vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received notice from experian that Comenity had an application for a credit card from XXXX credit card. I received something from Comenity showing they canceled this. I called both XXXX  and Comenity and got them to cancel the application and the hit on my credit. I also put a credit lock on my account so this will not happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
These are fraudulent credit inquiries that are on my credit report which I did not authorize these companies to do so, which violates my frca rights and they do not belong on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These are fraudulent credit inquiries that are on my credit report which I did not authorize these companies to do so, which violates my frca rights and they do not belong on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
An application was submitted under my name to capital one for a credit card and it wasnt me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Nelnet, Inc.
State: PR

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the U.S. Department of Education. 
Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CT

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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Roseberry Inc.
State: AL

Complaint narrative:
Hello and thank you! On XX/XX/scrub> 2025 I found out that XXXX XXXX ( XXXX XXXX, XXXX ) had wrote a check for XX/XX/year>2025 and I always for years paid between the XXXX and XXXX of each month. I never missed a payment. The bank XXXX XXXX XXXX XXXX ran the check and I was charged as if I wrote the check for that date. I went into ( XXXX XXXX, XXXX ) on the XXXX of the month like I always do no latter than the XXXX of each month. I had to make XXXX trips to the bank because, ( XXXX XXXX, XXXX ) had deposited a check into my account on XX/XX/year>2025 without giving me any kind of notice or call. They said, " because I paid on my account to early in XX/XX/scrub> 2025 that is why they deposit the check they wrote. However, I ask Manager XXXX if I paid early in XXXX XXXX, 2025 would that affect my normal payday loan. She said " no It wouldn't affect my payday loan date. There were several other people XXXX  and XXXX, elderly, XXXX who may not know where to report this incident. This messed things up with my bank account to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CT

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their

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 2025-04-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the charge-off status reported on my auto lease account # * XXXXPer the official lease-end inspection, I incurred {$0.00} in excess wear and tear and {$0.00} in excess mileage charges. However, I never received a final invoice for the {$450.00} disposition fee, nor was I notified of any outstanding balance or given an opportunity to pay it before the account was reported as charged off.This lack of communication is deeply concerning and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as I was not given a chance to resolve the balance or dispute the charge prior to the negative reporting.I respectfully request:1. A full copy of the final invoice, including disposition fee details ; 2. Removal or correction of any negative credit reporting associated with this lease, as the charge-off appears premature and unsupported ; 3. Written confirmation of my current account balance and status.Please consider this letter a formal dispute under the FCRA and Fair Credit Billing Act. I request a written response within 30 days as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I am writing to formally dispute the charge-off status reported on my auto lease account # * XXXXPer the official lease-end inspection, I incurred {$0.00} in excess wear and tear and {$0.00} in excess mileage charges. However, I never received a final invoice for the {$450.00} disposition fee, nor was I notified of any outstanding balance or given an opportunity to pay it before the account was reported as charged off.This lack of communication is deeply concerning and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as I was not given a chance to resolve the balance or dispute the charge prior to the negative reporting.I respectfully request:1. A full copy of the final invoice, including disposition fee details ; 2. Removal or correction of any negative credit reporting associated with this lease, as the charge-off appears premature and unsupported ; 3. Written confirmation of my current account balance and status.Please consider this letter a formal dispute under the FCRA and Fair Credit Billing Act. I request a written response within 30 days as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>2025 I entered a Bank of America branch to deposit a federal refund check of XXXX, I started a checking and savings account. I was told by the banking associate that I would have available to me {$5200.00} the next day XXXX/XXXX/2025 and the remaining amount made available on XX/XX/year>2025. The next day I viewed the banking app on my phone and noticed that the full amount would be made available XX/XX/year>2025 it no longer said the available balance would be {$5200.00}. On XX/XX/year>2025 I visited the same branch I initially made my deposit and withdrew XXXX from my account. On XX/XX/year>2025 I made contact with a customer rep. over the phone after not being able to access my online banking application and was told my account was closed. I inquired about my remaining funds and was told a cashiers check would be mailed out that day XX/XX/year>2025. XX/XX/year>2025 I made phone contact with a customer representative that told me a cashier check was mailed out on XX/XX/year>2025 and I would recieve it the following week. The next week I recieved a letter dated XX/XX/year>2025 informing me my funds were frozen and under investigation to determine if the funds were due to me. XX/XX/scrub>/2025 I contacted Bank of America and was told by a representative that my check could not be verified Initially and they needed to either return the check to the irs so that they could reissue it or I could provide them with a irs department number that can verify to them that the check is indeed real and due to me.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
BMO Bank NA closed my credit card account without warning or explanation. I was actively using the card, never missed a payment, and was working on paying it down. They reported the closure as Closed by credit grantor, which hurt my credit score. 
I contacted customer service and was told there was nothing they could do, and they refused to correct the reporting or give me a proper reason. 
Ive now seen multiple complaints online showing this is happening to other customers as well, sudden closures with no warning, perfect payment histories, and vague corporate responses. This appears to be part of a larger trend after BMOs acquisition of XXXX  XXXX XXXX XXXX 
I am requesting that the credit reporting be corrected to reflect the positive history, and that BMO be held accountable for unfair practices that damage consumer credit without cause.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Experian credit file concerning my student loans account, account numbers follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, Experian is reporting a 90 days late payment in XX/XX/XXXX. However, this account has been in approved deferment from XX/XX/XXXX to XX/XX/XXXX. According to both TransUnion and Equifax, this information has already been corrected and updated to show the account as Paying as Agreed, with no delinquency. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation when a dispute is submitted regarding the completeness or accuracy of any item. Furthermore, under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information they include.

The reporting of a late payment during a deferment period is inaccurate and misleading. This incorrect reporting is affecting my credit score deeply and its stopping me from obtain credit approval for a vehicle my family currently needs. I request that you promptly correct or remove this erroneous entry and update your records to reflect the accurate status of this account. 

Please provide written confirmation of the results of your reinvestigation within 30 days, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez paid our annual insurance of XXXX on XX/XX/XXXX25. We switched insurance companies, the company issued a refund check back to the mortgage company ( Newrez ) on XX/XX/XXXX. Newrez cashed the check on XX/XX/XXXX25. The check was made payable to NewRez only. I will attach a copy of the cashed check. NewRez then deposited into our escrow account on XX/XX/XXXX25, took it back out on XX/XX/XXXX25, added XX/XX/XXXX/25, took back out XX/XX/XXXX25. Deposited again XX/XX/XXXX25, took out XX/XX/XXXX/25, added it again on XX/XX/XXXX25 and took it back out XX/XX/XXXX2025. I have called several times ; ( I can pull phone records if needed ) to try to figure out what the problem is. I get a different person and different XXXX  every single time. They have told me they have mailed a check to me for me to endorse and then when I get transferred to a new person, they tell me that is incorrect a check was not mailed and that it is in a holding account. I am not asking to have the money sent to me, I just want it back into my escrow account so that my account is not negative. This has also caused my payment to increase {$500.00} a month. We have paid an additional {$500.00} a month in XXXX and XXXX because of their XXXX up. The person I talked to this morning said a check was mailed on XXXX but I have heard this before. The issue with that is if they sent this USPS and it gets lost in the mail, then what? They have the money, the check is cashed but they are not keeping it in my escrow account.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed I had XXXX fraudulent charges in XXXX when I was looking through my statements and of course, I spoke with the merchant directly and didn't come to a proper resolution for these charges so I contacted the fraud team at Citibank immediately after. I spoke with them and explained how I had made legitimate purchases with the merchant in the past but recently stopped and was getting charged XXXX times over the course of the month for {$300.00} each. It wasn't a subscription service either since it was like a one-time thing with the merchant. I waited and waited until Citibank said that I was responsible for these charges? I did not authorize nor permit the merchant to use my card for these charges, but they still were able to charge my card without my consent and get away with it. The explanation I got from the fraud team was that " because you dealt with them in the past, we can not reimburse you for these charges. '' I don't understand how because I have made legitimate purchases from them in the past, that means they can just charge my card unauthorized and be able to take my money for free. I tried calling the fraud department at Citibank again to reopen my case and investigate further but I kept getting bounced back and forth between agents and unable to do anything at all. It doesn't make sense to me how a merchant is able to take over {$3000.00} from me fraudulently and Citibank won't do anything about it. If anything, this would be an extremely poor look on the bank as a whole if they aren't able to protect their consumers in this kind of event and give me an appropriate resolution.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief