vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: RI

Complaint narrative:
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 2025-07-22 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: VA

Complaint narrative:
The inquiry and address listed on my credit report are inaccurate and not associated with any authorized activity or verified personal information. I did not initiate any credit transaction nor grant permission for the hard inquiry reported. Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only provide credit reports when a permissible purpose exists. This requirement has not been met, and the continued reporting of this inquiry is a direct violation of federal law. Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate personal identifying information. This address must be corrected or removed immediately if it can not be verified as accurate. 
I have formally disputed both the inquiry and the address, and this is a follow-up request to correct and update my file. These items are damaging and misleading. Please act immediately to investigate and remove the erroneous entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Cards does not provide support in XXXX. the support that they provide comes from XXXX, XXXX etc. Today, XXXX XX/XX/year>, I have called Citi Cards to complain about connecting with XXXX and automatically downloading the credit card transactions. I have waited over the phone more than one hour and 45 minutes just to speak with a representative from XXXX. I have asked to be transfered to US and the person said that she can not do it. I have asked to speak with a supervisor, supervisor was from XXXX. I have asked the same question and he said that he can not transfer the call. However, other credit card companies can transfer the call. Citi Cards it is the worst credit card company when it comes to providing support. it is unacceptable to wait over the phone one hour and 45 minutes. the government should force Citi Cards to provide service from US for the people living in US. We do not live in XXXX or XXXX. This is a total disregard for the US citizens.

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 2025-07-22 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: TN

Complaint narrative:
I am a victim of fraud. Experian admitted this to the CFPB through complaint number XXXX on XX/XX/year>. I have sent a dispute letter to Experian to have the fraudulent information removed from my credit report but they are non-compliant. Experian claimed the information was verified and updated but nothing changed on my credit report. Under 15 U.S. Code 1681n I am going to take legal action towards Experian effective immediate and will be contacting the states attorney general. Please see attached for dispute legal that was sent to Experian.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have submitted a formal federal privacy complaint under the Gramm-Leach-Bliley Act and FCRA. This company is collecting and sharing my personal and financial data without my knowledge, consent, or legal authorization. I have attached a signed letter, my ID, and proof of address. I am demanding full deletion, revocation of authorization, and federal enforcement for violations under GLBA 6802 and 6803

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
My line of credit was used by an identity thief to open up a Home Depot Citibank credit account. I reported this to XXXX and to Home Depot. When I finally managed to get a hold of a live person and explained the situation, they said it would be investigated and the charges would be taken care of. A month later, I got a bill. I called back again, and they said it takes a while after the investigation to erase the account.

Today I got a letter with two erroneous statements. They said that 1. Their investigation found that I was indeed responsible for the charges ( despite the fact that I wasn't in the area of the purchases at the time ).

2. That I did not dispute the charges ( despite calling them twice to dispute it.

I contacted Home Depot Citibank because I am unable to log on to the account online. I do not have the phone number associated with the account as I did not set it up. They said they have the number, but even though I am supposedly the one responsible for it I'm not allowed to be given it. They also did not tell me how their investigation came to the conclusion it did.

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 2025-07-22 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: NY

Complaint narrative:
I am submitting this complaint regarding Capital Ones improper handling of a dispute related to a transaction with XXXX XXXX. Despite providing all necessary documentation and confirmation that the merchant issued a full refund, Capital One has failed to return the full amount to me and has misinformed me multiple times during the dispute process. 

On XX/XX/year>, I disputed a charge with Capital One related to XXXX XXXX. I had canceled my ticket within XXXX hour of booking, in accordance with XXXX and U.S. Department of Transportations 24-hour cancellation policy, which guarantees a full refund if canceled within that window. 

I submitted multiple documents to Capital One, including : Timestamped cancellation confirmation A copy of XXXX 24-hour policy Communications with XXXX  showing I canceled within the allowed time After several weeks of back and forth communication and follow-ups, Capital One issued a partial refund of {$2500.00}, advising me to contact XXXX directly for the remaining amount. 

I followed up with XXXX, writing multiple emails and eventually received confirmation that : XXXX had issued a full refund to Capital One, not a partial one I was instructed to contact my bank ( Capital One ) to retrieve the remainder of the refund - Upon returning to Capital One with this new evidence ( including a written statement from XXXX confirming the full refund to the bank ), I was told I could reopen the case and submit the updated documentation. 

- I submitted the additional documentation. After two weeks of no updates, I followed up again and was abruptly told by a supervisor that the case was closed, and that no new documentation would be accepted.

- I have now been misinformed twice : 1. Once, I was told the case could be reopened if I submitted new proof.

2. A separate agent told me the case was still under review which was untrue. 

Why Im Contacting the CFPB : Capital One has : Mishandled my dispute despite receiving clear, written proof that a full refund was issued to them.

Provided contradictory and misleading information about my ability to reopen or continue the dispute. 
Failed to return the remaining portion of my refund that they received from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
While I was XXXX XXXX from XXXX to XXXX 32 accounts was opened up in my name. The names : 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. Attached are the following accounts.

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 2025-07-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-22 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: CA

Complaint narrative:
I submitted formal credit report disputes to Experian back in XXXX regarding multiple inaccurate and unverifiable items appearing on my credit file. Despite the time that has passed, no meaningful investigation has been conducted, and no updates or responses have been provided. This lack of action is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to conduct a reasonable reinvestigation and respond within 30 to 45 days. I am now filing this complaint because my rights as a consumer are being ignored, and my credit reports continue to reflect inaccurate information that is harming 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 2025-07-22 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am writing to formally dispute inaccurate and potentially unlawful information contained in my credit report, generated on XX/XX/XXXX under the name XXXX XXXX ( DOB : XXXX ). This information is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and may also violate consumer protections under the Fair Debt Collection Practices Act ( FDCPA ). 



Items in Dispute XXXX. Dept. of ED/XXXX Duplicate XXXXccounts Multiple listings for the same student loan ( s ) appear under three separate entries with differing balances and statuses. This is misleading and inflates the appearance of my debt. 
Action requested : Please verify and remove any duplicate or improperly split entries. 
XXXX. XXXX XXXX Account Re-Aged/Charged Off Incorrectly This account, closed in XXXX, is shown as charged off continuously into XXXX. If accurate closure occurred, this is re-aging in violation of FCRA 1681c.

Action requested : Remove or correct this account based on proper charge-off and closure dates. 
XXXX. XXXX / XXXX Continued Reporting Post-Dispute I previously disputed this account. Youve added a note but continue to report derogatory data without a clearly documented reinvestigation.

Action requested : Provide proof of verification or delete the account under FCRA 1681i ( a ). 
XXXX. XXXX XXXX XXXX Lack of Validation I have not received debt validation under 15 U.S.C. 1692g.

Action requested : Provide full documentation of this debt or remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections have been reporting since XXXX and may be approaching expiration under the 7-year limit. 
Action requested : Review the date of first delinquency and remove if outdated.

Legal Basis for Request Under FCRA 1681i ( a ), you are obligated to reinvestigate and remove or correct any inaccurate, unverifiable, or incomplete information. If you can not verify the accuracy of the information within 30 days, it must be deleted.

Additionally, continued reporting of inaccurate data after notice and dispute may constitute willful noncompliance under 1681n, for which I reserve my right to seek damages. 



Please complete your reinvestigation within 30 days of receipt of this letter and send a written response to my address listed above. Also, send me a free updated copy of my credit report reflecting the results.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Denali Capital Holdings, LLC
State: LA

Complaint narrative:
In XX/XX/year>XXXX  Denali Capital LLC reported a write off on my credit report for {$560.00}. I never received the 1099C document to prove this from the companys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
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 2025-07-22 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: NY

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of the XXXX account ( Acct # XXXX XXXX XXXX XXXX XXXX ). The reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : Inconsistent Reporting Across Bureaus ( FCRA 607 ( b ) ) TransUnion reports an original balance of {$500.00}, while

Equifax reports {$480.00}. Reported dates also differ by three months. Improper Balance Reporting After Charge-Off ( FCRA 623 ( a ) ( 1 ) ( A ) ) Both bureaus continue to show an active balance of {$170.00} on a charged-off account, which is misleading and inaccurate. That is not how a charge off works. Once charged off the account should be {$0.00}. Re-Aging ( FCRA 623 ( a ) ( 5 ) ) The last payment date is XX/XX/XXXX, yet the account continues to be updated as recently as XXXX, artificially extending its reporting period. Charge off 's are a one time event and should not continue to report each month. This reporting is harmful and makes it look like I am currently still past due. This kind of reporting goes against metro 2 credit reporting guidelines Given these clear violations, I request a full reinvestigation and deletion of this account from all credit reporting agencies if it can not be verified with accurate 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 non-monetary relief
Consumer complaint received 2025-07-22 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: OR

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am a victim of identity theft, and my credit report shows accounts and inquiries I did not authorize. These items are fraudulent and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these items. Attached are a list of the disputed accounts and my FTC Identity Theft Report.

Please confirm once the corrections have been made.

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