vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am paying for a XXXX subscription to monitor my credit, but I was charged twice ( XX/XX/XXXX and XX/XX/XXXX ) and have never been able to access the service. Despite contacting Equifax on three separate occasionsspending a total of XXXX hoursthe issue remains unresolved. 

The problem appears to stem from a failure in their system to properly update login credentials. A simple account reset should have resolved it. Instead, Equifax was prompt in billing me but has shown no urgency in granting access to the service I paid for. 

I am requesting the immediate cancellation of the subscription and a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been disputing an account with Capital One for years. I have told them multiple times and told the credit bureaus that this account does not belong to me. I didnt open it, I didnt authorize it, and I didnt benefit from it. But no matter how many times I explained that, they kept claiming it was mine.

Im not a lawyer or credit expert Im just a regular person who didnt know all my rights. After being ignored, denied credit, and watching my score drop again and again, I finally gave up. I said, You know what? Ill just pay this off so I can move on with my life. So I settled the account just to stop the damage, even though I truly believe I didnt owe it.

Now Capital One is still reporting the account as a charge-off, still showing a balance, and still damaging my credit like nothing was ever resolved. I feel like I was taken advantage of, like I was forced to settle something I didnt owe, and now Im still being punished even after paying just to make the harm stop. 

I feel helpless and exhausted from this process. I tried to do the right thing. But this company has kept false information on my report for years, and theyre still hurting my credit today. I want this account fully removed from my report, all negative remarks deleted, and my credit file corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
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 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 2025-05-30 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., to remove a dismissed bankruptcy that continues to be inaccurately and unlawfully reported on my credit file.

SUMMARY OF ISSUE : Your records reflect the following public record entry : Bankruptcy XXXX XXXX Dismissed Original Filing Date : XX/XX/XXXX Status Date : XXXX XXXX XXXX Court : U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX This record was dismissed and should not be reported as a valid bankruptcy under FCRA standards. Furthermore, this matter has been formally disputed on multiple occasions, and despite Experians legal obligations under 15 U.S.C. 1681i ( a ) ( 5 ), the dismissed bankruptcy continues to reappear on my reportwithout verification, without proper documentation, and in clear violation of federal law.

LEGAL VIOLATIONS : 1. FCRA 1681e ( b ) : Experian must maintain maximum possible accuracy. A dismissed bankruptcy is not a discharge and should not influence credit scoring or appear with derogatory weight.

2. FCRA 1681i ( a ) : Requires a full reinvestigation of disputed public records. If unverifiable or misleading, the item must be deleted.

3. FCRA 1681i ( a ) ( 5 ) ( C ) : Prohibits re-insertion of deleted items unless certified by the source and notice is given to the consumer within 5 days. Experian has failed to meet this burden. 
XXXX. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 
XXXX ), the court held that inaccurate reporting of public recordsespecially without verification from original court sourcesviolated FCRAs reasonableness and accuracy requirements. 
DEMAND FOR RELIEF : In accordance with federal law, you are hereby demanded to take the following actions within four ( 4 ) calendar daysfrom the date of this letter : 1. Permanently delete the dismissed Chapter 13 bankruptcy ( Ref. No. XXXX ) from all versions of my credit file ; 2. Cease and desist from any future re-reporting or re-insertion unless full certification is received and consumer notice is provided as required by 1681i ( a ) ( 5 ) ( B ) ( C ) ; 3. Provide written documentation of your source of reporting, method of verification, and reinvestigation file details used for each prior dispute.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, State Attorney General, and all appropriate legal remedies pursued under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am writing to formally dispute an error on my credit report regarding an account that I fully paid off in XXXX XXXX Despite settling the balance in full and having the account officially closed, it has recently reappeared as unpaid on my credit report. 

I spoke with a representative from their company, who confirmed that my balance was paid in full and that the account is indeed closed. However, this inaccurate reporting is now negatively impacting my credit score and overall report. 



Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AC AutoPay LLC, Denver, CO Branch
State: NM

Complaint narrative:
On XXXX XXXX XXXX, I was looking through an article on XXXX that reviewed a company called AutoPay. In this review, it was stated that AutoPay will contact many lenders and request a soft inquiry so that I might be offered a refinance auto loan. The article explictly stated that there would not be any hard inquiries unless I accept an offer. 

