vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-01 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:
I am submitting this formal complaint regarding multiple inaccuracies, unverified accounts, and unauthorized inquiries on my credit reports. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 604, 605B, 607 ( b ), 611, and 623, and the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ). These inaccuracies are harming my creditworthiness, and I demand immediate investigation and corrective action. 
Account Disputes XXXX Account XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Charge Off * * I have no knowledge of this account. I dispute the validity, ownership, and reporting. Reporting this account as a charge-off is inaccurate. I demand immediate verification or deletion. 
XXXX XXXX Account XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$420.00} Charge Off * * I do not recognize this account. This charge-off is reported in error. No late payments, no account activity, and no prior notice of default exist on my part. I request deletion from all credit reports. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$790.00} Collection This collection account is incorrect. I have no knowledge of any debt to this entity. Reporting is false and harmful to my credit. Immediate deletion is required. 
XXXX XXXX  Account XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$470.00} Collection I dispute this account. I have no association with this debt. Reporting it as a collection is erroneous and violates FCRA standards. I demand deletion.

Legal Grounds & Demands Under FCRA 611, I have the right to dispute and demand investigation of inaccurate, incomplete, or unverifiable information. Under FDCPA 807 ( 8 ), reporting unverified or false accounts is a violation. Failure to correct these inaccuracies within 30 days constitutes a legal violation.

I demand that the credit bureaus and reporting entities immediately : Investigate all disputed accounts and inquiries.

Correct or delete all inaccurate, unverifiable, or fraudulent accounts. 
Provide written confirmation of corrections to me and to CFPB. 
Cease reporting any inaccurate information that harms my creditworthiness. 
This is a second notice. Any failure to act constitutes grounds for further legal remedies, including statutory damages, attorneys fees, and reporting violations to the FTC and state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. XXXX XXXX Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am providing full authorization for the company to proceed with my complaint. I am confirming that I am the consumer who submitted this dispute, and I give the company permission to review, investigate, and respond directly to my complaint in full. 

There is no unauthorized third party involved. All information in my complaint was submitted by me, and I am requesting that the company move forward with processing and responding to the dispute without delay. 

Additionally, I want to make it clear that I have already filed an FTC Identity Theft Report regarding the fraudulent or inaccurate information appearing on my credit file. This report is part of my official dispute, and I expect the company to treat my case in accordance with federal identity theft protections under the Fair Credit Reporting Act. 

Please notify the company that I authorize them to access any information necessary to resolve this matter and that my FTC report should be considered during their investigation. I request that the investigation continue promptly and in full compliance with federal law. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint regarding repeated unauthorized recurring charges on my Citibank credit card from a merchant listed as XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have never authorized this merchant, have never had any relationship with them, and have never consented to any subscription or recurring billing. 

Citibank has replaced my card XXXX separate times, yet this same unauthorized {$5.00} recurring charge continues to reappear on each new card within weeks. This indicates that the merchant is receiving updated card credentials through XXXX Account Updater systems or persistent payment tokenization, despite my revocations of authorization. 

Under 12 CFR 1026.13 ( Regulation Z ), repeated unauthorized recurring charges constitute a billing error, and credit card issuers are required to : Conduct a reasonable investigation, Prevent further unauthorized charges, and Ensure that reissued cards do not continue to be charged by fraudulent merchants.

Citibank has failed to stop this merchant from charging my account and has not removed the merchants access to any recurring billing profile, stored credential token, or network-updater association. Their remediationsimply closing/replacing the cardhas proven ineffective.

I am requesting the CFPBs assistance to : Require Citibank to fully investigate this merchant and prevent any further charges. 

Require Citibank to remove all stored credentials, payment tokens, and account-updater links associated with this merchant. 

Ensure Citibank blocks the merchant at the network and issuer level, not just reverse individual transactions. 

Ensure Citibank complies with its obligations under Regulation Z to provide a permanent resolution to ongoing unauthorized billing.

This situation has caused ongoing financial concern, repeated account disruptions, and loss of confidence in Citibanks fraud-prevention controls. I am seeking a complete and final resolution to prevent further unauthorized access to my 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 monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
Fraudulent Debt Collection by XXXX XXXX XXXX XXXX for Non-Existent XXXX Account I am submitting this complaint because XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt related to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that is not mine, not valid, and not supported by any billing records. 
I have not held an active XXXX account in many years, and I moved from the residence associated with that account a long time ago. I received no notice, bill, or correspondence indicating I owed any balance. Both XXXX accounts listed under my former service address show inactive/closed status with a XXXX ( {$0.00} ) balance, as shown in my attached supporting documents. 

Despite this, XXXX XXXX XXXX XXXX is reporting and attempting to collect a debt that is non-existent, inaccurate, and fraudulent. They have misrepresented a debt I do not owe and continue to pursue it. This violates the Fair Debt Collection Practices Act ( FDCPA ) and may also violate the Fair Credit Reporting Act ( FCRA ) if any inaccurate data was furnished to the credit bureaus.

Requested Action I am requesting that the CFPB require : Immediate removal of this fraudulent XXXXXXXX XXXX  account from all credit bureaus. 

A full investigation into why XXXX is attempting to collect a balance that does not exist. 
Written confirmation that XXXX has ceased all collection activity, corrected all reporting, and closed the matter. 

I have attached : XXXX statements showing a {$0.00} balance Documentation showing the account was paid in full and closed Screenshots showing the collection entry from XXXX This is a mistaken and fraudulent placement, and I request urgent correction. 
FTC report

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 2025-12-01 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: NY

Complaint narrative:
Fraudulent Debt Collection by XXXX XXXX XXXX XXXX for Non-Existent XXXX Account I am submitting this complaint because XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt related to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that is not mine, not valid, and not supported by any billing records. 
I have not held an active XXXX account in many years, and I moved from the residence associated with that account a long time ago. I received no notice, bill, or correspondence indicating I owed any balance. Both XXXX accounts listed under my former service address show inactive/closed status with a XXXX ( {$0.00} ) balance, as shown in my attached supporting documents. 

Despite this, XXXX XXXX XXXX XXXX is reporting and attempting to collect a debt that is non-existent, inaccurate, and fraudulent. They have misrepresented a debt I do not owe and continue to pursue it. This violates the Fair Debt Collection Practices Act ( FDCPA ) and may also violate the Fair Credit Reporting Act ( FCRA ) if any inaccurate data was furnished to the credit bureaus.

Requested Action I am requesting that the CFPB require : Immediate removal of this fraudulent XXXXXXXX XXXX  account from all credit bureaus. 

A full investigation into why XXXX is attempting to collect a balance that does not exist. 
Written confirmation that XXXX has ceased all collection activity, corrected all reporting, and closed the matter. 

I have attached : XXXX statements showing a {$0.00} balance Documentation showing the account was paid in full and closed Screenshots showing the collection entry from XXXX This is a mistaken and fraudulent placement, and I request urgent correction. 
FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Executive Resolutions Team, Im writing to request immediate assistance regarding a series of unresolved issues tied to an account I have been attempting to close since XX/XX/year>. 
Despite my repeated cancellation requests and one previously filed complaint, the following events have continued occurring : Unsolicited debit cards have been mailed to me multiple timeseven after the account was supposed to be fully closed. 
An unauthorized address, located in a state I have never lived in or used, was added to my account. To date, no one at Wells Fargo has been able to explain how or when this occurred. 
My wife recently received a denial letter for a credit card application she never submitted, raising additional concerns about account security and internal controls. 
Each time I inquire, I am told that Wells Fargo needs more time, yet no meaningful updates or resolutions have been provided. 
At this point, the situation has escalated beyond a routine service issue. These are clear indicators of potential system errors, unauthorized account activity, or possible identity-related breaches occurring within your processes. 
Im requesting the following : A full written explanation of how these events occurred, including the unauthorized address change and unsolicited card reissues.

Immediate confirmation of the permanent closure of all accounts associated with my profile. 
A complete audit of all activity tied to my name and my wifes name from XX/XX/year> to present. 
Written verification that no credit products were opened, attempted, or processed without explicit authorization. 
A direct point of contact within the Executive Office who can provide timely updates and oversight until this matter is resolved.

My goal is simple : clarity, closure, and confidence that our information is secure. Ive tried resolving this through standard channels for several months, and the lack of answers has made escalation necessary. 
Please confirm receipt of this message and provide a timeline for when I can expect the full audit and formal response. 
Thank you for your attention to this matter. I look forward to resolving it promptly. 
Sincerely, 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 monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

Debt collector : radius global solutions llc Date : XX/XX/year> Amount : {$1100.00} Type : derogatory

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 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
On or around XX/XX/2023, I had a house fire and lost everything, I contacted the XXXX internet service and notified them of the fire, they responded that they had a claims dept and the cable box would be included and I would not owe anything, About XXXX years later I received an email from a XXXX XXXX XXXX asking me for over {$600.00}, I contacted XXXX and the rep told me that they were owned by XXXX  but had know idea what I was talking about regarding this charge and credit reporting so I did nothing, now I am getting repeated " noply '' email from a collection agency asking for {$670.00} and no way to tell them to stop. 

Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX According the XXXX, I do not owe this money and want this agency to stop contacting me. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I am writing to inform that the following claims regarding the same merchant XXXX & XXXX were closed successfully. However, today I called in regard to claim number XXXX. A representativestated that the payment in the amount of {$6100.00} on XX/XX/XXXX was denied. I completed the required forms to attest that none of these payments were authorized. I never authorized any ACH debits from my account in the amounts disputed. This merchant should be blocked from my accounts with the assistance of capital one bank. I believethat there is a possible error on Capital One 's end with this claim in particular. There simply can not be any factual legal document that this merchant could have provided that came from me and gave them permission to debit my account. I am asking for a correction to this error and I am also requesting the documentation that was sent as whatever was sent is definitely not legal because I never ever completed a signed authorization with this merchant. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received the bill from XXXX XXXX in partnership with synchrony bank today, XX/XX/2025. I have never applied for a credit card with XXXX XXXX  or synchrony bank and had received a credit card statement with a bill attached. I contacted them and reported it to the fraud department, which is being looked into. This is my report to as well. This account was opened up without my consent or acknowledgment. I will be contacting Social Security today, also XX/XX/XXXX in case of a possible Social Security breach. Thank you and I look forward to hearing back.

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 2025-12-01 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, 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