vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I told Transunion to reinvestigate these accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX USC XXXXi ( 5 ), they are supposed to modify accounts that aren't reporting correctly. XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2025-05-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-05 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. Someone used my information to open fraudulent accounts. I XXXX XXXX am Filing this CFPB complaint request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian, TransUnion and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts consist of, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express cancelled my XXXX XXXX account without warning and refused to provide any clear reason. 

They cited vague indicia of misuse, but would not disclose any specific details or evidence when I called. Every representative simply repeated the same script and transferred me around without taking accountability or explaining what I allegedly did wrong. 

As a result of this unexplained closure, Amex : Kept the full annual fee I paid ; Seized all my Membership Rewards points, with no option to redeem ; Refused to provide documentation or even escalate the case properly. 

I believe this practice is deceptive and possibly violates consumer protection laws. There was no due process or transparency. I am requesting the CFPB investigate Amexs practice of abruptly closing accounts without justification and confiscating customer-earned benefits without proper disclosure. 

I would like a resolution in the form of : A full explanation of the alleged misuse ; A refund of my prorated annual fee ; Either restoration or compensation for my forfeited points. 

Im a long-standing customer, and I feel Amex has abused its position by acting without accountability or transparency.

Attached please find the latest two months on charges on my credit cards showing only normal usage for grocery, phone bill, travel etc. There is no misuse at all. Also, for the travel purchase i made for XX/XX/year>, now I don't have the travel insurance protection came with the card benefit due to this cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate.

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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate.

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requesting investigation and correction of the following closed accounts appearing on my credit report : - XXXX XXXX XXXX XXXX accounts ) Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681i ( a ), I request that the Consumer Financial Protection Bureau ensure these accounts are investigated for accuracy, completeness, and proper status reporting. If any information is found to be inaccurate or unverifiable, I request that it be corrected or deleted in compliance with 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ).

Please confirm the outcome of your investigation and any actions taken to correct or update my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I am submitting this complaint regarding a lease agreement I had through VW Credit on a vehicle that was totaled. My monthly lease payment for the original vehicle was under {$700.00}. After the accident, the vehicle was deemed a total loss and VW Credit was paid out in full by the insurance company for the value of the vehicle. At that time, the lease had not yet expired. 

VW Credit informed us that we had two options : either complete a vehicle swap to continue the lease or be reimbursed for the months we would be without a vehicle and start a new lease. We opted to pursue the vehicle swap first. However, this process was disorganized, frustrating, and ultimately unsuccessful. The vehicle swap process depended on dealership cooperation, but the dealerships involved had no incentive or clear guidance, and communication between VW Credit and the dealerships was severely lacking. Despite repeated efforts over the course of several weeks ( spanning beginning of XX/XX/XXXX through earlyXX/XX/XXXX ), the swap never materialized due to these systemic issues. 

In exasperation, we decided to pursue a new lease instead. The terms of the new lease were essentially identical to our prior lease. While our credit remains pooras it was with the original leaseit has not significantly changed. We consistently made on-time payments during our previous lease term. Despite this, the monthly payment on the new lease is now {$780.00}, a noticeable increase from our prior amount. This feels unjustified, especially considering our demonstrated payment history and that VW Credit had already been fully compensated for the totaled vehicle. 

During this entire periodspanning monthswe were without a vehicle, yet VW Credit had already been paid. The time, effort, and stress we experienced due to the ineffective customer service, broken processes, and lack of transparency are unacceptable. All we have ever wanted is to continue with the terms we originally had. 

We are requesting that VW Credit review this case and consider an adjustment to reflect the original lease terms or reimburse us for the increased financial burden and loss of use we experienced as a result of their ineffective process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The Capital one bank sent me an invitation to get zero percent APR for 12 months on their XXXX XXXX credit card with an invitation code. I applied for it and was denied. My XXXX XXXX was in the range of XXXX. So, I was wondering why they denied. I guess I already had a XXXX XXXX  card which I didn't remember and applied on new application received in mail. This lead to a hard inquiry on my credit report. This is a careless marketing from Capital One and the hard inquiry should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
The account was charged off on the following date XX/XX/XXXX. Since then the account has been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.

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 2025-05-03 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: PR

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-05-03 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: WA

Complaint narrative:
CFPB Complaint XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX In XXXX, I submitted a formal dispute and settlement offer to XXXX XXXX XXXX  XXXX regarding a charged-off credit card account ending in XXXX, which continues to be reported negatively on my credit reports. The account was opened and became delinquent during a time when I was XXXX XXXX as a member of the XXXX XXXX XXXX. 

Under the Servicemembers Civil Relief Act ( SCRA ), I am entitled to certain legal protections, including the ability to seek relief for financial obligations impacted by military service. Despite this, XXXX XXXX XXXX  XXXX failed to engage in good faith or offer any reasonable accommodation or resolution. 

On XX/XX/year>, I sent a written offer to settle the account in full ( {$1100.00} ) with the understanding that all negative credit reporting ( including charge-off status and late payment remarks ) would be removed. This offer was ignored not denied but completely disregarded. Additionally, my previous CFPB complaint regarding this matter was also ignored by the company, a clear violation of their obligation to respond under 12 CFR 1024.35 ( e ) ( Regulation X ) and Fair Credit Reporting Act ( FCRA ) 611 ( a ). 

As of today, the account remains on all three credit reports ( XXXX, Experian, XXXX  ), harming my financial standing despite a documented history of military service and a legitimate effort to resolve the issue. 

I am requesting immediate action requiring XXXX XXXX Bank XXXX to : Cease all negative credit reporting tied to this account, Delete all derogatory tradelines from XXXX, Experian, and XXXX, Provide a written response to this complaint, as required by law. 

Their repeated failure to respond, cooperate, or comply with consumer protection laws is unacceptable and should trigger regulatory scrutiny. I am documenting this not only for resolution, but also to signal a pattern of neglect by this institution toward military consumers.

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 2025-05-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
CFPB Complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a formal dispute and settlement offer to XXXX XXXX XXXX  XXXX regarding a charged-off credit card account ending in XXXX, which continues to be reported negatively on my credit reports. The account was opened and became delinquent during a time when I was XXXX XXXXXXXX as a member of the XXXX XXXX XXXX. 

Under the Servicemembers Civil Relief Act ( SCRA ), I am entitled to certain legal protections, including the ability to seek relief for financial obligations impacted by military service. Despite this, XXXX XXXX XXXX  XXXX failed to engage in good faith or offer any reasonable accommodation or resolution. 

On XX/XX/year>, I sent a written offer to settle the account in full ( {$1100.00} ) with the understanding that all negative credit reporting ( including charge-off status and late payment remarks ) would be removed. This offer was ignored not denied but completely disregarded. Additionally, my previous CFPB complaint regarding this matter was also ignored by the company, a clear violation of their obligation to respond under 12 CFR 1024.35 ( e ) ( Regulation X ) and Fair Credit Reporting Act ( FCRA ) 611 ( a ). 

As of today, the account remains on all three credit reports ( Equifax, XXXX, XXXX  ), harming my financial standing despite a documented history of military service and a legitimate effort to resolve the issue. 

I am requesting immediate action requiring XXXX XXXX XXXX  XXXX to : Cease all negative credit reporting tied to this account, Delete all derogatory tradelines from Equifax, XXXX, and XXXX, Provide a written response to this complaint, as required by law. 

Their repeated failure to respond, cooperate, or comply with consumer protection laws is unacceptable and should trigger regulatory scrutiny. I am documenting this not only for resolution, but also to signal a pattern of neglect by this institution toward military consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of stude enrolled in the federal student aid program. My information was among that dataset that had been compromised.

Company response to consumer: Closed with explanation