vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: IL

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 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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-21 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
b'On XXXX I made two XXXX  transfers to purchase auction Lots #XXXX  and #XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX (personal) and XXXX  (business). The XXXX recipient name shown by my bank is XXXX XXXX, which does not match the merchants name. On XXXX the seller provided XXXX  tracking XXXX XXXX XXXX XXXX XXXX XXXX, which has continuously shown Label Created  Awaiting Item (no XXXX acceptance scan). On XXXX the seller promised in writing to refund XXXX if there was no XXXX  movement by XXXX (reply: Yes sir). There was no movement and no refund.\n\nI opened disputes with The Huntington National Bank: #XXXX  ($1,500) and #XXXX ($280). Huntington denied, stating I agreed to XXXX  terms, without addressing: (XXXX) payee mismatch (merchant vs. XXXX XXXX), (XXXX) non-delivery (no XXXX  acceptance), or (XXXX) the sellers written refund promise and breach. A supervisor stated an interbank recall/recovery request was sent to the receiving bank; I requested that my evidence packet be attached and shared with the receiving bank.\n\nInternal bank notes: During a supervisor escalation call, I had XXXX facts added to both Huntington case files: (XXXX) payee mismatch (XXXX XXXX XXXX XXXX XXXX  vs. XXXX XXXX), (XXXX) non-delivery (USPS 9405 Awaiting Item, no acceptance scan), (XXXX) sellers XXXX written refund promise (Yes sir) if no movement by XXXX, (XXXX breach (no refund), (XXXX) address irregularities for the seller (XXXX  vs XXXX), and (XXXX) my regulatory filings (XXXX  Attorney General and XXXX  County DCBA). Huntington reps also told me this was not fraud under Huntingtons standards, but could not provide a written fraud vs. non-delivery policy when requested.\n\nRequested relief: Please direct Huntington to (a) reinvestigate both disputes, (b) re-submit or confirm a XXXX  interbank recall/recovery with the receiving bank with my evidence attached, and (c) provide a written decision that addresses the three core factspayee mismatch, non-delivery (no XXXX acceptance), and the written refund promise and breachfor both case numbers (XXXX  and XXXX). I also request Huntington provide the denial reason code/text, the decision date, and the written policy/definition used to classify this as not fraud.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Our company, XXXX XXXX XXXX XXXX, experienced a sudden and unilateral closure of our corporate checking account with Citibank N.A. on XX/XX/year>, without any prior notice, warning, or written explanation. 

At approximately XXXX XXXX, we accessed our online banking normally. At approximately XXXX XXXX, our access was abruptly and completely blocked without any notification. After losing access, we contacted Citibanks call center and were informed for the first time that our account had been closed unilaterally. 

Citibank provided no written justification, no compliance explanation, and no prior communication regarding the closure. We were further informed that our corporate funds, estimated between USD XXXX and USD XXXX, would only be returned via check, with a processing period of up to XXXX  days. No immediate alternative such as ACH or wire transfer was offered. 

This prolonged withholding of our operating capital is causing severe financial harm to our company, jeopardizing our ability to maintain cash flow, pay suppliers, fulfill contractual obligations, and continue normal business operations. The sudden closure and lack of transparency are inconsistent with fair banking practices. 

We respectfully request the CFPBs urgent intervention to ensure : A written explanation for Citibanks unilateral closure of our account.

Immediate release of all withheld funds via wire transfer to our new corporate account.

Disclosure of the exact closing balance. 

Clarification of the compliance or internal policy basis cited for the closure.

Assurance that Citibank complies with federal requirements for notice, transparency, and fairness. 

Account Information : Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX ABA Routing : XXXX We have attached the following supporting documents : CEO Formal Declaration Estimated Balance Statement Formal Complaint Letter sent to Citibank Screenshots showing the abrupt access block We appreciate the CFPBs assistance and request expedited review due to the urgent financial impact on our business.

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 2025-11-21 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing this complaint because Experian is reporting information that I believe is inaccurate or unverified. I disputed these items with Experian, but they still appear on my report without proper validation. I am requesting your assistance to ensure Experian completes a full and fair reinvestigation. 

The disputed items are : CHARGED-OFF ACCOUNTS AVANT Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX  XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : XXXX These accounts appear incorrect or incomplete, and I request proper documentation. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request proof of permissible purpose. 

LATE PAYMENTS XXXX  XXXX Acct : XXXX XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct XXXX XXXX These late payments appear inaccurate and should be verified. 

I request that Experian remove or correct anything that can not be fully validated in compliance with 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 2025-11-21 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: NC

Complaint narrative:
I am disputing the following information on my Equifax credit report as inaccurate or unverifiable : Charged-Off / Collection Accounts Unauthorized Collection, Account # XXXX Reported XX/XX/XXXX, balance {$41.00} XXXX  XXXX, Account # XXXX Reported XX/XX/XXXX, balance {$4100.00} These accounts are being reported incorrectly. I request Equifax conduct a full reinvestigation and provide proof of account ownership and accurate reporting details. 

Inquiries XXXX, Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me. Please remove it under FCRA 604. 

Late Payments XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX, Account # XXXX Please review and correct these late payment reports, as they are not supported by my payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
I had solar panels installed on my home. I'm currently in the process of closing and the title search advised there is a UCC on my home. The simple thing we thought we had to do call the XXXX management which is the management company that took over Sunnova energy to request a pay off, we would pay off the panels and the UCC would be released. That being said, this hasn't been the case. Myself, title company, real estate agent, title attorney have reached on on numerous occasions via phone call, email and online request and no response. As it relates to dates, we have been trying to get this info from XXXX. We have called, emailed or submitted online request at least every day from XXXX and no response with a pay off letter.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Company : Capital One Bank ( USA ), N.A. 
Product : Credit card I am the owner of a small business that accepts Capital One cards through XXXX  ( XXXX ) and XXXX  ( platform ). I am filing this complaint as the merchant affected by Capital Ones improper handling of a consumer dispute under Regulation Z ( XXXX XXXX XXXX ). 

The Capital One cardholder enrolled their child in my businesss educational program ( XXXX XXXX ) in XX/XX/XXXX. Our signed electronic contract clearly states : Enrollment automatically renews monthly until a XXXX written cancellation notice is received. 

Unused hours are non-refundable and can not be carried forward as credits or make-ups. 

The cardholder never submitted a cancellation request and their child attended XXXX hours of classes in XX/XX/XXXX. 

Despite services being provided, XXXX XXXX accepted a dispute for the XX/XX/XXXX tuition charge of {$270.00}, filed on XX/XX/XXXX XXXXapproximately XXXX  days after the transaction. This is well beyond the XXXX limit allowed under Regulation Z 1026.13 ( b ). 

I submitted complete documentation ( signed contract, attendance logs, and XXXX transaction records ) through the dispute portal, but Capital One reversed the charge within XXXX days citing no services rendered. The decision ignored both the evidence and the clear untimeliness of the dispute. 

XXXX concern : Capital One processed and granted a chargeback after the XXXX deadline and failed to conduct a reasonable investigation as required by 1026.13 ( f ). This deprived my business of payment for legitimate services and caused additional financial loss through XXXX dispute fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-21 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am disputing the following items listed on my Experian credit report. Please investigate these accounts for accuracy and completeness. 

CHARGED OFF No accounts in dispute under this section. 

INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  POSITIVE No accounts in dispute under this section. 

LATE PAYMENTS XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief