vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding continued collection efforts on a disputed timeshare-related debt involving XXXX XXXX  XXXX and an affiliated debt collection agency. 

In XX/XX/year>, the debt collector sent documentation in an attempt to validate the alleged debt. On XX/XX/year>, I responded with a formal dispute letter, outlining the fraudulent nature of the original timeshare contract with XXXX XXXX XXXX and clearly stating that the validation provided was inadequate. I requested that all collection efforts cease in accordance with the Fair Debt Collection Practices Act ( FDCPA ) until the dispute is resolved. 

USPS delivery records confirm that my dispute letter was received on XX/XX/year>. However, instead of addressing my concerns, the collector sent a XX/XX/XXXX letter falsely stating that I had ignored previous demands for payment. They failed to acknowledge receipt of my dispute or respond to any of the points I raised. Since then, I have received no written response from the collector at alldespite my demand for a reply within 15 days. 

To make matters worse, XXXX XXXX XXXX has continued to send me billing statements, ignoring the fact that the debt remains actively disputed and unresolved. 

This is a clear violation of the FDCPA. It is unacceptable for both the collector and XXXX XXXX XXXX to continue pursuing payment without addressing my dispute or properly validating the alleged debt. I believe this debt is invalid due to fraud and misrepresentation at the time of sale, and I have made that known in writing.

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 2025-04-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-04-29 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo credit card department to report fraud on my card. Our phones and credit card information was stolen from our rental car in XXXX XXXX. I have sent them the police report. Charges that we did not make were to XXXX XXXX, XXXX, XXXX, XXXX on XX/XX/XXXX. XXXX separate charges : {$990.00}, {$840.00}, {$880.00}. I have since called them nine times and the person who is covering my case is never available to talk to. The extension she gave me to call her is not valid. I went to the local Wells Fargo branch and they tried to help me but there is not much they can do.

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 monetary relief
Consumer complaint received 2025-04-29 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$3000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$26000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$930.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
Informed Equifax the balance on my XXXX account is not accurate and I was Never Late on a payment. I also informed them that All information on my consumer report needs to be Accurate according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized hard inquiry from XXXX on my Experian credit report. I did not apply for any credit with XXXX  or authorize this inquiry. I have never had any relationship with XXXX. 

I filed an official identity theft report with identitytheft.gov ( FTC Report # XXXX ), which is attached. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that Experian remove the unauthorized inquiry from my report and block it from reappearing. I also request a reinvestigation be opened under FCRA 611 and 605B. 

Attached : Identity Theft Report PDF including my signed personal statement and affected companies.

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 2025-04-29 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: NC

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) regarding the inaccurate reporting of late payments on my credit file by Experian. 

Upon reviewing my credit report, I identified that the account XXXX XXXX XXXX is inaccurately reporting 10 late payments. In fact, all payments on this account were made on time. 

Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy when reporting consumer information. The reporting of these payments as late is false, misleading, and has caused direct harm to my credit profile. 

Attached to this letter is an image of my credit report, clearly showing the reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These derogatory marks are inaccurate and should not be included in my credit file. 

I respectfully request the following : Conduct a thorough investigation into the accuracy of these reported late payments.

Verify the payment history using original account documentation.

Immediately update the payment history to reflect Paid as Agreed for all the dates listed above. 

This issue has also been reported to the Federal Trade Commission ( FTC ) under FTC Report Number : XXXX. 

Failure to correct these inaccuracies would constitute a violation of my rights under the FCRA. If the matter is not promptly resolved, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and other appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. I expect a written confirmation of the actions taken to correct my file.

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 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Fraudulent Charges Background : I purchased vouchers for XXXX tickets through XXXX, in the amount of {$86.00} total. I purchased three sets of two-tickets and a single ticket - four vouchers equaling seven tickets. I paid XXXX in full on XX/XX/XXXX with my Capital One credit card. I was then directed to the merchant 's ( XXXX XXXX XXXX ) website to make the reservation & redeem the vouchers. On the merchant 's website, I was charged a " booking fee '' for each XXXX voucher. This is how the merchant obtained my credit card information. I authorized three charges in the amount of {$8.00} each and one charge of {$4.00} from XXXX XXXX XXXX for the booking fees, which were paid in full on XX/XX/XXXX. After we completed our reservation on XX/XX/XXXX, XXXX XXXX XXXX charged my card {$100.00} on XX/XX/XXXX & the same amount again on XX/XX/XXXX. I should not have been charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. I should not have been charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. I was paid in full on XX/XX/XXXX. 

Capital One/ Visa Mastercard Dispute Experience : I contacted Capital One to open a dispute for the XX/XX/XXXX payment in the amount of {$100.00} around XX/XX/XXXX. The merchant charged my card the second time just days later on XX/XX/XXXX, in the same amount of {$100.00}. I provided proof and receipts showing I paid through XXXX to Capital One and opened another dispute for the second fraudulent payment. On XX/XX/XXXX, Capital One sent me an update stating the merchant had responded stating " no other payments were received for this purchase '' and that I would be charged for that amount. I called Capital One again on XX/XX/XXXX and provided a written statement and receipts. I called Capital One again on XX/XX/XXXX and provided a written statement and receipts. I called Capital One again on XX/XX/XXXX and provided a written statement and receipts. Ultimately, Capital One has forced me to pay for two fraudulent charges in the amount of {$100.00} each. 

It is now XXXX, I have spent XXXX months providing proof, speaking to agents on the phone for hours at a time and Capital One did not protect me as a consumer. I paid my credit card to XXXX and closed the line of credit. This was my main card that I used for years, and I loved the perks the card offered. That being said, Capital One did not protect me from fraudulent charges. I can not continue the financial relationship, and I will never use Capital One again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
At the end of XXXX someone got into my car and stole paperwork out of my glovebox. I did not realize at the time but I now realize my social security card + passport were in the car after discovering XXXX inquiry 's were made on my credit line + bank accounts. 

I believe I first reached out to XXXX + all of the companies on XX/XX/XXXX/25 regarding all attempts I was aware of at the time of someone trying to open accounts with them under my name. I still expect further attempts will be made. See below for a break down of all alerts I have been made aware of on my credit report : XX/XX/XXXX/25 - XXXX XXXX XXXX XX/XX/XXXX/25 - XXXX  XXXX XXXX/XXXX/25 - XXXX XXXX XXXX XX/XX/XXXX/25 - XXXX XXXX XXXX XX/XX/XXXX/25 - XXXX XXXX  XXXX/XXXX/25 - XXXX XXXX XXXX XXXX XX/XX/XXXX/25 XXXX XXXX XXXX  XX/XX/XXXX/25 - XXXX XXXX XXXX  XX/XX/XXXX/25 - XXXX XXXX XXXX XX/XX/XXXX/25 XXXX XXXX XXXX XXXX/XXXX/25 there was an also an attempt to withdraw {$4400.00} from my personal checking account. Fortunately I learned about this attempt within hours and alerted my bank ( Chase ) and had a fraud case opened right away. We decided to close that account and open a new account, the very next day there was an deposit and withdraw another check, in this brand new account for {$7500.00} this time. 

I am in the process of moving my banking over to XXXX XXXX XXXX as we speak. And while I was speaking with a banker on XX/XX/XXXX I learned that there was also an attempt to open an account earlier in the month at that same location I was visiting. Fortunately this was stopped before they could open anything. 

I believe this is all I know of at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 



Please remove the following items from my credit report, immediately : XXXX Trans Union Equifax XXXX XXXX. {$3200.00} XXXX XXXX {$880.00} XXXX XXXX {$190.00} XXXX XXXX {$830.00} {$500.00}

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently reviewing my credit report and notice I had fraudulent information On my credit report, please remove these accounts from my credit report they are hurting my ability to obtain credit and soon will cause homelessness.

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 2025-04-29 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have inquires on my credit report that I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
This bank " The Huntington National Bank XXXX XXXX OH '' has lost my title and refuses to send me a title for my XXXX XXXX XXXX I bought on XX/XX/XXXX2025 from XXXX XXXX XXXX XXXX OH. It cost me {$27000.00} for a truck I cant drive. Cant register in my name. Paying insurance but illegal to drive since 30 day temp tag expired. They tell me my title is on hold. Very poor customer service and poor management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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 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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX2025, I used by Bank of America Checking account to send money of XXXX USD to my friend using XXXX. My friend registered her XXXX using phone number. 

My friend 's XXXX is associated with her XXXX XXXX XXXX 
The amount of XXXX USD is deducted from my Bank of America checking account immediately, but until XXXX/2025, the money is not received by my friend 's XXXX XXXX XXXX yet. 

I called Bank of America to confirm status for this transfer, and Bank of America said the money is already sent and status is done. My friend called her XXXX XXXX XXXX, and XXXX XXXX XXXX said there is no incoming money.

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