vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion regarding the inaccurate reporting of account XXXX XXXX XXXX on my credit report. This account is currently reporting a balance of {$9200.00} with TransUnion, whereas Experian and Equifax reports {$9300.00}. This account is also in litigation. You were notified in a dispute letter sent XXXX XXXX, 2025.This is a clear violation of federal law and misrepresents the nature of the debt. I am formally requesting that this account be immediately removed from my credit report. While I am not seeking monetary relief at this time, if this matter is not resolved within 14 days, I will escalate this issue to my attorney for further legal action.

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 2025-05-06 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: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion regarding the inaccurate reporting of account XXXX XXXX XXXX on my credit report. This account is currently reporting a balance of {$9200.00} with TransUnion, whereas Experian and Equifax reports {$9300.00}. This account is also in litigation. You were notified in a dispute letter sent XXXX XXXX, 2025.This is a clear violation of federal law and misrepresents the nature of the debt. I am formally requesting that this account be immediately removed from my credit report. While I am not seeking monetary relief at this time, if this matter is not resolved within 14 days, I will escalate this issue to my attorney for further legal action.

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 2025-05-06 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: Westlake Services, LLC
State: CA

Complaint narrative:
The finance company ran my credit for funding without my approval. Also I was not approved for any funding. 
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/year> Not sure the amount for auto financing. I phoned them and they told me I have to file a complaint.

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 2025-05-06 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion regarding the inaccurate reporting of account XXXX XXXX XXXX on my credit report. This account is currently reporting a balance of {$9200.00} with TransUnion, whereas Experian and Equifax reports {$9300.00}. This account is also in litigation. You were notified in a dispute letter sent XXXX XXXX, 2025.This is a clear violation of federal law and misrepresents the nature of the debt. I am formally requesting that this account be immediately removed from my credit report. While I am not seeking monetary relief at this time, if this matter is not resolved within 14 days, I will escalate this issue to my attorney for further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express had confirmed on XX/XX/year> XXXX PM EST that a {$200.00} limit was placed on my authorized users card and stated transactions would not exceed that limit. On XX/XX/XXXX, there was a total of {$280.00} spent on their card. I immediately called American Express upon noticing this. I will be attaching screenshots of the accounts activity of the pre-authorizations and another after the transactions posted. There is a discrepancy in the order in which the charges posted, but in reference to the screenshot including the pre-authorizations, these transactions were approved while the card was already over the limit, and outside of the disclosed categories that American Express states are allowed even if the limit has been reached. But contrary to excluded categories, the representative stated they had an additional {$66.00} that they were able to spend. This leads me to believe that the confirmation I got on XX/XX/XXXX was not actually confirmed. How could they possibly have an available spending limit while their card is already over the limit? This leads me to believe that there is a delay in the system from the time they confirmed the limit was set to when it was actually applied. The representative then stated that it takes XXXX hours for the limit to take effect. No where in the terms does it state that, and I am attaching a screenshot of the confirmation email confirmation the limit was placed and it will take effect immediately. I also informed the representative of this, and they then stated when an account has excellent payment history, they will allow over-spending to happen. Another statement that was made by American Express is since these are pre-authorizations, they are not included in the limit placed, as they could fall off. That is absolutely not how banking works, an amount authorized is always deducted from an available spending limit unless that transaction was voiced or already credited back. No where in the terms or any of their disclosures does it say any of this. This is solely about principle. Another account I have with American Express had a user spend $ XXXX when their assigned limit was {$1000.00}. I have all my documentation to back everything I am saying, and American Express is not abiding by their own terms and disclosures and saying whatever they want. XXXX verbal statements that were never mentioned or agreed upon when making these financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi my name is XXXX XXXX Ive been a customer of capital one for a couple of years now any time I have a problem with my credit card they will just not help no matter what theyre agents dont understand anything they cant speak proper English it gets very hard to make them understand things I recently just got a dispute done with them they XXXX  on the phone said I will be getting a temporary credit for the transactions I call back today the XXXX  doesnt know what shes doing I have a email saying I be getting a credit she on the phone is telling me they will have to send me a check for the amount I cant wait XXXX  days for the check even when the email says differently theyre customer service XXXX to the ground because our money is not safe with them because if I only have XXXX XXXX  to my name and someones steals it and they say what they said to me over the phone I will be homeless

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-05-06 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Summary : Capital One failed to properly XXXX  XXXX of my XXXX payments made between XXXX and XX/XX/XXXX, despite having documentation that all payments were processed. I spent over XXXX months and more than XXXX hours trying to resolve this basic error. 

Details : Between XXXX and XX/XX/XXXX, I made XXXX payments to my Capital One account. Only XXXX were properly credited. I have receipts confirming all XXXX payments were processed and cashed. Despite multiple written attempts starting in XX/XX/XXXX, the issue was not corrected until XXXX XXXX XXXX months later. 

The credit was finally applied through Capital Ones legal representative, XXXX XXXX XXXX, but only after significant delay and poor communication. Even as late as XX/XX/XXXX, a Capital One representative was unaware the issue had been resolved, showing a lack of internal coordination. 

I requested a {$300.00} credit as reasonable compensation for the more than XXXX hours I spent writing letters, sending emails, and making phone calls. I also asked for a written explanation and for steps to prevent future errors. On XX/XX/XXXX, I was told no action would be taken. 

Desired Resolution : A {$300.00} goodwill credit for the time and stress involved. 
A written explanation of the error and steps Capital One is taking to improve internal communication and customer service. 

Capital Ones response and handling of this issue have been unacceptable, and I am requesting your offices assistance to help hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-06 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Subject : Illegal Reinsertion of Previously Removed Collection Ongoing FCRA & FDCPA Violations Consumer Name : XXXX XXXX Company : Amsher Collection Services Original Creditor : XXXX XXXX XXXX Credit Bureaus Involved : XXXX XXXX XXXX Date of Original Complaint : XXXX/2025 CFPB Case Number : [ Include if available ] Issue Summary : I am urgently filing a new complaint due to XXXX XXXX XXXX unlawful and deceptive reinsertion of a previously removed collection account on all three credit bureaus just days after it was deleted as part of a CFPB resolution. This re-reporting occurred without prior written notice to me, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), and constitutes willful noncompliance.

Violations and Legal Grounds : 1. Illegal Reinsertion Without Notice FCRA 1681i ( a ) ( 5 ) ( B ) XXXX removed the collection between XX/XX/XXXX and XX/XX/scrub> XXXX, 2025.

A new, nearly identical collection was added between XXXX XXXX and XXXX XXXX, 2025. 
No written notice of reinsertion was provided within XXXX business days, as required by law. 
This is a blatant violation of federal law and reintroduces a derogatory item to my credit file unlawfully. 
2. Deceptive Practices Misleading the CFPB Amsher falsely claimed in their XXXX XXXX 2025 response that the collection would be permanently removed. 
Despite this representation, they deliberately re-reported the debt days later, indicating bad faith behavior and deception in the complaint process.

3. Continuing to Report Disputed, Unvalidated Debt FDCPA 15 U.S.C. 1692g ( b ) I have never received full debt validation per my requests. 
XXXX has failed to provide : Proof of original agreement Details of charges and history Proof of their right to collect Reporting this debt without proper validation is illegal.

4. Blocking Dispute Rights FCRA 1681i ( a ) ( 3 ) I am still unable to dispute this debt through normal bureau channels.

Dispute Not Available flags remain active, in violation of my consumer rights.

5. Pattern of Abuse Across Agencies This is not an isolated incident. I have a parallel issue with XXXX. XXXX XXXX, showing a systemic pattern of : Reporting unverifiable debts Blocking disputes Ignoring legal reinvestigation requirements Attached Evidence : Screenshots showing removal ( XXXX XXXX XXXX, 2025 ) and re-addition ( XXXX XXXX 2025 ) Previous CFPB response from XXXX promising deletion Credit score drop and damage following illegal reinsertion Final Statement : This is a clear-cut case of FCRA and FDCPA violations, with supporting documentation. XXXX conduct shows a complete disregard for consumer rights and federal law. I am demanding full deletion and enforcement action within 4872 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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