vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I paid off the loan on XX/XX/year>. I over paid the balance and there is a credit of {$95.00}. I have been trying to get my refund. Greensky stated they processed my credit on XX/XX/year>. I was told I would receive the credit in 30 days. It is beyond 30 days and I'm still getting the runaround. 

I have emails from Greensky promising to send me my credit balance. As of today, I have not receive my refund. 

I need assistance. It should not take this long to return a credit balance. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I need to emphasize that this complaint is not made in error. My credit report contains multiple accounts that are not being reported with maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies are seriously affecting my credit standing and overall financial stability. It has been an ongoing burden and source of stress, and I can not continue to suffer from errors that could easily be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a Citi XXXX XXXX card around XX/XX/XXXX. However, the account was unexpectedly blocked around XX/XX/XXXX. Today, it was closed without any notification. I had received an email from Citi stating that I would receive a credit of the annual fee and XXXX points, but the account was closed today despite this assurance. Citi required me to verify my identity by submitting XXXX XXXX, which I sent twice by priority mail as instructed. Even after providing the requested documents, the account remained closed without further explanation. I believe this was handled unfairly and that I met all verification requirements.

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 2025-11-07 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: TX

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
There is a lot more involved with the transaction this complaint is related to than the options that I was able to select. I purchased a vehicle from XXXX  where they used incredibly high pressure sales tactics to get me to start the purchase of a vehicle during my initial inquiry. After agreeing to the loan and starting the paperwork the delivery transaction was delayed which cheated me out of all of the return guarantees and warranty periods that the vehicle came with. Supposedly the vehicle was professionally inspected and maintained prior to the sale but there is a significant amount of undisclosed damage and neglected maintainece issues which would have halved the value of the car. The vehicle was sold to me with a cracked piston ring which is highly irregular for a vehicle with XXXX miles on it which was the mileage it had when I bought it. The piston ring eventually blew and now the motor to the vehicle is destroying itself. This is evidenced by a failed compression test and unsually high oil consumption. I have {$4000.00} left to pay on an {$18000.00} loan for a vehicle which shows signs of an undisclosed accident repair, interior smoke damage and a variety of other issues such as significant paint damage which was not disclosed, primarily evidenced by an entire section of the engine bay which was chipped away by someone's Texas sized belt buckle. Everything about the entirety of my vehicle transaction is centered around false advertising and an incredible effort to create as much distance between myself and the company when it came to holding them responsible for the poor condition of the vehicle I purchased. From their deceptive public advertising to high pressure sales, the supposed inspection and maintenance documentation provided after the transaction and the effort put forth by the company to evade accountability is why I am filing this UDAP claim because it was all unfair, deceptive, and abusive business practice. They delivered me one of the most disgustingly filthy cars I've ever cleaned two weeks late, tried to deny claims for warranty repair since it needed immediate service and repair and continue to deny any accountability after the piston ring blew and I had to stop driving the car whose supposed " excellent condition '' was supposed to be the main factor behind it's value. I knew the motor was bad the day it was delivered and I checked the first spark plug, but I didn't know how bad it was so I didn't demand they accept a return which would have cost me {$500.00} and a lot fewer headaches down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-11-07 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: PA

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Citicards CBNA is reporting an alleged credit-card account with a {$3300.00} charge-off and {$2300.00} shown as past due as of XX/XX/XXXX. I dispute this reporting as inaccurate and misleading. The record lists a {$2500.00} credit limit and shows the account opened XXXX XXXX XXXX and closed XX/XX/XXXX, but it contains no evidence of any disbursement, payment record, or transaction history supporting the reported balance. Multiple consecutive CO entries appear in the payment history with no explanation. I asked Citicards CBNA to identify the specific act, promise, or value it claims to have provided as consideration and to validate the balance and charge-off figures, but no verification was received. Because these entries are unsupported, I believe the account information is incorrect and must be corrected or removed 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: GA

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, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX  XXXX  XXXX using my Concora Credit card. When my order arrived, several items were missing from the shipment. I contacted The XXXX XXXX, and they confirmed that a partial refund of {$110.00} was issued back to my Concora Credit card. I was advised that it would take XXXX business days for the refund to appear. 

More than a month later, the refund never appeared on my account. I contacted XXXX  XXXX XXXX again and was advised to reach out to my credit card company. 

I opened a dispute with Concora Credit and provided documentation showing that XXXX  XXXX XXXX confirmed the {$110.00} refund. My first dispute was closed because the company claimed they sent paperwork I did not return. I never received that paperwork. 

I opened a second dispute and faxed all documentation again, including receipts and refund confirmation emails. Despite this, Concora Credit denied the claim, stating that the items were delivered and no refund was due. This response misunderstands the issue. My dispute is not about non-delivery of the orderit is about missing items and a refund that XXXX XXXX XXXX confirmed but was never credited back to my card. 

I spoke with a Concora Credit representative last week who assured me that someone would follow up within XXXX business days, but I never received a callback. Today, I received another notice denying my claim. 

I have made every effort to provide proof that a partial refund was due and confirmed by the merchant. Concora Credit has not properly reviewed or understood my documentation or the nature of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
The information reported is not an accurate reflection of my financial practices. Please review and revise my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score.

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilled these inquiries still remain. 
This failure to act is unacceptable. 
The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. 
This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-07 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: MI

Complaint narrative:
I am writing to formally dispute the reinsertion of previously deleted items on my credit report, which appears to be in violation of 15 U.S. Code 16811 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). This section of the law requires that if an item previously deleted from a credit report is reinserted, the consumer must be notified in writing within five business days, including the certification of the accuracy of the information. This account has been removed twice and reinserted twice. To my knowledge, I have not received any such written notification regarding the reinserted items. Specifically, the following items were reinserted : 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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened Capital one business basic checking account ending in XXXX, and they asked for documentation which I provided before opening the account, they accepted all the documents and opened my account, they have a {$1000.00} promotion offer if we deposit {$30000.00} and then perform some of the transactions as they have advertised, I did deposit {$10000.00} the same day of account opening and {$20000.00} yesterday by check using their online deposit system, now because they have to pay {$1000.00} as I am nearing to complete all of their qualifications to get {$1000.00}, they are doing drama and asking for additional documents, why didn't they ask those documents at the time of account opening? 

I would request CFPB to conduct an investigation on Capital one, as their intention is not to pay me {$1000.00} and making excuses, I will have to take this matter to the court as well. 

Please see their email attached, as soon as I deposited {$20000.00} they started asking for more documentation, which they should have asked before opening the account, Its ben over 10 years I am in business relationship with Capital one, and its been one and a half year, I have other checking and business accounts with Capital one. 

I would like to warn the future customers, not to open any more accounts with Capital one, its a bogus company and don't want to pay the {$1000.00} promotion money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, My name is XXXX, and I first want to thank you for taking time to read this letter. Ive had a great experience with Ally Financial, and my goal is to maintain the relationship we've built over the last year. I recently pulled my credit report and discovered I have a late payment that was reported a few months ago. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on time payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency I had good payment history with you all. I would like to request that you apply a goodwill adjustment to remove the late payment mark for my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation