vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I filed a dispute with Capital One for a hotel charge because I canceled my reservation more than a month before the stay, fully in accordance with the hotel 's cancellation policy. I provided Capital One with a screenshot showing my cancellation email was sent to the correct hotel email address listed in the reservation confirmation. 
Capital One accepted my dispute documents on XX/XX/XXXX, and their online dispute center repeatedly showed that my case was closed in my favor on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite this, they have refused to apply the required credit to my account. When I contacted Capital One by phone, their representatives claimed that I did not win the case, directly contradicting their online records. 
I have repeatedly requested a written explanation for this discrepancy and for Capital One to honor their own stated decision, but they have failed to provide one and continue to withhold the credit. I have repeatedly contacted Capital One 's dispute department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On these occasions, I've sought clarification from management regarding a discrepancy : the online portal indicates my dispute case was closed in my favor, yet representatives verbally inform me that it was not. Unfortunately, no credit has been issued, nor has any feedback been provided to explain this. I am requesting an explanation for this inconsistency between the information displayed on the website and the information provided by your representatives. This has caused financial harm and confusion, as I relied on their confirmation that the dispute was resolved in my favor. 
Key dates : Dispute case date : XX/XX/XXXX Uploaded my dispute evidence to Capital One : XX/XX/XXXX Dispute amount : {$430.00} Reservation cancellation date : XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 2025-07-08 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX Date XXXX XX/XX/year> XXXX  - XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint Summary : Blank Credit Reports from Equifax and Failure to Provide Online or Mailed Report Access. 

What happened : I attempted to access my free credit report via XXXX, but Equifax returned a processing error. 

I then logged onto XXXX directly to check my recent reports. However, the reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all completely blank. No accounts, no inquiries, no tradelines, nothing. ( see screenshots ) Only my XX/XX/XXXX credit report shows valid information. 

To resolve this, I submitted a manual mailed request for my Equifax credit report through the official form provided by XXXX about 2-3 weeks ago. As of today, I have received no response from Equifax. 

These failures by Equifax prevent me from accessing my full credit file, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy and legitimacy of a derogatory entry reported by XXXX XXXX, listed as 30 days past due, currently appearing on my Transunion, Equifax and Experian credit report. This account is fraudulent and unauthorizedI have never applied for, opened, nor authorized any account with this entity. 

The presence of this inaccurate, unverifiable, and fraudulent item is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) XXXXXXXX XXXX duty to investigate and correct inaccurate or fraudulent information after being notified of a dispute. 

In addition, I am also disputing any unauthorized hard inquiries associated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX any other third party that accessed my credit file without my express written consent. According to 15 U.S.C. 1681b ( c ), no party is permitted to obtain my consumer report without a permissible purpose. Any inquiries related to this fraudulent account must also be permanently removed. 

This fraudulent reporting and inquiry activity is causing material harm to my creditworthiness and was conducted without my knowledge or consent. It is unverifiable, as I demand strict proof of the accounts origin, application, inquiry authorization, and signed agreementall of which can not exist, because I never initiated or approved any such obligation. 

As required under FCRA 611, you have 30 days from the receipt of this dispute to complete a thorough investigation. If XXXX XXXX can not provide documented, verifiable proof of this accounts validity, signed by me, the item and all related inquiries must be permanently deleted from my credit file. 

Please send written confirmation of deletion to my address above. This letter also serves as formal notice to block and remove this account and related inquiries pursuant to FCRA 1681c-2, governing identity theft and fraud procedures.

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 2025-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX for {$2500.00} charged to my Bank of America corporate credit card ending for XXXX. XXXX initiated refund on XX/XX/year>, but the funds were never received. The credit card had been recently closed at that time and XXXX has appears to have attempted to refund the money to that account. I contacted Bank of America and was told the refund was cycling through the upcoming period and would be transferred over to my new credit card. After waiting the cycle, those funds were never transferred over. I was told multiple times that those funds could be seen in month after month following up with the call center. I was told that they were seen, but not transferred over. I was assured at each cycle they were going to transfer over. After waiting several months for this issue resolved I started to follow up at the banking center. Over the course of XXXX or XXXX visits in center. I was unable to get there issue resolved. As I understand that the issue was brought all the way up to the executive team, however even though I followed up on numerous occasions, spending in excessive over XXXX hours, trying to resolve this issue it seems to have timed out. After six months, it was no longer viewable on the systems at Bank of America and efforts to follow up through XXXX follow the transaction utilizing a transaction ID. We are unable to get that number to follow where the funds landed. I made multiple calls in context through chat to pull XXXX and Bank of America to try to resolve this issue. Spent all my efforts. The funds remain unaccounted for and neither company is taking responsibility. I have documentation of the order transaction, refund attempts and all correspondence. I am requesting that Bank of America take responsibility and work with XXXX and possibly the initial seller your optics if necessary to assist and locate and recovering my funds.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-08 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: FL

Complaint narrative:
Please remove the information from the following account number, XXXX, off my credit report. The attached 1099A documents the settlement of this obligation. The Federal Trade Commission ( FTC ) has proof of payment from this account in the attachment below. If this information is not removed from my credit record, I will take further action with the FTC. This error should be fixed as soon as feasible.

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 2025-07-08 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:
I have reviewed my credit report and discovered a hard inquiry that I did not authorize or initiate. I believe this may be connected to an instance of identity theft. I have not applied for any credit or services with the entity that conducted the inquiry, and therefore, I consider it fraudulent.

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 2025-07-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following fraudulent account must be removed immediately : XXXX XXXX  Opened date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 explanation
Consumer complaint received 2025-07-08 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: CO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. This issue is supported by the Consumer Financial Protection Bureau ( CFPB ), which has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed information.

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 2025-07-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The documentation I received was insufficient to the information required under the FCBA 15 U.S.C. 1666b. Pursuant to my rights under Section 163 of the TILA, I did not receive the periodic statement including the information required by TILA section 127 ( b ) within 21 days before the payment due date from the creditor. The law states in the FCRA 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under limited circumstances, one of which is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written documentation authorizing this creditor to furnish information on my credit report. FCRA 15 U.S.C. 1681a ( 2 ) explicitly excludes from the definition of " consumer report '' any " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The information the creditor has improperly included in my credit report falls squarely within this exclusion, as it pertains only to my direct transactions and experiences with the company. Furnishers of information to consumer reporting agencies have the following responsibilities under FCRA 15 U.S.C. 1681s-2 : Duty to provide accurate information and duty to correct and update Information.

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 2025-07-08 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX BANK on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief