vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit profile has been compromised by unauthorized accounts and false information that were created through identity theft, none of which I authorized or have any legitimate connection to. These fraudulent entries have created substantial obstacles in my financial life, blocking my access to credit and damaging my reputation with potential lenders and financial institutions. The emotional toll and practical consequences of this situation have been overwhelming, as I have been forced to spend countless hours attempting to resolve these issues while watching my credit score deteriorate due to activity that is not mine. I am demanding immediate corrective action to investigate and eliminate these disputed items from my credit history, as their continued presence constitutes an ongoing violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BK CT-XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

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 2025-09-16 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: TX

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
Capital One failed to properly investigate and resolve my credit card dispute for services not rendered, despite clear evidence of a contractual guarantee requiring a full refund. 

Account & Charges : Capital One Business Credit Card ( last 4 digits : XXXX ) Three charges of {$3100.00} each posted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( total {$9500.00} ). 

Merchant : XXXX, XXXX ( also operating as Ignite Connections ). 

Summary of Events : On XX/XX/XXXX, I signed XXXX XXXX XXXXice agreement with XXXX for real estate lead-generation services. The contract contains an explicit guarantee : XXXX guarantees that it will deliver at least 10 contacts to the CLIENT before the expiration of this agreement Should XXXX fail to deliver the number of contacts as specified above & the guarantee terms met, XXXX warrants that they will issue a FULL REFUND of the clients fees within 30 days of the expiration of the initial term. 
XXXX never delivered a single qualified contact or appointment during the 6-month term ( ending around XX/XX/XXXX ), despite repeated pivot strategy calls and my full cooperation. 
I requested a 50 % refundless than the contractually promised full refundbut the merchant refused and eventually stopped responding. 

Capital One Dispute Handling : After trying to work with the Vendor directly for months, I took my last resort and I disputed all three charges on XX/XX/XXXX On XX/XX/XXXX, Capital One initially reversed all three charges while investigating. 
I never the Capital One documents request for supporting documents. 
On XX/XX/XXXX, Capital One unexpectedly re-applied the charges, claiming I failed to respond. 
I immediately contacted Capital One and uploaded the contract, emails, and proof of non-performance through the secure link they provided. 
On XX/XX/XXXX, Capital One closed the dispute again, citing a vague limited timeframe, despite my timely response and their initial reversal. 
Why This Violates the Fair Credit Billing Act ( FCBA ) : The FCBA protects consumers for services not delivered as agreed.

I disputed the charges as soon as I realized that the vendor had no intention of providing me the services they guaranteed or providing me with any refund and supplied extensive documentation to Capital One once they informed me of the need for evidence. 
Capital Ones own actions ( initially reversing the charges ) demonstrate the dispute was filed on time. 
Their sudden reversal and refusal to re-open the casedespite clear contractual evidencedeny me the protections guaranteed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts :XX/XX/XXXX Account Number :XX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$300.00} XX/XX/XXXX- Account Number : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} Unauthorized Inquiries to Be Deleted :XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXXXXXX XXXXXXXX has sold my account and still reporting it Lvnv will not send proof of ownership ship XXXX XXXX XXXX XXXX  are reporting wrong information such as name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Opened Wells Fargo Home Equity Line around XXXX. 
Never missed a payment. 
Over the years, have had problems having my payments posted. These problems occured using various payments methods and paying at different banks. Had many occasions where bank staff did not know how to process payments. I was eventually told to instruct Wells Fargo staff to process the payments as a " regular payment ''. This worked for some time, but unfortunately did not last. 

The past 3 months : XXXX - XX/XX/XXXX my payments were not posted. Payments were made from the Wells Fargo App using my Wells Fargo checking account and paid directly to the Wells Fargo Home Equity account. Payments were made well in advance of the due date. 

I have begun to get calls stating that my account is delinquent, Outrageous interest payments have been requested. Every time I go through this process I am not believed and have been harassed to make my payment even though payment already has been made. 

When I checked my XXXX payment amount it was incorrect again. I called and spoke with a woman who said she saw the problem and would resolve it. A week later, I received a call stating that I was past due. I once again explained the situation and the gentleman said he would resolve it immediately. 

When I received the " corrected payment amount '' for XXXX, I paid it immediately although it still seemed much higher than normal. After I made that payment, I notice my XXXX payment amount decreased to the normal payment. I then received another call stating that my account was past due. I explained to the gentleman that I had indeed made the payment and I wanted my additional amount credited to Principle, not interest. He said that the additional amount paid would be paid to interest. I responded by stating that was not correct and asked for documentation that the payment would be processed as I requested. No response received. 

Now my XXXX statement reflected no payment in XXXX at all. I received another call stating that I was past due. I tried to explain the situation but was dismissed. I instructed the gentlemen that he needed to check as I was up to date. 

As of today, My new payment for XXXX is still not correct. I do not want to make a payment as I am confident that the additional amounts they are charging will be applied to interest and not toward principal. 

Please help me.

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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: WI

Complaint narrative:
Selene Finance didn't explain or justify why percent rate for the mortgage was raised to 8 % and why they didn't accept the loan modification form XXXX because XXXX claims to have sent the documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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: AZ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should appear on my report. I am requesting verification of these late payments, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for my XXXX XXXX XXXX XXXX XXXX XXXX I paid off the full balance and then did a lease transfer agreement and paid an extra {$500.00} for the transfer lease to my friend XXXX XXXX. Its all in the paper work. Years down the line the company sold the property and no longer owns that location. I have a full ledger balance proving I paid in full I emailed them and showed them all the proof and they still deny everything. For over 2 years I never got a single notice or alert or any mail what so ever! Theyre corrupt and dodge their clients. I have called and reached out a XXXX times! On XXXX they are rated XXXX star for poor customer service and false accusations of debt collection. This company has horrible record holders and should be sued for fraud and defamation. They are crooks and do false business and shady communication. They not once updated me on owed payments and waited after a year period to send it to collections without giving me a chance to dispute anything! Their office recommended me to XXXX collections and I called them and they said my info wasnt in the system and then PRO COLLECT is the company that keeps calling me and harassing me. Ive even had agents curse at me and yell at me trying to force me to pay this debt even though Ive paid everything in full. Trust me I have the money to easily pay this but this company is corrupt and fraudulent and Im going to fight against them because theyre mistreating and antagonizing innocent clients! This is WRONG on so many levels! PLEASE REACH OUT TO MY EMAIL I WILL PROVIDE ANYTHING AND EVERYTHING YOU NEED TO PUT THEM OUT OF BUSINESS ITS ABSURD.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am disputing the Citibank credit card account that appears on my credit reports. Citibank is reporting conflicting information regarding balances and delinquency dates across different credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to ensure maximum possible accuracy of reported information.

I have requested validation of this account, including copies of the original contracts and supporting records, but Citibank has failed to provide documentation proving the accuracy of their reporting. Without such proof, the information is unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from a consumers credit file. 

I am requesting that the CFPB require Citibank to conduct a full investigation and provide proper documentation to verify the account. If they can not substantiate the accuracy of the information reported, the account should be deleted from all credit reporting agencies.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
I was trying to find out how come I owe more than the maximum amount on the card even though I didn't use the maximum amount of {$1000.00} now, they saying that I owe almost {$2000.00}. 
I paid on it. 
For over 2 years. But the amount never went down. 
Now it's twice the maximum amount that I owe.

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