vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I noticed on my XXXX  Credit report that Jefferson capital was reporting a collection, charge off for the amount of XXXX then called them and told them I was a victim of the XXXX data breach an they guy on the phone stated he didn't know what to do an he could not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to dispute an unauthorized account appearing on my credit report. I have never opened, authorized, or used this account, and its reporting is entirely inaccurate. The presence of this account is unfairly harming my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified 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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
When the account was opened by the Best Buy store they used the incorrect address. Upon calling Citi to have the card sent to the correct address, I was told to wait 3-4 days for my account to open first. After waiting 3 days I called them back and was told that the card had already been delivered and that I would need to verify my phone number through text message verification in order to update my address or have a new card sent. I never received the text while I was on the phone with them and was told that it wouldnt send. I requested another form of verification and was told that there werent any alternatives and that they would give me a call back within 10 days. Upon receiving a call back, after giving them all of my information multiple times, I was once again not able to receive their verification text and once again was told to wait another 10 days for a call back. After this I informed them that I wanted to close my account. In response they told me that my account couldnt be closed until I completed their verification when I received a call back in 10 days. I informed them of my right to close the account upon my request and was told once again I couldnt do so. I asked to speak to a supervisor and after her initially denying me the ability to close my account she put me on hold and finally told me that she could close it. She refused to give any identifying information other than that she was a supervisor in Consumer Protection and that her name was XXXX. I spoke to her at XXXXXXXX XXXX XXXX XXXX  on XXXX. Furthermore I was then told that I could have the card resent out to the correct address but that Id have to be transferred to a different department. I agreed and after over an hour of giving my information and being transferred I was told it couldnt be sent out and that Id have to wait once again. Upon being told this I instructed them to close my account. I was then told that I couldnt do so and the operator hung up on me without resolution. He claimed his name was XXXX and that his department was Consumer protection with Citi. I spoke to him at XXXXXXXX XXXX XXXX XXXX on 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 2025-08-22 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-22 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: FL

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law.

The following inquiries are unauthorized and must be permanently deleted : XXXX - XX/XX/year> I have already disputed these items directly with Equifax, providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized.

I am being denied credit opportunities.

When I do receive approvals, I face higher interest rates and less favorable terms.

These violations have placed me at risk of further identity theft and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
i received a letter from cash app regarding my unclaimed funds in old account i just want to recover my funds, i already sent over all documents for identification. i just want my momey

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the last few months I have contacted this co wilshire/ westlake financial which is one co with two names. and I disputed the incorrect info on all my credit reports the info they are putting in the notes and status of the acct is completely false and not accurate so it's completely affecting my credit in a negative way they will not provide proof I requested or update and fix my credit that I have been disputing for months now to have correct info on the account so it is not affecting all my reports in a negative way since it's is completely false info paid in full not paid less then the total amount due it was never in collections only two late payments then paid the account in full not less then full and paid off the whole entire loan a couple years before the loan was even due so it all not accurate info

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
I have not used this mid Ohio emergency service the only one I find by searching is emergency room doctors, I have not used an emergency room in 10 years and this debt pops up on my credit report for {$1100.00} dollars with no other information. I do not owe this. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal request to investigate and remove particular, unauthorized accounts from my credit report. I have enclosed the pertinent documentation for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
On XX/XX/year> my vehicle was repossessed by Credit Acceptance. The vehicle was later sold at auction for XXXX. However, I was informed that I still owe a remaining balance of XXXX I am disputing this deficiency balance because I believe the vehicle was sold for significantly less than its fair market value. I would like a full explanation of how the sale price was determined, including documentation of the auction results, the fair market value at the time, and how the remaining balance was calculated

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I strongly advise against using Freedom Mortgage. They misled us with letters claiming we owed {$330.00} and told us the letters were scams and not to pay, even though we were never behind on our payments. Following their instructions, we paid immediatelybut they still damaged our credit report by 95 points.

They refused to take responsibility and kept directing me to email addresses that explicitly say Do Not Reply. Over the past three months, theyve continued sending certified letters for the same issue. This has caused unnecessary stress, confusion, and financial damage. All the customer service Reps and supervisors are trained scammers In my experience, their practices feel like a total fraud and scam. Be very cautious when dealing with this company. I will put a review everywhere including Tv channels and complaints to 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing accounts listed on my credit history that I did not authorize. Please review thoroughly and expunge these entries from my record. Documentation is attached.

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 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
target redcard is saying they have no record of me paying this card off, which is completely untrue. No report shows a balance on said account. They are ridiculous and the account should be removed from my report as was the deal when I paid it off. They don't seem to know anything and this needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-22 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am seeking remedies of the effects caused by my data being breached by several companies. The information that was leaked allowed for my information to be found and purchased on the black market. Bank accounts, credit cards, apartments, loans, in my name utilizing my personal information. This has caused undue stress on my life, I have been in extreme distress trying to get back above water, due to this completely preventable situation. 

I have reached out to these companies and sent certified and priority mail to no avail. My complaints have went ignored for several months, with no communication from the companies, therefore I am going to pursue are legal remedies and resources available to me, until this situations is rectified.

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 2025-08-22 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company is reporting a name that is not associate with me and I never heard of. Could you please help me to fix this situation as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company is reporting a name that is not associate with me and I never heard of. Could you please help me to fix this situation as soon as possible?

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had a XXXX while I was driving. I was immediately transported to a XXXX  in which I had to do a lot of MRIs and a XXXX as well to remove a piece of what they noticed inside my brain. Two weeks later I found out I had XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I had a major XXXX to remove as much as possible. This led a medical leave from XXXX with ongoing treatments, checkups, and substantial medical expenses. I contacted Capital one three different times in the past three weeks to explain my situation and request hardship assistance. During one of these calls, I was told my minimum would be reduced to {$150.00}. However, when I checked my account today ( XX/XX/XXXX ) the minimum fur was {$400.00}. I have explained my condition and hardship clearly each time, and Capital One continues to deny any meaningful support. I am not asking to eliminate my debt-I want to pay and remain in good standing. But their refusal to work with me or follow through on what they promised me is in unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Date of charge by XXXX to my JPMorgan Chase Bank , N.A . Visa was XX/XX/year> Date initial dispute opened : XX/XX/year> Never received denial notice Escalation promised on TWO subsequent dates but never delivered Request : reversal of {$360.00} charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXXXXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXXXXXX XXXX  - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief