vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. LOANCARE 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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Summary of Events : On XX/XX/year>, I deposited seven business checks into my Bank of America business account totaling {$19000.00}. The individual checks were for the following amounts : 1. {$1400.00} 2. {$1400.00} 3. {$1200.00} 4. {$1400.00} 5. {$1400.00} 6. {$2100.00} 7. {$10000.00} After the deposit, the bank placed a hold on the entire amount. My hold notice listed Hold Codes A and D.

Code A refers to a generic protection from losses reason but does not include any specific explanation as required by 12 CFR 229.13 ( g ).

Code D refers to a large deposit hold, but that rule ( under 229.13 ( b ) ) applies only to the portion of a single check exceeding {$6700.00} not the entire deposit.

In my case, only one check was for {$10000.00}, meaning the first {$6700.00} should have been made available within two business days, and only the remaining {$3500.00} could legally have been delayed for verification. However, Bank of America withheld all {$19000.00}, including the smaller checks, without specific justification.

Attempts to Resolve : After the hold was placed, a teller at the branch referred me to a local business specialist, who advised that the hold could be reviewed for early release after 24 hours.

I also called Bank of America customer support that same day ( XX/XX/year> ) and was told the same thing that I could request early release after 24 hours.

On XX/XX/year>, I called the customer support number again to request early release. At that point, I was informed by multiple representatives that an early release was no longer possible, and no one could tell me why the hold had been placed. Instead, I was referred to the banks website for generic information about deposit holds, without a specific explanation or documentation.

This refusal to provide an explanation violates 12 CFR 229.13 ( g ), which requires banks to provide a written notice describing the reason for any extended hold.

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 2025-10-19 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON MY CREDIT REPORT I SEE FRAUDULENT INQUIRES WHICH DOESNT BELONG TO 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 explanation
Consumer complaint received 2025-10-20 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable.

Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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
Consumer complaint received 2025-10-20 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: MA

Complaint narrative:
I applied for the capital one spark cash for business credit card on XX/XX/year>. annual fee is {$95.00} and with minimum spending of {$15000.00}, the cash rewards are {$1500.00}. I spent the minimum amount within the first 3 months and earned over {$1800.00} in cash rewards. I mailed my business registration documents to capital one as required within the timeline given. but on XX/XX/year>, capital one closed my spark cash business credit card without notification and Closed Out the total Rewards Balance of {$1800.00} Rewards Cash without notice. I provided the required documents for my business and capital one should not have my business card closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Remove bankruptcies that are less than XXXX XXXX XXXX. The credit reporting agencies stated that the bankruptcies were verified, but no one sent me verification that they were validated

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Remove bankruptcies that are less than XXXX XXXX XXXX. The credit reporting agencies stated that the bankruptcies were verified, but no one sent me verification that they were validated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a written request toXX/XX/XXXXat XXXXXX/XX/XXXXXXXX, XXXX XXXXXX/XX/XXXXXXXX, concerning an overcharge on my vehicle lease account related to taxes assessed by the XXXX of XXXXXX/XX/XXXX. The City refunded {$1600.00} on XX/XX/XXXX, for the XXXX tax year and {$1900.00} on the same date for the XXXX tax year, totaling {$3500.00}, as evidenced by payment distribution records provided with my request. I asked XX/XX/XXXX to update their records and issue a new statement reflecting the corrected, lower amount owed. No response or action was received. 

As of XXXXXX/XX/XXXX CDT on XX/XX/XXXX, XX/XX/XXXX has not issued a corrected statement. The overcharge of {$3500.00} remains unresolved, impacting the accuracy of my lease balance. 

I seek assistance to ensureXX/XX/XXXX updates my account to reflect the refunded tax amount of {$3500.00} and provides a corrected statement promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate information that has not been corrected despite multiple disputes and attempts to resolve the issue directly with the credit bureaus. I have followed all proper procedures under the Fair Credit Reporting Act ( FCRA ), yet the inaccurate items remain on my report. 
These errors continue to negatively impact my creditworthiness and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the credit reporting agencies and the furnishers of this data to ensure compliance with the FCRA. 
I am demanding the permanent deletion of all inaccurate, unverifiable, and outdated accounts or information from my credit file. The ongoing presence of these errors, even after several disputes, demonstrates negligence and noncompliance by the credit bureaus and/or data furnishers. 
I have documented my previous dispute attempts and communications, and I am asking for immediate action to have these items removed from all three credit bureaus Experian, TransUnion, and Equifax.

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 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
CareCredit by Synchrony Bank lowered my credit limit by 25 % of maximum. However, all payments were made on time and according to terms of service with the card. The card was never Over-Limit. No Payments were missed. The card was never declined by attempting a payment that could not be made. The card is not a new account and subject to a promotional period. Additionally : The credit score cited during a phone call with the card
provider as their justification ( XXXX ) was an incorrect credit score.

Additionally : No negative remarks on other card-holder accounts. No missed payments on any financial account of any kind.

Additionally : Statements claiming a reduction in credit score are falsified. The current credit score has improved over the past three months, and any reduction to credit score has been solely caused by exactly this behavior - Lowering of credit limit while following card terms and payment requirements. It is not reasonable to punish a customer for NOT VIOLATING any terms or payment requirements across ALL ACCOUNTS being reported to credit score.

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 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: NY

Complaint narrative:
Since XXXX XXXX XXXX XXXX XXXX i sent money internationally with the company XXXX XXXX they put my transfer on hold and even after contacting them several times they keep saying the money is available when is not after talking to XXXX different agents they all said they need additional information from me and even though i was very cooperative to give them the information they need they never told me what was the information. After 3 days they still haven't solved the issue. They have very bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MA

Complaint narrative:
XXXX, XXXX TO THE : Consumer Financial Protection Bureau I am writing to dispute my credit report of in-accurate information. Below please find the discrepancies. I am requesting for the documented items to be removed from all 3 credit reports. 
Equifax : XXXX XXXX Old Account Balance : XX/XX/XXXX XXXX XXXX Old Account Balance : XX/XX/XXXX XXXX XXXX XXXX : Closed Account XXXX Balance : Sold to new lender. Closed XXXX XXXX XXXX XXXX : Closed {$7500.00} Closed -XXXX- -XXXX XXXX XXXX : Who is a 3rd party who by law should not have had my information. 
-XXXX XXXX XXXX Who is a 3rd party who by law should not have had my information. 
XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX was supposed to be removed XX/XX/XXXX stills remains on my report. 
Experian : XXXX XXXX XXXX XXXX : Closed Government Employees In {$350.00} XXXX XXXX XXXX {$480.00} Transunion : XXXX XXXX Old Acct and balances : XX/XX/XXXX : {$180.00} XXXX XXXXXXXX Old Acct and balances : XX/XX/XXXX : {$0.00} XXXX Collections Name : XXXX : {$4800.00} / 3rd party should not have my information. 
Name : XXXX : {$480.00} / 3rd party should not have my information. 
XXXX Inquiries XXXX - XX/XX/XXXX to be removed XX/XX/XXXX XXXX XX/XX/XXXX to be removed XX/XX/XXXX still on report XXXX XXXXXXXX XXXX to be removed XX/XX/XXXX still on report XXXX XXXX XXXX- XX/XX/XXXX to be removed XX/XX/XXXX Closed Accts : XXXX XXXX {$0.00} ( sold to new lender ) /XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MA

Complaint narrative:
XXXX, XXXX TO THE : Consumer Financial Protection Bureau I am writing to dispute my credit report of in-accurate information. Below please find the discrepancies. I am requesting for the documented items to be removed from all 3 credit reports. 
Equifax : XXXX XXXX Old Account Balance : XX/XX/XXXX XXXX XXXX Old Account Balance : XX/XX/XXXX XXXX XXXX XXXX : Closed Account XXXX Balance : Sold to new lender. Closed XXXX XXXX XXXX XXXX : Closed {$7500.00} Closed -XXXX- -XXXX XXXX XXXX : Who is a 3rd party who by law should not have had my information. 
-XXXX XXXX XXXX Who is a 3rd party who by law should not have had my information. 
XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX was supposed to be removed XX/XX/XXXX stills remains on my report. 
Experian : XXXX XXXX XXXX XXXX : Closed Government Employees In {$350.00} XXXX XXXX XXXX {$480.00} Transunion : XXXX XXXX Old Acct and balances : XX/XX/XXXX : {$180.00} XXXX XXXXXXXX Old Acct and balances : XX/XX/XXXX : {$0.00} XXXX Collections Name : XXXX : {$4800.00} / 3rd party should not have my information. 
Name : XXXX : {$480.00} / 3rd party should not have my information. 
XXXX Inquiries XXXX - XX/XX/XXXX to be removed XX/XX/XXXX XXXX XX/XX/XXXX to be removed XX/XX/XXXX still on report XXXX XXXXXXXX XXXX to be removed XX/XX/XXXX still on report XXXX XXXX XXXX- XX/XX/XXXX to be removed XX/XX/XXXX Closed Accts : XXXX XXXX {$0.00} ( sold to new lender ) /XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I would like to file a formal complaint regarding Case # XXXX. 

-On XX/XX/year> case # XXXX was opened. 

-On XX/XX/year> an email acknowledgement of case was received with a memo that MOHELA will " respond and acknowledge feedback within the next XXXX days. '' XXXX ( XXXX days later ) email notification notified me that MOHELA would need XXXX business days to review the case further. 

XXXX ( XXXX business days later ) I noticed the official case had been marked as closed with no further information provided. No email, written or phone updates or communications occurred yet. I called the Department of Education as well as MOHELA that date. Neither had any updates in my case. A message was sent on the Dept of Education page inquiring about the changes. 

XXXX Called MOHELA again, no documentation provided. 

XXXX Called MOHELA again, case was progressed to management and then to specialists. Advised to wait XXXX  days until any changes in my account would be seen. No documentation was provided via mail or email regarding exchange. 

XXXX ( XXXX days later, XXXX business days later ), no communication or documentation has been received either via mail, email or phone. Case is still marked as closed with no response to inquiry sent on XX/XX/year>. 

I will file a separate complaint to re-submit my inquiry on incorrect interest accrual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Can they provide all minimum paymens paid. And all debt paid with all total payments?

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 2025-10-19 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: GA

Complaint narrative:
I have filed multiple dispute letters and have been told by the credit bureau that tell feel my disputes were not done by me and have refused to complete my disputes

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 2025-10-19 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: GA

Complaint narrative:
I have filed multiple dispute letters and have been told by the credit bureau that tell feel my disputes were not done by me and have refused to complete my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
ON MY CREDIT REPORT I SEE FRAUDULENT INQUIRES WHICH DOESNT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: GA

Complaint narrative:
XXXX has engaged in multiple violations of federal debt collection and servicing laws regarding my student loan account. 
Failure to Validate Debt Upon Request : I submitted formal written requests to XXXX asking for validation of my debt, including the original promissory note, complete payment history, and transfer or ownership records. They failed to provide any of these documents, only sending generic account summaries without evidence of legal ownership or original contracts. 
Improper Communication : XXXX continued to contact me after I requested in writing that all communications stop and that they respond only in writing. In addition, they shared information about my loan with third parties without my consent, violating my privacy rights. 
Failure to Apply Payments Correctly : Payments I made were misapplied between principal and interest, inflating my outstanding balance. I requested a payment history breakdown multiple times, but they have not provided accurate accounting. 
Failure to Inform About Relief Options : At no point did XXXX properly inform me of available relief programs, including income-driven repayment plans, deferment, forbearance, or loan discharge options. This has caused unnecessary financial hardship and emotional distress. 
These issues have been ongoing since approximately [ insert month/year, e.g., XX/XX/year> ]. Despite multiple written requests for correction and compliance, XXXX continues to report inaccurate information to the credit bureaus ( Equifax, Experian, and TransUnion ) and has failed to validate the debt in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, 1681s-2 ). 
I am requesting that the CFPB investigate XXXX for these violations, ensure correction of my account, and enforce appropriate fines or penalties for their noncompliance.

Company response to consumer: Untimely response