vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
My payments have always been on automatic draft. However, one day I was told I had a late payment. Im not sure how that happened, but I paid the late amount of {$3100.00}. Now, 12 months later, Im being told I still owe a balance of {$2300.00} in fees as of today. I dont understand why I still owe anything if the late payment and fees were already paid. I need someone to review my account and give me a clear explanation of what is going on.im attcment prove of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and To inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FRCA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related by U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On Wednesday XXXX XXXX at approximately XXXX XX/XX/XXXXPST I called Citi bank back after numerous phone calls and texts daily from them. 

I am submitting a formal complaint regarding the repeated mishandling of my attempts to speak with a hardship supervisor about my Citi credit card account. 

I have called Citi four separate times and specifically requested to be connected with a hardship supervisor. 
Each time : I was given incorrect or non-working phone numbers. 
On the most recent call, I was even given a number that led to a third-party collection agency, which was completely inappropriate and not what I requested. 
I was not provided accurate or truthful information about how to reach the hardship department. 

This conduct is unacceptable, misleading, and has caused me significant stress while I am actively trying to resolve my account in good faith.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CAPITAL ONE Ls failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CAPITAL ONE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am submitting my XXXX expedited follow-up complaint regarding multiple inaccurate, unverifiable, and outdated charge-off and collection accounts that continue to appear on my credit file despite prior disputes. The following accounts remain unresolved and continue to negatively impact my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances Owed : {$10000.00} ; {$6600.00} ; {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( XXXX entries ), XXXX XXXX XXXX  Balance Owed : {$4600.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00}. These accounts continue to violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), 623 ( a ), and the Fair Debt Collection Practices Act ( FDCPA ) 809, which require accurate reporting, verification of debts, and timely removal of outdated information. Despite my prior disputes, the bureaus have failed to conduct a reasonable reinvestigation or provide original documentation verifying the debts. The continued reporting of these unverifiable and outdated accounts constitutes misrepresentation, misleading reporting, and noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank froze my account on XX/XX/year> and I received no notice. I have {$7800.00} in the account. When I call, they refuse to provide any information and repeat wait for the letter. When I went to the branch, the manager told me only that the account is closing. I am a XXXX XXXX XXXX and now I have no money for gas, food, medication, or bills. This is causing severe hardship and affecting patient care. I am requesting urgent release of my funds and a clear timeline for when the refund check will be mailed.

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 2025-11-27 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:
I am filing this CFPB complaint because Equifax continues to report inaccurate, unverifiable, and unauthorized information on my credit file despite multiple disputes and follow-up requests, and their repeated failure to correct or permanently remove these items has caused ongoing harm, confusion, and financial damage. Equifax is still reporting the XXXX XXXX dated XX/XX/year> even though I have disputed this inquiry XXXX separate times, and Equifax has not provided any proof of permissible purpose as required under the Fair Credit Reporting Act, including but not limited to FCRA XXXX ( XXXX U.S.C. XXXX ), FCRA XXXX ( a ) ( XXXX XXXX. XXXX ( a ) ), and FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ), which prohibit obtaining or furnishing a consumer report without a lawful purpose and impose liability for knowingly reporting false or unauthorized information. I am the verified consumer of this file, and Equifax has repeatedly failed to produce documentation verifying who authorized this inquiry, why it was obtained, or whether any legitimate business relationship existed, and because they can not substantiate the inquiry, it must be removed under federal law. Their continued reporting of an investigation as verified without providing evidence to me violates the accuracy and reinvestigation standards of the FCRA and creates a misleading and damaging impression on my consumer report. This ongoing inaction demonstrates non-compliance with federal law and has negatively affected my creditworthiness, caused denials, and impacted my ability to obtain fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 submitting a complaint as the verified consumer of this credit file to formally request the permanent removal of the inaccurately reported charge-off account XXXX XXXX XXXX Balance : {$4800.00} REPORTING IN TU, which continues to appear on my credit report despite my previous follow-up requests. This is my fourth follow-up letter, as prior submissions have not resulted in the removal of this item. The continued presence of this account is inaccurate, misleading, and does not reflect my true financial history. Its repeated appearance has caused ongoing stress, confusion, and potential harm to my financial reputation, affecting my ability to obtain loans, credit approvals, and other financial opportunities. 
The continued reporting of this account violates several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain maximum possible accuracy in consumer reports, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) mandates proper reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2 prohibits furnishers from providing information known to be inaccurate. The failure to remove this account despite repeated disputes is a clear violation of these statutory requirements.

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 2025-11-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

Account Names and Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$2200.00} opened XX/XX/XXXX. Tried to dispute the collection amount with the company because I Have never owned an account or phone line with XXXX XXXX XXXX. They told me that they could not help me and i had to pay the charge off. 

XXXX XXXX XXXX {$180.00} opened XX/XX/XXXX. Tried disputing this credit charge with credit karma because i never received/opened a credit card with this company and never heard of it and they denied it. 

XXXX XXXX XXXX ( XXXX ) {$970.00} opened XX/XX/XXXX. Never opened or applied for a loan with them I called the company, and they told me it was applied for with my SSN after i told them my wallet was stolen, and they still disagreed to take it off my credit. 

XXXX XXXX {$170.00} opened XXXX XXXX, XXXX. I have never opened an account and i tried contacting the company and disputing it with credit karma. 

Self-Lender {$420.00} opened XXXX XXXX, XXXX. The only credit card i should half on my credit is XXXX XXXX  with XXXX XXXX. I never applied for a self-credit card and i tried disputing it with self and they disagreed to resolve the issue.

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 2025-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$2200.00} opened XX/XX/XXXX. Tried to dispute the collection amount with the company because I Have never owned an account or phone line with XXXX XXXX XXXX. They told me that they could not help me and i had to pay the charge off. 

XXXX XXXX XXXX {$180.00} opened XX/XX/XXXX. Tried disputing this credit charge with credit karma because i never received/opened a credit card with this company and never heard of it and they denied it. 

XXXX XXXX XXXX ( XXXX ) {$970.00} opened XX/XX/XXXX. Never opened or applied for a loan with them I called the company, and they told me it was applied for with my SSN after i told them my wallet was stolen, and they still disagreed to take it off my credit. 

XXXX XXXX {$170.00} opened XXXX XXXX, XXXX. I have never opened an account and i tried contacting the company and disputing it with credit karma. 

Self-Lender {$420.00} opened XXXX XXXX, XXXX. The only credit card i should half on my credit is XXXX XXXX  with XXXX XXXX. I never applied for a self-credit card and i tried disputing it with self and they disagreed to resolve the issue.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under XXXX U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and XXXX  contain several hard inquiries that I did not authorize, did not initiate, and did not consent to, yet they continue to remain on my reports without proper verification. These inquiries include XXXX dated XX/XX/year>, XXXX  dated XX/XX/year>, XXXX dated XX/XX/year>, XXXX XXXX  dated XX/XX/year>, and XXXX XXXX XXXX dated XX/XX/year> XXXX I did not apply for credit with any of these companies during these times, and no permissible purpose exists under FCRA 604 ( a ) for them to have accessed my credit file. I disputed each inquiry with all three credit bureaus as permitted under FCRA 611, but the bureaus have failed to provide documentation proving my authorization or any legitimate credit application. These inquiries were allowed to remain even though they are unverifiable and may be outdated according to FCRA 605 ( a ) and the general requirement under FCRA 605 to remove information that can not be substantiated. The bureaus refusal to correct or remove these entries has left my credit profile inaccurate, misleading, and noncompliant with federal law, and it has caused me unnecessary stress, concern, and difficulty managing my credit responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my 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 2025-11-27 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: MI

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my 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 non-monetary relief
Consumer complaint received 2025-11-27 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 just checked my credit report again and those inaccurate accounts are still there. They were not taken off at all. I am begging for the documents I provided to be fully reviewed because I can not keep living with this stress any longer.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inaccurate late payments should have been gone already, yet they are still on my credit report and I do not understand why. I need a full review of the documents I provided right away because this situation is overwhelming and absolutely exhausting.

Company response to consumer: Closed with non-monetary relief