vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I purchased XXXX regional services for leads from XXXX on XX/XX/year>. By XX/XX/year>, I received less than XXXX leads, of which each included a contact name, number, email and a brief message. Of the XXXX, only XXXX answered the phone, but these XXXX were not interested in purchasing a property, and instead these XXXX just wanted an in-person tour of a property. The remaining either didn't answer the phone, didn't respond to voice messages, emails, or text messages, or replied with a message stating the individual was never interested in purchasing a property in the regional areas that the service was for. On XX/XX/year>, I sent XXXX a notice to cancel and a request for refund for the paid services. After a week of daily follow-ups, a customer servicer responded and pushed back on the notice and request. As of today, the services have not been canceled nor refunded, and there have been near daily attempts of an unauthorized charge. Last year, the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were the targets of a class action complaint, in which the plaintiffs claim fraudulent, deceptive and unlawful business operations in generating real estate leads, ( https : XXXX ). The matter appears to have reached a federal district court. 

Total non refunded amount is approximately {$370.00}, and total unauthorized charge is approximately {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-12 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: AZ

Complaint narrative:
This is now my third attempt to get this situation fixed, and Im not going to sit back while damaging, unverifiable information continues to be reported on my credit profile. XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX {$480.00}

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 2025-11-12 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: MS

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank XXXX XXXX  account online using promo code XXXX, which required completing five qualifying transactions. I completea three XXXX transactio

ns, one externa ACH transfer. and my initial ACH funding deposit. U.S. Bank denied the bonus, claiming only had four qualifying transactions and that the initial funding deposit does not count. The promotional terms did not clearly state that the initial ACH funding deposit would be excluded. The transaction appears as an ACH debit on my chase external bank stetement, The promotional term not clearly state that the initial ACH funding deposit would be excluded. so I
reasonably believed it met the requirement. 
I spoke with multiple representatives and two supervisor, one trying to push through, last one confirmed that the decision could not be escalated any more in us bank. My local branch manager also trying to request for me, falt and said they could not assist further

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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVG Financial Services, Inc
State: CA

Complaint narrative:
It appears I owe a loan with Cash N More address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ca XXXX and they showed up at my house to drop off a letter a final demand for payment but they gave the letter to an unauthorized person a minor at that she is XXXX XXXX XXXX and disclosed with her that they were from a loan company, the ladies name that came to drop off the letter and disclosed my personal information is XXXX XXXX. She violated my rights under the FCDPA.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX a Warranty Service Contract through XXXX was signed. 
The XXXX XXXX never " processed '' the Service Contract, at the time of the sale nor any time in XXXX  or XXXX. 
The vehicle Warranty contract services were not provided. 
The Auto Loan was paid in Full on XX/XX/XXXXXXXX  I sent a written letter to XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  ) no response. 
I sent a written letter to Capital One Auto Finance ( XX/XX/XXXXXXXX  ) no response. 
I requested a full refund as stated in Terms and Conditions. 
You can not keep customers money when good and services where not provided when your notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am submitting this follow-up regarding my prior request for a copy of my consumer credit report maintained by Equifax. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am entitled to obtain a complete disclosure of all information contained in my Equifax credit file upon request. 

As of today, I have not received a response or confirmation regarding my initial request. This letter constitutes my second formal attempt to obtain my full consumer credit report. Enclosed, please find copies of my government-issued identification and proof of current address to assist with identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I am, XXXX XXXX XXXX, sent {$200.00} from USA to XXXX on XXXX, 2025. The tracking number ( MTCN ) is XXXX and my receiver is XXXX XXXX. You said the money will be received by the receiver on XXXX. So she called the western union bank near her so many times. But she didnt get it yet. Can you please make sure she get the money correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
This is my second formal request regarding inaccurate and damaging late payment reports associated with the above XXXX accounts and I hope that you would reconsider. XXXX XXXX {$3700.00} XXXX XXXX {$2000.00} XXXX XXXX {$3700.00} XXXX XXXX {$2000.00} XXXX XXXX {$3700.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} Inquiries Included in Dispute : XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-11-12 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: NJ

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-12 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to MERCEDES-BENZ FINANCIAL SERVICES dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MERCEDES-BENZ FINANCIAL SERVICES has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since MERCEDES-BENZ FINANCIAL SERVICES did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure MERCEDES-BENZ FINANCIAL SERVICES s immediate compliance with FCRA requirements. 

