vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and the XXXX failed to conduct a reasonable reinvestigation under FCRA XXXX. Despite providing full identity verification and supporting documentation, including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : XXXXXX/XX/XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXXXX/XX/XXXX - Identity theft please block and delete under FCRA XXXX. 
XXXXXX/XX/XXXX- Identity theft please block and delete under FCRA XXXX. 
XXXX. XXXX - XXXXXX/XX/XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXXXX/XX/XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX.XX/XX/XXXX- I was never late ; please correct the record to reflect Paid as Agreed. 
XXXXXX/XX/XXXX I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXXXX/XX/XXXX- I was never late ; please correct the record to reflect Paid as Agreed. 
XXXXXX/XX/XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX - XXXXXX/XX/XXXX I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX XXXX - XXXXXX/XX/XXXX- I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX.XX/XX/XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXX XXXX XXXX -XX/XX/XXXX Identity theft please block and delete under FCRA XXXX. 
XXXX. XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX of XXXX XXXX. XXXX CARD - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit 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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX closed XXXX of my credit card accounts after claiming that I had XXXX returned payments during the year. I want to be clear : I never missed a payment, and I was never late. Any returned payments were the result of timing issues between an auto-draft and deposits clearing. In both cases, the issue was corrected immediately, and the payments were fully made without ever becoming past due. 

Despite maintaining an on-time payment history and resolving the timing issues right away, XXXX XXXX closed both accounts without warning, including my longest-established line of credit. This significantly reduced my available credit and caused an immediate negative impact on my credit utilization and score. 

I contacted XXXX XXXX multiple times to request reconsideration or at least an accurate reporting of the closure. I asked them to either reinstate the account or report it as closed by customer instead of closed by creditor, since I was never delinquent and resolved the returned payments instantly. I was told no escalation or review was available. 

I am requesting that XXXX XXXX review this situation, verify that my accounts were never late, and either reinstate the accounts or update the credit bureaus to reflect that the closures were not due to risk or nonpayment. This better reflects my actual payment history and avoids long-term damage from a situation caused by an auto-draft timing error rather than missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XX/XX/XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Concord Servicing Corporation
State: AL

Complaint narrative:
I ask to be taken out of the timeshare. They refuse to. I ask for the contract and they said they dont have a contract of me signing any type of agreement to the rules. Timeshare is paid off. Just incessant annual fees. They told me it was a good investment. And that i can make money off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My home mortgage use to be XXXX XXXX, in XX/XX/year>, my mortgage has transfer to new company Name Fay Servicing. me as home owner, we always pay with our Property Tax on time with out any issues, On XX/XX/year> Fay Servicing company force open an Escrow account under my Mortgage account and use the money pay the WRONG PARCEL that is not my property Parcel Number. On the mean time, they up my mortgage payment to pay those money back to Fay Servicing. 
I call many times and went to XXXX XXXX  and they both Confirm they pay the wrong parcel Property Tax that is not belong to me. 
How ever, Fay Servicing Company want me to pay the money back to them before we can have my Escrow to be remove by their own mistake, or keep paying the Escrow account monthly payment until they have their refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate information on my credit report that has caused me significant concern. Despite my efforts to resolve these issues directly with the creditors, the inaccuracies remain uncorrected. 

The specific issues are as follows : Incorrect Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX This is not my address. The reporting of this incorrect address is misleading and may affect my credit standing and personal records. 

Charge-Off Account with XXXX XXXX Account Number : XXXX XXXX XXXX  High Balance : {$660.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account, and I dispute the validity of this charge-off. I request a thorough investigation and deletion of this account from my credit report. 

Late Payment Reporting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Status : Late Payment The reported late payments are inaccurate. I have never made a late payment on this account, and the history provided is incorrect. I request that this information be corrected immediately. 

These inaccuracies are negatively impacting my credit report and financial standing. I am requesting that the CFPB investigate these matters, ensure proper corrections are made, and provide confirmation once the corrections are completed. 

Please acknowledge receipt of this complaint and advise on the next steps for resolution. I have included all relevant documentation to support my claims. 

Thank you for your prompt attention to this matter.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Transactions with XXXX XXXX for a service scheduled XX/XX/XXXX. 
Order Number : XXXX Transaction Dates : XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XXXX, XXXX XXXX claims " problems with transaction system which will be fixed soon '' XX/XX/XXXX XXXX  changes their event/product and offers refunds. 
XX/XX/XXXX formally submitted a refund request with XXXX. 
XX/XX/XXXX a member of XXXX confirmed refund by XX/XX/XXXX. 
XX/XX/XXXX a submitted a dispute for each charge with Citi. 
XX/XX/XXXX, included all above information in emails ( and more ) to Citi. 
XX/XX/XXXX Citi dispute was closed. It told me to contact merchant. 
XXXX, XXXX XXXX refuses a refund and sends a document for me to give to Citi encouraging Citi to approve the dispute. 
XX/XX/XXXX- attempted to input another dispute but the Citi interface does not allow me to re-issue dispute. 
XXXX XXXX, XXXX called Citi and had them re-open dispute. 
XXXX XXXX, XXXX Received communication from Citi that the dispute was closed with the response : we arent able to investigate due to age

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 2025-11-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding an auto loan add-on ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that was financed into my loan but was never delivered, installed, activated, or explained to me. 

The service requires installation, activation, and access to the XXXX application, none of which were ever provided. I never received instructions to schedule installation, I never received login access, and I never received any service. 

The contract was also not explained at the time of signing. I was not informed that the product was optional, nor was I informed of the cost, the terms, or the financial impact on my loan. This was added to my contract without informed consent.

My lender ( Westlake Financial ) is financing a product that was never delivered and is attempting to charge me for a service I never received. 

I am requesting that the add-on be removed from my loan and that the loan balance be corrected. I have notified the vendor and lender but the matter has not yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid off my remaining balance of {$7800.00} on XXXX XX/XX/year>. Which did bring my available credit limit to {$8000.00}. I didn't use it since then. I needed it use it to rent a truck today XXXX XX/XX/year>, but was declined. Venmo/Synchony Bank dropped my limit to {$110.00}. So basically Venmo/Synchony Bank stole my money. So then I paid {$98.00} of interest charges that somehow happened after paying off and didn't use since paying. After that I requested to close my account, to hopefully stop surprising me with interest fees.

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 2025-11-22 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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