vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
someone used my card at a nail salon for {$280.00}. I did not authorized this. called and filed a complaint with the ftc on this. all I wanted is them to remove the charge and I also am filing a police 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I filed a merchandise-not-received dispute with American Express for a XXXX purchase that was never delivered. Before disputing, I contacted XXXX several times to resolve the issue directly. XXXX told me they could not provide a tracking number, could not identify the carrier, and had no delivery confirmation, GPS scan, signature, or photo. They also told me they could not locate the package and explicitly advised me to dispute the charge with American Express because they had no proof of delivery to provide. Despite this, American Express denied my dispute twice ( on XX/XX/XXXX and XX/XX/year> ), relying only on an internal XXXX XXXX system entry that says delivered, which is not actual proof of delivery. Walmarts internal code does not show who delivered the package, where it went, or whether it was delivered at all. I repeatedly informed American Express that XXXX has no tracking or delivery evidence and requested escalation to the Chargeback Team, but Amex refused unless I provided new information, even though the merchant has none. American Express is improperly denying the dispute without valid documentation and refusing to correct the decision. I am requesting CFPB assistance to require American Express to reevaluate the dispute under the proper standard and refund the charge since the merchant can not provide any proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: IN

Complaint narrative:
Complaint Type : Debt Collection / Incorrect Reporting / Product Issues I am disputing a collection account reported by TEK-Collect Inc ( collections ) for approximately {$2200.00} related to XXXX. 

I received defective teeth aligners, and XXXX failed to provide the services, follow-ups, treatment plan completion, or Lifetime Smile Guarantee promised in the contract. 

Shortly after I attempted to request corrections and replacements, XXXX permanently shut down operations due to bankruptcy, closed its support lines, and abandoned all customer warranties. 

Because XXXX no longer exists as an operating medical provider, the debt from company was unable to provide treatment. I received defective medical/dental products, involving services never rendered- when I tried to contact them for correction of the defective products, it relates to a company that no longer exists as an operating entity and XXXX XXXX - stating customers had a lifetime guarantee. The Debt reported by the TEK-Collect should be invalid, unverifiable, and legally unenforceable. 

TEK-Collect is reporting this on my credit file without providing validation or proof that the debt is legitimate. This violates the FDCPA and FCRA. 

Millions of Americans have been victims and have been taken advantage of by TEK-Collect Inc and XXXX XXXX - due to these unethical practices, along with the distribution of defective products I am requesting that TEK-Collect remove this collection account from all credit bureaus and cease further collection activity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported by XXXX ( National Credit Adjusters ) on my credit file. XXXX is reporting a collection account for {$700.00} that originated with XXXX, but the reporting is incomplete and misleading under the Fair Credit Reporting Act ( FCRA ). 

The tradeline shows that the account is Open and Placed for Collection but does not show any payment history, date of last payment, delinquency timeline, or charge-off documentation. The reporting of an open collection account without supporting transaction history is incomplete and violates FCRA 623 ( a ) ( 1 ), which prohibits furnishers from reporting information that is not accurate and complete. 

I previously attempted a dispute with the credit bureau, and no documentation was provided from XXXX or XXXX, including : Proof of original contract / signed agreement Full itemized charges and billing statements Date of first delinquency Proof of XXXX legal right to collect or report Instead of providing documentation, the account continued to be reported to the bureau, which violates the reasonable reinvestigation requirement of FCRA 611 ( a ) and verification requirements of FCRA 609 ( a ) ( 1 ). 

Additionally, XXXX is reporting a balance owed while the account status is marked Open. If XXXX purchased the debt, XXXX should not still report ownership. If XXXX still owns the debt, XXXX can not legally report a balance owed without proof of assignment. Reporting both conditions at once is contradictory and misleading. 

I am requesting that XXXX either : ( XXXX ) Provide complete verification with all required documentation, including contractual agreement, full account ledger, and proof of assignment ; or ( XXXX ) Permanently delete the tradeline due to unverifiable, incomplete, and inaccurate reporting. 

I am not disputing whether I may have had a loan in the past ; I am disputing the accuracy and completeness of how XXXX is reporting this information to the credit bureaus, which violates FCRA 609, 611, and 623.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing once again regarding the fraudulent item that continues to appear on my credit report. Despite my previous efforts to address this issue, I am still battling this unauthorized entry. This ongoing situation is not only distressing but also raises serious concerns about how this can continue happening for such a prolonged period. I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please check whats been provided ; the inquiries arrived without advance notice and might be unauthorized.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have observed multiple discrepancies on my credit report. I am currently disputing all listed items and request method of verification for any accounts claimed to be associated with me.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
A scammer impersonated my bank USAA. I am XXXX and inexperienced with banking and I was instructed to create XXXX and XXXX XXXX accounts by an impersonator. The impersonator was impersonating the USAA fraud department. 

