vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: CITIBANK, N.A.
State: RI

Complaint narrative:
This complaint is about Citi not doing its due diligence and siding with the merchant on a {$250.00} car rental charge for " smoke/ashes '' without timestamped photo evidence of smoke ( I've never smoked in my life ). 

I rented a car on XX/XX/XXXXXXXX  from XXXX near XXXX XXXX. After returning the rental car, the staff member did not bring up any issues. It was only several days later, when XXXX charged my credit card for {$250.00} claiming there was a strong smell of cigarette smoke in the car I rented. I've never smoked in my life! XX/XX/XXXXXXXX  - I called and emailed XXXX 's parent company and they did not provide any details or documentation. The only response was " We were reviewing your information and when we inspected the car there were cigarette remains in the car and a strong smell, and our agreement indicates that if you smoke inside the car there will be a charge of {$250.00} penalty. '' - I told them I never smoked before in my life and requested documentation or photos which they never provided. They simply stopped responding. XX/XX/XXXX- XX/XX/XXXX - I opened a dispute multiple times with my credit card company, Citi, and they sided with the merchant. Neither Citi nor XXXX responded to my request for photo evidence.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently lost my job without any notice and for no reason, because I live in an at-will state which is Tennessee, and I had bills go through and accrue overdraft fees which is fine and I accepted. But I finally got a check for XXXX and deposited it but they are holding it for more than 10 days and telling me its policy. For this reason I am incurring more overdraft balances and they are reversing charges which is hurting my credit score and causing me more fees with Regions bank as well as my credit cards. I need that money to get me by while Im searching for a new job and they basically told me to go XXXX XXXX and wait. They are holding it just because they can and thats not right. I know they can legally but the reason is none other than my name is XXXX XXXX and they are discriminating against me. Ive had large deposits from other institutions with no problem but because this one has my parents foreign name and mine on it they are holding it. I had the option to pay them a fee to get it expedited and I chose not to so now they are holding it. The fee was outrageous like XXXX dollars. I just want to be treated fairly but with a name like mine you can imagine I never do and I also lose jobs and cant find jobs because of it these days. Anyways. I just need my money and for them to reimburse me for any fees they cause me. 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 2025-09-04 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of accounts and inquiries on my credit report that are the result of identity theft following a recent data breach in which my personal information was compromised. I am a resident of Florida and invoke my rights under both federal law ( Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ) and the Florida Information Protection Act ( Florida Statutes 501.171 ).

The following accounts and/or inquiries appearing on my credit report are not mine and must be permanently blocked and deleted : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX bank Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # 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 2025-09-04 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the continued reporting of two Capital One Bank ( USA ), N.A. accounts listed on my credit reportboth of which were closed in bad faith and are currently the subject of an ongoing legal action in the Supreme Court of the State of New York, XXXX XXXX. 

Despite a lawful attempt to discharge the accounts via a negotiable instrument ( in accordance with the XXXX XXXX XXXX ), Capital One refused acceptance without proper cause, failed to return the instrument as required, and then unilaterally closed the accounts. These actions violated commercial due process, breached fiduciary obligations under contract and trust law, and caused direct interference with the administration of a private trust. 

These accounts are now part of an active lawsuit and must not be reported as valid liabilities while the matter is pending. Their continued appearance on my credit profile constitutes defamatory reporting and unjust enrichment by the original furnisher, and it is materially prejudicial to my personal and financial reputation. 

Accordingly, I demand the following : Immediate removal or suppression of both Capital One accounts from my credit report pending full adjudication of the court action. 

Initiation of a reinvestigation under FCRA 1681i to obtain and verify original wet-ink contract ( s ), chain of title, and account ownership from Capital One.

A written statement of the outcome of this reinvestigation and any action taken within 30 days of receipt of this letter. 

Please consider this a formal dispute under the Fair Credit Reporting Act and furnish all investigation results in writing to the address listed above. Failure to comply or refusal to remove inaccurate information may result in further administrative claims or federal action under FCRA, FDCPA, or related causes of action.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this 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 2025-09-04 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Deletion of Inaccurate and Misleading Accounts Dear Experian, I am disputing the following accounts from my Experian report generated XX/XX/year> ( Report # XXXX ). The Fair Credit Reporting Act ( FCRA ) requires you to delete unverifiable or inaccurate accounts. 

Disputed Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as 120 days past due with a {$2200.00} balance. Experian lists last payment as XX/XX/year>, yet shows escalating delinquency without supporting verification. 

Violation : FCRA 1681e ( b ). 

XXXX, XXXX XXXX Accounts One account shows current ( {$120.00} balance ), another lists {$75.00} past due / {$1000.00} balance. Inconsistent reporting creates misleading information. 

Violation : FCRA 1681c prohibits reporting misleading data.

XXXX XXXX XXXX  Reported balance {$1700.00} with 90 days past due as of XX/XX/year>, differing from Equifax and XXXX  records. 

Violation : FCRA 1681i ( a ) requires deletion if unverifiable.

XXXX XXXX Reported as 120 days past due, with balance {$4700.00}, despite last payment XX/XX/year>. Conflicts exist with XXXX  and XXXX. 

Violation : FCRA XXXX prohibits furnishers from reporting known inaccuracies. 

Legal Grounds FCRA 1681e ( b ) : Duty to maintain accurate data.

FCRA 1681i ( a ) : Requires deletion of unverifiable items within 30 days.

FCRA 1681c : Prohibits outdated/misleading negative reporting. 

I demand permanent deletion of these items unless you can provide original signed agreements and full payment validation. 

Failure to comply within 30 days will result in immediate complaints to the CFPB, FTC, and California Attorney General, and consideration of civil litigation under FCRA 1681n, 1681o.

Sincerely,

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I visited XXXXXXXX XXXX XXXXXXXX XXXX ( FL ) for a routine oil change on my XXXX XXXX. Later that day, I was persuaded by the sales department to lease a new XXXX XXXX. 

On the following day ( XX/XX/XXXX ), I discovered the XXXX XXXX air conditioning was not working. On XX/XX/XXXX, I returned and explained my discomfort to Sales Manager XXXX XXXX. He told me I could exchange the car, but in t

he finance department, I was pressured into purchasing instead of leasing. I was shown only a monthly payment
figure without full disclosure of the total financial impact. Under pressure, I signed a purchase agreement for an XXXX XXXX priced at {$75000.00}, an inflated amount far above its approximate {$49000.00} value. 

Additionally, the dealership manipulated the trade-in of my one-day-old XXXX XXXX with only XXXX miles, causing me an estimated {$25000.00} loss. When I returned on XX/XX/XXXX, to request a correction, I was told nothing can be done because the deal had already been funded. 

I believe these practices constitute predatory lending and unfair dealer tactics, exploiting me as a consumer. This experience has left me with significant financial harm. I am a hardworking single mother of a XXXX  XXXX  son, and this situation has placed an overwhelming burden on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
XXXX XXXX XXXX {$1200.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX XXXX XXXX {$1.00} XX/XX/XXXX, XXXX XXXX XXXX {$31000.00} XX/XX/XXXX, XXXX {$1900.00} XX/XX/XXXX, XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX {$490.00} XX/XX/XXXX, XXXX {$920.00} XX/XX/XXXX, XXXX {$980.00} XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-04 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Experian reporting a collection without my permission and never doing business with them. I want it deleted immediately

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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This balance is being reported incorrectly. According to [ my records/ the creditors statements ], the amount shown does not reflect the accurate debt. I request that you investigate I never signed or have a contract with XXXX XXXX XXXX. I do not owe that amount it is inaccurate information. 
Please delete inaccurate information of my credit report it is hurting my ability from obtaining credit.

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 2025-09-04 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: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation