vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Capital One requested identity verification for my account and asked me to upload specific supporting documents. I uploaded all requested documents on the same day through their designated upload system. 

After submitting the documents, I did not receive any confirmation, follow-up, or notice indicating whether the verification was approved or rejected. Between XX/XX/XXXX and XX/XX/year>, I checked my account status multiple times, but the verification remained pending with no resolution or meaningful update. 

As a result of the unresolved identity verification, my credit card has been completely unusable. I have been unable to make purchases, and I am also unable to access or redeem my rewards. This has caused a significant disruption to my normal financial activities and has had a material impact on me. 

As of XX/XX/year>, more than XXXX days have passed since the required documents were submitted, and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
After checking my recent credit report I noticed multiple accounts reporting that I do not recognize. These account are fraudulent and should be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am disputing the accuracy of the multiple late payment entries reported on my credit report. These late payment histories are incorrect and do not reflect my actual payment behavior. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information. I request that the credit bureau conduct a full investigation into these entries and remove all inaccurate late payment histories from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I called to close my high-yield savings account which has an existing balance. 
The existing balance exceeds the current daily transfer limit by XXXX Citi would not close my account on the phone. 
They would not increase my limit to allow me to do a one-time transfer. 
They would not complete the transfer for me. 
They offered to close the account and mail a check within XXXX business days. 
Alternatively, they suggested I could do several smaller electronic transfers over the next 7 days, a paid wire transfer or could call my other bank to initiate a transfer request. 
This feels like an aggressive policy to extend a few extra days of balance and shift support costs onto competitive institutions. 

I've closed a couple other accounts recently in a similar manner, typically completed on the phone in less than XXXX minutes. This has been a superlatively bad experience.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NJ

Complaint narrative:
Direct Express froze my account in XXXX of this year claiming suspicious activity and asked me to send them verification of identity. I sent them copies of my state ID and social security card and other identification but they did not accept them and told me to contact social security which I did. Social security transferred my deposits to another bank account and told me they would request Direct Express to release the money. After a month nothing happened and I contacted social security again but they said all they could do was to request that Direct Express release the money again and that they could only do this every 60 days. After XXXX 60 day cycles social security told me they couldn't do anything else and to contact Direct Express again. I have tried to contact them again but every time they keep me waiting on the phone for hours and then hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  CRD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} Inquiries XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-12-22 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
There was a credit card account opened in my name with a credit limit of {$1000.00} that I was not aware of nor did I authorize. upon checking my credit report on XX/XX/year>, there was a notice of a delinquent account for non-payment on the account, at that time I initiated a dispute through XXXX credit reporting agency for fraud and initiated fraud protection. I contacted the credit company to let them know about the credit card fraud and requested additional information about the account in question ; my request was denied and was told there was nothing they can do or help me with. At this point I have no account information at all.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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.

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 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I attempted to wire money to the bank account of a currency exchange service on Wednesday XX/XX/XXXX. They said they had changed their form and sent me the new one. I completed the new one, and it was under review. I was called by the reviewer for more information and I thought it was a done deal. The money actually showed as moved in my account, but later in the day was reversed. 

Someone named XXXX then messaged me that the transfer was denied. He asked if I had any more questions and I said I did, asking why they would not follow my instructions to transfer funds. NO RESPONSE. 

I then reached out to someone else and resubmitted the XXXX XXXX. No response. When I followed up on Thursday, they told me it was under review, then, Friday, that it was still under review. Then XXXX jumped in again, saying that again it was denied. No one called me to discuss, nor to explain. I requested the denial in writing and have not received it. 

The most information I got was that " at our ( Bread XXXX ' ) discretion '' I could transfer to an account that didn't have my name on it but was for my benefit. I was trying to move money to my overseas account for upcoming expenses but they denied it. 

In the past, I have wired money to this entity for the purpose of transferring internationally and it was approved. 

As I am filling out this complaint form, I finally got someone at Customer Service trying to help me. After about an hour on the phone and on hold, I was transferred to someone else who listened to what I said. She spoke to a Supervisor who agreed that if I'd previously transferred money to this account and it was approved multiple times, they should not have denied it. 

Aside from this XXXX person apologizing and trying to help me, this entire bank has lost my confidence. And if I urgently needed to wire money for a business deal, would they also deny me, causing me to do multiple wires to myself and then from another bank to the business contact? Extra time and fees I don't need to be burdened with. I spoke with the approval team and they still denied me. They may say it was for my protection, but A ) they never used those words, and B ) they caused me monetary loss. 

I'd stay far away from Bread XXXX and advise others to do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information on my credit report have been denied and disregarded. As a consumer, I am aware of my rights under the Fair Credit Reporting Act, including the requirement that information reported must be maintained with maximum possible accuracy. Despite this, multiple accounts continue to be reported inaccurately. These ongoing reporting errors are harming my credit score and negatively impacting my life.

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 2025-12-22 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: FL

Complaint narrative:
Dear [ Credit Bureau Name ], This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding multiple entries on my credit report that contain inaccurate and unverified information, damaging my creditworthiness and violating my rights as a consumer.

Please perform a thorough reinvestigation of the following accounts and remove them unless they can be fully validated with original documentation from the data furnisher. 
Below are the disputed entries and the basis for each dispute : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not 120 or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ).

It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? 
The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( x3 ) Account # 1 Balance : {$130.00} Account # 2 Balance : {$160.00} Account # 3 Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( YouFit Gyms ), and were reported on different dates for similar amounts.

These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting.

They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. 
I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records. 

Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted

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 2025-12-22 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: TX

Complaint narrative:
I am formally submitting a complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify details if possible, e.g., Social Security number, account numbers ], may have been accessed, viewed, or misused without my authorization. This incident raises serious concerns about the security and protection of my information.

Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full investigation into any potential unauthorized access, use, or accounts opened using my personal information. 

Correct or remove any inaccurate, fraudulent, or misleading information on my credit report that may have resulted from this breach.

Provide detailed, written documentation confirming the results of your investigation, the steps taken to resolve any issues, and any preventative measures implemented to protect my information moving forward.

I expect this matter to be handled with the highest priority. Failure to address these concerns promptly and thoroughly may leave me with no choice but to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Please provide immediate confirmation of receipt of this complaint and updates on the progress of the investigation. 

This issue directly impacts my financial standing and personal security, and I trust that your team will take all necessary measures to rectify the situation and prevent any further unauthorized use of my sensitive information.

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 2025-12-22 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: TX

Complaint narrative:
I am formally submitting a complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify details if possible, e.g., Social Security number, account numbers ], may have been accessed, viewed, or misused without my authorization. This incident raises serious concerns about the security and protection of my information.

Under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy and consumer protection laws, I am entitled to have my information safeguarded and to be notified immediately of any unauthorized use. Therefore, I am requesting that you take urgent and comprehensive action to : Conduct a full investigation into any potential unauthorized access, use, or accounts opened using my personal information. 

Correct or remove any inaccurate, fraudulent, or misleading information on my credit report that may have resulted from this breach.

Provide detailed, written documentation confirming the results of your investigation, the steps taken to resolve any issues, and any preventative measures implemented to protect my information moving forward.

I expect this matter to be handled with the highest priority. Failure to address these concerns promptly and thoroughly may leave me with no choice but to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Please provide immediate confirmation of receipt of this complaint and updates on the progress of the investigation. 

This issue directly impacts my financial standing and personal security, and I trust that your team will take all necessary measures to rectify the situation and prevent any further unauthorized use of my sensitive information.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Upgrade Inc .

This account was closed and charged off, with no ongoing payment obligation and no legitimate account activity since 2022. Despite this, Upgrade continues to furnish updates to the credit bureaus that make the account appear recent and actively derogatory.

The continued reporting of this closed, zero-balance charged-off account creates false recency and misrepresents my current credit risk. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report information accurately and not in a manner that is misleading or materially incomplete.

Upgrade has not demonstrated a permissible purpose to continue updating this account years after closure, nor has it explained how recent reporting accurately reflects the accounts status.

I previously disputed this reporting with the credit bureaus, and the information was verified without addressing the ongoing re-aging and false recency issues.

I am requesting that Upgrade either : Provide documentation supporting the accuracy and necessity of continued reporting, or Remove this tradeline entirely if it can not be accurately reported without creating misleading recency. 

I am not disputing ownership of the account. I am disputing the manner in which it is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MS

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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