vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: WI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to maintain accurate personal information and to properly investigate and remove inaccurate, unauthorized, duplicated, and outdated hard inquiries from my credit reports. Each bureau is reporting my name incorrectly, with Experian listing XXXX XXXX XXXX, Equifax listing XXXX XXXX, and TransUnion listing XXXX, XXXX, XXXX, which constitutes inaccurate personal identifying information that creates a serious risk of mixed or misattributed credit files and violates FCRA Section 611 and Section 605 regarding accuracy and outdated information. In addition to these identity errors, Experian is reporting hard inquiries from XXXX XXXX  dated XX/XX/year> and multiple entries from XXXX XXXX  dated XX/XX/year> that I dispute as unauthorized, duplicated, or lacking permissible purpose, and no proof has been provided as required under FCRA Section 604 ( a ). TransUnion is reporting an excessive number of hard inquiries all dated XX/XX/year>, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, none of which have been validated with written authorization or evidence of permissible purpose, and several appear duplicative and improperly maintained beyond allowable reporting standards under FCRA Section 605 ( a ). Despite my right to dispute under FCRA Section 611, these bureaus continue to report this inaccurate and damaging information, failing to conduct a reasonable investigation or remove items that can not be verified, which has negatively impacted my credit profile and consumer rights. Their continued inaction reflects systemic noncompliance with federal law and a disregard for their obligations to ensure maximum possible accuracy.

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 2025-12-26 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: WI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to maintain accurate personal information and to properly investigate and remove inaccurate, unauthorized, duplicated, and outdated hard inquiries from my credit reports. Each bureau is reporting my name incorrectly, with Experian listing XXXX XXXX XXXX, Equifax listing XXXX XXXX, and TransUnion listing XXXX, XXXX, XXXX, which constitutes inaccurate personal identifying information that creates a serious risk of mixed or misattributed credit files and violates FCRA Section 611 and Section 605 regarding accuracy and outdated information. In addition to these identity errors, Experian is reporting hard inquiries from XXXX XXXX  dated XX/XX/year> and multiple entries from XXXX XXXX  dated XX/XX/year> that I dispute as unauthorized, duplicated, or lacking permissible purpose, and no proof has been provided as required under FCRA Section 604 ( a ). TransUnion is reporting an excessive number of hard inquiries all dated XX/XX/year>, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, none of which have been validated with written authorization or evidence of permissible purpose, and several appear duplicative and improperly maintained beyond allowable reporting standards under FCRA Section 605 ( a ). Despite my right to dispute under FCRA Section 611, these bureaus continue to report this inaccurate and damaging information, failing to conduct a reasonable investigation or remove items that can not be verified, which has negatively impacted my credit profile and consumer rights. Their continued inaction reflects systemic noncompliance with federal law and a disregard for their obligations to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: WI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to maintain accurate personal information and to properly investigate and remove inaccurate, unauthorized, duplicated, and outdated hard inquiries from my credit reports. Each bureau is reporting my name incorrectly, with Experian listing XXXX XXXX XXXX, Equifax listing XXXX XXXX, and TransUnion listing XXXX, XXXX, XXXX, which constitutes inaccurate personal identifying information that creates a serious risk of mixed or misattributed credit files and violates FCRA Section 611 and Section 605 regarding accuracy and outdated information. In addition to these identity errors, Experian is reporting hard inquiries from XXXX XXXX  dated XX/XX/year> and multiple entries from XXXX XXXX  dated XX/XX/year> that I dispute as unauthorized, duplicated, or lacking permissible purpose, and no proof has been provided as required under FCRA Section 604 ( a ). TransUnion is reporting an excessive number of hard inquiries all dated XX/XX/year>, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, none of which have been validated with written authorization or evidence of permissible purpose, and several appear duplicative and improperly maintained beyond allowable reporting standards under FCRA Section 605 ( a ). Despite my right to dispute under FCRA Section 611, these bureaus continue to report this inaccurate and damaging information, failing to conduct a reasonable investigation or remove items that can not be verified, which has negatively impacted my credit profile and consumer rights. Their continued inaction reflects systemic noncompliance with federal law and a disregard for their obligations to ensure maximum possible accuracy.

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 2025-12-26 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TN

Complaint narrative:
Formal Complaint Regarding Citibank 's Refusal to Process Valid Dispute I. The Underlying Transaction On [ Insert Date of Purchase ], I purchased a vacation membership from XXXX XXXX XXXX XXXX ( XXXX ) in the XXXX for {$24000.00} ( Agreement # XXXX ). This purchase was induced by material misrepresentation. The merchant sold me their lowest tier membership ( " XXXX XXXX XXXX' ) at a predatory price point, while knowingly selling higher tiers to other customers for significantly less. Furthermore, the core service sold '' exclusive member rates '' does not exist. I have documented evidence that public rates on XXXX are consistently cheaper than the " member '' rates I was sold.

II. The Dispute and Date of Discovery I discovered this misrepresentation on [ Insert Date you checked XXXX, e.g., XX/XX/year> ]. Immediately upon discovery, I formally rescinded the contract with the merchant due to fraudulent inducement and " Bait and Switch '' tactics.

III. Citibanks Compliance Failure I contacted Citibank to file a dispute for " Services Not as Described '' and " Misrepresentation. '' I explicitly requested that the dispute be processed under the XXXX Scheme Rules ( specifically XXXX  Reason Code 13.5 or XXXX XXXX ). These network rules allow cardholders to dispute transactions for up to 540 days when the service is for future delivery or when the misrepresentation is discovered later ( " Date of Discovery '' ).

IV. The Violation The Citibank representative refused to open the investigation, incorrectly citing the standard 60-day billing error window. This is a violation of my rights as a cardholder. The 60-day limit applies to mathematical billing errors under Regulation Z, but it does not override the Card Network 's contractual guarantees for disputes regarding Misrepresentation and Services Not Received. By refusing to assert my rights under the network rules, Citibank is effectively aiding the merchant in retaining funds obtained through fraud.

V. Resolution Requested I demand that Citibank immediately open a formal dispute for the {$24000.00} transaction under the correct Reason Code for Misrepresentation. I possess all necessary evidence, including the rescission letter, price comparisons ( XXXX vs. XXXX XXXX ), and the predatory contract terms, and I am ready to submit them to the investigaXXXX.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing this complaint regarding Capital Ones continued denial of my credit card applications based on a prior Capital One account that was legally discharged in a XXXX XXXX XXXX. 

The Capital One account in question was included in my XXXX XXXX XXXX and fully discharged by the court. The debt was later serviced or owned by XXXX XXXX XXXX, who have confirmed that their systems correctly reflect the bankruptcy discharge and that the account has been removed or updated on my credit reports. 

Despite this, Capital One continues to deny me credit and explicitly references this same prior account as the reason for denial. When I contact Capital One for clarification or resolution, I am repeatedly instructed to contact XXXX XXXX XXXX. However, XXXX XXXX has confirmed that they do not control Capital Ones internal underwriting or account-history systems and that there is nothing further they can correct on t

heir end. Capital One has refused to : Conduct a manual review of my application, Correct or update its internal records to reflect the bankruptcy discharge, Or provide a clear explanation as to whether Capital One maintains a permanent internal blacklist for previously discharged accounts. As a result, I am effectively denied the ability to re-establish a customer relationship with Capital One based solely on a discharged debt, despite that debt no longer being legally enforceable and despite third-party confirmation that records have been updated. I am not disputing the validity of the bankruptcy or requesting that Capital One extend credit. I am requesting that Capital One : 1. Correct any inaccurate or stale internal records related to the discharged account, and 2. Provide a clear written explanation of whether my applications are being denied due to an internal policy unrelated to my current credit profile. Capital Ones current practice of redirecting me to a third-party debt buyer who has no control over Capital Ones internal systems prevents meaningful resolution and raises concerns about the accuracy and fairness of Capital Ones internal decision-making processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: HI

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-26 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: HI

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My identity has been stolen .. the person in question is named XXXX XXXX XXXX XXXX XXXX XXXX She applied for multiple cards in my name her address and email. The picture provided below is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: HI

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has provided proof of loan modification, processing and dispersement. This deed originator located in Tennessee which is a place we have never visited to authorized anything. Wells Fargo has collected {$65000.00} of overpayment for this property valued at {$60000.00} at time of purchase in XXXX. They are attempting to collect {$120000.00} more on this loan which we are disputing.

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 2025-12-26 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: MS

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-12-26 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: MS

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding the alleged debt referenced above, effective immediately.

You are instructed to stop contacting me by any means, including but not limited to phone calls, letters, emails, text messages, or contact through third parties. Any future communication must be limited strictly to those exceptions permitted under the FDCPA.

Failure to comply with this request will constitute a violation of federal law and may result in further action to protect my rights.

This notice is not an acknowledgment of liability for the alleged debt.

Please confirm in writing that you have complied with this request.

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX XXXX XXXX  - XXXX INQUIRIES : XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation