vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I visited mariner finances for a personal loan. The loan was approved by the underwriters with my car as collateral and my mother as a co signer. I met with a representative on Sat XX/XX/year> that was to help me because the rep that initially helped couldnt be there on Sat. The rep I worked with on Sat was a complete circus act. We were already approved and that was the reason why we were there. So many red flags occurred, she asked me for my debit card for direct deposit. Telling me XXXX get my funds faster if I give her my debit card. The other two reps in the office snickered and laugh as she played her games with me. Yelling my personal information all over the office over and over. Trying to make me feel as though the loan will not be approved Or she had the power to deny it. I told the rep three times that we can cancel the loan my mother and I was ready to go we were tired of the clown show. She kept insisting we stay. After some time she finally says she can move forward with the loan. We did all the paperwork and finally at the end the rep had XXXX more trick up her sleeve. Throwing a personal pad down on the desk, she asks me verbatim Now tell me a list of the exspensive items you have in your house. Prepared to write this information on a personal paper pad and not enter this in the system, like she put everything else. 

After a secure loan was approved with my car as collateral I found this to be belittling and intrusive. She said I cant get the loan if I dont provide her a list of expensive items in my home. So I walked out. If this is what the underwriters was telling her, she should have explained this to us before all the paperwork. Very cold atmosphere not welcoming very tricky individuals. I talked to leadership and the of course tried to cover for her telling me about debit funding, using the term out of context. To confuse me. Never have I ever heard about using a debit card for the initially direct deposit of the funds. And me to go and get it and I handed this to her she took it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below. I believe these accounts are inaccurately reported and request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please review the following accounts for each credit bureau : Charged-Off Accounts : No charged-off accounts listed. 

Inquiries : EXPERIAN XXXXXXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Experian ( EX ) : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a check from my employer like always and every time I go to cash it through capitol one theres some kind of issue. I got them to release the funds last time ( the check is still from the same company and basically the same amount XXXX dollars. ) but this time they said theyre werent going to release the funds cuz they havent received their cash from a truck because of the holiday. This is absolutely nonsense and my bills need paid today. If they dont get paid I expect capital one to be liable for anything that happens because of my missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX  accounts XXXX XXXX XXXX XXXX XXXX for {$3.00} and XXXX XXXX XXXX XXXX XXXX for {$2.00} were written off and subsequently sold to Midland Credit Management without my written consent, and signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
MY CREDIT SCORE SHOULD HAVE RISEN HIGHER FROM XXXX WITH XXXX FRAUDULENT ACCOUNTS, CREDIT SCORE DROPPED TO XXXX AFTER REMOVING XXXX FRAUDULENT ACCOUNTS AND LEAVING XXXX REMAINING FRAUDULENT ACCOUNTS XXXX XX/XX/year>. ATTACHED POLICE Report of my Identity Theft and affidavit notarized & signed, next step, UCC LAW SUIT WILL BE FILED AGAINST SAID CREDIT BUREAU & NAMED REPRESENTATIVES for personal assets in This matter. XXXX CREDIT SCORE XXXX AND XXXX CREDIT SCORE IS XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: ME

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Chime Financial Inc
State: OR

Complaint narrative:
My Account was at a {$0.00} balance and chime took {$36.00} and then {$4.00} and then {$14.00} with no explanation on why they are stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: LA

Complaint narrative:
I am filing a complaint against the credit bureaus and the data furnishers for reporting inaccurate, inconsistent, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ).

Despite submitting formal disputes, requesting reinvestigation, and requesting Method of Verification ( MOV ), the credit bureaus failed to provide proper verification, failed to correct obvious reporting errors, and continued reporting inconsistent data across XXXX XXXX XXXX XXXX 

The bureaus also marked items as verified without providing documentation or confirming the accuracy of the reported information. This has resulted in significant harm to my creditworthiness. 


I opened this dispute on XX/XX/scrub>XXXX XXXX XXXX  hunter warfield failed to legally verifiy my account. under statue FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
TransUnion is reporting a XXXX XXXX account that does not belong to me, even though the bank has already confirmed it is not my account and agreed to remove it. Despite my dispute and proof submitted, TransUnion has failed to delete this inaccurate and unauthorized account, violating FCRA 611. I am requesting CFPB intervention to force TransUnion to immediately remove the account and correct their non-compliance. 
XXXX XXXX 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
Consumer complaint received 2025-11-25 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-25 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint because my credit file continues to report unauthorized and inaccurate information that I did not open, authorize, or consent to, and that I timely disputed. 
I have supporting documentation, including an FTC report ( Report/Confirmation : XXXX, dated XX/XX/XXXX ). 
Despite this documentation and repeated disputes, the credit file still reflects the following disputed items that must be blocked/deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reflects noncompliance with the FCRAs requirements to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) and to block/delete fraudulent/unverifiable information upon receipt of an FTC report ( 15 U.S.C. 1681c-2 / FCRA 605B ).

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 2025-11-25 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: ME

Complaint narrative:
I booked an XXXX for {$670.00}, paid in two separate transactions on XX/XX/year> and XX/XX/year> ( dates the transactions were processed by the merchant ). I checked in on XX/XX/year> and immediately found multiple serious defects : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I reported all of these issues to the host on XX/XX/XXXX in the morning immediately after we arrived, and provided photos. XXXX XXXX addressed the XXXX issue the same day, and one shower was fixed on XX/XX/XXXX, three days into the 4-night stay, but the XXXX problems, XXXX, and second XXXX remained unresolved for the entire stay. 

After the stay ended on XX/XX/XXXX, XXXX reviewed the case and issued only a partial refund of {$160.00} on XX/XX/XXXX, which did not resolve the defective-service issues. Because XXXX did not correct the major problems, I filed disputes with Capital One for both of the charges. 

Dispute # 1 Approved Capital One approved the first dispute for the amount of {$290.00}, determining that the service was not provided as described. This refund was issued. 

Dispute # 2 Denied The second dispute, for {$380.00}, was denied. The denial referenced partial use and XXXX cancellation policy, even though I could not have known about the defects until arrival and cancellation policies do not apply to defective-service claims. Both transactions relate to the same stay, same dates, same property, and the same documented issues. 

Procedural Issue I requested a consistency review because the two disputes were evaluated under different criteria. Despite the first dispute being approved, the second was re-closed using the same incorrect reasoning and without reconciling the inconsistency. 

Attempt to Escalate Internally I attempted to escalate the issue by phone on multiple dates through multiple routes ( XX/XX/XXXX and XXXX ), but Capital Ones dispute representatives stated that they could not transfer me to any other department. Customer service also told me they could not escalate or open a complaint outside the dispute department. 

This left me with no internal path to resolve a procedural inconsistency : two charges for the same XXXX stay were handled differently, despite identical evidence and circumstances. 

What I am asking I am requesting that Capital One review both disputes together as one merchant event and apply the same defective-service criteria consistently, as was done in the first dispute that was approved. 

I can provide photos, XXXX communications, dispute letters, refund receipts, and call logs as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation