vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Experian, XXXX XXXX. XXXX XXXX XXXX, TX XXXX ATTN : Consumer Affairs RE : Personal Information To Consumer Affairs, With respect to XXXX XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there are some inaccurate, not applicable, and fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Within 30 days from receipt of this letter, the following information needs to be omitted. Please note that upon completion of the request, a new, updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 

Omit the following names, as my TRUE name can be verified on my supporting documents identification : LIST ALL THE INACCURATE, MISPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses : 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  Omit the following employers XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Omit the following phone number. 
( XXXX ) XXXX Attached to this initial request, I have attached my identification. I suspect you would have no issues removing the aforementioned information in a timely fashion. 

Kind Regards, XXXX, XXXXXXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2025-09-20 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:
Hello, please delete my file and report. I nvr gave authorization bc of identity theft and the Transunion Breach. Correct the credit report. Thanks!

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am trying to buy a house I saw this incorrect information was on my credit report according to the information I have attached please remove this from my report!

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 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: AK

Complaint narrative:
A collection tradeline from XXXX XXXX XXXX XXXX, reported by Credit Management Company, appeared on my TXXXX credit report with Balance {$700.00}, Date Opened XX/XX/year>, and Date Updated XX/XX/year>. 

I have not received any notice or validation from this company and have not admitted to owing this debt. I believe this account is being re-aged. Re-aging a debt to extend its reporting period is prohibited under the Fair Credit Reporting Act, and reporting an inaccurate date of first delinquency is misleading and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my deep frustration regarding the recent denial of my credit applications by multiple banks despite having an exemplary XXXX  score of over XXXX. 

Could it possibly be due to my age of XXXX  years? 

Recently, I received several balance transfer promotional offers via postal mail from various credit card companies, including Citibank, XXXX XXXX, and XXXX XXXX. When I applied for these offers, I was met with denial after denial, without any explanation, despite my excellent credit history. Initially, I thought perhaps one bank had made an error, so I tried applying with others, only to face the same rejections. Unbeknownst to me, these multiple applications negatively impacted my credit history. To add to my confusion, Citibank extended a mere {$1000.00} credit limit, whereas my existing Citibank cards collectively hold nearly {$45000.00}. While {$1000.00} was not the issue at hand, I required {$12000.00}. 

Furthermore, last month my wife received a notification from XXXX  about a security breach, compromising her Social Security number and date of birth, along with millions of other American credit card holders. This incident heightened my suspicion and concern regarding the credit card rejections. In an attempt to seek clarification, I contacted XXXX  consumer reporting agency, but their automated service disconnected my calls multiple times, leaving me with no answers and no one to turn to. 

I am seeking clarity on the following : XXXX. Why did Citibank arbitrarily deny my balance transfer request? 
XXXX. Why has Citibank failed to rectify this mistake despite knowing my exemplary credit history with them, as evidenced by my XXXX score of XXXX displayed on their app? 

At this point, I am left wondering whether these rejections are a form of age discrimination or if my data has been compromised, leading to the denial of my {$10000.00} balance transfer request. 

Your assistance in resolving this matter would be greatly appreciated. 

Best regards, XXXX XXXX Get XXXX for 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 2025-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing a consumer complaint against Honda of XXXX XXXX XXXX for contract misrepresentation and unfair sales practices. 

On XXXX/XXXXXXXX, I purchased a XXXX  XXXX XXXX XXXX. I explicitly instructed the dealership that the vehicle financing must be processed under my corporation ( XXXX XXXX XXXX XXXX ) and provided my EIN and corporate documents. Despite this, the dealer issued the financing contract under my personal name with XXXX XXXX as co-signer, which was never authorized by me. 

In addition, the dealer bundled unauthorized add-ons into the contract without my informed consent, including : XXXX XXXX XXXX XXXX {$2000.00} I repeatedly requested corrections and a rewritten contract from dealer staff ( XXXX XXXX and XXXX ) XXXX but my requests were ignored. These practices represent contract misrepresentation, unfair lending, and deceptive add-on sales. 

Evidence Bundle Includes : Full retail installment contract ( all 6 pages, highlighted ) Text messages and emails with dealership staff Corporation documents ( EIN, Articles of Incorporation ) Complaint notes and prior attempts at resolution Requested Resolution : XXXX. Correct the financing contract under my corporation. 
XXXX. Remove all unauthorized add-ons. 
XXXX. Investigate and take compliance action against the dealership. 

Complainant : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/2018 {$320.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 explanation
Consumer complaint received 2025-09-20 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX ATTN : Consumer Affairs RE : Personal Information To Consumer Affairs, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/year>, there are some inaccurate, not applicable, and fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Within 30 days from receipt of this letter, the following information needs to be omitted. Please note that upon completion of the request, a new, updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 

Omit the following names, as my TRUE name can be verified on my supporting documents identification : LIST ALL THE INACCURATE, MISPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses 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 Omit the following employers. 
XXXX XXXX XXXXXXXX Attached to this initial request, I have attached my identification. I suspect you would have no issues removing the aforementioned information in a timely fashion. 

Kind Regards, XXXX, XXXX XXXX  Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I went to Best Buy on XX/XX/year> to request a payment plan for a purchase. The store manager asked for my Social Security number and had me sign paperwork without clearly explaining what I was applying for. I was told it was required for the payment plan. 

During the transaction, the manager was physically pressing accept on the card application/payment pad without fully explaining what I was agreeing to. On the screen when it had asked me to enter my social security number I had asked the manager why is it asking for my social? He had stated No worries I cant see it in my end. I later discovered that I had actually been signed up for a Best Buy credit card account with Citi. At no point did the manager clearly state that this was a credit card application, nor did I knowingly consent to opening a new credit account. Until I had asked at the end of theis this a credit card? I dont want to open a credit card. 

This has resulted in a hard inquiry on my credit report and the opening of a credit card account that I did not intend to apply for. I feel I was misled, pressured, and denied the ability to make an informed decision about my personal credit. 

I had spoken to Citi over the phone and explained the situation and they had stated they will put a void on the inquiry since I was not aware of what was happening. However, I would also like for the CFPB be aware of this as well for further protection.

I stated to the manager that I did not want to proceed forward with the purchase of the laptop due to this misleading and predatory behavior and did not want to proceed forward with the application of the Citi/Best Buy credit card. The credit card application was not completed however the hard inquiry is on my history.

I am requesting that Citi/Best Buy : 1. Close this account immediately. 
XXXX. Provide written confirmation that I have no financial obligation on it. 
XXXX. Ensure my credit report is corrected so there is no negative impact from this incident.

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 2025-09-20 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: Penn Credit Corporation
State: KS

Complaint narrative:
I am trying to buy a house I saw this incorrect information was on my credit report according to the information I have attached please remove this from my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: DC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

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 2025-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
In my previous complaint ( XXXX ) I gave this same information. I tried to open a bank account. They told me they were not able to open the account because they were not able to verify my identity. I asked what was lacking in order for them to verify my identity and they refused to answer. The first call I made I was told I would receive a letter explaining the matter and outlining my next steps. I did not receive such a letter. I called again. Spoke to somebody who was told I would get a letter and again did not receive a letter. Finally, after complaining to this bureau, I did receive a letter, which was literally worthless. In the company response to my original complaint, they stated that again they were unable to verify aspects of my identity. But they would not say what those aspects were. The information I provided to them was exactly the same information that I have used my entire life. My full name, I have never had an alias never changed my name. My mailing address, which has been my mailing address for the last 10 years. My Social Security number which again remains unchanged. They did not ask me for any further information. They did not tell me what the problem was with being able to identify my identity. They simply claimed in their response letter that I would need to reapply and give them accurate information about my identity. It is literally impossible to provide any more accurate information to them than I already have. My credit is extremely good, my credit history is extremely good. I cant fathom what their actual reason for not opening an account might be, but if the reason is that they were unable to verify my identity, then I think they should prove in some fashion that they were unable to verify it. Or contact me directly for further clarification.

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 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Someone hacked our debit card and checking account, on XX/XX/XXXX, without our knowledge and proceeded to empty our checking account : XXXX {$50.00}, XXXX {$50.00}, XXXX {$1900.00}, XXXX {$2000.00}, XXXX {$2000.00}, XXXX {$8.00}, XXXX {$20.00}, XXXX {$2000.00}, XXXX {$2000.00}, XXXX {$2000.00}, XXXX {$2000.00}, total = {$12000.00}. We received notice of account being overdrawn XX/XX/10. They had changed our address and had a new debit card issued, all without our knowledge and or approval. We contacted the bank on XX/XX/10 to report this fraudulent activity. The Wells Fargo investigator told us that they had a picture of the individual withdrawing funds at one of their ATM locations, but told us that they could not verify fraud and will not reimburse any of our funds.

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute rthe XXXX XXXX account XXXX. Ally has reported inconsistent balances and payment histories acrfoss bureaus, violating FCRA 607 ( b ). This account must be deleted under {$610.00} ( 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 non-monetary relief
Consumer complaint received 2025-09-20 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 dispute rthe XXXX XXXX account XXXX. Ally has reported inconsistent balances and payment histories acrfoss bureaus, violating FCRA 607 ( b ). This account must be deleted under {$610.00} ( 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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX, Experian, and XXXX XXXX requesting to remove current and past employers and phone numbers from my personal information. Also, there are variations of my name and different addresses. I suffered ID Theft some time ago and I believe that the predators access my credit with different versions of my name, address and phone numbers.

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