vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
IVE MADE NO CHANGES IN CREDIT HISTORY BUT MY CREDIT IS ON A ROLLER COASTER RIDE WITHOUT ANY CHANGES. FICO DONT CHANGE AT ALL UNLESS I PAY FOR IT BUT EVEN TBEN IT STAYS THE SAME OR HAVE DROPPED WITHOUT ANY CHANGES.

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 2025-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Figure Technologies, Inc
State: TX

Complaint narrative:
o : Consumer Financial Protection Bureau ( CFPB ) Regarding : Complaint about poor service and communication from Figure Technologies , Inc. ( Home Equity Loan Application ) Summary of the Problem : I am filing a complaint against Figure due to poor service and a lack of communication that ultimately led to the cancellation of my home equity loan application. The company failed to process my application in a timely manner and created a situation where it was impossible for me to meet a deadline they set, despite my multiple attempts to contact them. 

XXXX of Events : XX/XX/XXXX : I applied for a home equity loan of {$80000.00} through Figure. 

XX/XX/XXXX : My loan was approved. On the same day, I submitted a request to change the loan amount to {$100000.00}. 

XX/XX/XXXX : I received an email from Figure requesting information for an additional signer, which I promptly provided. 

XX/XX/XXXX - XX/XX/XXXX : Over this period, I repeatedly contacted Figure 's agents via the dashboard chat to check the status of my loan application. On XX/XX/year>, XXXX, and XXXX, the agents consistently provided a vague response, stating that they were " working on it '' and would contact me for the next step. 

XX/XX/XXXX ( Deadline ) : I received an email notifying me that the deadline to complete the loan application was XX/XX/XXXX, and that it would be canceled if not completed by then. 

XX/XX/XXXX ( XXXX PM ) : I received an email asking me to schedule a date for the notary signature. This was just XXXX days before the XX/XX/XXXX deadline. 

XX/XX/XXXX : I attempted to schedule a notary appointment through the Figure dashboard but found that no dates were available for the week of XX/XX/XXXX to XXXX. 

XX/XX/XXXX : I contacted a Figure agent via chat to find a notary date. The agent informed me that, according to Texas law, I should have received the necessary information 7 days before the notary signature. The agent then stated that they would not offer an extended time for the notary signature and suggested I reapply for the loan. 

My Attempts to Resolve the Issue : I made numerous attempts to resolve this issue by proactively contacting Figure 's agents on multiple occasions via the dashboard chat. My inquiries were met with unhelpful, generic responses. When I explained my issue with the notary deadline, the agent 's suggestion to simply reapply for the loan was unacceptable given the amount of time I had already invested and the poor service I had received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. These errors include names, employment, and phone numbers that do not belong to me, as well as multiple hard inquiries that I did not authorize. 

In addition, XXXX XXXX XXXX XXXX has reported an account and/or inquiry in my name without my knowledge or consent. This account is related to identity theft/fraud where I have contacted the credit union and they could not do anything about what happened. I also have reason to believe certain accounts or debts may have been sold or assigned to third-party entities without my authorization or knowledge. I have not received any lawful notice or validation of such transfers. 

XXXX  XXXX is also reporting an inaccurate balance on an account that has already been settled in full. I confirmed directly with XXXX XXXX by phone that the account was settled, yet my credit report continues to show an outstanding balance. 

I filed an Identity Theft Report with the FTC ( Report # XXXX ) and sent dispute letters to all three credit bureaus, invoking my rights under the Fair Credit Reporting Act ( including 15 U.S.C. 1681c-2 ) to block fraudulent information. I also requested verification and documentation of any alleged debts or assignments as required under the FCRA and FDCPA. 

Despite providing proper documentation, the inaccurate, fraudulent, and potentially unauthorized items remain on my credit reports. This continued reporting will violate my rights under the FCRA if more than XXXX business days have passed.

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 2025-08-03 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. These errors include names, employment, and phone numbers that do not belong to me, as well as multiple hard inquiries that I did not authorize. 

In addition, XXXX XXXX XXXX XXXX has reported an account and/or inquiry in my name without my knowledge or consent. This account is related to identity theft/fraud where I have contacted the credit union and they could not do anything about what happened. I also have reason to believe certain accounts or debts may have been sold or assigned to third-party entities without my authorization or knowledge. I have not received any lawful notice or validation of such transfers. 

XXXX  XXXX is also reporting an inaccurate balance on an account that has already been settled in full. I confirmed directly with XXXX XXXX by phone that the account was settled, yet my credit report continues to show an outstanding balance. 

I filed an Identity Theft Report with the FTC ( Report # XXXX ) and sent dispute letters to all three credit bureaus, invoking my rights under the Fair Credit Reporting Act ( including 15 U.S.C. 1681c-2 ) to block fraudulent information. I also requested verification and documentation of any alleged debts or assignments as required under the FCRA and FDCPA. 

Despite providing proper documentation, the inaccurate, fraudulent, and potentially unauthorized items remain on my credit reports. This continued reporting will violate my rights under the FCRA if more than XXXX business days have passed.

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 2025-08-03 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
A XXXX XXXX credit card was fraudulently opened in my name by Comenity Capital Bank on XX/XX/year> without my knowledge, with a bogus address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, the last XXXX digits of the account was XXXX. 
I never received a XXXX credit card and an application form was never filled out with an apparent credit limit of {$7500.00} with charges of {$420.00} placed on the card. After nonpayment the account was transferred over to XXXX XXXX XXXX account number ( XXXX ). 
We have received numerous requests for payment with late fees are shown to be accruing monthly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
After receiving a mailing from the company, I reached out to them and informed them that I never opened up a charge account with their company and this was a product of identity theft I sent them a police report number so they can look up the police report to see that it was identity theft but they reported it to my credit report and now its damaging my credit report and I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Contracted with XXXX XXXX XXXX to provide packing and moving services. Paid {$3500.00} on credit card. No services were provided. Disputed charge which was paid by Capital One. Capital One stated service was provided and dismissed my dispute and stated I was responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Follow-Up on CFPB Complaint # XXXX Equifax Noncompliance with FCRA XXXXo Whom It May Concern, This is a formal follow-up to CFPB Complaint # XXXX, originally submitted on XX/XX/scrub> 2025, against Equifax. As of XX/XX/year>2025, more than 30 days have passed without a final resolution or lawful reinvestigation of the disputed tradelines listed in my complaint. This delay constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Legal Violations Committed by Equifax : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to complete a reinvestigation within 30 days of dispute receipt 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete information that could not be verified 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681b ( f ) : Continued reporting of unverifiable data constitutes impermissible use of consumer information 15 U.S.C. 1681n / 1681o : Subject to civil liability for willful or negligent noncompliance with the FCRA Failure to Provide Required Documentation : In my initial dispute, I formally invoked my rights under the FCRA and requested Equifax provide all documentation necessary to verify the accuracy and ownership of the reported accounts, including : The original signed contract bearing my wet ink signature The flow agreement showing lawful authorization to furnish data A valid bill of sale or assignment of debt Proof of chain of custody for any transferred account Complete contact details for the original creditor Equifax has failed to provide any of this documentation within the statutory 30-day reinvestigation window. As a result, the accounts are now legally unverifiable and must be permanently deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
Filed disputed multiple times with 3 bureaus over the course of the last three months. Information has not changed or been updated accurately, furthermore when I refresh my credit scores across all 3 bureaus it will not show me accurate report information. My consumer report is over 2 months outdated and these private companies are not reporting information on my consumer report accurately via metro 2 compliance system.

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 2025-08-03 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-08-03 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: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
-XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) /BALANCE $ XXXXDATE OPENED : XX/XX/XXXX -XXXX  ( XXXX XXXX XXXX ) /BALANCE $ XXXXDATE OPENED : XX/XX/XXXX -XXXX/BALANCE $ XXXXDATE OPENED : XX/XX/XXXX -XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) /BALANCE $ XXXXDATE OPENED : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday, XX/XX/year> at XXXX PM, I attempted to withdraw money from a BMO ATM located in front of the XXXX XXXX branch. The transaction was declined. I called BMO the next morning to verify that it was me who attempted the withdrawal, and I was told the issue was resolved. I informed the representative that I planned to visit the branch to withdraw a larger amount and was told I would have no problem doing so. 

Later that day, I visited the branch to withdraw {$8500.00} from a legitimate insurance direct deposit. Instead of honoring the withdrawal, the branch manager refused and escalated my account into a fraud investigation, freezing over {$14000.00} of my funds without warning or explanation. 

I was told someone would contact me within XXXX hours, but that was a Friday, and the bank is closed over the weekendrendering that promise meaningless. When I followed up, I was told the fraud investigation could take 30 to 90 days, during which time I would have no access to my funds. 

I have since filed a formal complaint with the bank ( Case # : XXXX ), citing discriminatory treatment based on my background and circumstances. I verified my identity, provided documentation, and acted in full transparency. There is no fraud, and no valid reason for this extreme delay 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 non-monetary relief
Consumer complaint received 2025-08-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization or permissible purpose should appear on my credit report. I am requesting that you promptly investigate and remove this unauthorized inquiry from my credit profile.

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 2025-08-03 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization or permissible purpose should appear on my credit report. I am requesting that you promptly investigate and remove this unauthorized inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, someone used my j for to obtain goods that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? It's no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. court in my area. This is my warning. I demand you to delete these items at once.

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