The money that I lost was from my VA chapter XXXX benefits to pay for my schooling. USAA did not recognize fraudulent action in this case.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please assess the attached documents ; the inquiries came in with no notice and may be unofficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One restricted my credit card account, claiming they had to verify my bank account. This is very odd and had never occurred with any credit card before, and I had been using the same bank account to pay my credit card bills forever. They demanded all sorts of personal banking information. 

When I instead requested that they cancel my card and provide me back my security deposit, they refused unless I would agree to special terms, which included to agreeing that they would hold my deposit XXXX for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
This complaint reflects my personal experience and opinion. On XX/XX/XXXX my wife and I attended a XXXXlanguage sales presentation for a XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX, FL. The full contract in English was not provided at the presentation. It was later delivered by XXXX on XX/XX/XXXX. 

After reading the contract, what was written did not match what was promised in the presentation. On XX/XX/XXXX I called to cancel/rescind. I never activated or used any membership benefits. On XX/XX/XXXX a related charge posted to my bank account and the bank investigated and reversed it. 

Despite this, Concord Servicing LLC caused an entry to appear on my XXXX  credit report coded as a mortgage account paid/closed with 2 late payments, even though I have never had any mortgage with Concord or its affiliates and have never used this membership. I requested validation of the debt ( signed contract, billing statements, proof of default, explanation of what they are reporting ). Concord only sent an internal Loan History and could not provide an executed agreement with informed consent, activation/use records, or any documents showing a real delinquency or DOFD. 

On XX/XX/XXXX Concord also told me by phone that they were acting as a debt collector and transferred me to XXXX XXXX which asked me for a screenshot of my own credit report and still could not clearly explain or validate what was being reported. I believe Concord is trying to collect a debt that is not owed and is furnishing inaccurate and unverifiable information that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in active AAA arbitration ( XXXX XXXX. XXXX ) with XXXX XXXX XXXX for billing disputes and contract discrepancies regarding my auto loan ( account # XXXX ). 

In XX/XX/year>, while the arbitration was ongoing, XXXX charged off my auto loan and reported a charge-off to all three credit bureaus ( XXXX, TransUnion, XXXX  ) without adding any notation that the account is disputed or in arbitration. 

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ), XXXX is required to notify the credit bureaus if information furnished is disputed by the consumer. This failure has severely damaged my credit, preventing me from obtaining new credit and loans. I have documentation of the arbitration, dispute communications, and credit reports showing the absence of required dispute notation during the charge-off.

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 2025-11-17 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: NJ

Complaint narrative:
I am in active AAA arbitration ( XXXX XXXX. XXXX ) with XXXX XXXX XXXX for billing disputes and contract discrepancies regarding my auto loan ( account # XXXX ). 

In XX/XX/year>, while the arbitration was ongoing, XXXX charged off my auto loan and reported a charge-off to all three credit bureaus ( XXXX, XXXX, Experian ) without adding any notation that the account is disputed or in arbitration. 

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ), XXXX is required to notify the credit bureaus if information furnished is disputed by the consumer. This failure has severely damaged my credit, preventing me from obtaining new credit and loans. I have documentation of the arbitration, dispute communications, and credit reports showing the absence of required dispute notation during the charge-off.

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 2025-11-17 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:
I submitted a formal dispute of misinformation regarding addresses & phone numbers to credit bureaus on XX/XX/year>. With no resolution to my request of mis-reporting. 
I asked that all prior addresses, mailing variations, or locations not matching the above must be permanently deleted from my consumer file, effective immediately. 



I am filing this complaint because the credit reporting agencies ( Experian, Equifax, and TransUnion ) are reporting incorrect and unverified personal identifying information on my consumer file. This includes addresses and phone numbers that do not belong to me and have already been disputed directly with all three bureaus. 

Despite submitting multiple disputes, the bureaus : Continued to report addresses and phone numbers that do not belong to me Did not provide documentation of the reasonable investigation required under the FCRA Failed to provide source verification showing how these identifiers were connected to me Verified the information without furnishing proof Did not delete unverifiable identifiers as required by law Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain accurate files.

15 U.S.C. 1681i ( a ) requires CRAs to conduct a reasonable investigation when a consumer disputes information. 
Unverified information must be deleted. 
Personal identifiers attached to fraudulent or incorrect accounts must be corrected immediately. 

These incorrect identifiers are causing confusion, credit denials, and impairing my ability to obtain accurate credit decisions. 

I am requesting that the CFPB instruct the credit reporting agencies to provide proof, not a verified as accurate statement, showing where these addresses and phone numbers came from. 

Current Address : ( XXXX XXXX XXXXXXXX XXXX, Al XXXX ) ( XXXX XXXX XXXX XXXX XXXX Al XXXX Current Phone 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