XXXX XXXX XXXX, XXXX TEXAS XXXX, CONTINUES TO REPORT INACCURATE INFORMATION TO XXXX XXXX  AND XXXX  ON AUTO LOAN PURCHASED AT XXXX XXXX XXXX XXXX ON XX/XX/XXXX IN THE AMOUNT OF {$31000.00}, CAR WAS TOTALED OUT BY INSURANCE COMPANY XX/XX/XXXX. INSURANCE PAID {$22000.00} + {$2500.00} LEFT AN BALANCE OF {$7200.00}, THAT WAS PAID TO SANTANDER GAP SETTLEMENT. THIS ACCOUNT HAS BEEN SETTLED AND PAID INFULL. SANTANDER consistently REPORTS LATE PAYMENTS TO XXXX XXXX XXXX XXXX  ON AN ACCOUNT THAT IS CLOSED AND SANTANDER IS STILL REPORTING OPENED. I HAVE TRIED TO RESOLVE ISSUE WITH SANTANDER XXXX FOR THE LAST XXXX XXXX AND THEY STILL HAVE NOT UPDATED THE BUREAUS WITH ACCURATE DATA. WHICH CAUSES MY XXXX XXXX TO DROP XXXX 'S OF POINTS EACH MONTH IN THE LAST 3 MONTHS FOR THIS FALSE REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX XXXXOriginal Creditor : XXXX XXXXXXXX XXXX Account XXXX, opened on XXXX, XXXX XXXX XXXXXXXX Account XXXX, opened on XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future 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 2025-12-25 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: IL

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX XXXXOriginal Creditor : XXXX XXXXXXXX XXXX Account XXXX, opened on XXXX, XXXX XXXX XXXXXXXX Account XXXX, opened on XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have paid charge in full and they continue to apply payments to other charges which cause finance charge. I have asked them several times to re allocate my payments.

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