That same day, I received an alert that XXXX XXXX had submitted a hard inquiry through XXXX. At no point throughout the application did I give consent to allowing a hard inquiry on my report. I never accepted any offer from anyone. I immediately froze my credit on all three bureaus to prevent further errors. 

Since then, I have contacted AutoPay, who have allegedly closed my application. I have contacted XXXX too. Both of these companies told me that I have to talk to XXXX XXXX directly. I can not talk to XXXX because they don't have a way for me to contact them for this matter. 

XXXX XXXX has refused to acknowledge the error, or rather anything that I have explained to them. I have had to tell them multiple times that I never authorized this inquiry and that AutoPay and XXXX both say that XXXX XXXX has to submit a request for the inquiry to be removed. It has been over a month, and they haven't given me any actual information that doesn't contradict reality. 

Since XXXX XXXX, XXXX has updated the article to say that a hard inquiry will be submitted. However, XXXX has the older article here XXXX XXXX XXXX XXXX : XXXX XXXX and I have attached screenshots to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

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 2025-05-30 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am disputing a fraudulent account reported by a company named XXXX XXXX. I never authorized, agreed to, or signed up for any service, subscription, or account with this company. The account was placed into collections on the same day it was allegedly opened, which is highly suspicious. 

Furthermore, I have never received any goods, services, or benefits of any kind from this company. There was no transaction or exchange between us. 

This tradeline was reported to the credit bureaus, charged off, and sold to a debt collector without any verification, communication, or proof of indebtedness. There is no signed agreement, and I believe this debt is completely fraudulent. I have found numerous consumer reports online alleging this company uses deceptive or abusive credit practices, suggesting a possible pattern of misconduct. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit furnishers are legally obligated to report only accurate and verifiable information. Additionally, under Section 809 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt which I was never given an opportunity to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Issue Summary : Improper processing of Membership Rewards point transfer between international American Express accounts, resulting in potentially permanent loss of XXXX points due to internal handling errors and inconsistent application of transfer policies. 

Details : I am a holder of both XXXX and XXXX American Express cards. In XXXX XXXX I contacted American Express customer service to request a transfer of Membership Rewards points from XXXX of my XXXX XXXXissued American Express cards to my XXXX. Platinum card ending in XXXX. I requested approximately XXXX points to be moved from the XXXX card ending in XXXX. 
I then asked whether it is possible to also transfer XXXX points from my second American Express card in XXXX ( ending in XXXX ). I was told that this is no problem, but that she'd have to create a second case for this. 

Both of the XXXX cards ( ending in XXXX and XXXX ) are scheduled to be closed within a month, making this transfer very time-sensitive. 

During my initial call, I requested two separate point transfers : approx. XXXX points from my primary XXXX card ending in XXXX. ( XXXX XXXX ) approx. XXXX points from a secondary XXXX American Express card ending in XXXX. ( XXXX XXXX ) The customer service representative confirmed both transfers were possible and created XXXX support cases. The first case was created for the XXXX points ( XXXX XXXX ), followed a few minutes later by the second case for the XXXX points ( XXXX XXXX ). 

Despite the order of creation, only the second case ( XXXX points ) was successfully processed. I received XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX 

At the same time, I was informed that the first transfer ( XXXX points ) was declined on the grounds that only one international points transfer is allowed per calendar year. 

This is highly illogical, as : The first transfer case ( XXXX ) was submitted before the XXXX transfer. 

Both requests were submitted in the same phone call, handled by the same agent, and created within 5 minutes of each other. 

Had the first case been processed as submitted, it would have been acceptedper their own rulewhile the second ( smaller ) one could have been the one declined. 

I later contacted customer service again and requested a new case ( XXXX ) to attempt the XXXXpoint transfer again, explaining the situation in detail. This second attempt was also declined on XX/XX/XXXX, again citing the one-transfer-per-year rule. 

On a third call, I was told by another representative that there was nothing more that could be done, despite the fact that the order of processing clearly violated logic and fairness, and that it was American Express 's own handling that caused this situationnot any action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XXXX XXXX, I was charged for a deposit on my Citi credit card for a hotel. At the hotel I was told I could use a different card to actually pay for the reservation. The Citi card was the card was the original card I made online a month prior for the hotel reservation. At check in, I opted to use a different card than Citi because I just had opened a new card for a statement bonus. I noticed a charge on my Citi card but was told by hotel staff that was a deposit and it should come off since I changed cards. Long story short, I come home and it has gone to pending to posted. I call the hotel and they provide me with PDFs showing that it is fact a deposit and should have not cleared. They claim I need to just dispute it with my card holder, Citi, the hotel provides all documentation when I then provide to Citi Bank. Today, XXXX XXXX XXXX  -- For some reason, even with all information, Citi claims they can not get enough information even though I provided them with the hotel phone number and all the financial ledger information on the PDF given to me by hotel staff to help support my case. I don't exactly know what more they need to reverse the charge. It is clear as day and I feel like they aren't actually investigating anything at all and I sure as heck will never use this card ever again even though it's been my main card for probably XXXX years now. This feels illegal and gross.

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 2025-05-30 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize. Please have these removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize. Please have these removed.

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 2025-05-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, two collection accounts opened at XXXX on XX/XX/XXXX and XX/XX/XXXX under the account numbers XXXX and XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
I HAVE FOUND UNAUTHORIZED AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT DUE THE SEVERAL DATA BREACHES I HAVE BEEN IN. I NEED THEM REMOVED ASAP AS THIS IS A VIOLATION OF MY CONSUMER RIGHT PER FAIR CREDIT REPORTING ACT LAW. THIS IS NEGLECT AND NOT PROMOTING PRIVACY AND ACCURACY PLEASE REMOVE THESE INQURIES

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 2025-05-30 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: GA

Complaint narrative:
I HAVE FOUND UNAUTHORIZED AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT DUE THE SEVERAL DATA BREACHES I HAVE BEEN IN. I NEED THEM REMOVED ASAP AS THIS IS A VIOLATION OF MY CONSUMER RIGHT PER FAIR CREDIT REPORTING ACT LAW. THIS IS NEGLECT AND NOT PROMOTING PRIVACY AND ACCURACY PLEASE REMOVE THESE INQURIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Complaint against XXXXXXXX XXXX Unauthorized Withdrawals On XX/XX/year>, XXXXXXXX XXXX withdrew {$200.00} from my Wells Fargo checking account without my consent. The transaction appears as a PHONE PMT but I did not authorize this payment, nor did I initiate or approve any phone payment. 

This is not the first time this has happened. Over the past 5 years, XXXXXXXX XXXX has continued to withdraw funds from our account without permission, using what appears to be an old or outdated authorization. We have repeatedly tried to block these charges through our bank ( Wells Fargo ), but the withdrawals continue. 

We are a family with children, and these unauthorized charges have caused overdrafts, hardship, and disruption to our ability to pay for essentials like food, gas, and utilities. 

I am requesting : A full investigation into XXXXXXXX XXXX withdrawal practices, A reimbursement of the {$200.00} charged on XX/XX/year>, And a permanent stop to any further unauthorized debits from this or any other account we control. 

Thank you for addressing this financial abuse.

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 2025-05-30 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Home Point Financial Corporation
State: MD

Complaint narrative:
We received a packet in the mail on XX/XX/XXXX from stonegate mortgage. In this packet it included a past due letter dated from XXXX, a statement for XX/XX/XXXX and a few other documents. The papers had my husband 's name with our loan number, mortgage information, and property address. 
But the address stonegate mailed it too was not our address. We have lived in the same home since XXXX, and have always recieved our mortgage statements at that home. The address they sent it to is located in Georgia, we reside in Maryland. I called and was on the phone for over a hour, only spending not even 20minutes speaking to a actual person. I was on hold a majority of the time. I spoke to a customer representative who then said it was on loss mitigation end, even though we were not behind on our payments in XXXX. Loss mitigation said they couldn't tell me why it was sent to that address and I had to send a email to find out why the address was on our account without our knowledgeable to find out why the documents were sent there.

Company response to consumer: Untimely response