vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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 am filing a formal complaint because several accounts were fraudulently opened in my name without my knowledge or consent. These accounts were reported to the credit bureaus and have negatively impacted my credit report. I submitted a dispute along with documentation including a sworn Affidavit of Truth, my FTC Identity Theft Report, and supporting records, but the credit bureaus and data furnishers have failed to remove the accounts in compliance with the FCRA 605B identity theft protections. 

The accounts in question include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts These were reported across Experian, Equifax, and TransUnion. I did not authorize or open these accounts and have taken all required steps to notify the credit bureaus under federal law. I am requesting immediate removal of these fraudulent accounts and compliance with FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to follow up on a recent debt verification submitted through the CFPB. The response I received from the company did not match the original creditor or debt collector listed on my credit report. 

Details of the Discrepancy : The company currently reporting the debt : [ Insert company name as listed on your credit report ] The company that responded to the CFPB dispute : [ Insert name of company that responded ] Account number : [ Insert last XXXX digits or full account number ] Date of original dispute : [ Insert date you filed the CFPB complaint ] This discrepancy raises concern about : XXXX. Proper debt ownership and legal standing of the responding company. 


XXXX. Chain of assignment, which was not clearly proven. 


XXXX. Possible violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to incorrect reporting and lack of full verification. 



I respectfully request that the CFPB require the company to : Provide a full chain of assignment ( all documents showing the debts transfer from the original creditor to the current one ). 

Explain why the verifying company differs from the reporting company. 

Remove the account from my credit report if they can not prove legal ownership or accurate reporting. 


I am requesting a full investigation and assistance in having this item corrected or removed if found to be inaccurate or unverifiable. 

Thank you for your time and assistance. 

Sincerely, [ Your Full Name ] [ Your Address ] [ Your Email/Phone ] [ Date ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received a denial letter from Capital One regarding a credit line increase request for my XXXX credit card. The reason listed was There is legal action pending against the applicant. 

Ive never been notified of any legal action, and I immediately pulled my full XX/XX/XXXX credit report ( dated XX/XX/XXXX 2025XX/XX/year> ), which clearly shows no public records, no lawsuits, no judgments, and no open legal collections. There is no indication of any legal action pending not in my credit file or in my personal financial history. 

Whats even more frustrating is that I began disputing and investigating this exact issue back in XXXX and XX/XX/year>2025, after similar vague denials and red flags appeared. I contacted Capital One multiple times by phone and secure message, requesting a written explanation and disclosure of which data source they were using ( credit bureaus, internal flags, XXXX, XXXX, etc. ). I never received a direct answer. 

Now its XXXX, and the same vague, unsupported denial reason is being used again even after XXXX months of trying to get clarification and resolution. I have verified that : My Capital One auto loan is closed and paid My student loans are not in collection and were deferred at XXXX point I have no lawsuits, no civil judgments, and no bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00}, Last Date Account was verified : XX/XX/year>, Date of Last Activity : XX/XX/year>, Owed Balance : {$0.00}, Last Date of Payment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00}, Last Date Account was verified : XX/XX/year>, Date of Last Activity : XX/XX/year>, Owed Balance : {$0.00}, Last Date of Payment : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need then blocked and deleted from my report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
Dear CFPB Representatives, I am reaching out to you with a serious problem that is causing me significant financial and emotional harm as I have discovered XXXX unauthorized credit inquiries in my Experian credit report that were made without my consent or knowledge. These fraudulent inquiries include XXXX XXXX XXXX on XX/XX/XXXX, XXXX CARD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXXXXXX on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, EXPERIAN XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX4XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX AUTO on XX/XX/XXXX, XXXX OF XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX and XXXXXXXX XXXX on XX/XX/XXXX. Particularly alarming is the fact that on XX/XX/XXXX, XXXX inquiries were made in a single day, and on XX/XX/XXXX, XXXX more inquiries were made, which clearly indicates fraudulent activity or identity theft as no reasonable consumer would apply for so many credit applications in one day. I have never applied for credit with these companies on the specified dates and these unauthorized inquiries have seriously damaged my credit score and reduced my creditworthiness, limiting my ability to obtain credit on favorable terms in the future. These actions constitute a direct violation of Section 605 ( b ) of the Fair Credit Reporting Act which requires a permissible purpose for obtaining consumer credit information, and since I did not consent to these inquiries, these companies had no legal basis for obtaining my credit information. I respectfully request that CFPB conduct an investigation into this violation, demand that Experian immediately remove all XXXX unauthorized credit inquiries, ensure sanctions are applied to companies that violated Section 605 ( b ) FCRA, and help restore my credit score to its state prior to these fraudulent actions. This situation is causing me serious stress and financial difficulties and I rely on your assistance in protecting my consumer rights and restoring justice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
Experian had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligns with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX I borrowed money for my medical office to pay for office and build out It was a line of credit abr not a mortgage I never missed a payment The original bank was XXXX. Wells Fargo took over In XXXX the loan was rewritten at a lower interest rate from about XXXX to about XXXX. I provided wells fargo ( WF ) with all the information they requested and had no issue havigg nf this transaction completed. In all the years I never received a request for commercial insurance but I always had it for the premises Thr loan number was XXXX. In XXXX I sold the office I owed XXXX aprox I had borrowed about XXXX or more At Thr closing I expected to pay the XXXX ( I could be off but its not about the payoff ) a day before Thr closing I was notified WF was billing me an additional XXXX for forced placed insurance from XXXX They never asked me for insurance never notified me they were getting forced placed insurance and never provided such a policy. I spent a week of my vacation locating my policies from XXXX. 
They closed the case and created a new one and then never followed up They said they would follow up in XXXX days. That time has elapsed. I called XXXX XXXX at Wf ( prior to him was XXXX XXXX The ref number is XXXX XXXX is not returning calls I getting email from WF saying they cant send me email and at the same time getting emails about the case at XXXX different email addresses My daughter is starting law school and I need my XXXX I had insurance ( good insurance ) I provided it prior to XX/XX/XXXX This is fraudulent and also extortion Can you help XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
XXXX XXXX XXXX is reporting a debt to the credit bureaus ( Experian, XXXX XXXX ) that I have formally disputed and requested validation for under the FDCPA. They have failed to provide a signed contract, itemized balance, or proof of assignment.

