vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX I am filing a complaint against Citibank, my financial institution, which charges me monthly fees and is obligated to handle dispute cases fairly. However, I purchased an item that was never shipped or delivered to my home. Despite this, Citibank rejected my dispute based on two irrelevant documents randomly uploaded by the merchant, which they accepted as " proof of delivery. '' This so-called " proof '' included a fabricated tracking number, lacked any signature of receipt, and contained no photographic evidence. I believe this decision severely violates my consumer rights and has caused me financial loss. 

Details : I orders the product from XXXX on XX/XX/XXXX, payed for express shipping. They promised a 8 day max waiting time for me to get my product. I didn't hear anything from them, not even a shipping label for a whole month, so I asked a refund on XX/XX/XXXX. I need a refund since they didnt even make or ship the product. Its too much later than they promised, I dont want it anymore. I think it's a fair request. 
They ignored my refund request due to the unacceptable late made by them, claimed they ship the product 5 days after I sent the refund request. Did they really ship the product? No. The tracking info keeps saying undefined, which means they created that label, but that shipment never happened. 

3 month passed so far, I still didn't get my order, and when citi bank got my dispute, they said that they got a " proof of delivery '' from the merchant. They send me a letter, attached the " proof of delivery '' they got from the merchant, however it shows no proof of delivery. These are 2 letters from the merchant 's bank and XXXX with not even a tracking number, any signature, or a picture of delivery. 

The attachment shows all the proves and the letter citi bank sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Recovery Management
State: AZ

Complaint narrative:
I received a letter in the mail from a company called Ascension Recovery Management, LLC on or around XX/XX/year>, claiming I owed {$290.00} for a past due XXXX XXXX XXXX account. However, the account number listed in the letter does not match my actual XXXX XXXX XXXX account. I checked my XXXX XXXX XXXX account through the official app, and it shows a {$0.00} balance with no collections or past due amounts. 

I have never missed a payment with XXXX XXXX XXXX and was never informed of any outstanding debt. I believe this debt is not mine and may be the result of mistaken identity or an error. I requested verification of the debt but was not provided with any supporting documentation. 

I am disputing this debt and requesting that it be removed from any records associated with my name.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-13 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-13 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: LEXISNEXIS
State: KY

Complaint narrative:
I have contacted LexisNexis over and over again. By phone, email, XXXX. I have filled out numerous forms and suppression forms for them to REMOVE MY PERSONAL INFORMATION FROM THEIR SITE AND THEY WILL NOT DO IT!!! Stop illegally SHARING my information with third party sites and credit bureaus. I WANT MY INFORMATION SUPPRESSED!!! REMOVE MY PERSONAL INFO FROM YOUR SITE!!! They refuse to correct inaccuracies on my report, and they also refuse to STOP sharing my personal information with third parties and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
Upon reviewing my recent credit report for Experian and Transunion, I have identified several unauthorized and potentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed companies to access my credit file. 

The inquiries in question are as follows for Experian 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 The inquiries in question are as follows for Transunion : 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 In accordance with the Fair Credit Reporting Act ( FCRA ), section 611, I am formally requesting that you validate each of these inquiries. Please provide any documentation bearing my signature that authorizes the inquiries. If such documentation can not be produced, I respectfully demand that these unauthorized inquiries be permanently removed from my credit file.

Enclosed are copies of my identification to assist with your investigation. Please be advised that you have 30 days from the receipt of this letter to conduct your investigation and respond accordingly.

Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed inquiries have been removed or a detailed explanation supported by valid documentation.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my fourth formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/2025, and XX/XX/2025. In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 
Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I want you to send me a detailed list of the history of payments made by me on this account I want to see the signature that I put on a contract guaranteeing that I would pay this creditor Im asking to see has their been any insurance claim found on this debt and lastly I want proof that you have a chain of title to collect on this debt citing 15 USC 1692 G if you believe that you sent proper notification please provided certified mail with recipient displaying my signature. If not please delete account # XXXX from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robinhood placed my account under restriction after 6 years of being a customer. I have called many times and uploaded what they requested. 1 of the documents is not possible to provide to them and I have let them know that. They are holding my funds hostage and not allowing me to discuss my restriction or what it is for. Seems as if they have had a security issue or hack of recent. Bizzare as I have used platform for years. They keep changing date of review of my documents and tell me they are escalating. They will not allow me to close account and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I recently checked my credit report and noticed several inaccuracies. Please delete all disputed information.

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 2025-05-13 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-05-13 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing with serious concern regarding a mismatch between the pre-qualification terms I was offered and the actual terms applied to my new Capital One credit card ( ending in XXXX ). Specifically, I was pre-qualified under the clear impression of a 0 % APR offer for 12 months, which strongly influenced my decision to apply. 

The physical pre-qualification letter was mailed to me and, although I initially discarded it, I fortunately had taken a photo of it before doing so. This photo clearly shows the 0 % APR promotional offer that led me to proceed with the application. 

To avoid confusion about the timeline : I applied in mid-April, but the card did not arrive until Monday, XX/XX/XXXX. During this delay, I called customer service several times to follow up, and an agent confirmed that while my address was correct, the card had somehow been returned. They then reissued a new one for me, which I just received and activated today. 

Prior to card activation, I again contacted customer support to clarify why the APR didnt reflect the offer. The agent told me that it would likely update after activation. Now that the card is active and the APR remains incorrect, I feel misled. 

All of these phone calls and agent responses are recorded on Capital Ones side and can be verified by reviewing the call logs.

When a customer makes a financial commitment based on specific termsespecially one that results in a hard inquiry on their creditit is deeply unsettling when those terms are not honored. It causes both emotional distress and loss of trust in the institution.

Given that I applied in good faith based on a clearly stated 0 % APR offer, I respectfully request that Capital One either : adjust the APR to match the original pre-qualified offer, or remove the hard inquiry from my credit report as a gesture of fairness and goodwill. 

I appreciate your attention to this matter and hope this can be resolved promptly. 

Sincerely, XXXX XXXX XXXX ending in XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was in a bankrupcy and Wells Fargo is my lender. I get a letter from them stating I was behind on 2 payments. I provided proof when they asked. They pulled out from bankrupcy. Then the next several payments I made were reversed. The money was taken from my account but not put back in. Nor did it reflect on my mortgage. I provided bank statements like they requested. They said that wasn't enough proof I made payments. I've always paid through bill pay. They lied and said 2 payments were insufficient. The money came out of account but did not go back in. I requested investigation of my account. I've been with them for18 years and noticed that several payments were not applied to my mortgage and held for months. They also did a motification without my consent. They caused me to go into bankruptcy because they held onto several payments in a row. They applied several payments to one month several times. They demanded more money from my co signer, XXXX XXXX dollars, at the signing of the paperwork, unbeknownst to me and told them that as soon as the papers were signed they would put the XXXX XXXX back into her account. She did not tell me they gave her no choice. They told her to keep her mouth shut. The list goes on and on. I pay for insurance they did not provide it. I asked for an investigation of my account.they took 2 months to do one. They came back with no wrong doing. They have a current lawsuit that involved my account. They were doing modifications on bankrupcies during covid without telling the clients. I still don't have my account straightened out and afraid to pay since the money disappears. They won't return my many phone calls.

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 2025-05-13 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: NC

Complaint narrative:
XXXX settled an account in full during Covid and continued reporting negatively for 4 years on Experian, Equifax and Transunion. The three credit bureaus have different information. I gave all of them a copy of my receipt from XXXX showing the account was settled XX/XX/year>.

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 2025-05-13 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: MI

Complaint narrative:
I recently reviewed my credit report from XXXX and found several errors that need to be addressed right away. I am formally requesting a full reinvestigation of the accounts and personal information listed below, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ). This letter also acts as a dispute, a request for the method of verification, and a request for full file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

To be clear, this is a detailed and valid dispute. I am not requesting standard or automated responses. I personally wrote and submitted each dispute, along with the necessary identification and supporting documents. As required by the Fair Credit Reporting Act, you must conduct a complete and good-faith reinvestigation of all parts of the disputed item, including related fields, codes, and datanot just the tradeline itself. 

XXXX XXXX XXXX XXXXXXXX Case Number : XXXX The following personal information is incorrect Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * Collection XXXX XXXX XXXX  Account Number : XXXX * * * * * * * Charge Off XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Charge Off XXXX XXXX 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 2025-05-13 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:
I am filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681 S.2.A., furnishers must report accurate information. Under 15 U.S.C. 1681 I.

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 2025-05-13 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: CA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681 S.2.A., furnishers must report accurate information. Under 15 U.S.C. 1681 I.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation