vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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:
This entry includes inaccurate data that misstates my financial responsibility. Please amend my account to ensure accuracy and fairness.

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 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I believe these accounts contain inaccuracies and are being reported in error. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a disputed charge originating from a merchant using deceptive subscription and billing practices. I have been a Capital One customer since XX/XX/1998, and despite my long-standing account history, Capital One failed to conduct an independent and good-faith investigation as required under the Fair Credit Billing Act ( FCBA ) and related regulations. 
Capital One relied on the merchants assertionsprovided through XXXXrather than performing the independent review required under 12 CFR 226.13. The charge in question involves an app marketed specifically for individuals with XXXX. I have never been diagnosed with XXXX nor do I have any symptoms associated with the condition. There is no reasonable basis to conclude that I would knowingly purchase or authorize recurring charges for a product intended for a XXXXXXXX XXXX I do not have. 
The merchant appears to be engaged in deceptive negative option practices, consistent with FTC guidance and 16 CFR Part 425. Numerous consumers have reported nearly identical experiences : signing up for what appears to be a limited trial, only to be unknowingly enrolled in recurring charges due to buried terms, preselected options, or unclear disclosures. This indicates a systemic pattern of deceptive or unfair billing practices. 
Under the FCBA ( 15 U.S.C. 1666 et seq. ), a creditor must conduct a reasonable investigation of a disputed charge and can not simply defer to the merchant. In this case, Capital One dismissed substantial evidence of deceptive merchant behavior and provided no indication that any meaningful independent review occurred. This failure places consumers at significant risk and undermines the protections mandated by federal law. 
Impact on Me Capital Ones decision has left me financially responsible for charges I did not authorize and for a product that is logically and medically irrelevant to me. As a customer of nearly 30 years, I no longer feel that Capital One is meeting its obligations to safeguard consumers. This has caused financial harm, loss of trust, and the need to pursue regulatory and legal escalation. 
Requested Resolution I am requesting that the CFPB : 1. Review Capital Ones handling of my dispute for compliance with the FCBA and CFPB regulations. 
2. Require Capital One to conduct a legally compliant, independent investigation. 
3. Require Capital One to issue a credit for the unauthorized charges. 
4. Evaluate the merchants practices for potential violations of FTC rules regarding deceptive negative option billing. 
5. Ensure that Capital One takes corrective action to prevent similar failures for other consumers. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of an item listed on my credit report. After reviewing my credit report dated [ insert date of the report ], I noticed that the account referenced below is inaccurately being reported as charged off every month, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX According to the FCRA, an account can only be charged off once, and it should not reflect multiple charge-offs on my credit report. This repeated reporting misrepresents my credit history and undermines my financial standing. 

I kindly request that you investigate this matter and correct the inaccuracies. Please provide me with written confirmation of your findings and any actions taken to resolve this dispute. Enclosed are copies of my credit report highlighting the disputed account, along with any other relevant documentation. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-11-25 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-11-25 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-25 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am currently serving on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during XXXX XXXX XXXX  and were not properly adjusted in accordance with the XXXX XXXX XXXX XXXX ( XXXX ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the XXXX and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint because my credit file continues to report unauthorized and inaccurate information that I did not open, authorize, or consent to, and that I timely disputed. 
I have supporting documentation, including an FTC report ( Report/Confirmation : XXXX, dated XX/XX/XXXX ). 
Despite this documentation and repeated disputes, the credit file still reflects the following disputed items that must be blocked/deleted : 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 XXXXhis reflects noncompliance with the FCRAs requirements to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) and to block/delete fraudulent/unverifiable information upon receipt of an FTC report ( 15 U.S.C. 1681c-2 / FCRA 605B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MA

Complaint narrative:
I filed for a Trademark on my comic on XX/XX/2025 with the US Trademark office. 
Immediately after I was bombarded with companies claiming to be the USPTO and demanding I pay before someone else claims my trademark. I ignored most of these until I was contacted by what I now know is SNAPGROW Limited. They were very convincing because all of my information is public ( which I am also very unhappy about ) on the USPTO website. 

If one goes onto the website, the status of my trademark shows that it's still being processed. I paid the company and when I looked at my credit card statement it listed the merchant as XXXX XXXX based out of XXXX. I immediately disputed this with the credit card company. The next day they called and harassed me about disputing the charge to the point where I blocked the number they were calling me from. Citi did an investigation and claimed I was responsible for the purchase. 
I called back and told them it was a fraudulent company pretending to be something they're not. I have charges from the actual USPTO on my card and right next to it, charges from a company based out of XXXX who also contacted me during the government shutdown. 

I let Citi know all of this and that I have any information they might require to back my claims. They reopened the investigation and recently closed it saying I'm once again responsible. 
They provided me with " proof '' on which states that XXXX XXXX is a " XXXX XXXX XXXX providing services related to designs, websites, and emcommerce etc '' The fact that it lists itself as a marketing agency and is based out of XXXX is enough proof that this is not the USPTO and that the charge is fraudulent. Livid, I called Citi again and demanded to speak with the investigator or case worker for my dispute but they can only be contacted via email.

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 2025-11-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 am filing a complaint about Experians credit reporting and failure to properly handle my written dispute under the Fair Credit Reporting Act ( FCRA ). 

I have a collection account from XXXX XXXX XXXX on my Experian credit report with a balance of about {$6900.00}. I already sent Experian a written dispute by mail. I included my ID, proof of address, and a detailed dispute letter. Experian never gave me proper investigation results and the account is still reporting as a negative collection. 

The XXXX XXXX account on Experian is missing important information and appears to be reported incorrectly. The Date of First Delinquency is not shown on my Experian report, the terms and balance information do not make sense for this type of collection, and the account may be using the wrong dates and coding. Other credit bureaus show different information for the same debt, which means at least one bureau is wrong. 

I already tried to fix this directly with Experian by mail and they did not correct the errors. I am now asking for help through the CFPB because this is hurting my credit and Experian has not followed the FCRA properly.

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