MERCEDES-BENZ FINANCIAL XXXX, MERCEDES BENZ FINANCIA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I am filing this complaint to dispute inaccurate and damaging late payment information reported by PennyMac Loan Services to XXXX. 

My XXXX  credit report reflects late payments beginning in XX/XX/XXXX and continuing through XX/XX/XXXX. This reporting is factually incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I made all required mortgage payments on time during this period, as evidenced by my bank statements, payment confirmations, and PennyMac account records. 

Despite submitting a formal dispute to XXXX  and providing clear proof of timely payments, the inaccurate late payment entries remain on my credit file. PennyMac has failed to properly verify the accuracy of the information it furnished, and XXXX  has failed to conduct a reasonable reinvestigation as required under XXXX U.S.C. XXXX. 

These continued inaccuracies are materially harming my creditworthiness and financial reputation. I am requesting immediate intervention by the Consumer Financial Protection Bureau to ensure that both PennyMac and XXXX  comply with their legal obligations under the FCRA by conducting a full reinvestigation and removing all unverified or inaccurate late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX amount is {$18000.00} I requested debt validation. chain of assignment contract & .ownership Aidvantage XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2025, I was approved for the Citi XXXX XXXX credit card. However, before I even received my physical card, Citi blocked my account and requested that I submit a 4506-C form ( IRS income verification ). I provided the requested form promptly and in full, but despite my compliance, I later discovered that my account had been closed without any explanation. 
I contacted Citi multiple times to understand the reason for the closure, but no clear reason was provided. This situation seems to be affecting other customers as well, as many people report having their Citi credit card accounts closed after submitting the same 4506-C form, without any detailed explanation or transparency.

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 2025-11-12 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-12 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: WA

Complaint narrative:
I am submitting this complaint against the credit reporting agencies and furnishers who have failed to comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. My credit report contains false and damaging information that violates my rights as a consumer under federal law. I have attempted to resolve these issues through direct dispute, yet they persist. I am requesting the CFPBs immediate investigation and enforcement action to ensure my credit report accurately reflects truthful, verifiable, and lawful data. 

XXXX XXXX XXXX XXXX XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Credit : {$20000.00} Late payments reported during deferment period ; unverifiable with servicer. Violates 1681i ( a ) and 1681s-2 ( b ). Delete immediately. 

XXXX XXXX XXXX XXXX XXXX Late Payments * * Date Opened : XX/XX/XXXX | Balance : {$25000.00} Account in forbearance during reported delinquency. No valid proof. Violates 1681e ( b ). Delete. 

XXXX XXXX XXXX XXXX XXXX  Late Payments * * Date Opened : XX/XX/XXXX | Balance : {$64000.00} Inaccurate late reporting during deferment and transition. Violates 1681s-2 ( a ). Must be removed. 

XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance : {$2300.00} Unverified charge-off, no original contract or authorization. Violates 1681b ( a ) ( 2 ) and FDCPA 807 ( 8 ). Delete. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection * * Date Opened : XX/XX/XXXX | Balance : {$2800.00} Unverified, invalid, and not supported by original creditor documentation. Violates 1681s-2 ( b ) ( 1 ) ( E ). Remove. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry without permissible purpose. Violates 1681b ( c ) and 604 ( a ) ( 3 ). Delete.

In conclusion, these violations demonstrate ongoing negligence and disregard for my consumer rights. I request the CFPB to investigate these issues, demand immediate deletion of the false address, unauthorized inquiry, and unverifiable account, and ensure strict compliance with all provisions of the FCRA and FDCPA. The harm caused by these errors is significant and continues to affect my creditworthiness. I am exercising my right to a fair and accurate credit report as guaranteed by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section 605B ( U.S.C 1681c-2 ). As someone who has been affected by identity theft and XXXX  data breach. I have the right to request that any fraudulent information be removed from my credit report. The fraudulent accounts

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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Per the instructions of " SOFI LENDING CORPORATION. '' I submitted a written rejection of their arbitration clauses dated XX/XX/year>. The written request was mailed via certified mail with return receipt under USPS Tracking # : XXXX. Per the USPS tracking services. SoFi Lending Corp has thus far refused to sign for receipt of the written request. To date delivery of the written arbitration rejection request is still pending. I have attached a copy of the arbitration rejection for review.

Company response to consumer: Closed with explanation