vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
This complaint is to file a FORMAL FACT-BASED DISPUTE and REQUEST FOR REINVESTIGATION under 15 U.S.C. 1681i of the FAIR CREDIT REPORTING ACT ( FCRA ) against Experian. I am disputing the accuracy, completeness, and Metro 2 compliance of information appearing on my Experian credit report.

The information listed below contains inaccurate, unverifiable, or incomplete reporting that violates : FCRA 1681e ( b ) Experians duty to ensure maximum possible accuracy FCRA 1681i Experians duty to properly reinvestigate disputed information Metro 2 reporting standards, including required fields relating to payment status and account history I am requesting that Experian conduct a full reinvestigation and obtain direct verification of accuracy from the original data furnisher. If Experian can not substantiate the information with documented proof, it must be corrected or deleted immediately as required by federal law. 

DISPUTED ACCOUNT Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$1400.00} Address of Furnisher : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Issue : There are reporting inconsistencies in payment status, balance updates, and last activity dates when comparing Experians reporting to the other credit bureaus. These discrepancies indicate that Experian is reporting inaccurate and/or unverified information, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and Metro 2 Field 17A ( Payment Rating ) requirements.

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 2025-12-02 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: GA

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiry by XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing an unauthorized hard inquiry that appears on my credit report. I did not apply for credit with XXXX XXXX XXXX XXXX and did not grant permission for any credit check. I am requesting the immediate removal of this inquiry because it was completed without my knowledge or consent, which violates provisions of the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Inquiry Details Company : XXXX XXXX XXXX XXXX Reported Date : XX/XX/year> Purpose : Unknown No application submitted, no credit request made, and no consent provided. 

My Rights Under Federal Law Under the Fair Credit Reporting Act, a company must have permissible purpose before pulling or accessing a consumers credit file. XXXX XXXX XXXX XXXX had no permissible purpose because : I did not authorize the inquiry I did not apply for any credit product I received no notice or request for my consent Reporting an unauthorized inquiry violates FCRA Section 604 ( a ) ( 3 ), which clearly states that a credit pull can occur only with the consumers direct authorization or for an existing account relationship.

Required Action. 

I am requesting : Immediate deletion of the unauthorized XXXX XXXX XXXX XXXX inquiry A new updated copy of my credit report reflecting the removal The name and contact information of the individual or entity that certified a permissible purpose for this inquiry Documentation received from XXXX validating the inquiry If they can not provide verifiable documentation proving I authorized this inquiry, you are required under FCRA 611 to remove it immediately. Since I did not authorize this inquiry, I am concerned about possible misuse of my personal information..

Closing I expect a full response and resolution within the required thirty day investigation period. Please mail the results to my address above. 

Thank you for your prompt attention. 

Sincerely, Your 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
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
My credit info was used to try and open fraudulent credit account. I am a victim of identity theft. Please dispute and remove following inquiries from my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2025-12-02 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: OH

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is my second complaint regarding excessive overdraft fees. After I filed my first CFPB complaint, Wells Fargo continued charging me approximately 12 MORE overdraft fees. This shows that the bank did not stop the harmful behavior, did not fix the underlying issue, and did not properly investigate my account. I attempted to resolve this in person and by phone and was refused assistance. Wells Fargos previous response did not include any dates, documentation, or explanation of how they reviewed the fees, and now the account has become even more negative due to the additional fees. This has created ongoing and severe financial harm to my business. I am requesting a full investigation into these new fees and a complete review of all overdraft fees within the last 12 months.

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 2025-12-02 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: OH

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 reports 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 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 shall-i ) 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 that information has been or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately ; Experian : XXXX XXXX XXXX XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Paid, Closed Status updated : XX/XX/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
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing the reporting of a Capital One credit card account because the information being furnished is inaccurate, inconsistent, and unverifiable. 

Capital One is reporting multiple conflicting dates and statuses across XXXX XXXX and XXXX. The Date of First Delinquency ( DOFD ) is being reported incorrectly. It shows XX/XX/XXXX as the DOFD, but Capital One continues to update and report the account as delinquent and charge-off through XXXX, which violates FCRA 623 ( a ) ( 5 ). 
A DOFD can not change, yet the furnisher is updating the delinquency pattern in a way that artificially extends the reporting period. 

There are also inconsistencies in the payment history, charge-off date, past-due amounts, and the status update dates. The monthly reporting does not align with the actual timeline of when the account became delinquent or when the account was closed. 

I requested verification and documentation from Capital One that would show : Proof of the correct Date of First Delinquency Complete payment history Proof of the charged-off balance Verification that the reporting complies with FCRA guidelines Capital One did not provide any documentation or proof, and only sent a generic response claiming the reporting is accurate without validating any dates or amounts. 

Because Capital One failed to provide verification and continues to report conflicting information, I believe the account is being inaccurately furnished and is harming my credit profile. 

I am requesting CFPB assistance because the CRAs and Capital One have not corrected these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am filing a formal complaint because Rent Recovery Solutions, acting on behalf of XXXX XXXX XXXX ( XXXXXXXX XXXX ), erroneously reported a debt as a " collection '' to XXXX, even though I paid on time and have proof of payment. 

Timeline of the Problem XX/XX/year> : We paid the full amount of {$780.00} directly to XXXX XXXX XXXX within the established timeframe. 
We have bank statements/receipts proving the payment was made on that day. 
Subsequently : Despite the timely payment, Rent Recovery Solutions reported the account as a " collection '' to Experian. 
This information negatively impacted my credit report without justification. 
Actions Taken : XXXX XXXX XXXXXXXX directly confirmed that they received the payment on XX/XX/XXXX and sent Rent Recovery Solutions a ledger sheet demonstrating that the account was paid correctly. 
Rent Recovery Solutions corrected the status to " paid and closed, '' but refuses to remove the collection entry, claiming they can only do so if XXXX requests the removal due to an error. 
XXXX states that they have already sent all the evidence of timely payment and can not do anything further. 
Currently, XXXX still shows the collection account, which continues to unfairly affect my credit, as there was NO delinquency, and a collection referral was not justified. 

Attempts at Resolution ( Unsuccessful ) Called both XXXX XXXX XXXX  and Rent Recovery Solutions multiple times. 
Rent Recovery Solutions insists they can not remove the negative report even though they admit it should not have been sent to collections. 
XXXX  states that they have already sent all the evidence and can not intervene further. 
XXXX has an open dispute, but no longer allows me to add more information or documentation. 

Damage Suffered This negative report is lowering my credit score, affecting my ability to obtain financing and rent an apartment. 
I am experiencing significant stress, loss of time, and emotional distress trying to correct an error for which I am not responsible.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I disputed the Ability Recovery Services account with XXXX. After that, I sent Ability Recovery a written verification request and a written debt validation request. Ability Recovery has not provided any documentation to verify or validate this debt. They did not provide a contract, itemized statement, dates of service, or proof they have the legal right to collect. 

The only thing they sent me was a generic balance letter demanding payment, which is not validation under federal law. Despite having no proof, they continued reporting the account and XXXX marked it as verified without providing the method of verification. 

Because neither company has been able to verify or validate this account, the information being reported is unverified, inaccurate, and must be deleted.

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 2025-12-02 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby submit a formal dispute for the listed accounts, which I did not authorize and have no affiliation with. Please review and delete them promptly. Supporting evidence is included.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing four fraudulent transactions on my BJs One Mastercard with Capital One ( ending in XXXX ). The charges were used to open and pay for a storage unit that I did not authorize, did not open, and did not use. The fraudulent transactions are : XX/XX/year> {$220.00} XX/XX/year> {$190.00} XX/XX/year> {$190.00} XX/XX/year> {$190.00} I reported the fraud as soon as I became aware of it. Capital One initially issued temporary credits for all XXXX charges. However, Capital One later reversed the temporary credits for the first three transactions ( {$220.00}, {$190.00} on XX/XX/XXXX, and {$190.00} on XX/XX/XXXX ). They left only the XX/XX/XXXX {$190.00} credit in place. 

Capital One has stated that I had XXXX  days to report the fraud. This rule does not exist in the Fair Credit Billing Act ( FCBA ), which governs credit card disputes. Under the FCBA, unauthorized charges are billing errors, consumers have XXXX days from the date the statement containing the error was delivered to dispute it, and recurring unauthorized charges are treated as a continuous billing error. Each unauthorized transaction is independently disputable. 

I did not authorize these transactions. I never signed a contract, rented a storage unit, or received any service from the merchant. The merchant would have required identification and contractual information, none of which is mine. Capital One has not provided any documentation showing I authorized these charges. 

Despite multiple phone calls, I have been given inconsistent and contradictory explanations by Capital One, none of which reference any actual FCBA requirement. Capital One is incorrectly applying internal policy as if it were federal law, and is refusing to permanently credit three clear cases of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX I shopped for a vacuum on XXXX. ( I have a Capital One CC, so I have the Capital one savings extension enabled on my computer ) I went to check out at XXXX and my CAPITAL ONE shopping extension popped up stating that the price would be better at XXXX  as there was a Capital one 25 % reward if I bought it there instead. So I did. I bought the XXXX item with the extension enabled for the 25 % reward. However when I checked the Capital one record of my transactions on my account transaction history? The reward is showing at {$2.00} instead of the {$37.00} due. I have contacted Capital ones customer service. I provided screenshots of my receipt, the pop up offer of 25 %, and the sites dashboard showing the XXXX for my transaction. They said I would have to wait until the transaction got registered? It has ... at XXXX. I asked them to fix it. They did not. I have been a victim of " Bait and switch ''. they PULLED me from XXXX via a click link to XXXX and then did not give the reward they advertised. I do not have any other shopper saving extensions? I have screenshots of all of the steps of this transaction. They need to make good on their advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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