vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am a consumer attempting to correct inaccurate and incomplete information reported on my credit file. I am requesting a full investigation under the FCRA, ensuring all items are verified with complete accuracy, updated, or removed if unverifiable. 

Charged Off Accounts in Dispute XXXX Account Number : XXXX * * * * Account Date : XX/XX/XXXX Balance : {$81000.00} This account is being disputed due to inaccuracies and incomplete reporting. I am requesting verification, including all payment history and supporting documentation as required under FCRA 611. 

XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$140.00} This account appears inconsistent and may not belong to me. Please verify its validity with full documentation. 

Late Payments in Dispute XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I am disputing the following accounts and inquiries on my Experian report due to inaccurate reporting, incomplete information, and items I do not recognize or authorize. 

Charged Off Accounts XXXX  XXXX XXXX XX/XX/XXXX {$5600.00} XXXX  XXXX  XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Inquiries XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-24 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: AZ

Complaint narrative:
I am a consumer attempting to fix my credit. I am requesting a full investigation into the inaccurate, incomplete, and improperly reported information listed below. Each bureau is reporting different data for the same accounts, and several items contain missing information, inconsistent dates, incorrect balances, and other discrepancies that violate the FCRAs requirements for accuracy and completeness. Please investigate and correct or delete the items that can not be fully verified. 

Charged Off Accounts Under Dispute XXXX XXXX XXXX XXXX Acct XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXX Inquiries Under Dispute XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment Disputes XXXX Acct : XXXXXXXX XXXX Acct : XXXXXXXX XXXX Acct : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
Could you validate this entry? Im unsure about its accuracy.

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 2025-11-24 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: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-11-24 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 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: IL

Complaint narrative:
My purse was stolen and I noticed that I someone has stolen my identity. I reached out to the company several times. I also seen that fraudulent accounts were deleted and then added back with out notifying me. I requested these items be deleted and blocked from my 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My purse was stolen and I noticed that I someone has stolen my identity. I reached out to the company several times. I also seen that fraudulent accounts were deleted and then added back with out notifying me. I requested these items be deleted and blocked from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
I requested a transfer to my wife who is currently in XXXX XXXX days ago, and depsite repeats inquires, the transaction is " on hold '' despite my providing the requested information two days ago. It has not been more than 48 hour without any motion on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I received a letter stating that my card would no longer be secured and that I would be refunded my {$1000.00} deposit. The refund was mailed to my old address, even though I had repeatedly asked them to delete that address. I called and asked them to cancel the check and issue a new one. They confirmed that a new check was sent, but I never received it. 

Over the next several weeks, I called multiple times and was told each time to keep waiting. This week, I called again and was suddenly told that they used my {$1000.00} deposit to pay a balance on the account even though there was no balance at all. The representative confirmed she saw no balance on the account. 

I have been waiting for my refund for over two months, and I keep receiving inconsistent and incorrect information. I just want my {$1000.00} refunded as originally stated.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
called customer support on XX/XX/XXXX at XXXX .. asked that a refund be put back into my acct., because they charge me everytime I use an ATM outside of huntington. Huntington Bank is in walking distance and they will not put another ATM due to community theft, so they charge me for having to use an ATM at another store IN MY COMMUNITY ... they refund me every month but I have to call ... this month they took XXXX dollars but only refunded me XXXX dollars... I told them they are bigots because they dont have ATM in XXXX communities but there is a XXXX XXXX  in my community near me and they have XXXX .. I only go in the bank once a month for my rent and rest of my transactions are thru online or an ATM ... I dont want to be penalized for the community I live in nor for being XXXX .. I am a senior, and I need my money and taking almost XXXX dollars from is absurd... taking any money from me just because they dont want to accommodate our community with a ATM... please assist thank you ps, sarcastically, the cs lady was so nice she hung up in my face after I asked her for the managers name!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
Im reaching out because the reported late payment is incorrect. I made the payment on time, and I have no record of any delay or missed deadline. This appears to be an error, and I kindly request that it be reviewed and corrected. Ive consistently managed my payments responsibly, and I appreciate your help in resolving this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am a consumer attempting to fix my credit. The accounts and inquiries listed below are being disputed because they are inaccurate, incomplete, or reported inconsistently across the credit bureaus. I am requesting a full reinvestigation under the FCRA. Any item that can not be 100 % verified should be deleted. 
Charged-Off Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX {$17000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments 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 2025-11-24 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: OneMain Finance Corporation
State: PA

Complaint narrative:
OneMain Financial XXXX XXXX XXXX XXXX, IN XXXX XXXX : Fraud Department Dear XXXXXXXX XXXX  , Thank you for sending the requested information. Upon reviewing the documents you provided, I can confirm that the address and other identifying details do not belong to me. In response to your correspondence from XXXX, I submitted a police report and a copy of my drivers license, both of which clearly demonstrate that this account is not mine. 

Despite this, you continue to report this fraudulent account on my credit file. 

I am requesting that this account be removed from my credit report immediately. If this matter is not resolved within a reasonable period of time, I will have no choice but to seek legal counsel for willful non-compliance under the Fair Credit Reporting Act ( FCRA ). 

I expect written confirmation once the account has been deleted from my credit file. 


Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I invested over a XXXX dollars in XXXX different XXXX XXXX  with Robinhood. On XX/XX/year> they deactivated my account stating " in light of recent unusual activity in your account, we made the decision to close your Robinhood account ( s ). I have no idea what happened, I asked them several times and there is no answer. A woman called me and for over an hour gave me the third degree. I have asked then several times why my accounts were closed. Have received no answer. They could have put my funds on the debit card I used to invest in the XXXX, but they did not. It has been XXXX  months since they closed my accounts. My money is still in their hands, probably making interest for them. They tell me I have {$940.00} and they are going to charge me a fee of {$16.00}. Since they have closed my account, without reason and claim they are unable to send the funds back to me through my debit card I contacted my bank. The bank 's staff suggested I open another checking account. I believe they do not trust the staff at Robinhood either. I wanted to leave something for my children, I contacted XXXX  and it was a waste of time. Please help me to get my investment back from these thieves. XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am a consumer simply trying to fix and correct my credit reports. I am requesting a full investigation into the inaccurate, incomplete, and unauthorized information listed below for each bureau. 

Inquiries Under Dispute These inquiries appear unauthorized, not initiated by me, or excessive without permissible purpose under FCRA 604. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts ( None reported for this bureau in this list. ) Late Payments Under Dispute These accounts are reporting late payments that I do not recognize and need verification and correction. 

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
AMSHER COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked travel with Capital One using my rewards on XX/XX/XXXX. The total for the trip was {$610.00} ( XXXX tickets at XXXX each ). These details are in the attachments XXXX and XXXX. 

By using the Capital One travel tool, they promise a XXXX XXXXay price drop protection. Capital One states to " monitor your flight for up to XXXX  days. If the price drops, you'll get up to XXXX {$100.00} in travel credit to cover the difference ''. This is in the attachment named XXXX. 

I checked the price myself during this 10 day window. Included in pricedrop.png, I took a screen capture on XX/XX/XXXX ( within the XXXX window from the booking date of XX/XX/XXXX ) in which the price per traveler was {$270.00} ( {$30.00} cheaper per ticket ). 

I called Capital One on XX/XX/XXXX. To put it simply, they were less than useful. After escalating to a manager, I was repeatedly told the same thing : the system is automated and it will detect a price drop and issue the travel credit. 

Well, their system did NOT catch the price drop. If I have evidence of a price drop, and I did not receive a credit, what conclusion can I draw? If I am required to detect price drops myself, and am not given the stated perk by Capital One, what can I do? I already wasted XXXX minutes calling their customer service to be told the same useless line that their system detects price drops automatically, which does not seem to be the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I submitted a Cease and desist letter to XXXX XXXX  on XX/XX/year> and the have proceeded to call and text me numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I lost my wallet and became a victim of identity theft while I was abroad recently. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me so kindly remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am disputing the following accounts and inquiries on my Equifax report because the information being reported is inaccurate, incomplete, or can not be verified. 

Charged Off Accounts XXXX  XXXX XXXX XX/XX/XXXX {$5600.00} Inquiries XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief