vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to bring to your attention a recent change reported on my credit file that has negatively affected my credit score by approximately XXXX points. 
Between XX/XX/year>, and XX/XX/year>, a remark was added to my CAPITAL ONE BANK USA account indicating Account closed by credit grantor. At the same time, the previous remark Account previously in dispute Now resolved by data furnisher was removed. 
Since this update was reported, I have noticed a significant drop in my credit score ( approximately XXXX points ). I believe this change may have been reported inaccurately or in a way that unfairly affected my credit standing. 
I kindly request that you : Investigate this change with the data furnisher ( Capital One Bank USA ) to confirm the accuracy of the reporting. 
Review the impact this remark has had on my credit score. 
Correct or remove any inaccurate or misleading information from my credit report if found. 
Please notify me in writing of the results of your investigation and any corrective actions taken. I have attached a copy of the notice showing the changes to my account for your reference. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding two inaccurate accounts reported by NCB ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/year> and XX/XX/year>, both showing a high balance of {$8200.00}, one listed as a collection and the other as a charge-off. I have no knowledge or association with either of these accounts and have never authorized, opened, or agreed to any account or debt with this company.

The reporting of these accounts is false, misleading, and violates the Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collection Practices Act ( FDCPA ) for failure to ensure the accuracy and verification of reported information. These entries have caused serious damage to my credit profile and reputation. Despite multiple listings, NCB has not provided any verifiable documentation or proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I unfroze and took removed a fraud alert on my credit report with Experian in an attempt to switch my cell service to XXXX XXXX repeatedly attempted to access. My credit file was unable to stating that the freeze was still in place. I tried to follow up with Experian, but it was impossible to reach a customer representative due to their automated messaging system. It kicked me out. I hung got hung up on and I took a week and I have still not reached anyone according to XXXX. My credit credit profile is still frozen according to variety of Experian at least everything digitally. My credit profile is open. I am at an impasse. I have near perfect credit and Experian is acting like a complete gatekeeper, leaving my hands, completely tied and severely impacting my freedoms. It is absolutely ridiculous.

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 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account in dispute for recent payoff prior to repossession/sale of collateral sent and received by the company XX/XX/XXXX. 

Recent long communications and disputes during the month of XX/XX/XXXX with company over balance led wells fargo to decrease the balance, yet no balance should remain.

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 2025-11-01 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
COMPANY : Barclays Bank/ Barclays US ISSUE TYPE : Credit Card dispute AMOUNT : {$2000.00} Case # with Barclays : XXXX SUMMARY : I am filing this complaint because Barclays wrongfully denied my credit card dispute with the merchant XXXX, did not follow proper dispute, handling procedures, and closed my dispute without contacting me despite claiming they did so. I still do not have the merchandise and followed all directions provided by Barclays. 

DETAILS : I purchased a XXXX dress from set XXXX. I returned it immediately per the merchants instructions when it did not fit. The merchant falsely claimed the dress was damaged and refused the return. The attempted one delivery after my return, but I followed Barclays guidance and refused delivery. Since that day, the item has been held at the carrier facility. I do not have the merchandise.

Barclays told me the dispute was denied because they called me to request more information when I called them today. No call, voicemail, email, or other communication occurred. I had to call the company several times after attempting to fax to their number which never worked, and then mailed 17 pages of supportive documentation as to why I should not be charged. I learned that the investigation was complete and they were not supportive after logging in no communication was sent to me on their behalf.

I immediately notified Barclays and provided a written letter of intent to continue the dispute process. I followed all instructions from Barclays, and yet they closed the case without allowing me due process.

KEY FACTS : -Merchandise was properly returned to merchant EXACTLY as it was received with original tags on it after trying it on once and returning it the next day. The reason I returned it was because it was too big on me and it came in a used designer bag from a different company, which made me feel unsure about the merchandise being new and unused to begin with.

-I followed Barclays instruction not to accept reshipment after describing the circumstances to them.

-Barclays stated they attempted to contact me twice via phone. I have no voicemail from them and no missed calls, and I have been calling them constantly to hear the status of this dispute.

-merchant refused escalation, refused to speak with me over the phone, and sent repeated canned response responses.

-I still do not possess the merchandise. It is sitting in a shipping facility after refusing delivery once.

After reading reviews online I realize I am not the only one who has been treated unfairly by XXXX there is nobody to speak to in their customer service and people should be aware this is not a trusted luxury retail site!

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 2025-11-01 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by EXETER FINANCE LLC  ( Account # XXXX XXXX XXXX XXXX  ), opened on XX/XX/year> with a high balance of {$12000.00}, which is being reported as a charge-off. I have no knowledge of this account and have never entered into any agreement or financial relationship with this company. The reporting of this account is false, unverified, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for failure to ensure maximum possible accuracy of reported information. 

This inaccurate charge-off entry is severely damaging my credit profile and reputation. EXETER FINANCE LLC has not provided any documentation or evidence proving that this alleged account belongs to me or that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: OH

Complaint narrative:
I am submitting a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate and unverifiable information on my Experian and Equifax credit reports. 

The accounts and personal identifiers listed in my attached dispute letter are either inaccurate, unverifiable, or obsolete. 

I request the CFPB ensure these furnishers and CRAs reinvestigate and delete or correct all unverifiable information as required under FCRA XXXX ( b ) and XXXX ( a ). 

Supporting documentation ( credit reports with highlighted items, ID verification, and detailed dispute letter ) is attached.

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 2025-11-01 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I moved in to XXXX XXXX back in XXXX located at XXXX XXXX XXXX XXXX VA XXXX, with my ex. In XXXX of XXXX my ex and I decided to go out separate ways and went into the leasing office to see what are options were to move out. My ex wanted to stay and the apartment complex at XXXX offered me to sign and transfer over the lease agreement to my ex so I no longer would be responsible for the account. All the documents were sent thru their online portal for me and my ex to sign. Everything was all set and done. By the time XX/XX/XXXX came I no longer was responsible for the apartment at XXXX. XXXX removed all access I had in regards to the account once both my ex and I signed the transfer lease documents on their online portal. My ex was the only responsible person for the account moving forward. I got my own apartment in XX/XX/XXXX with XXXX XXXX also in XXXX. Fast forward to XX/XX/XXXX I received a debt collect on my credit score showing a joint account from XXXX XXXX  for the amount of {$4900.00}. I have been fighting this dispute since I received it and have not gotten the fair and right results back. XXXX XXXX  are trying to keep me held accountable for an apartment they allowed me to sign completely over to my ex. I am no longer responsible for the account since XX/XX/XXXX and would like this to be removed off my credit. The XXXX XXXX  has not been my responsibility since I signed the transfer lease documents back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc.
State: MI

Complaint narrative:
On XX/XX/year> XXXX XXXX  wrongfully charged me {$110.00} and and additional {$100.00} for a rental that the contract was already breached for the customer service accidently charged me the {$100.00} fee and made that mistake trying to see about modifications accidently made by the agent and it took me a month to get my money bac. The Agent switched my rental pick up date and so that Saturday i had to go get the rental. Okay great i get to the reservation spot upon getting in the car you have to screen the car and take photos of the conditions. I finally submitted the checklist before i could open the car to see that it was disgustingly filthy. I've had this happen several times before and i try my best to look past it this time it was ridiculous and anytime i have an issue with their car they ask did you call. This particular time i did! THE AGENT with XXXX advised to call the company back in a couple hours they would switch me out although i already said it was okay and i could just leave the vehicle at that moment. I make one stop to XXXX after getting off the phone with the agent an hour goes back I'm leaving the grocery store the car wont start at all. I have to call the company after about XXXX minutes the car finally starts again. The car is driving funny i let the company know as I've had this issue before they rented me a car with a low tire pressure i tried to fille the tire up later on it exploded come to find out they were supposed to reimburse me for getting the tire fixed. this particular time when i tell the agent about the car issues she can see on her system with the car not working now she's telling me they cant give me my money back or switch the defective car out after already being promised this would be resolved. The company 's tole funds from me, threatened me i have a police report the officer stated not to give them their vehicle until they gave me my money. They promised they would had random tow trucks showing up to my house lying back and forth saying i told them no they cant have their car back. Then admitted they never actually talked to me. Promised me a refund because the car was not drivable, came with no keys, filthy sticky, keeps turning off and my bank is not following through with said promise. Company cancelled my profile charged me an additional {$1500.00} lied and said i stole their car entire time it was just inoperable and stuck because they turned it off with their computer system. This company is rude, lying scammers. The security manager called and threatened me and then said i was lying about everything i said as iff the calls weren't recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
Dear CFPB / Equifax XXXX XXXX, I am submitting this dispute because a XXXX XXXX XXXX XXXX XXXX XXXX Bank ) account continues to appear on my Equifax credit report, despite multiple disputes and submission of all required identity theft documentation. This account is not mine and is a product of identity theft. 

I have already submitted the following documentation to Equifax : FTC Identity Theft Report Government-issued ID Proof of current address Written statements identifying this account as fraudulent under FCRA 605B Despite these submissions, this account continues to appear as verified, even though it is fraudulent and unverified. Under FCRA 605B, once a consumer provides an identity theft report and proof of identity, the account must be blocked and deleted within XXXX business days. Equifax has failed to comply with this legal requirement. 

XXXX XXXX XXXX has never provided any account-level validation, including the original signed agreement, charge-off statement, or itemized balance history. Their claim that validation is not required because the dispute was submitted through a credit bureau is legally incorrect. Under FDCPA 809 ( b ), reporting and collection must cease until validation from the original creditor is provided.

Additionally, the account contains inaccurate and conflicting information, sometimes showing as charged-off but active, in violation of FCRA 607 ( b ) requiring maximum possible accuracy. Dates of first delinquency are inconsistent, suggesting re-aging, which violates FCRA 605 ( c ). 

I am requesting that Equifax : Permanently delete this fraudulent XXXX XXXX XXXX tradeline under FCRA 605B. 

Provide written confirmation of permanent deletion and assurances that it will not be reinserted without full documentary verification from the original creditor. 

Investigate why repeated disputes and identity theft documentation continue to result in verified reporting rather than deletion. 

I have followed all required steps, submitted proper documentation, and filed multiple disputes. Yet the account keeps returning, causing continued stress, harm to my credit, and financial difficulty. 

This repeated verification of a fraudulent account is unacceptable and a clear violation of my rights under FCRA and FDCPA. I request urgent intervention to permanently remove this account from my Equifax credit file. 

Supporting Documents Attached : FTC Identity Theft Report Government-issued ID Proof of Address Thank you for your prompt attention to this matter. I expect immediate investigation and permanent deletion under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had credit card from Chase, I went to sea world XXXX in XX/XX/year>. Just before entering we lost my wallet so not having wallet we came back to home and we didnt enter to business so we didnt use service there. We called almost 12 times to chase credit card regarding this issue that we didnt enter to businesses why we would pay for it. 
Still credit card company charged us. Please resolve this issue and remove charges {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I attempted 8 times over the past 2 days to contact someone to discuss these charges, no one speaks english and I am put on hold for more than 14 minutes The company is pay pal and they have charged my credit card 5 times since XX/XX/year> for charges I have not authorized and I can not get anyone at Pay pal to help me I just deleted my credit card information from their file- but still - I want to get the money back from these fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation