vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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 a dispute for the following accounts on my Equifax credit report. Please review the information and update it as needed under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Accounts : ( No accounts listed for XXXX in this case. ) Inquiries : XXXX  Date Open : XXXXXXXX XXXX XXXX Date Open : XXXX Late Payments : DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-07 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
What happened : I disputed a {$5000.00} charge from XXXX XXXX XXXX  dated XX/XX/year>. Capital One opened a fraud investigation ( Case # XXXX ) and later denied it.

When I requested the documentation supporting that decision, Capital One representatives confirmed they did not have any merchant evidence ( no signed authorization, no proof of service delivery, or communication records ) and that the decision was made based on the terms and agreements of my credit-card contract.

Because Capital One admits it had no merchant evidence yet still denied the dispute, the decision appears to have been made without a reasonable investigation, contrary to the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and CFPB Regulation Z ( 12 C.F.R. 1026.13 ).

Why I am filing this complaint : Capital One has failed to meet its obligations to : Obtain and review documentation from the merchant to verify authorization of the charge.

Provide me copies of the evidence relied upon to reach its determination.

Conduct a reasonable investigation before closing the dispute.

The banks own admission that it lacked merchant evidence but denied my claim anyway demonstrates non-compliance with FCBA requirements.

What I would like resolved : Reopen my dispute and perform a complete investigation that includes obtaining documentation from the merchant.

Provide me with copies of all materials used to make any determination.

If the merchant can not provide proof of authorization or fulfillment, issue a credit for the disputed {$5000.00} charge.

Ensure Capital Ones dispute process complies with the FCBA going forward.

Optional attachments ( if you have them ) : Capital One denial letters or secure-message transcripts stating they have no evidence.

Any prior correspondence referencing Case # XXXX. 

( Optional ) Proof of payment or card statement showing the {$5000.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
I have requested that Portfolio Recovery Associates , LLC to provide me with debt validation documentation to ensure that I am paying the correct amount requested. After reviewing my past payments, it appears that the debt amount is incorrect. I initially made the request for this information on XX/XX/year>. There was no response and I requested this information again on XX/XX/year>. However, they still decided not to respond. I made my last attempt to receive this information on XX/XX/year>. There was again no response but theyve decided to submit damaging information to the credit bureaus instead. This is completely against my rights and illegal based on the Fair Debt Collection Practices Act ( FDCPA ). Companies like this need to be held accountable for these violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-11-07 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 submitting this dispute to Experian regarding the following accounts in dispute. Kindly verify the status of these charged-off accounts and correct any inaccuracies. 

CHARGED OFF XXXX : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX  : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$6100.00} Bankruptcy : Account # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} LATE PAYMENT XXXX XXXX : Account # 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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITIBANK closed my account. There is a balance of {$3100.00} on hold which they are refusing to provide me details on how I am able to release the hold on those funds. 
After XXXX complaint via CFPB, they issued me a letter : Citi XXXX XXXX : XXXX " Total amount of {$3100.00} is currently on hold. We suggest that you contact the issuer of the electronic credits and/or the originating financial institution, XXXX XXXX XXXX XXXX and request that they contact the appropriate servicing team. The originating financial institution will need to send a recall request directly to Citibank along with a completed XXXX XXXX XXXX, which may also be referred to as a hold harmless form. They can return the completed form to the email below. '' However, upon calling or emailing CITIBANK, they did not provide details that allow for a resolution : XXXX ) Which date ( XXXX ) and amount ( XXXX ) of eletronic credits from XXXX need to be recalled XXXX ) Which " appropriate servicing team '' should XXXX reach out to XXXX ) Citibank did not provide the " form '' as mentioned in their 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 2025-11-07 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: NJ

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 2025-11-07 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: NJ

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 non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I am writing to formally dispute certain items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the accounts in dispute, separated by each credit bureau. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$36000.00} UNAUTHORIZED COLLECTION, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$260.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$770.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-07 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: NV

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 2025-11-07 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: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX, XXXX, and XXXX. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet XXXX XXXX compliance standards. Under Section XXXX, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within XXXX ( XXXX ) days as required by law. 

Account Name : 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 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
It fails to express my authentic financial position.

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 2025-11-07 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: NV

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a baby at the beginning of this year. Unfortunately due to unforeseen circumstances my maternity leave had to be extended to care for my baby and my job let me go at XXXX weeks. I lost not only pay for 4 months but when i did find a job it was a significant paycut to what i was making before and i now have a baby to pay for things for. Im facing hardship as i accumulated debt in order to pay for necessities to live and now I have outstanding debt to income and can not afford to pay the high credit cards bills. I have requested a payment plan with all my credit cards and every single one has worked with me on a harship repayment except chase. I owe the most to chase as well and they are just continue to deny me any options other then to pay my very high credit bill to become current which my electric bill and diapers are unfortunately a priority at this point. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Move in XX/XX/XXXX Notice given XX/XX/XXXX Reason - Illness or skilled care needed : Form completed by physician and returned. 
Final out : XX/XX/XXXX Today, I remain under physicians care and preparing for a second XXXX. I received no notice the incorrect amount was sent to a collection company. I was also waiting to her from another apartment rep, who ghosted and was correcting her information after I sent the final out statement based on the accommodation form, which was approved. This reason was indicated on the final bill. Again, it is not $ XXXX, its estimated at $ XXXX, in which I agreed. The rep with Columbia dba Genesis located this amount. This company only states previously that they are not contacting me. I placed all the calls, sent numerous emails and was ignored. Supporting documents were sent. These were actions taken by me prior to send a cease and desist letter of reporting absolutely incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, TransUnion and Experian are governed by USC XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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