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: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This complaint concerns a revolving Capital One/Walmart credit account opened on XX/XX/XXXX. The account is now closed, has a {$0.00} balance, shows paid or pay as agreed, and the status was last updated in XX/XX/XXXX. The credit limit was {$300.00}, and the highest balance reported was {$370.00}. Although the account is closed and fully paid, Capital One is still reporting 120+ day delinquency on the account.

I disputed this information with all three credit bureaus, but the late payment information continues to appear, even though the account shows a XXXX balance, no past due amount, and has been closed for some time. I requested verification and documentation from Capital One showing how the late payments were confirmed, but no documentation was provided.

I also contacted Capital One directly requesting a correction or goodwill adjustment because the account is paid and closed, and the delinquency is negatively affecting my credit despite being resolved. Capital One has not corrected the reporting or provided evidence that the late payment reporting is accurate or properly verified.

I am requesting that the CFPB require Capital One to perform a full reinvestigation, provide documentation to support the late payment information they are reporting, or remove the late payment history entirely if they can not verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 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: IL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Notice of Discrimination Dear Sir/Madam, I am writing to formally notify you that I believe I have been subjected to discriminatory treatment by Comenity Bank in connection with my recent application for a credit card. 

On [ XX/XX/year> ], I applied for a credit card with Comenity Bank. My application was denied, and I was not provided with the opportunity to discuss alternative options or to explain my financial situation. I believe this decision was influenced by : 1. My status as a person with a disability.

2. My general income level.

3. The fact that I receive a monthly income from the federal government ( e.g., Social Security, disability benefits, or other assistance ).

I feel that this constitutes discrimination on the basis of disability and source of income, which is prohibited under the Equal Credit Opportunity Act ( ECOA ) and other applicable federal and state laws. I respectfully request a clear explanation of the basis for the denial of my application and information regarding any alternative options available to me.

I am seeking : A written explanation of the reason ( s ) for the denial.

Assurance that Comenity Banks policies and practices comply with anti-discrimination laws.

Consideration for a fair opportunity to apply for credit based on my financial situation and creditworthiness.

Please respond to this notice within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
b'On this day, XXXX XXXX XXXX, I received a call from my mortgage provider offering to refinance my existing mortgage at a rate that was 1% less than I am paying currently with no out of pocket cost. After verifying the details ad being assured that there was truly no out of pocket cost, I agreed to proceed. After the representative ran my credit, he sent the loan documents. There was a $XXXX  fee to me appearing. I sent several emails questioning this and finally had to call to speak to the agent. I was then told that yes, I would have to pay the amount. This is dishonest and illegal to change the terms of the loan after an agreement was made. Now I have a hit to my credit score because this person lied. I contacted the company to complain, but they do not appear to care. \n\nThe representative was on a recorded line when he stated there were no charges to me. Hopefully they will provide that for an investigation into their practices.\n\nThe person I spoke with was:\n\XXXX XXXX\nLoan Originator\nFreedom Mortgage Corporation \nNMLS ID#XXXXXXXX'

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: KEYCORP
State: OH

Complaint narrative:
I am submitting this complaint regarding KeyBank because they failed to honor an agreement made with me by their own representative.

I previously had a KeyBank account that was closed. Before the closure, the account had a remaining balance. I spoke with a KeyBank representative who clearly stated that if I paid the balance in full, they would remove all late payments that were reporting on my credit report.

I agreed to this, made the payment as instructed, and the account was paid off completely. Despite fulfilling my part of the agreement, KeyBank did not remove the late payments as promised. These late payments continue to remain on my credit report and are causing me financial harm, credit score damage, and difficulty obtaining credit.

This is a misrepresentation, broken agreement, and unfair credit reporting practice, which violates the FCRA ( Fair Credit Reporting Act ).

I have documentation showing : The date I spoke with the KeyBank representative The payment confirmation showing I paid the balance in full The ongoing late payments still reporting The impact on my credit score Notes and reference numbers from prior calls KeyBank has not corrected the issue despite multiple attempts to resolve this directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I request that the third party fraudulent account reported under XXXX XXXX XXXX name on my credit report be permanently deleted from all credit bureaus ( Equifax, XXXX and 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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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: NY

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit report show an incorrect account information, XXXX account. I visit TransUnion office in XXXX, previously I disputed the account, when ai visit the office they told me that they were the problem with XXXX and told me that continued dispute the account because they know the situation with the company. 
The same dated I visit XXXX store in XXXX XXXX, XXXX, regard the account and the associate told me that the company report late account and my account was paid and close with the FCC as a intermediate. 

TransUnion allows XXXX to present information that is not correct. That situation decreases my credit score and many of my credit limit were decrease. And I could buy a house.

Both companies does not comply with 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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX there were XXXX fraudulent transactions on my SOFI Checking account. XXXX was a {$500.00} XXXX payment, and the other was a {$500.00} XXXX withdrawal from my checking account. I am filing a complaint because SoFi denied my dispute for an unauthorized XXXX transfer, even though the transaction resulted from fraud and impersonation. A scammer contacted me while impersonating a legitimate XXXX representative. I have screenshots showing the impersonation, including messages that resemble official XXXX communication. I did not authorize the transfer, I did not knowingly approve it, and I did not permit any withdrawal. 

This was an unauthorized electronic fund transfer caused by an account takeover through social engineering. Under Regulation E, unauthorized electronic transfers must be investigated and resolved appropriately. SoFi misclassified my claim as an authorized transaction, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
The day of XX/XX/XXXX i went and put money into my account for my daughters XXXX XXXX then found out that the money was gone i immediantly called chime explained that i am a single mother just lost my job and that the money was for my daughters XXXX they explained to me that it was a repayment i told them i had no authorization for that and im left on hold for a long time leaving me in emotional distress trying to fogure out how im going to give my daughter a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I can not get in contact with Experian by phone or chat XXXX all day today ( XX/XX/XXXX ) about an OPEN DISPUTE from XXXX months ago ( XXXX )!. I have tried everything. There is a dispute tab on the app, but I don't want to open a NEW DISPUTE, that is my entire problem right now. Maybe that is the route I should be taking for my problem, but I do not know for sure, I need help and guidance and can not get it! 
I/We and our XXXX children are supposed to be closing on our first home in a few weeks, and we are now more than frightened of not getting our home because of XXXX OPEN dispute! 
The XXXX other credit bureaus, we're still difficult to reach but not as difficult at all, and we're more than helpful once they were reached. 
I need help immediately before we loose our home loan! Pleeeaaseee please help?!?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern I am filing a formal complaint regarding inaccurate and unlawful reporting on my credit file. I am requesting the Consumer Financial Protection Bureau to investigate and require the furnishers and credit bureaus to correct or delete these items as they are reporting false, misleading, and unverifiable information in violation of the FCRA, Sections 602, 607, 611, and 623. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as XXXX XXXX XXXX XXXX  This account is being wrongfully reported as a charge off even though I have no knowledge of this account, never received any verification, billing statement, contract, or any proof that this account belongs to me. Reporting a charge-off for a {$0.00} balance is inaccurate, misleading, and not consistent with FCRA accuracy standards. I am demanding full validation and immediate deletion if the furnisher can not produce signed documentation proving this debt is mine. This reporting has caused harm, and I request urgent CFPB intervention. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Reported as LATE PAYMENT XXXX XXXX  This account is reporting late payments that are completely false. I never made any late payments, never received any notice, and the creditor has failed to provide any accurate billing history that proves these alleged delinquencies. Under FCRA 623, furnishers must report complete and accurate informationthis is clearly not being followed. These inaccurate late payments are damaging my credit profile, and I demand a full investigation, correction, and update to reflect an accurate on-time payment history. 
I am requesting the CFPB to compel the furnishers and credit bureaus to investigate these inaccuracies, provide verifiable proof, and update/delete the accounts accordingly. These false entries are causing financial harm and violating my rights under the FCRA. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Student loan transferred to nelnet with wrong balance

Company response to consumer: Closed with explanation