vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I initially used my Citibank credit card to reserve rooms at the XXXX XXXX express for XX/XX/XXXX and XXXX of XXXX. I have confirmation from the hotel on what I reserved but the hotel made charges on my credit card for XXXX rooms that I never requested. I called the hotel on XX/XX/XXXX, XXXX and XXXX, but they still put the charges on my card. I then filed a dispute with Citibank and the agent said it was fraudulent and shut down the card. He was incorrect and it was a billing dispute. I then had to call on XX/XX/XXXX and talk with an agent named XXXX to reopen it as a billing dispute. I asked at that time if I could provide my documentation and the agent told me no they will ask for it if they need it. I called several times over the next week to check on the case and again ask if I could provide my documentation. I received notification from Citibank on XX/XX/XXXX that the charges are my responsibility. I called and talked to an agent and asked her if I could appeal the decision and send my documentation since I never was given that opportunity. She looked at each church line by line and told me she applied a permanent credit to the charge for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, she said her name was XXXX and that I would need to wait XXXX business days for it to appear on my account. The charges were not removed so I called back and talked to another agent who did credit the XXXX. I called again about the other charges and talked to an agent that said they never shouldve told me they could put a permanent credit on my charge card for all of those amounts. That agent didnt know what she was talking about because that is not common practice. He told me they could not reopen the case because it was already decided. I told him I had not been able to provide my documentation. At this point, this was a supervisor I was talking to. He told me I would have to wait to Receive a callback from someone and I am still waiting for that callback Citibank is taking no responsibility for what their agents have told me and never provided me a documentation of why they made the decision they did. They also did not ask for my documentation.

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 2025-08-18 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: CA

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
In XXXX of XXXX  I was sent an email to settle my outstanding debt with my card. I settled for {$300.00} and they informed me that my account would be closed. I also spoke with them on the phone and they stated the same thing. I made two consecutive payment and when I went to make the final payment, they informed me I had a huge balance from late payment fee. I told them the account should be closed and the collection woman told me that it would update upon final payment. After making final payment, I had a balance of {$180.00}. When I asked them where the balance came from, they told me they were late payment fee from having {$1.00} balance left on my account. They are also reporting me to credit bureau for it. It is an Old Navy Barclays account. I am confused right now because the account should have been closed when I settled the account. They will not help me either.

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 2025-08-18 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This complaint is in reference to dealing with Comenity Bank. They are the credit card company used in connection with Full Beauty Brand ( XXXX 's, Woman Within, etc. ). I have been ordering from Full Beauty Brand for years and their credit practices are shady to say the least. Most recently I had an issue where I paid off my credit card balance on XX/XX/year>, and today was on the phone for over an hour two separate times and given the runaround initially about a balance due in the amount of {$43.00}. I was told this was a previous balance from XX/XX/year> the first time I called ( spoke to XXXX ) regarding a return that had already been processed and should not have been a balance. The second call with XXXX I was then told the balance was from interest and paper statement fees, which would have totaled to {$13.00}. They were charging me the paper statement fee for XX/XX/year>, even though I am already enrolled in paperless statements for XX/XX/year> and received that email. The remaining balance was late fees. They should not have charged me anything because I was already enrolled in paperless and it seems ludicrous to charge me {$30.00} in late fees on a balance of {$13.00} that should never have been charged in the first place. I requested several times to speak to a supervisor, however, both agents refused. I ended up paying the amount of {$28.00} with my debit card in order to zero out the balance. I was told that my balance would reflect as XXXX in XXXX to XXXX hours, however, I have XXXX faith in this bank as they are not reputable and do not appear to do business ethically. I would like to hear back on the status of my complaint once you have done your investigation. Feel free to contact me if further information is required. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo in their magnanimous stupidity refused to close or delete my account- a federal violation of privacy laws and security. This is why these trashbags got fines and in trouble in congress for fake account right here. 

DO NOT USE THESE SCAM ARTISTS FOLKS. 

This is also why they did not get a dime above what I paid because I got away from them faster than XXXX XXXXXXXX XXXX the XXXX XXXXXXXX XXXX  and does not understand what consumer protection is all about, these XXXX are just bad and then whine about it when they are called out - waaaa you're mean. Well you're 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
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.

Please delete the following accounts : 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  Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I paid off my wilshire account in full on XX/XX/year> for the amount of $ XXXX. Despite making the final payment, the account has not been updated to show as paid/closed. I contacted the company to resolve the issue, but the account status has not been corrected. This is negatively affecting my credit report and financial records. I am requesting that Wiltshire update my account to accurately reflect that it has been paid in full and closed.

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 2025-08-18 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-18 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX  - {$20.00} - 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
- Inaccurate Personal Information : My credit files contain multiple name variations and inconsistent addresses that are not accurate or up to date. This causes confusion and raises risk of mixed files. 
- Incorrect/Unverified Accounts and Balances : Equifax Consumer Statement lists a XXXX  account with an incorrect balance and indicates I signed a contract that I never signed. XXXX XXXX ( Experian ) shows as a derogatory charged-off account with inconsistent balance reporting ( {$850.00} {$880.00} ) that I dispute. 
Collections from XXXX XXXX XXXX XXXX and XXXX / XXXX are reported as derogatory without validation of debt. 
- Duplicate and Inconsistent Reporting : Certain accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtc. ) show differing balances or statuses across the three credit bureaus, violating the requirement for accuracy and consistency. 
- Failure to Properly Investigate Disputes : I previously disputed several accounts, yet the bureaus have continued reporting them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation. This violates FCRA 1681i ( a ).

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 2025-08-18 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: NC

Complaint narrative:
- Inaccurate Personal Information : My credit files contain multiple name variations and inconsistent addresses that are not accurate or up to date. This causes confusion and raises risk of mixed files. 
- Incorrect/Unverified Accounts and Balances : Equifax Consumer Statement lists a XXXX  account with an incorrect balance and indicates I signed a contract that I never signed. XXXX XXXX ( Experian ) shows as a derogatory charged-off account with inconsistent balance reporting ( {$850.00} {$880.00} ) that I dispute. 
Collections from XXXX XXXX XXXX XXXX and XXXX / XXXX are reported as derogatory without validation of debt. 
- Duplicate and Inconsistent Reporting : Certain accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtc. ) show differing balances or statuses across the three credit bureaus, violating the requirement for accuracy and consistency. 
- Failure to Properly Investigate Disputes : I previously disputed several accounts, yet the bureaus have continued reporting them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation. This violates FCRA 1681i ( a ).

Company response to consumer: Closed with explanation