I have also sent them a formal notice electing binding arbitration under the Federal Arbitration Act and the original creditor agreement. Despite this, they continue to report the account, which violates my rights under 15 U.S.C. 1692c ( c ) ( cease communication ), 1692g ( b ) ( failure to validate ), and 1681s-2 ( b ) ( furnishing inaccurate information ). 

I am requesting that XXXX XXXX XXXX immediately cease all collection activity, stop reporting this unverifiable debt, and acknowledge my arbitration election. I am also requesting that the credit bureaus delete the account due to LVNVs failure to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a debt to the credit bureaus ( XXXX, Equifax, XXXX  ) that I have formally disputed and requested validation for under the FDCPA. They have failed to provide a signed contract, itemized balance, or proof of assignment. 

I have also sent them a formal notice electing binding arbitration under the Federal Arbitration Act and the original creditor agreement. Despite this, they continue to report the account, which violates my rights under 15 U.S.C. 1692c ( c ) ( cease communication ), 1692g ( b ) ( failure to validate ), and 1681s-2 ( b ) ( furnishing inaccurate information ). 

I am requesting that XXXX XXXX XXXX immediately cease all collection activity, stop reporting this unverifiable debt, and acknowledge my arbitration election. I am also requesting that the credit bureaus delete the account due to XXXX  failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I pay my bill but the company adds extra fees when Im late so its making my payment stay the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: U.S. BANCORP
State: WA

Complaint narrative:
I am filing a dispute regarding a misleading and possibly fraudulent charge made to my credit card. 

I applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a website called " immi-assist.online, '' which appeared to be an official or affiliated website. The website misrepresented itself as being associated with the South Korean government and offered visa processing services. I believed I was on an official site. 

I was charged an excessive amount far beyond the actual XXXX government fee, which is approximately {$7.00} {$10.00} USD. The site charged me {$100.00} USD without clearly disclosing the final price beforehand. 

After realizing the mistake, I verified with the official XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that this third-party site was not authorized or affiliated. 

Please help investigate and intervene as this appears to be a case of misrepresentation and online deception.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I paid a routine healthcare bill using my Capital One XXXX credit card. The total charge was {$2100.00}, which included a standard credit card processing fee from the vendor. There was no indication from the vendor that this would be treated as a cash advance, and it was not my intention or expectation for it to be processed that way. 

However, on XX/XX/year>, I discovered that Capital One had processed the transaction as a cash advance and charged me a cash advance fee, along with related interest. I immediately contacted Capital One customer service. 

The representative told me he was unable to take action and claimed he couldn't even " click the option '' to address the issue. I was told it was impossible to remove the fee, even after I explained that the transaction was not a cash advance and had no features of XXXX. 

In over XXXX years of credit card use, I have never initiated a cash advance, nor have I ever been charged XXXX. This fee was assessed without my authorization and for a service I never requested or used. I believe this charge is inappropriate and must be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am disputing this XXXX XXXX charge of {$1400.00} because I called to cancel my membership, but they told me I had to pay to cancel. I chose not to pay the cancellation fee, and instead of resolving the issue, they kept charging me and eventually sent the account to collections. XXXX of their employees admitted it was a mistake and said it would be fixed, but it never was. I did not use the gym, and I should not be charged. This account should be removed from my credit report.

Company response to consumer: Closed with explanation