vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
In 2021, I lost my wallet in a grocery store, and soon after, a fraudulent auto loan from XXXX XXXX appeared on my credit report. I never applied for or authorized any account with this company. This fake loan has seriously damaged my credit and caused ongoing financial harm. 

I filed a police report for identity theft and submitted disputes with all three credit bureaus and XXXX XXXX, along with documentation proving the account is fraudulent. Despite this, XXXX has refused to validate or delete the account and continues to report false information. Their failure to properly investigate and respond violates the Fair Credit Reporting Act ( FCRA ) and possibly the Equal Credit Opportunity Act ( ECOA ). 

This negligence and lack of accountability are unacceptable. I am demanding a full investigation, immediate deletion of this fraudulent account, and enforcement action for XXXX XXXX violations of federal credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
I am filing this formal complaint against TransUnion, Experian, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards concerning an unauthorized hard inquiry reported by XXXX Mortgage on my credit report dated XX/XX/year>. 
I have never applied for credit, mortgage preapproval, or any related service from XXXX, XXXX, or XXXX XXXX, nor have I provided written consent or permissible purpose authorization as required by law. Despite my disputes, the inquiry remains, and none of the credit bureaus have provided verification of authorization.Violations of the Metro 2 Compliance Guidelines According to Metro 2 Format Section 6.2 and Appendix B, only inquiries with a documented permissible purpose ( such as a signed credit application, written consent, or valid service request ) may be furnished and reported.

The reporting of this inquiry without verification constitutes a Metro 2 compliance violation, as there is no documentation confirming consumer authorization.

Under Metro 2, any unverifiable or inaccurate reporting must be suppressed or deleted immediately to maintain data integrity.

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 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Follow up of complaint : XXXX To this date, I am still receiving calls and XXXX  messages. 
In addition to that I am receiving calls regarding funds available from state and fed towards the mortage. 

Not sure when this nightmare is going to end. 
I am missing important calls towards my loan closing process and am Fedup with the calls through out the day. 

Example of people contacting me : XXXX XXXX  XXXX - someone with XXXX XXXX or something as their name

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 2025-11-13 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring commercial credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted.

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 2025-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Misleading Payment Arrangement Withdrawn Capital One Long Term Payment Plan Dear Consumer Financial Protection Bureau, I am filing a complaint against Capital One Bank ( USA ), N.A. for withdrawing a Long Term Payment Plan that I was offered and ready to accept, after I was misled into believing it would remain available. 

On XX/XX/year>, I received a call from Capital One with an offer for a Long Term Payment Plan of 60 months at a 7.99 % interest rate, with monthly payments of {$86.00}. 

The first associate ( whose name I was not given ) explained the offer. I told him I wanted to speak to a supervisor to get more details before accepting, and he assured me that the offer would still be available after transfer. 

However, once I was transferred to Supervisor XXXX ( ID XXXX ), I was told the offer was no longer available. I called back the same day ( XX/XX/XXXX ) and spoke with XXXX ( ID XXXX ) and XXXX ( ID XXXX ), but they confirmed the offer could not be reinstated. 

I later requested an investigation, and on XX/XX/year>, at XXXX XXXX, I received a call from XXXX ( ID XXXX ) at XXXX, who informed me that nothing could be done. 

The address provided for Capital One is : Capital One, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, UT XXXX. 

I am currently unemployed and unable to afford the {$380.00} payment that Capital One now demands. The {$86.00} plan they offered was reasonable and within my means, and I intended to proceed with it once I had all the details. 

This feels unfair and misleading, as I never declined the offer and was assured it would remain available. I respectfully request that the CFPB investigate this matter and require Capital One to honor the original payment plan offered to me. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I asked for the complete verification package the payment ledger, monthly billing statements leading into default, default/acceleration notice, and the charge-off calculation tied to the account. Its been months, and Ive received nothing but automated letters and another copy of my credit report, which I already had.Lets be clear verification under the FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) means the CRA and furnisher have to perform a reasonable investigation using actual source documentation, not just electronically confirm the data they already have on file. 
To verify a charge-off, they must produce : The full payment and transaction ledger ; The monthly statements showing how the balance reached charge-off ; The default or acceleration notice ; The charge-off/deficiency balance calculation ; and Any UCC or deficiency sale documentation, if applicable XXXX 
Anything less than that is not verification. Sending me a copy of my credit report, stating I have a third party working on my credit, or flagging my file for identity theft when I never claimed that none of that qualifies as validation. 
I've disputed the Target/TD Bank charge-off thats still being reported across all three credit bureaus. The reporting is completely inconsistent, which violates XXXX XXXX factual reporting standards. 
Account numbers dont even match XXXX  shows a shortened or truncated number, while XXXX  and XXXX  show different versions. 
High Balance is listed as {$0.00} on XXXX  but {$780.00} on XXXX  and XXXX. 
XXXX XXXX shows {$0.00} on XXXX  but {$500.00} on XXXX  and XXXX. 
Date of Last Activity and Date Reported are all different by bureau. 
The payment-history grids are not the same XXXX  shows XXXX, XXXX  has long XXXX XXXX, and XXXX  XXXX incomplete. 
XXXX XXXX XXXX Data Furnisher Reporting Guidelines, fields like Account Number, Credit Limit, High Credit, Date of Last Activity, Date Reported, Account Status, and two-year payment history must all be accurate, complete, and consistent across CRAs. These are not. 
XXXX  also marked this account verified, yet they never provided a single document to prove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC is reporting a debt of {$690.00} as of XX/XX/year>. I have never had an account with this company, I have no signed promissory note with them I asked to produce tit and they can not. This collection is not my account. I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I SUBMIT A COMPLAINT EVERY YEAR. BUT " XXXX XXXX XXXX '' NOW THROUGH " RADIUS DEBT COLLCETION '' CONTINUES TO ASK ME FOR MONEY NOT OWED. IT'AS THE THIRD YEAR ION A ROW. I SUBMIT A CLAIM, THEN THEY STOP COLLING AND THEN TEHY START AGAIN A COUPLE OF MONTHS LATER. 

PREVIOUS CLAIM SUBMITTED AGAINST " XXXX XXXX XXXX  '' AND THEN AGAINST " XXXX XXXX XXXX ''. 

XXXX XXXX XXXX XXXX  XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP
State: FL

Complaint narrative:
My mother and me are currently refinancing her home and are both on the loan with US Bank. We had to be together for closing so I flew her down to FL with me to sign all the documents. They had a loan company send a public notary to my home to sign all the closing documents on XX/XX/XXXX and we signed all the paperwork which had all our personal information on them and after we signed them US bank said that the paperwork was lost! LOST?! With all our personal information! Now US bank is trying to charge my mother and me around XXXX dollars to resend a notary to my home again to sign the closing paperwork again. Why should we have to pay for the closing paperwork again when they lost the first paperwork. I am very upset right now especially because they are trying to charge us for their mistakes and also our personal information on that paperwork is missing! We arent sure what to do now.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
This complaint is a Method of Verification ( MOV ) request directed to LexisNexis Risk Solutions regarding a XXXX  XXXX bankruptcy LexisNexis is reporting in my consumer file and providing to the nationwide credit bureaus. 

LexisNexis is reporting a XXXX  XXXX bankruptcy under my name. I previously disputed this item directly with LexisNexis. In response, LexisNexis stated that it verified the bankruptcy using PACER and by matching my personal identifiers ( address and last four digits of SSN ) with what the nationwide credit bureaus have on file. The response focused on opt-out information and did not provide a meaningful description of the procedures used to verify the bankruptcy, nor did it clearly identify any lawful furnisher of the information. 

Through this CFPB complaint, I am submitting a focused MOV request and asking LexisNexis to answer the following, in writing, point by point : 1. Identify the actual source or furnisher of the bankruptcy information that LexisNexis relies on, including the full business name, mailing address, and telephone number ( for example, any court, court clerk, or third-party vendor that furnished this record to LexisNexis ) .

2. State clearly whether LexisNexis obtained this bankruptcy directly from a court or indirectly through any third-party data vendor, aggregator, or intermediary. If any vendor or intermediary was used, identify that entity by full name, address, and phone number.

3. Provide a detailed description of the procedures LexisNexis used when it claims it verified this bankruptcy after my dispute, including : What databases or systems were accessed ; What specific information was compared ( for example, only name/SSN/address, or the underlying court docket entries themselves ) ; How the verification was documented internally ; and What criteria LexisNexis used to conclude that the bankruptcy is accurately associated with me.

4. Explain whether LexisNexis received or relied on any independent verification from a lawful furnisher ( such as a court clerk or an entity that formally furnishes public-record data to LexisNexis ), beyond simply viewing my information in PACER and matching identifiers. 

5. If LexisNexis can not identify and document a lawful furnisher and a complete verification procedure for this bankruptcy that satisfies its obligations under the Fair Credit Reporting Act, I am requesting that LexisNexis delete this bankruptcy from my LexisNexis file and notify any downstream consumer reporting agencies that received this record from them so it can be corrected or removed. 

This is a targeted MOV request. I am asking LexisNexis to directly address each of the numbered items above instead of sending a generic form response or repeating prior language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: TX

Complaint narrative:
THIS LATE PAYMENT ENTRY DOES NOT REFLECT MY PAYMENT HISTORY.

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 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I registered for this credit card. I tried to pay the bill at Academy and they said they couldn't take the payment. I got an unrealistic late charges. My dad finally figured out how to pay the bill and paid it off. The next month I start getting charged {$7.00} with a {$3.00} late. I haven't used the card. So we call and complain and shut down the card. This month I get the same charges. This company is a joke and abusing young people trying to build credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Lambert LLC
State: LA

Complaint narrative:
I am filing this complaint because I believe Couch & Lambert, the debt collector handling my XXXX XXXX XXXX account, has acted in a way that is misleading, unprofessional, and has left me without any meaningful way to resolve my debt. 

I made consistent monthly payments to Couch & Lambert for approximately XXXX months. Then, without any warning or explanation, all communication from them stopped. I attempted to call multiple times, but my calls were never answered. I fund an email address online and did not receive a response. If Couch & Lambert attempted to contact me, they never once left a voicemail, which means I had no way of knowing they were trying to reach me. I also never received any mail or written communication after my payments suddenly stopped being accepted. 

More than a year later, I received a letter stating that my wages were going to be garnished. This was the first communication I had received in over a year. I immediately attempted to contact Couch & Lambert to understand the situation, but all of my emails went unanswered. I finally received XXXX phone call, but the representative told me she could not speak to me about my own account due to a validation hold, which I was never notified about and which still has not been explained. 

During that call, the representative also advised me to seek legal counsel. I want to make it clear that I am not a criminal who requires legal representation. I am a confused and frustrated consumer who has been trying, in good faith, to pay my debt. I should not need an attorney to discuss my own personal financial situation or to obtain basic information about my account. Being told to seek legal counsel only added to my fear and confusion and made me feel like I was being treated as an adversary rather than a real person experiencing real financial difficulty. 

At this point, I have no idea whether the 18 months of payments I made were ever applied to my debt, what the current balance is, or what steps I need to take to resolve this matter. I have been left completely in the dark despite attempts to contact Couch & Lambert in good faith. The lack of communication has caused me significant stress, fear, and confusion, and I feel entirely powerless. 

I am requesting that the CFPB investigate Couch & Lamberts handling of my account, require them to provide me with a full accounting of my payments and balance, and ensure that I am given a fair and transparent path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my credit file must include only information that is accurate, complete, and verifiable. I am therefore asking that these late payment entries be investigated and verified, and if they can not be substantiated, that they be promptly corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
BESTBUY CREDIT CARD CHARGED ME OVER {$3200.00} FEE ON MY CREDIT CARD ACCOUNT

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these collection entries be thoroughly reviewed, and if they can not be confirmed as accurate, they should be promptly deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were made in my name, and these companies pulled my credit report without my consent or authorization. I neither recognize these fraudulent inquiries nor applied to these companies. This blatant misuse of my personal information is both distressing and insulting, and it violates my rights as a consumer and a law-abiding 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