vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
On XX/XX/year> at XXXX, I attempted to withdraw {$300.00} from an XXXX ATM. I have a checking account with Sofi that uses XXXX for ATMs. 

Terminal ID : XXXX at a XXXX in XXXX, MN. 

I requested the cash from the ATM, and it dispensed the cash. However, I did not take the money in time and the machine took the cash back. There was a message on the machine describing that it took the money back, as the cash was not taken by the customer essentially. 

The machine printed a receipt with my information that says there was a {$300.00} withdrawal and {$300.00} dispensed. 

Because I did not receive the cash, I made a second transaction at XXXX where I did take the {$300.00}. 

So, I was charged {$600.00} but only given {$300.00} in cash. 

I submitted a dispute with Sofi, which initially refunded me but after a month, they claimed that they had undergone a " thorough investigation '' and declined my dispute, taking back the {$300.00} dollars. 

I called back to appeal and request records of my ATM transactions from the machine. They said they would provide this information and that the back office would send me an email, which never did happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely, 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 2025-11-20 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: TX

Complaint narrative:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MO

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 2025-11-20 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: MO

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 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am disputing a medical debt being collected by Progressive Management Systems ( Account # XXXX ). 
The bill is for XXXX XXXX provided on XXXX XXXX XXXX while I was in ICE federal immigration custody at the XXXX XXXX XXXX XXXX. 
I did not voluntarily seek medical care I was taken to the hospital because I fell from a broken bench inside the facility. 
All medical care for detained individuals is the responsibility of the federal government, and detainees are not billed personally. Because of this, I should not have been charged for these services. 
It appears that XXXX XXXX XXXX billed me directly instead of billing XXXX. 
Progressive Management Systems is now trying to collect this debt from me, even though it is not legally my responsibility. 
I have already mailed dispute letters to both XXXX  and XXXX requesting a correction. 
I kindly ask the CFPB to help ensure : The collection activity is stopped. 
The debt is reviewed and corrected by XXXX. 
The account is closed with a {$0.00} balance. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a Capital One Quicksilver credit card after receiving a mailed prescreened offer and written promotional terms. The mailed offer and enclosed Application Terms clearly stated : 0 % introductory APR on all purchases through my XX/XX/XXXX billing period A {$200.00} cash bonus after spending {$500.00} within 3 months A {$100.00} Capital One XXXX XXXX I also applied using the same promotional link shown in the mailed offer : https : //www.capitalone.com/credit-cards/preapprove/lp/sem/quicksilver I was approved for the exact card shown in the materials ( confirmed by Capital Ones own screenshots and emails ). My physical mailer explicitly stated : 0 % intro APR on all purchases until XX/XX/XXXX, with a 28.24 % APR after that. 

However : In XX/XX/XXXX, my first statement showed an interest charge of {$88.00}, even though the 0 % APR should have been active. 
In XX/XX/XXXX, a second interest charge of {$91.00} appeared, again during the promotional period. 
A total of approximately {$180.00} in incorrect interest has already been charged in just XXXX months. 

I contacted Capital One multiple times between late XXXX and XX/XX/XXXX. 
Each representative denied the existence of the promotional APR or rewards, refused to escalate the matter, and did not review my written documentation. They also did not provide any explanation for why interest was being charged during an active 0 % APR period, despite my on-time payments. 

This has caused significant financial harm, because I planned my budget around the written 0 % APR period through XX/XX/XXXX. I support a family of XXXX, and unexpected interest charges are creating serious strain on my monthly finances. If this continues until XX/XX/XXXX, the interest will compound into hundreds more dollars that I never agreed to. 

I have attached supporting documents showing : The mailed prescreened offer with my name, address, and promised terms The Application Terms sent by Capital One confirming 0 % APR through XX/XX/XXXX The promotional webpage screenshot matching my offer The Capital One email confirming the {$100.00} Travel Credit My XXXX and XXXX statements showing interest charges My transaction/payment history, showing all payments were made on time Capital One has not corrected the issue, has not honored any of the advertised rewards, and has denied terms that I have in writing. I am requesting CFPB assistance. 

I consent to publishing this description after personal information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am writing to dispute inaccurate information appearing on my Experian credit report. These errors are causing harmful impacts on my credit score and violate the Fair Credit Reporting Act ( FCRA ). 

Experian is reporting inaccurate information that is causing harmful score impacts, including : An incorrect higher balance reported An incorrect lower credit limit An incorrect reporting that caused a decrease in the average age of accounts Incorrect data affecting my total credit limit Incorrect data affecting my credit utilization These negative factors appear to be the result of errors in how this account is being reported, not actual changes on my end. 

The reported information is not accurate, and I am requesting that Experian verify all fields of this account and correct the errors immediately. If the furnisher can not verify the data, it must be removed from my credit file. 

Requested Action : Please investigate this account and provide one of the following outcomes : 1. Correct the balance to the accurate amount 2. Correct the credit limit to the accurate amount 3. Correct any inaccurate account status reporting 4. Delete the account if the information can not be verified Please also send me an updated credit report once the investigation is completed. 

I have enclosed supporting documents that verify the correct information ( statements, screenshots, etc. ). 

Thank you for your prompt attention to this matter, as required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts on my Experian credit report. The charged off account and late payment entries appear inaccurate, and I seek clarification on their validity. 

CHARGED OFF XXXXXXXX XXXX  ( Account Number : XXXX ) Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT XXXX  ( Account Number : 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 2025-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
My lender has requested payoff from Village Capital for the last few weeks. VA loans require written payoffs and we were told to email them and it would take XXXX  business days. Our lender did this XXXX weeks ago and last week, and my husband did it this week, and we have heard NOTHING. I tried to call and talk to a supervisor, and got NOWHERE. Just the same " You need to send them an email to get this payoff quote. '' WE DID THAT MULTIPLE TIMES. We have not made a payment this month because we were already supposed to have closed on our refinance, but we can't even get there because Village Capital is not cooperating! Are they trying to mess up our refinance with our chosen lender? They sure have no issues hounding us to refinance with them multiple times a week. We are trying to refinance so that our rate can go down. Simplest refinance ever with an XXXX, but Village Capital does not want to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged debt connection with my former Progressive Insurance policy ( Policy # XXXX ). This balance resulted from Progressive 's incorrect, unsupported, and inconsistent assumptions during an underwriting review. 

On XX/XX/year>, I temporarily added an individual to my policy for XXXX hours so he could borrow my vehicle. I submitted his international drivers license, which Progressive reviewed and accepted for that temporary coverage. The premium was properly prorated for those XXXX hours, and this should be reflected in their internal logs and call recordings. 

Progressive later claimedwithout evidencethat this person should be rated as a permanent household member, despite the fact that he does not live in my home, has no residential ties to my address, and the only document ever provided ( and accepted ) indicated foreign residency, not XXXX XXXX. They now claim the same license they previously approved is invalid, contradicting their prior decision. 

Before any charges can be considered legitimate, Progressive must provide actual proofnot assumptionsthat : This individual is a permanent resident of my household, and He holds a valid U.S. drivers license that would justify permanent rating. 

Neither of these conditions is true. For this reason, the resulting charges are invalid, and I do not acknowledge any obligation to pay a balance created solely through Progressives error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXDallas XXXX XXXXExperian\XXXX XXXX XXXX TX XXXXn\nSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to 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 2025-11-20 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: AR

Complaint narrative:
I am writing to dispute the accuracy and completeness of the information on my Equifax credit report. The following items are inaccurate and should be corrected as per the guidelines of the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX Inquiries : XXXX, XX/XX/XXXX Positive Accounts : No accounts in dispute Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief