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: 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: PA

Complaint narrative:
I reported that my identity was stolen and that there were items in collections report I was unaware of and didn't authorize. TransUnion stated they contacted the individuals I reported on my complaint and that the company provided them with true and accurate statements. I included my identity theft report and explained that someone was using my social security number, date of birth, and address to open these accounts but they were all opened after my identity was stolen and I submitted my report, however they chose to reject my claim stating that these companies had accurate information. 
Of course they would because my social security number was stolen. 
I am attempting to get a mortgage but with these items still on my credit report I keep getting rejected. 
I want my life back and I want to move on with my life and be able to get my own home but I can't as long as these things are on my credit report. 
TransUnion refuses to look into it further or even acknowledge that my identity was stolen

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not recall or acknowledge this debt being mine at all. 

And Ive contacted the company multiple times in regards to this matter they have Not provided me proof of anything or any contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CNG FINANCIAL CORPORATION
State: MN

Complaint narrative:
I sent a letter on XX/XX/year>, to the creditor asking for them to reconsider their decision of a credit denial to me. Based on CFR 1002, 15 USC 1691, 15 USC 1681, 15 USC 1692 I am owned the sum of {$1000.00} payable by check to me within 30 days if there is reconsideration of credit extension to me and/or further information that I needed to provide. I provided my home and email address and phone number and did not receive a response. I have attached the letter as well as the green signature and certified mail receipts as proof that the letter did make it to XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: FL

Complaint narrative:
Complaint Regarding Abusive Personal Loan Interest Rates I wish to formally report the practice of a personal loan with abusive interest rates conducted by Quick Credit - XXXX Connect. 

Details of the loan : - Loan amount : {$2200.00} - Date of agreement : XX/XX/year> - Interest rate applied : 214.40 % - Method of collection : e-checks The interest rate charged exceeds the limits permitted under Florida Usury Law ( Chapter 687, Florida Statutes ), which establishes that interest above 18 % annually in civil loans or above 25 % annually in commercial loans may be considered usurious and therefore illegal.

I respectfully request investigation and appropriate action regarding this matter.

In one year I already paid the double of the original amount. They received 11 monthly payments, total {$4400.00}, in which {$4300.00} was applied to interest and only {$97.00} to the principal balance. 
This is absurd inhumane and cruel. It's impossible to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To whole this my concern. When applying for credit cards and bank accounts I am constantly getting denied. I am a victim of trafficking and this may be the reason for the denial. Ive applied at Bank of America, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many more. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
The Deceptive Payment Cycle The " extended pending status '' and eventual reversal is related to the way Automated Clearing House ( ACH ) transfers work between banks.Initial Debit ( False Clearance ) : When I make the payment, Pioneer initiates an ACH debit ( or " draft '' ). My bank immediately lowers my available balance, making it look like the payment cleared.The 9-Day Delay : The money is in limbo, stuck in an extended pending status. While my bank holds the funds, Pioneer 's internal system may be mismanaging the clearing process, or they may be intentionally violating the processing time.The Reversal ( The Pretext ) : After this delay, the payment is suddenly returned ( an " ACH Return '' ) to my account, sometimes because the original debit was initiated on an unauthorized or incorrect date, which violates the contract terms.I am making my payments on time, but because of Pioneer 's inconsistent processingwhich takes the money on unpromised dates and timesthe ACH fails. This failure, whether intentional or due to gross incompetence, gives them a pretext to initiate collections.2. Illegal Harassment and Employer Contact Immediately following a payment reversal, Pioneer has been engaging in activities that clearly violate the Fair Debt Collection Practices Act ( FDCPA ) .My ExperienceFDCPA ViolationThe ResultExcessive Calling ( 6+ times a day ) The FDCPA prohibits harassment and repeated calls intended to annoy or abuse me. Calling me 6 times a day for the last 19 days is clear evidence of harassment.I have to keep a detailed log of the dates, times, and phone numbers of every single call.Calling My Office The FDCPA prohibits collectors from contacting me at work if they know my employer prohibits those calls. They are embarrassing me by calling my office and discussing my debt with others, which is severely restricted under the FDCPA.I need to document who they spoke to and what they said, as this is a major legal violation.The extended pending status combined with the reversal appears to be a pattern that triggers these illegal collection calls, even though I have always fulfilled my obligation to pay.3. My Next Steps I need to proceed immediately with both legal enforcement and the credit dispute : Legal Enforcement ( CFPB ) : I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), citing the FDCPA violations ( harassment, employer contact ) and the contract breach ( unauthorized debit ) to force an immediate stop to the calls and a refund.Credit Dispute : I will continue my dispute to the credit bureaus, emphasizing that the payment failure was due to the servicer 's repeated breach of the agreed-upon date and time, making their subsequent reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
When I opened this card, it was advertised as no foreign transaction fee card. Now they charge foreign transaction fee. I wasn't aware of the change and used it on my recent trip overseas and I was charged a lot of fees. I didn't receive the letter of the policy change

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
XX/XX/year> applied for the new XXXX Credit card with Bank of America, I was denied even I have an outstanding account ( no late payments or high balances ) with another account with Bank of America. wondering what happened.....

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have repeatedly disputed a XXXXXXXX XXXX account on my Experian credit report that is reporting incomplete and inaccurate information. The account shows no payment history, no balance updates, and missing data fields. This creates a misleading negative impact on my score. I opened and closed the account early, but XXXXXXXX XXXX has not provided full, accurate, or verifiable records. Experian continues to verify the account without providing documentation. I am requesting the CFPB to require Experian and XXXXXXXX XXXX to provide full documentation and reporting compliance or remove the account entirely for failure to report complete and accurate information under FCRA 1681e ( b )

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 — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I called the bank to see my balance and I was been asked to manny questions I answer but the worker seem mad at me after requesting my balance I went to take money out and the worker had blocked my account and I called been 5 days and I only get hang up and I only want to get money out to eat something

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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This account originated in XXXX, I have disputed it and this debt collection company has not sent me documents that I have requested the debt is XXXX XXXX XXXX and the company changes the date assigned every other month to appear as a fresh account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
GM Financial is knowingly reporting false and misleading information on my credit reports regarding a repossessed account. Although the vehicle was repossessed and the account was closed, GM Financial continues to report late payments, charge-off activity, and delinquency dates that supposedly occurred after they took the vehicleinformation that is factually impossible and a direct violation of FCRA 1681s-2 ( a ) and 1681s-2 ( b ). After I formally disputed the accuracy of this reporting, GM Financial failed to provide any documentation, payment records, repossession dates, or verifiable proof to justify the negative data they continue to furnish. Their refusal to investigate properly or correct inaccurate information constitutes willful and negligent noncompliance with federal law. This inaccurate reporting is damaging my creditworthiness and causing financial harm. I am requesting that the CFPB compel GM Financial to immediately delete all inaccurate information, provide a full accounting of the account up to the repossession date, and issue written confirmation of the corrections, along with any additional action the Bureau finds appropriate. GM FINANCIAL XXXX.

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: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$170.00}

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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
" Wells Fargo closed my account after I deposited legitimate checks, I provided physical copies to the branch, and it has been over 30 days with no refund or explanation. ''

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXX  EXPERIAN XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Company sent a letter requesting unreasonable demands. Stating if my debt wasnt paid by said date theyd file legal charges. The amount doesnt match the creditor allowance. They have not sent any documents clarifying their claims to the fees requested.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a complaint regarding inaccuracies and inconsistent reporting across Experian, Equifax, and TransUnion involving multiple accounts that have all been corrected and brought back into good standing but continue to display late-payment notations that do not accurately reflect their final status. For Experian, the XXXX XXXX Bank XXXX account XXXX XXXX ) is showing a XXXX late for XX/XX/XXXX with a {$920.00} balance ; XXXX Auto account ( XXXX ) reflects XXXX lates for XX/XX/XXXX and XX/XX/XXXX and a XXXX late for XX/XX/XXXX with a {$30000.00} balance ; another XXXX Auto account ( XXXX ) shows a XXXX late for XX/XX/XXXX with a {$59000.00} balance ; and XXXX  account XXXX shows a XXXX late for XX/XX/XXXX despite being reported differently to other bureaus. For Equifax, the XXXX XXXX Bank XXXX account XXXX XXXX ) shows a XXXX late for XX/XX/XXXX with a {$760.00} balance ; XXXX Auto account ( XXXX ) reflects the same pattern of lates as reported by Experian ; XXXX Auto account ( XXXX XXXX shows a XXXX late for XX/XX/XXXX ; and XXXX Auto account ( XXXX ) shows a {$4300.00} balance but is not listed on Experian. For TransUnion, the XXXX XXXX Bank XXXX account XXXX XXXX ) is showing a XXXX late for XX/XX/XXXX with a {$1600.00} balance ; XXXX Auto account ( XXXX ) again shows the repeated XXXX and XXXX lates listed above ; XXXX Auto account ( XXXX ) shows a XXXX XXXX for XX/XX/XXXX ; XXXX Auto account ( XXXX ) displays a {$4300.00} balance and does not match Experians reporting ; and a closed XXXX Auto account ( XXXX ) showing a {$0.00} balance reflects XXXX lates from XXXX and XX/XX/XXXX even though the account was fully resolved. These reporting inconsistencies across all three bureaus fail to reflect updated and corrected payment histories in accordance with FCRA 602, 611, 623 ( a ) ( 2 ), 623 ( b ), and the principles of proper account correction reflected in 15 U.S.C. 1666. All of these accounts were ultimately brought current and resolved, and the reporting does not reflect their paid-as-agreed final status, resulting in an inaccurate portrayal of my financial history.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The first issue I am writing to dispute is the inaccurate address listed on my Experian report and TransUnion, showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I must emphasize that I have never lived at this residence nor been associated with this location at any point. This incorrect address appeared suddenly on my file, without any prior connection, and immediately raised significant concerns for me regarding potential mixed files or unauthorized use of my personal information. When I first noticed this address, I tried to trace back any financial activity, employment, residency application, or correspondence that could explain its presence, but none exist. The appearance of this address has made it difficult for me to confirm my identity with lenders and has even caused confusion when attempting to open legitimate accounts. Under FCRA 607 ( b ), the credit bureaus must maintain accuracy and ensure my file reflects only verified and correct identifying information. Because this address does not belong to me, has never been used by me, and is unsupported by any legitimate documentation, I am requesting immediate deletion to prevent further misidentification or potential fraud risks. 
Separate from the address error, I am also disputing a hard inquiry reported in Experian from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX. I want to be very clear, this inquiry was not authorized by me, and at no point did I submit a credit application or grant permission for my credit to be accessed by XXXX XXXX or any of its affiliates. I have carefully reviewed my emails, application history, and personal financial records from that period, and there is absolutely no trace of any interaction that would justify the presence of this inquiry. In the days surrounding that date, I was dealing with an employment scheduling change and had no reason whatsoever to apply for new credit. The only credit-related activities during that time were routine account management activities with my existing institutions, none of which involved XXXX. Because I did not initiate, approve, or benefit from this inquiry, it constitutes an unauthorized pull of my consumer report. Under FCRA 604 ( a ) ( 2 ) and 604 ( f ), a creditor must have a permissible purpose to access my credit file, and when no application or expressed consent exists, the inquiry must be removed immediately. There is no lawful basis for this inquiry to remain on my report, and its presence negatively impacts my creditworthiness and has caused me unnecessary stress.

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: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I received a capital one letter in mail stating see if youre pre-approved for card offers with no credit score impact. Credit only affected if you accept the offer. I answered the questions and hit submit to see what the offer was. I never got a chance to declined, it automatically approved me for XXXX and said it will be mailed out in XXXX days. I did not accept the card, there was no option to accept or deny although the letter says there is no obligation to accept. This letter is very deceptive. It is over midnight and I am up trying to make sure my credit is okay. I also went to their sight to actually see if I could get the card I really wanted but was denied due to the first card that I never accepted or asked for.

Company response to consumer: Closed with explanation