vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX'I request CFPB assistance to obtain a refund after my timely cancellation of a flight booking purchased via XXXXXXXX XXXX XXXX XXXX XXXXSummary: I requested cancellation via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Exhibit B). XXXX email XXXX XXXX  stated: Were still waiting for the carriers to send us all reservation numbers (XXXX), confirming ticketing had not completed (Exhibit A). XXXX  then issued tickets at XXXX (Exhibit D) and has refused to apply Article 8.1 of their own Terms & Conditions (Immediate Cancellation  90% refund) and refused to refund to my original payment method. Capital One closed my chargeback case on XXXX XXXX XXXX XXXX XXXX XXXX  saying my submission lacked documentation. I have now attached full evidence (Exhibits AG plus the bank denial letter).\nRequest: Please ask Capital One to reopen and escalate this dispute and investigate whether the merchant XXXX failed to honour its own T&Cs. I seek a full refund to my payment card per XXXX  Article 8.1 (90% refund).\n\nAttachments: Exhibit A  XXXX XXXX  email showing XXXX  pending; Exhibit B XXXX  live-chat transcript requesting cancellation; Exhibit C  refund-options XXXX  screenshot showing no Immediate Cancellation option; Exhibit D  22:57 XXXX  email confirming ticketing; Exhibit E XXXX XXXX XXXX XXXX XXXX  Terms & Conditions (Articles 8.1 & 12.8.1 highlighted); Exhibit G  Customer Advocacy email; Capital One denial letter (dated XXXX XXXX XXXXXXXXI appreciate CFPBs help getting Capital One to re-open this chargeback and ensure the merchant honors its stated policy or returns the funds.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
b'over a year ago an XXXX  rep came to my office to discuss phone service for my company, but we never agreed to anything. XXXX  weeks later I received XXXX  telephones in the mail, and I inmediately called the rep to inform him that we never agreed to the service. Weeks went by, and a shipping label were never sent, I called the rep again and he notified me that he is no longer working for XXXX and to deal with them directly. I talked to XXXX&T multiple times. I pleaded with them to please come pick up their equipment and they are still sitting untouched in the original boxes. No service was never connected, because I had no intentions to switch with them, and I never agreed verbally or in writting for the service. A few more calls from XXXX, and same request from me to please come pick up their equipment, or send me a shipping label, and nothing. Recently a DEBT collector started to send me demmand letters, and I responded to please stop harassing me and to please send me anything that shows I agreed to the service or equipment, and all they did send me was a computerized form showing the work order, but no signature, no SS#, nothing that it confirms I agreed to the service or equipment. They even sent me the same form for cell service, and also no signature, no SS#, no DOB, no ID, nothing at all, just my name and address. I had sent XXXX  letters with no tracking number and XXXX certified letters with return delivery label, but they continue to harasse me.XXXXXXXX  letters no 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 non-monetary relief
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
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.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
According to FCRA section,605B its illegal to report my information without my permission please remove

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 2025-08-17 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the continued reporting of inaccurate, unauthorized, and/or unverifiable accounts on my consumer credit file. The credit reporting agencies have failed to ensure the maximum possible accuracy of the information they report, in violation of the Fair Credit Reporting Act ( FCRA ). Legal Violations : 1. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reports from being furnished without written authorization.

2. 15 U.S.C. 1681a ( 4 ) Defines consumer report subject to all FCRA protections.

3. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of information that is unverifiable, unauthorized, or resulting from identity-related issues. Reinsertion without proper certification is a violation of federal law. 
The disputed items were not validated with original documentation ( such as signed contracts or written authorization ) and appear to have been processed through electronic or automated systems such as e-OSCAR, which do not meet the verification requirements under the FCRA. Please note, I do not authorize the use of automated systems such as e-OSCAR for verification. I require original documentation that links me personally to these accounts. 
Despite prior disputes, the CRAs have failed to remove or block these accounts, continuing to report unverifiable information in violation of federal law. I request CFPB oversight and enforcement to ensure that these items being immediately deleted and permanently blocked from reinsertion, and that the credit bureaus comply with all requirements under the FCRA. 
ACCOUNTS : - XXXXXXXX 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 XXXXXXXX I have already filed a Police report Identity Theft with the Federal Trade Commission ( FTC ) , which supports this complaint. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to delete and block the disputed information upon receipt of an FTC Identity Theft Report and a written dispute. My FTC Report Number is : XXXX I respectfully request that the CFPB enforce compliance with the above laws, require the immediate delete and permanently block of the disputed information, and take appropriate action against the credit bureaus for their failure to comply, and Assurance that no reinsertion occurs without proper certification. I appreciate your prompt attention to this matter. This complaint is filed to preserve my rights under federal law and to request CFPB enforcement to protect consumers against unlawful credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY

Complaint narrative:
I received several emails about a new Wells Fargo account. I thought maybe someone mistyped their email address because the phone number in the emails isn't mine. But now I received a message from my parents that they received a debit card at our home address with my name, that I did not open. A quick XXXX shows that Wells Fargo has been known to just open accounts without consent, and my phone doesn't seem to work for any of their XXXX or international numbers while I'm abroad. I reported it as phishing and didn't received any response, I talked to them over XXXX but they just say to call even if I say it doesn't work.

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 2025-08-17 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: NC

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$850.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NC

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$850.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-18 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: Fay Servicing, LLC
State: CT

Complaint narrative:
I am filing this formal complaint against Fay Servicing and : XXXX XXXX XXXX XXXX  for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws.

Recently, I discovered that my mortgage account has been reported with late payment notations that were either changed retroactively or inaccurately updated by the mortgage servicer and reflected on my consumer credit report. These actions are improper and violate my rights under federal law. 
Basis of Complaint Violation of FCRA 607 ( b ) Maximum Possible Accuracy The FCRA requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. By reporting inaccurate late payments or modifying past payment history without proper verification, the credit bureau has failed this statutory obligation.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information The mortgage servicer, as a furnisher of information, is prohibited from furnishing information relating to a consumer that it knows or has reasonable cause to believe is inaccurate. Changing the status of prior payments to late when they were not late is a direct violation.

Violation of FCRA 611 ( a ) Failure to Properly Investigate Disputes I previously disputed this account, yet the credit bureau failed to conduct a proper investigation as required by law. Instead, it simply parroted the mortgage companys reporting without providing supporting documentation. This constitutes a failure of reasonable reinvestigation under 611 ( a ).

Unfair and Deceptive Acts ( UDAAP ) Dodd-Frank Act, 12 U.S.C. 5531 & 5536 Retroactively changing payment history to reflect lates that did not occur is deceptive, unfair, and materially damages my creditworthiness, impacting my ability to obtain fair credit terms.

Requested Relief I respectfully request that the CFPB : Investigate Fay Servicing for improper furnishing of inaccurate payment history. 

InvestigatXXXX XXXX XXXX XXXX XXXXXXXX for failure to follow reasonable procedures to assure accuracy and failure to conduct a proper reinvestigation. 

Require immediate correction or deletion of the disputed late payment notations from my credit file. 

Impose penalties and compliance requirements to prevent future misconduct by the entities involved. 

Supporting Documents I am enclosing : A copy of my credit report with the disputed late payments highlighted.

This inaccurate reporting has already caused material harm to me, including lowering my credit score, impacting my access to credit, and causing emotional distress. 

I appreciate your urgent attention to this matter. Please provide me with updates regarding the investigation and any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief