vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-16 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: WA

Complaint narrative:
I am a XXXX XXXX XXXX. A client was charged {$1100.00} on XX/XX/XXXX, for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The service was completed in full on XX/XX/XXXX. On XX/XX/XXXX, the client filed a chargeback with Citibank claiming the service was not as described. 

I responded through my merchant provider ( XXXX ) within the XXXX deadline and submitted strong evidence : a signed service contract, before-and-after photos, video, security footage, and texts from the client expressing satisfaction. 

However, XXXX never notified me of the dispute resolution, never shared documentation, and denied me access to the issuing bank. Only after repeated follow-ups in XXXX did XXXX finally XXXX the name of the issuing bankCitibank. But by then, the case had been closed and I had no opportunity to appeal or submit additional evidence directly. 

The client has retained the hair extensions and also posted false reviews online after receiving the full service. I believe this chargeback was filed under false pretenses, and I was denied a fair process by both Citibank and XXXX. I mailed a formal appeal with supporting evidence directly to Citibank, but I have not received any response or acknowledgment.

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 2025-05-16 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:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hard Inquiries to Be Reviewed and Removed : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX ( duplicate inquiry ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report. 
They are hurting my ability to obtain credit

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : XXXX XXXX XX/XX/year> TransUnion These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX ( USA ), XXXX. 
Attn : Credit Reporting Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Dispute of Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account as it appears on my credit report. I have reviewed my records, and I believe the reported late payment is inaccurate, unverifiable, and violates federal law.

According to 15 U.S. Code 1666b, a creditor is prohibited from treating a payment as late unless they have adopted reasonable procedures to ensure that periodic billing statements are mailed or delivered to the consumer at least 21 days before the payment due date. I have reason to believe this requirement was not met in this case, and I am therefore challenging the legitimacy of the reported delinquency.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), I am requesting the following : That you conduct a full investigation into the accuracy of this reported late payment.

That you provide verifiable documentation proving the late payment was valid, including evidence that my statement was mailed or delivered with the proper 21-day notice.

That, if you can not verify the accuracy of the reported late payment, you immediately delete this derogatory information from all credit reporting agencies to which it was submitted.

Please provide a written response to this dispute within the time frame required by federal law ( generally 30 days ). If this error is not corrected, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the appropriate state consumer protection agency.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( USA ), XXXX. 
Attn : Credit Reporting Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Dispute of Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account as it appears on my credit report. I have reviewed my records, and I believe the reported late payment is inaccurate, unverifiable, and violates federal law.

According to 15 U.S. Code 1666b, a creditor is prohibited from treating a payment as late unless they have adopted reasonable procedures to ensure that periodic billing statements are mailed or delivered to the consumer at least 21 days before the payment due date. I have reason to believe this requirement was not met in this case, and I am therefore challenging the legitimacy of the reported delinquency.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), I am requesting the following : That you conduct a full investigation into the accuracy of this reported late payment.

That you provide verifiable documentation proving the late payment was valid, including evidence that my statement was mailed or delivered with the proper 21-day notice.

That, if you can not verify the accuracy of the reported late payment, you immediately delete this derogatory information from all credit reporting agencies to which it was submitted.

Please provide a written response to this dispute within the time frame required by federal law ( generally 30 days ). If this error is not corrected, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the appropriate state consumer protection agency.

Thank you for your immediate attention to this matter. I look forward to your prompt 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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
I did co-sign for a XXXX XXXX XXXX XXXX XXXX XXXX ) for my granddaughter around XX/XX/XXXX. By Late XX/XX/XXXX, my credit and signature was used for her to purchase a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have asked repeatedly for copies of the paperwork with my signature indicating that it is my signature but nothing have been shared with me to date.My credit is damaged with a {$33000.00} loan that I did not sign for. I would like a copy of the paperwork use to charge me with this loan and for it to be removed from my credit reports. XXXX XXXX of XXXX XXXX XXXX refuse my request for copies of my alleged signature. I have written letters to XXXX XXXX and Honda Financial Services with my request which included my notarized signature indicating that I did not sign for this XXXX XXXX. The company has taken no action and I do not understand why they will not share this paperwork they say has my signature with me. I would greatly appreciate any help you are able to provide to me. I will be writing the credit bureaus disputing this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Subject : Contradictory Responses from Capital One and XXXX XXXX XXXX XXXX XXXX Regarding Missing Payment and Credit Status Company : Capital One Debt Collector : XXXX XXXX XXXX XXXX XXXX Complaint Summary : This is a follow-up complaint regarding an unresolved payment dispute and contradictory responses received from Capital One in connection with XXXX XXXX XXXX XXXX XXXX. 

I made ten payments between XX/XX/year> and XX/XX/year> and submitted copies of all ten money order receipts as proof. Despite this, I am being told that only nine payments were received. 

The responses from Capital One to the CFPB have been inconsistent and misleading : In one letter to the CFPB ( complaint # XXXX ) XXXX XXXX XXXXXXXX stated that a credit was applied to my account and that the resolution was in my favor. 
In a second letter to the CFPB ( complaint # XXXX ) Capital One claimed that the credit applied was only a temporary credit. 

These are clear contradictions. When I called Capital One for clarification, I was told they intended to void the credit, despite my having already submitted valid proof of all ten payments. 

To make matters worse, Capital One and XXXXXXXX XXXX XXXXXXXX continue to demand additional proofspecifically, the full purchase order number for the missing paymenteven though I have already provided money order receipts for all ten payments. They have refused to identify which payment they claim is missing, which prevents me from responding in any meaningful way. 

Resolution Requested : 1. Capital One and XXXXXXXX XXXX XXXXXXXX must clarify whether the credit issued was permanent or temporary and explain the contradictory responses made to the CFPB. 
2. They must also explain why they plan to void a credit they previously acknowledged as valid and in my favor.

3. They should identify exactly which money order/payment they claim is missing, rather than continuing to make vague and shifting demands.

4. Finally, they must accept the documentation already submitted, stop shifting the burden, and resolve this matter in a fair and final manner. 

I am asking for the CFPBs continued assistance in ensuring that these companies are held accountable for misleading and evasive behavior. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 recently received a copy of my credir report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. These inquires were not authorized by me or did anyone have my permission to do so. 

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

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 2025-05-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
* I do not want a copy of my credit report mailed to me, I can view it online * I have contacted all 3 credit bureaus numerous times due to a XXXX account that was used fraudulently when I was the victim of identity theft and had multiple accounts opened and also my accounts taken over, I was told I needed a police report and an FTC Identity Theft report and I have both of them. It clearly shows in the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 
In spite of this, the credit bureaus continue to not block the XXXX account that was hacked into and used fraudulently when my identity was stolen. The account has been reporting for months after I have submitted all the necessary documents and nobody from the bureaus has reached out to help or gather more information.

Company response to consumer: Closed with explanation