vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-31 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am disputing a collection reported by XXXX XXXX XXXX XXXX and their debt collector. I rented from XXXX in XXXX from XXXX to XX/XX/XXXXXXXX  under a 3-month lease. I paid all rent and fees, gave written notice to vacate, and moved out on XX/XX/XXXX. 

After moving out, I met with XXXX staff in person and was told my account would be finalized once utility charges were posted. I received no further communication from XXXX for more than 15 months, and I believed the account was closed in good standing. 

On XX/XX/XXXX, I received an email from XXXX- the first communication since move-out - claiming I owed {$1000.00}. This was 487 days after I vacated the unit. Under Washington State landlord-tenant law ( RCW XXXX ), landlords must return the security deposit or provide an itemized statement within 21 days of a tenant vacating. That never happened. No explanation or documentation of charges was sent during the legally required timeframe. This delay alone invalidates any charges. 

Separately, the debt collector later submitted a tenant ledger dated XX/XX/XXXX, showing a {$0.00} balance. This strongly supports my belief that the account was considered closed and settled. If any legitimate balance had existed, it should have appeared in that document. Instead, I received an unexpected demand 15 months later, with no explanation. 

The continued reporting of this debt - after their own records showed a {$0.00} balance -appears to violate : * Washington law ( RCW 59.18.280 ) invalidating the debt due to missed notice deadline * FDCPA misrepresenting the amount and status of the debt * FCRA reporting inaccurate or misleading information I am requesting deletion of this invalid collection and full resolution of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
charged back in XXXX of XXXX identity thief balance of {$180.00} listed as payed off or close but have derogatory reports on XXXX im 90 days past due which is effecting my credit score to too identity thief which i ve called theft dept corresponse by mail and still remains of credit reports need to be removed all other credit card companies have just not citi bank never open accounts with this company

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 2025-07-31 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am submitting a complaint against Barclays Bank for mishandling two disputes totaling {$10000.00} related to a failed refund from a merchant called Ascend Trading, whose services were processed through XXXX. 

I only signed up for Ascend Trading 's trading software because of their XXXX money-back guarantee. I used the software exactly as instructed, but I lost money using it and followed every step required to qualify for a refund. In XX/XX/year>, Ascend Trading even sent me a written Refund Agreement confirming I was eligible. But after signing it, they never issued the refund, stopped responding, and still haven't refunded me. 

I opened my first dispute with Barclays on XX/XX/year>, and to my shock, they denied it claiming I didnt use the software for the XXXX period. This is completely false. I provided screenshots and written confirmations from the merchant showing I met the refund terms. 

I reopened the dispute with even more documentation ( attached ), yet on XX/XX/year>, Barclays mailed me letters saying you confirmed you are no longer disputing this transaction which is absolutely false. I never made any such confirmation. 

I re-submitted my case again on XX/XX/year> and faxed in all documentation. Many days passed with no response whatsoever no letter, no email, and no phone call confirming receipt. So I called Barclays on XX/XX/XXXX. The representative XXXX XXXX XXXX could not answer any of my questions : she couldnt explain the status of my case, confirm if I was being charged interest, or even escalate the call to a supervisor. I was told to just wait. 

Finally, on XX/XX/XXXX, I called again and learned that the disputes had been closed again because the merchant says " they are not liable. This is completely unfair and inaccurate. 

Ive sent multiple emails to XXXX and received no reply whatsoever. 

I am now being charged interest on these {$10000.00} charges, and Barclays has made numerous factual errors, failed to communicate, and has refused to protect me as a consumer. 

Requested Resolution : Reopen the dispute Remove all interest charges Re-apply temporary credit while the case is investigated Investigate the false statement that I withdrew the dispute Consumer Protections Cited : Under the Fair Credit Billing Act ( XXXX ), cardholders have the right to : Dispute charges for goods or services not received or not delivered as promised Withhold payment during a dispute investigation Barclays has violated both the timelines and communication requirements under XXXX and has failed to uphold its duty to protect consumers from merchant fraud despite receiving substantial documentation.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize these accounts and believe them to be fraudulent. Please carry out an investigation and remove them from my credit profile immediately. Proof is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have a debt for a vehicle I dont have and it never was repossessed but they balance shows on 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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a recent vehicle purchase that I believe involved deceptive pricing and undisclosed fees, resulting in a much higher total cost than expected. 

On Saturday XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. The online listing for the vehicle clearly advertised the price as {$14000.00}. Based on this price, I reasonably expected to finance the vehicle for approximately {$17000.00} {$18000.00}, accounting for taxes, registration, and standard fees. 

However, after the purchase, I later received financing documents from the bank showing that the total amount being financed was approximately {$26000.00}. This is nearly {$8000.00} {$9000.00} higher than what I believed I was agreeing to. Upon reviewing the paperwork, I discovered several excessively high and unclear charges that were not disclosed or explained during the purchase process. These include : Charges not itemized or disclosed during the transaction Add-ons or fees that I did not knowingly agree to A significant discrepancy between the advertised price and the final cost on record I feel I was misled about the true cost of the vehicle and pressured to sign documentation without a full and transparent breakdown of the charges. Had I known the final amount being financed would be close to {$26000.00}, I would not have proceeded with the purchase under those terms. 

I am requesting a full investigation into this matter, and I would like the dealership and/or financing institution to be held accountable for any deceptive practices. I am also seeking a correction to the financing terms to reflect the originally advertised price, or a detailed justification for the added costs. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-31 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: AR

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 2025-07-31 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I gave permission to my son to use my American Express credit card. My wife and my son both received a test message from Maryland State toll administration, which turns out is a large scam in our state. My son did owe back tolls with the state and wanted to resolve the issue and entered the American Express card number in several times. My credit card was then compromised and all the information was stolen in a matter of seconds. I had over {$4000.00} in fraudulent charges because of this scam and American Express has denied any responsible and stated that we volunteered and entered the information in the text message. We have resubmitted 4 separate disputes and reused to help us in anyway. We have paid the entire account in full and closed our account after over 45 years of being a local an devoted customer. 

My wife is an authorized user and did submit a formal complaint and we were told to contact XXXX  because they wouldn't respond to her an I am primary on the account, I called and they said we can't help you with that. 
Case # XXXX It as become personal with American Express and they will to talk to us concerning this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXXXXXX XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXXXXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-31 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 am writing with absolute certainty and deep frustration regarding numerous errors on my credit report. These inaccuracies have been continuously affecting my life and damaging my credit score, preventing me from achieving financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$17000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief