vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to report Experians continued refusal to remove unauthorized credit inquiries, despite full compliance by the other nationwide consumer reporting agencies and clear violations of federal law and industry standards. 
Disputed Inquiries I formally disputed the following unauthorized hard inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> These disputes were submitted to all three nationwide consumer reporting agencies. 
Verified Compliance by Other Bureaus Following reinvestigation : XXXX  removed both inquiries, and XXXX  removed both inquiries, after determining the inquiries lacked verified permissible purpose. 
This confirms the inquiries were unauthorized and unverifiable. 
XXXX XXXX Violations Experian has refused to remove the same inquiries and instead asserts that it has nothing to do with the inquiry and directs me to contact the creditor. This response is legally deficient and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only when it has reason to believe the user has a permissible purpose.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receipt of a consumer dispute, Experian must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Under 15 U.S.C. 1681e ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy of the information it reports. 
Advising the consumer to contact the company directly does not constitute a reinvestigation and is an unlawful attempt to shift Experians statutory burden onto the consumer.

To date, Experian has failed to provide : Any signed application or authorization Any contract or transaction record Any documentation establishing permissible purpose Absent such proof, continued reporting of these inquiries constitutes inaccurate and unverifiable information under federal law.

Metro 2 Reporting Violations Under the Metro 2 Credit Reporting Resource Guide, consumer reporting agencies are required to ensure data is : Accurate Complete Verifiable Legally compliant Experians continued reporting of the above inquiries after removal by XXXX  and XXXX  violates Metro 2 standards for accuracy and integrity, demonstrating an unreasonable reinvestigation. 

Side-by-Side Compliance Comparison Credit Bureau Action Taken Compliance Status XXXX  Removed both inquiries FCRA & Metro 2 compliant XXXX  Removed both inquiries FCRA & Metro 2 compliant Experian Refused removal FCRA & Metro 2 violations

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing a credit card charge of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX ) that was improperly handled by Bank of America. 

On XX/XX/year>, I attempted to purchase an inflight upgrade while traveling with XXXX. During the transaction, the merchant experienced a system issue and informed me that the purchase could not be completed. I was clearly advised that the transaction was voided, and I was provided a receipt confirming the voided transaction. No goods or services were received. 

Despite this, the charge later posted to my credit card account on XX/XX/year>. I immediately contacted Bank of America and opened a billing dispute on XX/XX/year>. I submitted clear documentation showing that the transaction was voided and that no service was provided. 

Bank of America closed my dispute in the merchants favor, relying on misleading and incomplete documentation submitted by the merchant. The merchants evidence only reflects an initial authorization and does not prove that a completed transaction or service occurred. The merchants own records show the transaction was voided. 

Bank of America failed to conduct a reasonable investigation and ignored the evidence I submitted. This violates the Truth in Lending Act and Regulation Z, which require creditors to properly investigate billing errors and correct charges when goods or services are not provided as agreed.

As a result of Bank of Americas failure, I have been unfairly charged {$1800.00} for a transaction that never occurred.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has unlawfully reinserted inaccurate information on my XXXX XXXX XXXX account ending XXXX after the balance was previously disputed, investigated, and corrected to {$0.00}. The furnisher verified a {$0.00} balance, and Experian and TransUnion both currently report this account accurately. 

Despite this, Equifax reinserted a {$100.00} balance without providing the required written notice, certification of accuracy, or identification of the furnisher responsible for the reinsertion, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This is the second reinsertion of inaccurate data within the same week, demonstrating a failure of Equifaxs reinsertion controls and compliance procedures.

Equifaxs conduct has caused repeated reporting of inaccurate credit data, artificial utilization, and consumer harm. I am requesting immediate deletion of the reinserted balance, written reinsertion certification as required by law, confirmation of the source of the reinserted data, and assurance that this account will not be reinserted again absent full statutory compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I took out a personal loan with Step Stone Credit in XXXX, Texas. The company has been running my debit card daily, sometimes repeatedly, to collect on the debt. I did not authorize daily debit card withdrawals, nor did I agree to repeated payment attempts.

These transactions have caused financial hardship, including the risk of overdraft fees and loss of access to funds needed for basic living expenses.

I believe this conduct violates the Electronic Fund Transfer Act ( Regulation E ) because the withdrawals exceed any reasonable or clearly authorized payment terms. The repeated debit attempts feel coercive and abusive, especially after payments failed.

I have not been provided with clear written authorization showing I agreed to daily debit card charges, and the company continues attempting to charge my card instead of offering reasonable repayment. 

I am requesting that the company : Immediately stop all debit card transactions Provide written proof of any alleged authorization for recurring debit card charges Refund any unauthorized or excessive charges Communicate with me in writing only regarding repayment options

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
My credit reports contain inaccurate and inconsistent personal information, including multiple name variations that I have never used or no longer use. These inaccuracies create a high risk of a mixed or fragmented credit file and violate the requirement under the Fair Credit Reporting Act ( FCRA ) that consumer reporting agencies maintain maximum possible accuracy. 

In addition, several accountsparticularly student loan accounts that were transferred or closedare reported inconsistently across XXXX, XXXX, and XXXX. Some accounts show late payment history, balances, or statuses that are incorrect or continued to be reported after the accounts were transferred, paid, or closed. The same accounts are reported differently by each bureau, indicating a failure to properly verify the accuracy of the information. 

I have disputed these inaccuracies, yet the incorrect information continues to appear, suggesting that the companies involved did not conduct a reasonable reinvestigation as required by law. I am requesting that all inaccurate personal information be corrected or removed, and that any account information that can not be fully verified as accurate be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint to CFPB regarding Capital One I am filing this complaint against Capital One regarding unauthorized electronic funds transfers and inconsistent dispute handling. 

Two separate disputes were opened regarding transfers to similarly named companies : 1. Dispute # XXXX payment via link to XXXX XXXX approved by Capital One. 
2. Dispute # XXXX payment via XXXX to XXXX XXXX denied by Capital One. 

Facts common to both disputes : The transfers were made without my consent ; I had no contractual relationship with the actual recipients. 
The transfers were misrepresented : I was provided payment details for a company whose name matched the company with which I had a contract. 
The first dispute was recognized as unauthorized and approved, but the second dispute was denied solely because the payment was made via XXXX, with Capital One claiming that XXXX does not assume responsibility for authorization.

Legal basis : The key issue making the transfers unauthorized is misrepresentation via similarly named companies, which renders the transfers unauthorized under Regulation E ( 12 CFR Part 1005 ).

Capital Ones denial of the second dispute, despite identical evidence and circumstances, constitutes double standards and a violation of federal consumer protection law.

I request that CFPB : 1. Investigate Capital Ones inconsistent application of Regulation E ; 2. Require Capital One to reopen and fairly adjudicate Dispute # XXXX ; 3. Ensure that the unauthorized funds are returned to my account.

Attachments : Correspondence with the Russian company ; Signed contract with XXXX XXXX ; Screenshots and payment instructions ; Bank statements ; Registration documents for XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IN

Complaint narrative:
I was charged {$64.00} after canceling a free trial the same day due to misleading advertising. The merchant refused a refund and closed support chat without resolution. Cash App has a history of declining disputes, and I am requesting proper investigation and reversal of this charge as it impacts my ability to pay essential bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed my account after I receive my unemployment I sent them all required document they closed my account with over XXXX I never received my money or why account was closed after I sent over documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I have call several times to my mortgage company during the month of XX/XX/XXXX during the process of finalizing my agreed upon contract for my loan modification. I called XX/XX/XXXX CMG loss mitigation department told me that they have not finished the update in the system to reflect the modification as of yet, told them my monthly payment on the website portal for the loan was reflecting incorrectly for the monthly payment and the escrow shortage.

My loan modification contract is supposed to show as follows ( this is what I signed/binding/effective and got notarized on how my loan modification should reflect ) : NEW
UPB : {$540000.00}, NEW INTEREST RATE : 5.25 %, MOD EFFECTIVE DATE XX/XX/XXXX, FRIST PAYMENT DATE XX/XX/XXXX XXXX NEW PRINCIPAL AND INTEREST AMOUNT : {$2700.00}, NEW ESCROW AMOUNT {$460.00}, TOTAL ESCROW SHORTAGE : {$640.00}, MONTHLY ESCROW SHORTAGE {$100.00}, NEW FULL PAYMENT {$3200.00}. 

I called made my XXXX payment of {$3200.00} as agreed upon per my modification. 
I called CMG mortgage again on XX/XX/XXXX around XXXX they stated to me that the loan modification has been finalized and updated in the loan servicing system to reflect new loan modification. I told them that the escrow is still show a full shortage of the paid XXXX taxes of XXXX - {$12000.00} ( which is my paid taxes for the year of XXXX ). I was on a special forbearance plan during this whole time so this doesnt make sense ). 
Now its states in the system my monthly escrow is set to the amount of {$1200.00}. So when you add up my principal payment of {$2700.00} and my escrow monthly payment of {$1200.00}, which is {$3900.00} now reflecting incorrectly the system my new monthly updated payment. This is completely incorrect per my contractual loan modification and what it is supposed to reflect. This amount in the system doesnt even reflect my actual escrow amount for the month. This is completely incorrect.

I need to servicer CMG MORTGAGE to make the corrections and reflect the agreed upon contractual loan modification I notarized with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company 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 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS
DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-27 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I tried online to obtain my reward points, was locked out of my account, on XX/XX/XXXX. I called and was told that my account was locked out for XXXX days to call back then. I called back on XX/XX/XXXX, was told it was still locked out, call back later. Its my understanding I only have till XX/XX/XXXX to obtain my rewards. I told them this, talked to multiple managers and they just dont care and gave me no answers. So they are just making it impossible for me to obtain my XXXX gift card to Macys.

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