vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-11-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Dear Sir/Madam, I am writing to dispute the following items on my Equifax credit report. These accounts are listed as charged off and contain inaccurate information that I believe violates the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/year>, I ordered an item from Kohls for {$25.00} but received a completely incorrect product. I contacted Kohls to report that I did not receive my order, and they told me they could do nothing because the package was marked delivered and instructed me to contact Capital One. 

I filed a dispute with Capital One and submitted all requested documentation, including proof of the item I ordered, proof of the item I actually received, and the packaging slip showing the tracking number of the missing item. Kohls and Capital One claim to have an image showing a package delivered on the day the missing item was scheduled, but that image only shows other packages I received that day. This does not prove I received the missing item. 

Despite this evidence, Capital One denied my dispute and now states they will not issue a refund or process the dispute until I attempt to return the incorrect item in store. The item was purchased online for convenience, and the responsibility to correct a shipping error lies with the merchant, not the customer. 

I also emailed Capital Ones CEO and ethics department on XX/XX/year>, requesting assistance and received no response. On my final call to Capital One, I asked to speak with someone who could resolve the issue and was told there was no higher authority available. 

I have this account for 13 years, Im a frequent shopper with Kohls, and I have never requested a refund or filed a dispute until now. With how this is being handled you would think Im a repeat offender. 

I am requesting a refund of {$25.00} for the item I never received. I have followed all instructions and provided clear evidence, yet the current process protects the merchant at my expense. I am seeking CFPB assistance to ensure this dispute is handled fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In early XXXX I received a debit card in the mail from Citibank for an account I never opened. I immediately contacted Citibank and was told the account had been opened online in late XXXX without my knowledge or consent. I reported the account as fraudulent and requested that Citibank close it and provide information about how the account was opened. 

Over the following days, I continued receiving unsolicited mail from Citibank related to the same account, including a full checkbook and activation materials. This confirmed that the account had actually been opened and issued in my name, using my personal information, without authorization. 

Citibank did not provide the information I requested and instead required me to complete an extensive and burdensome identity theft affidavit on paper, including notarization and a police report. Completing Citibanks process required several hours of work, in-person visits, and out-of-pocket expenses. Even after completing these steps, Citibank did not explain how the account was opened, what identity verification they relied on, or whether any of my other personal data was compromised. 

I have since filed a police report, placed fraud alerts and freezes with all three credit bureaus, and filed an FTC identity theft report. I am submitting this complaint because Citibank has not provided any clear explanation of how this happened, what verification failures allowed it, or what steps they are taking to ensure my identity is protected going forward.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.
State: MT

Complaint narrative:
I opened my Revolut account on XX/XX/year>. After making only a few normal personal purchases, Revolut suddenly restricted my account. The app states that my account is under review, but Revolut has refused to provide any details or a timeline for completing the review. 
I contacted Revolut support multiple times. Each time I received only a generic automated message saying the review is ongoing. They will not tell me what triggered the review, what information they need from me, or how long the review will take. As a result, I can not access my own funds or use my account for essential transactions. 
I have no suspicious activity, no policy violations, and no prohibited transactions. All purchases were ordinary and compliant with their terms. Revolut has effectively frozen my digital wallet without due process, transparency, or communication. This prolonged and unexplained restriction is unreasonable and has caused significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I am filing this complaint because Equifax is reporting several charged-off accounts that I believe are inaccurate or not properly verified. I have disputed these items with Equifax, but they still remain on my report without proper documentation. I am asking for the CFPBs assistance to ensure Equifax conducts a complete and fair reinvestigation. 

Here are the accounts I am disputing on my Equifax report : CHARGED-OFF ACCOUNTS XXXX Acct : XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX XXXX : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX XXXX : XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX I believe these accounts are inaccurate, outdated, or not properly verified. 

There are no inquiries listed for Equifax, but I want Equifax to fully re-check all disputed items above. 

I request that Equifax provide proper validation for each account or remove any information that can not be verified according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am formally disputing the following inaccurate items on my Equifax credit report : XXXX. Charged Off Accounts Account Name Account Number Account Date Balance XXXX XXXX XXXX XX/XX/XXXX {$62.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$520.00} XXXX. XXXX Account XXXX Account Date XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX These inquiries XXXX have been reported inaccurately or without my authorization. I request removal of unverifiable inquiries. 

XXXX. Late Payments Account Name Account Number XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please verify and correct or remove any inaccurate late payment entries in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a personal checking account with Citibank on early XXXX, 2025 and deposited {$2300.00}. On the following day, Citibank froze my account, stating that they could not complete phone verification. Since that day, I have been completely blocked from accessing my account or my funds. 

Citibank has refused to : Provide a written explanation for the account freeze, Allow me to access or withdraw my own money, Close the account upon my request, Return my funds through a cashiers check or any other method. 

It has now been several weeks, and Citibank continues to withhold my money without any legal justification or regulatory basis. I was repeatedly told that I must wait, but no timeline or documentation has ever been provided. 

This is an unlawful account freeze and a denial of access to my own funds, which violates federal banking regulations and consumer protection laws. I am requesting CFPB assistance to compel Citibank to immediately release my funds and provide a written explanation for their actions. 

I am requesting : 1. Immediate return of my full balance, 2. A written explanation for the freeze, 3. Closure of the account ( if I request it ).

Thank you.

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 2025-11-21 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 complaint because Equifax is reporting several accounts on my credit file that are inaccurate, incomplete, or unverifiable. These errors are seriously damaging my credit and are preventing me from accessing fair financial opportunities. 

I have attempted to resolve these issues by requesting a reinvestigation as allowed under the Fair Credit Reporting Act ( FCRA ), but the accounts remain on my report without proper correction or removal. Many of the accounts listed show inconsistent or missing information and do not meet XXXX XXXX reporting standards. 

The following accounts should be reviewed and removed if they can not be properly verified : XXXX XXXX XXXX  Account # XXXX * * * * XXXX XXXX Account # XXXX * * * * XXXX XXXX Account # XXXX * * * XXXX XXXX XXXX Account # XXXX * * * * XXXX XXXX AUTO Account # XXXX * * * * Additionally, there are numerous inquiries reported by entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others that appear questionable or duplicative. These inquiries further harm my credit profile and should be validated or removed. 

I am asking Equifax to follow the law and perform a complete reinvestigation. If the data can not be verified with full accuracy and documentation, it must be deleted. 

This inaccurate information is harming my life, and I respectfully ask for the Consumer Financial Protection Bureaus assistance in holding Equifax accountable and restoring the integrity of my credit file. 

Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 non-monetary relief
Consumer complaint received 2025-11-21 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: OR

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This complaint is based on events which occurred on XX/XX/year> during a court trial. I have unsuccessfully sued Barclays Bank Delaware as the issuer of an AAdvantage Aviator Red Mastercard to me, as the cardholder, to recover, or obtain a charge back of, a {$6200.00} charge placed on my card by someone or something identified by Barclays only as " XXXX XXXX XXXX XXXX XXXX XXXX  '' on my credit card statement. My claims against Barclays were based upon, among other things, California Business & Professions Code section 7031 ( b ) and 15 USC 1666i. At the outset of the XX/XX/XXXX trial in XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the judicial officer opined that I needed to sue the merchant who placed the XX/XX/year> charge of {$6200.00} on my card account and not the financial institution which issued the card. I have no right to appeal the judgment of the XXXX XXXX XXXX. However, during the trial Barclays asserted that it was unable ( or perhaps just unwilling ) to disclose information about the identity and location of " XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' so as to allow me to serve whomever or whatever such billing code name represents with court process to try to recover my {$6200.00}. The {$6200.00} is based upon an illegal and fraudulent debt which someone or something called " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' placed on my card account as an unlicensed contractor and which turned out to be a criminal enterprise consisting only of a network of cell phones and individuals with trucks without any physical address. Barclays paid, directly or indirectly, {$6200.00} to someone : an existing human or entity and I need the name ( s ) and address ( es ) of such human being ( s ) or other entity who can be served with a complaint to recover money. This complaint to the CFPB is based upon the conduct of Barclays during the trial on XX/XX/XXXX which is not the subject matter of previous complaints to the CFPB, and seeks only to require Barclays to disclose non confidential and non proprietary information to me and the CFPB and which it has in its possession or which it can readily obtain.

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 2025-11-21 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: MA

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I ask for all 3 credit bureaus to correct my Name and remove all unknown addresses from my credit profile I sent a copy of my id and proof of address to all 3 bureaus but the information is still showing on my reports

Company response to consumer: Closed with explanation