vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I affirm that the false late payment remarks on my accounts are in violation of 15 U.S.C. 1666. I have always made my payments on time, and any inaccuracies in this reporting are both improper and unlawful.

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 2025-11-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
I had a loan with PHH that transferred to XXXX XXXX XXXX XXXXXX/XX/XXXX. I have a statement from PHH on XX/XX/XXXX stating my loan balance is {$300000.00} which was correct and also a Notice of Service Transfer letter from PHH stating the balance was {$300000.00}. On XX/XX/XXXX, PHH reversed multiple payments which was done in error. All of the extra payments totaled {$150000.00}. My balance was transferred to XXXX XXXX with a balance of {$450000.00} then later the {$150000.00} was applied to the account bring the balance down to {$300000.00} which is higher than the statement and transferring letter. I want to know why my loan was not transferred to XXXX XXXX with the balance of {$300000.00} like my statement and Notice of Service Transfer letter stated?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
A hard credit inquiry from this company appeared on my credit report even though I never gave them written or verbal permission to access my credit file. I did not submit a credit application to this company, and I did not authorize any dealership or third party to transmit my personal information to them. 

This appears to have been part of an auto-dealer XXXX credit pull, where my information was shared with multiple lenders without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have a permissible purpose and documented authorization before obtaining a consumer report. I am requesting that the company provide : A copy of the signed credit application or written authorization where I granted permission for this company to access my credit, and Documentation proving permissible purpose under FCRA 604.

If they can not provide signed authorization, the inquiry must be deleted from all three credit reporting agencies in accordance with FCRA 611. 

I am requesting the CFPBs assistance in obtaining verification or removal of this unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A hard credit inquiry from this company appeared on my credit report even though I never gave them written or verbal permission to access my credit file. I did not submit a credit application to this company, and I did not authorize any dealership or third party to transmit my personal information to them. 

This appears to have been part of an auto-dealer shotgun credit pull, where my information was shared with multiple lenders without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have a permissible purpose and documented authorization before obtaining a consumer report. I am requesting that the company provide : A copy of the signed credit application or written authorization where I granted permission for this company to access my credit, and Documentation proving permissible purpose under FCRA 604.

If they can not provide signed authorization, the inquiry must be deleted from all three credit reporting agencies in accordance with FCRA 611.

I am requesting the CFPBs assistance in obtaining verification or removal of this unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

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 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptiy notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to XXXX XXXX XXXX they are suppose to 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 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am refiling this complaint because Capital One incorrectly responded that there was an unauthorized third party involved in my prior submission. I want to make it clear that I personally submitted the original complaint to the CFPB and I authorize Capital One Bank ( USA ), N.A. to fully access, review, and respond to my complaint. 

This issue concerns fraudulent Capital One accounts that continue to appear on my credit report despite my certified dispute and proof of fraud. 

On XX/XX/year>, I mailed a certified dispute letter directly to Capital One, along with identification and documentation proving my identity and confirming that the disputed accounts were opened or used fraudulently. According to USPS records, Capital One received my letter. However, they have failed to properly investigate or remove the fraudulent accounts. 

Capital Ones previous response claiming an unauthorized third party is inaccurate and unacceptable. I am the consumer directly affected by this issue, and I am requesting the following : 1. Capital One immediately cease reporting the fraudulent accounts to all credit bureaus ; 2. Capital One conduct a reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ) ; and 3. Capital One provide written or electronic confirmation that these fraudulent accounts have been permanently deleted from my credit file.

I have attached my certified dispute letter, proof of delivery, and identification again to confirm that I am the authorized consumer submitting this complaint.

I authorize Capital One Bank ( USA ), N.A. and the CFPB to communicate and share information regarding my account solely for the purpose of resolving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX 
Checking Account XXXX. My login is my email XXXX. 
I used to live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I no longer live in the XXXX. I am not an XXXX citizen. 

I have been trying to close my bank account for the last XXXX weeks with no luck. I no longer live in the XXXX, so there " XXXX no reason for me to keep the account. The chat on the app is an AI that gets me nowhere and they say I have to call. When I call, I never get to talk to a real person, I put the account number and they say I need to verify my identity but I never get through. 

I have done it over XXXX times with no luck. It has been IMPOSSIBLE to close this account and while it " XXXX open, the bank keeps me charging. I am desperate. I would like to close the savings account as well.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from XXXX own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise.

If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, [ 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Reported fraudulent credit inquiry to citi and XXXX and inquiry from XX/XX/XXXX is still on my credit report

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings
State: AL

Complaint narrative:
Hey Zion debt holdings XXXX violated the fcra and the fdcap by illegally putting a account on my credit report for a security system at a home I never lived at or been associated with it is fraud and I would like this information removed asap the rep is very rude by the way

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear Sir/Madam, I am requesting an investigation into the following accounts and inquiries on my Experian credit report. I believe certain items may not be reported correctly, and I kindly ask for your attention to these discrepancies. 

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 XXXXXX/XX/XXXX, Balance : {$3400.00} ) Please verify the accuracy of these charge-off accounts and ensure that they comply with FCRA standards . If found to be inaccurate or unverifiable, I request that these entries be removed. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm the legitimacy of these inquiries. If they are unverifiable, kindly remove them from my report. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX ) Please verify the accuracy of the reported late payment and provide clarification on its status.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding what I believe to be predatory lending practices. I borrowed the lenders minimum loan amount of {$300.00}. I actually needed less than that, but due to time constraints, I had to make a quick decision and accept the minimum amount offered. 

I have made XXXX payments totaling {$390.00}. Despite making all required payments on time, only a little over {$5.00} has been applied toward my principal balance. The remainder has been applied entirely to interest. According to the payment schedule, I am still required to make XXXX additional payments of {$65.00} each which totals {$780.00} even though I have already paid {$390.00}. 

When I contacted customer service today ( XX/XX/year> ) to express my concerns and request clarification, the representative was extremely nonchalant and dismissive. I was told, thats what happens when you make the minimum payments, and informed that if I wanted to pay off the loan today, the payoff amount would be {$290.00}. 

I do not have an issue with paying interest on a loan that is completely understandable. However, the way this loan is structured results in nearly the entire amount of my payments going to interest, with almost none going toward the principal balance. This is excessive and unreasonable. The fact that I have paid more than the original loan amount and still owe nearly the full balance raises serious concerns about predatory lending tactics. 

I am requesting that the CFPB investigate this lenders loan structure, interest practices, payment allocation methods, and treatment of customers. I respectfully ask for assistance in obtaining a fair adjustment to my loan terms and balance, as this arrangement appears deceptive, exploitative, and financially abusive. 

I will never use their services again nor will I recommend anyone to use their services with these types of practices being used. 

Thank you for your time and attention.

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