vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm reporting Capital One involving data breach of my personal information. Federal Law prohibits Capital One employees from sharing and selling personal information without providing silent investors with full disclosure to opt out of having their information shared and sold. According to XXXX, who provides credible information to customers internationally when it comes to companies being sued involving class action lawsuits, There's class lawsuits against Capital One. 
One of those lawsuits involves a $ XXXX Class Action Settlement XXXX, Every Customer to be Paid Upon the claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

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 2025-11-25 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:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report. The listed accounts have discrepancies that I believe need further investigation and correction under the FCRA. Kindly review and make necessary updates to reflect accurate information. 

Charged Off 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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 am submitting a dispute regarding the following accounts listed on my credit reports. Please investigate these accounts for accuracy and address the discrepancies as required under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am reporting an unauthorized XXXX XXXX credit card account that has appeared on my credit report. I did not apply for, open, authorize, or use any XXXX XXXX credit card. I have never submitted an application for this account, and I have not received any card, statements, or communication from the company. 

This account is fraudulent or a reporting error, and it is currently damaging my credit score. I am extremely concerned because I did not give anyone permission to use my personal information for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 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 XXXX 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 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 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 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sezzle Inc.
State: PA

Complaint narrative:
On XX/XX/year> I requested the following lawful records : All loan application and underwriting data Origination disclosures Internal accounting & ledgering entries All records of credits, debits & fund allocations Any promissory notes, repayment schedules, and internal communication related to approval/denial All records required under TILA, Regulation Z, ECOA Regulation B, UCC 9-210 , UCC 3-303 and 3-309 I cited the following laws which provide my right to the requested information : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

TILA 1641 ( f ) ( 2 ) Regulation Z ( 12 CFR 1026.17, 1026.18, 1026.19, 1026.25 ) ECOA Regulation B ( 12 CFR 1002.9 & 1002.12 ) UCC 9-210 Right to Accounting of Secured Obligation UCC 3-303 Value and Consideration UCC 3-309 Lost/Destroyed/Uncredited Instruments Regulation E ( 12 CFR Part 1005 ) SEZZLES RESPONSE Instead of complying, Sezzle sent a brief email stating : Review your payments in the Orders tab.

You receive monthly statements by email.

You can view all transactions in the app.

This response does not fulfill federal obligations and does not provide the specific documentation legally required to be provided upon request.

Sezzle completely ignored : The request for loan underwriting records The request for promissory notes, credit decisions, or origination details The request under TILA 1641 ( f ) ( 2 ) The request under UCC 9-210 The request for internal ledgers, debiting and crediting entries The request for transaction-level documentation for borrow/loan products This constitutes a failure to comply with federal disclosure laws.

VIOLATIONS I believe Sezzle is in violation of : TILA 15 U.S.C. 1641 ( f ) ( 2 ) Failure to provide loan information upon written request Regulation Z Failure to provide required disclosures, records, and itemizations ECOA Regulation B Failure to maintain or furnish application records UCC 9-210 Failure to provide a complete accounting of a secured obligation UCC 3-303 & 3-309 Failure to disclose value given, consideration received, and crediting history Regulation E Failure to provide EFT documentation Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

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 XXXX and TransUnion 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 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As a debt ( collector or servicer XXXX Bank of America ( BOA ) XXXX also be subject to the FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) Where XXXX MANDATES THAT Consumers can request validation of a debt, including : Name of the original creditor copy of any judgment or verification. 
Payment breakdown, etc. 
I have not received the service file that was requested back in XX/XX/XXXX. 
Due to that XXXX fact, alone, they had XXXX  days to supply me with that service contract They are in noncompliance of a federal mandate I did everything I was asked to do from Bank of America to remove unverifiedinaccurate fraudulent information from my credit report Its been several months and Bank of America has failed to supply the information. They are now in non-compliance under XXXX XXXX. Please have this information removed immediately. It is causing me and my family a serious hardship. 

I have also contacted my local law-enforcement agency and filed a fraud identity theft report see attached documents I contacted the federal trade commission and filed a complaint and obtain a FTC ID theft affidavit See attached copy Company in question ( I have never done a joint purchase with or any person to purchase a vehicle I never went into any dealership in New Jersey and purchased {$160000.00} XXXX I have been living in XXXX since XXXX over XXXX years. 

The Bank of America account was removed in XX/XX/XXXX due to fraud. I dont know how they had it reinstated with unverified/ inaccurate information If this information is not removed immediately, I will hire a lawyer to help resolve this issue at Bank of XXXX expense Detailing ( BOA ) failure to verify an inaccurate reporting

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 2025-11-25 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: TX

Complaint narrative:
I was charged by XXXX at XXXX XXXX XXXXXXXX a total of {$960.00} - {$800.00} for a home appraisal and the remainder for a credit check and fees. This was after the home appraisal fee was paid in our closing costs, and no credit check charge was authorized. An authorization was given for an employment check, which was not preformed. I filed a dispute with Citi bank, as these were incorrect charges, and tried to contact the vendor. The vendor refused to take back the charges, even though the appraisal had been paid at closing. I sent Citi bank proof of this payment on XX/XX/XXXX. Citi bank never reviewed the paperwork, and closed the dispute in favor of the vendor. Citi bank did not take my paperwork into consideration until re-charging me, without my knowledge or notice, and only then when I called in for more information on XX/XX/XXXX did Citi bank acknowledge receipt of my email and send it to the investigating team. Citi bank reached out to me initially for information and requested the paperwork on XX/XX/XXXX. They then reached out to me a second time, where they again asked many of the same questions. I asked the representative multiple times if the email paperwork I sent in had been received or was being investigated, with no concrete response. And then the dispute was closed without acknowgement of my evidence.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding certain credit reporting items across the three major credit bureaus. The following accounts are being disputed, separated by bureau. 

CHARGED OFF 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On XX/XX/year>, I opened a premium savings account ended ( XXXX ) with XXXX * trade, and I deposited a little bit more than $ XXXX into the account because they advertised the rate is 3.75 % and will pay {$750.00} bonus. ( Please see the link : https : //us.etrade.com/promo/savings ) After a couple of months, I received the bonus in XXXX. Everything is fine until I needed to use my own money. Something suddenly didn't work right. Soon after I transferred some of my money out, they started restricting my bank accounts. 

First, I thought that this might be just a security issue and the bank needs to verify my identity to make sure that I withdrew the money. 

so, I called in, spent an hour talking to a rep, and he wanted me to upload a bank statement that he randomly pointed out a transaction. He promised that the account will be un-restricted in 2 days. 

Called in 2 days later, spent another hour with another rep who said that they can't see the document very well. He wanted me to upload again and promised that the account will be un-restricted in 2 days. 

Called in 2 days later, spent another hour with another rep and he randomly pointed out another transaction and said he needs to do a XXXX call with that bank. 

Same thing repeats again and again for more than XXXX times, and they don't want to resolve the issue but continue holding my money. XXXX rep told me that If I withdraw my money within 6 months of the account opening, they will restrict my account because I am using their services. I never saw a bank like this in my whole life. What he suggested is that I must keep the money in the account for at least 6 months before I can withdraw and use. Otherwise, your account will be restricted. Not sure what rule is that. 

In the end, from what they did and what they said, I know that they don't like people opening a bank account, get the bonus, then move the money out. So, why don't they fix the advertisement instead doing illegal thing to their own customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-11-25 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:
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 2025-11-25 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This account was discharged in a bankruptcy case and should not be being reported.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The account was opened just before the pandemic there was a suspension of payments during the pandemic for some reason your company placed a late payment on my consumer profile this late payment is inaccurate I would like to draw your attention to under 15 usc 1666 ( B )

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 2025-11-25 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: NJ

Complaint narrative:
I am requesting a review and correction of the following charged-off accounts, inquiries, and late payments on my TransUnion credit report. The information provided does not reflect accurate details and must be updated in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : I C System Account Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief