vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: ME

Complaint narrative:
On or around XX/XX/XXXX a dispute was filed by myself to the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX major credit bureaus to resolve a negative late payment showing on my credit report. The very legitimate & reasonable request was due to the long standing GOOD history of the account & all other accounts associated with this company that never before or after the pandemic ( COVID19 ) of XXXX has there been any late or delinquent payments associated with my accounts of any kind. This happened as a result of shutdowns, technological problems in the system & companies looking to benefit extra income at the expense of clients/consumers. Further review of this account in question will show the only negative inquiry on my report happened during this pandemic period, which was paid & showing a successful payment on my end however subsequently not being reflected on the company end. This I blame on a technological complication that was never considered buy the company. Due to the long GOOD standing history of my account I pleaded to be forgiven by having this item removed from my credit report permanently to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: ME

Complaint narrative:
On or around XX/XX/XXXX a dispute was filed by myself to the company XXXX XXXX XXXX XXXX XXXX the 3 major credit bureaus to resolve a negative late payment showing on my credit report. The very legitimate & reasonable request was due to the long standing GOOD history of the account & all other accounts associated with this company that never before or after the pandemic ( COVID19 ) of XXXX has there been any late or delinquent payments associated with my accounts of any kind. This happened as a result of shutdowns, technological problems in the system & companies looking to benefit extra income at the expense of clients/consumers. Further review of this account in question will show the only negative inquiry on my report happened during this pandemic period, which was paid & showing a successful payment on my end however subsequently not being reflected on the company end. This I blame on a technological complication that was never considered buy the company. Due to the long GOOD standing history of my account I pleaded to be forgiven by having this item removed from my credit report permanently to no avail.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
On XX/XX/year>, I was informed that Charles Schwab intends to close my bank account. This account is the designated deposit account for my Social Security XXXX ( XXXX ) payments. I have an upcoming XXXX payment scheduled to be deposited on XX/XX/year>. Closing the account before this deposit could result in my payment being delayed, misrouted, or inaccessible. 

I was contacted by a Charles Schwab on XX/XX/year> to discuss the account closure. The representative confirmed that the closure is due to a business decision, but I was not provided any further explanation. My account is in good standing, and I have complied with all requirements. I am concerned that this closure, particularly given the timing of my XXXX payment, could put my funds at risk. 

I request that the account remain open at least until I receive this upcoming payment to ensure uninterrupted access. I have also provided documentation showing that these are federally funded XXXX payments to reinforce the urgency of maintaining access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-22 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: LA

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 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 2025-09-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington was supposed to fix credit but never did but kept charging me every month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
This is a formal request for correction and removal of the inaccurately reported late payment. I have consistently met my payment obligations, and this negative entry is a mistake that causes unjust harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am disputing the validity and priority of a Home Equity Line of Credit ( HELOC ) lien placed on my property. The core issue is the company 's failure to identify a pre-existing, senior lien before originating my loan. 

Here is a timeline of key events : XX/XX/XXXX : A senior lienholder perfected a first-priority security interest in the property, which was filed as a public record with the appropriate state agency. 
On or about XX/XX/XXXX : The company originated the HELOC and recorded a lien against the property. The company 's actions indicate it failed to discover the senior lien during its title search prior to this date. 
After XX/XX/XXXX : The company established a credit line and has since reported a significant debt balance arising from this account. 
XX/XX/XXXX : I have just sent a detailed formal dispute and demand letter to the company 's legal department via email. The letter outlines the legal basis for the dispute, including the prior-perfected lien, and demands rescission of the agreement, release of the lien, a full accounting, and a refund of all payments. 
The company 's failure to conduct a competent title search has created a disputed debt and an invalid, subordinate lien on my property. I am bringing this to the CFPB to ensure oversight as I attempt to resolve this directly with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-09-22 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: Upstart Holdings, Inc.
State: AL

Complaint narrative:
beginning in XXXX of XXXX, Experian, Equifax and Transunion started listing XXXX accounts on my credit file that were not mine and have thus far, refused to remove them. The accounts are XXXX XXXX for {$3700.00} ), ( Upstart/XXXX for {$4900.00} ), ( XXXX XXXX for {$500.00} ), ( XXXX XXXX XXXX. for {$130.00} ). I have repeatedly asked them to remove them and thus far they have refused. I have filed a complaint with the F.T.C, pulled a credit report on myself and noticed different addresses and variations of my name listed. I alerted all three credit agencies and they have failed to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: ND

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 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has mishandled my auto loan. Even though I have been on auto-pay and have not had a late payment in over two years, they have unfairly increased my payoff amount and extended the term of my loan. This practice is harmful, misleading, and has compounded financial injury.

I want my loan balance immediately corrected to reflect my true payment history, all improper charges removed, and confirmation that no additional extensions or costs will be imposed on me due to Capital Ones errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank closed my account on XX/XX/year>. I have been a customer, in good standing, for almost XXXX XXXX I have been actively using, and paying on, my account during these XXXX XXXX. On XX/XX/year>, I tried to use my card at a store, but it was declined stating " Account Closed ''. Obviously, this was strange to me, so I called to find out why. I spoke with XXXX different representatives, XXXX of them being a supervisor, and they both told me that my account was initially closed " XXXX or XXXX XXXX  ago '', then " reopened in error '', so they discovered the error and permanently closed my account on XX/XX/year>. Neither representative could give me a reason for why it was initially closed. I asked both the phone representatives, as well as online representatives to please reopen my account, but they refused to do so. They still expect me to pay my balance in full. I told them that I would be more than happy to continue paying on my balance, if they would reopen the account, again they refused, with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXXExperian XXXX XXXX XXXX, TX 7XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Experian Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows: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 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There are charges of {$680.00} on my statements since XXXX XXXX, XXXX plus interest charges each month. I did not make there purchases and have had phone conversations with them and all I get is " we are working on it ''. On XX/XX/XXXX and XX/XX/XXXX I sent letters to Bank of America XXXX XXXX XXXX requesting a resolution with no response to either letter. The charges in dispute are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$58.00} XX/XX/XXXX XXXX XXXX # XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$54.00} XX/XX/XXXX XXXX XXXX # XXXX {$26.00}

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 monetary relief
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am disputing the late payment entry that appears inaccurately on my credit file. This information is false and does not align with my established pattern of timely payments. Its continued presence is damaging to my credit profile and must be 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 2025-09-22 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: NY

Complaint narrative:
XXXX {$24000.00} XX/XX/XXXX, XXXX XXXX {$11000.00} XX/XX/XXXX, XXXX XXXX XXXX, XXXX. {$24000.00} XX/XX/XXXX XXXX an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

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 2025-09-22 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: NY

Complaint narrative:
XXXX {$24000.00} XX/XX/XXXX, XXXX XXXX {$11000.00} XX/XX/XXXX, XXXX XXXX XXXX, XXXX. {$24000.00} XX/XX/XXXX XXXX an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
On XXXX and XXXX, I applied for auto financing at XXXX XXXX XXXX, Ga and XXXX XXXX ( XXXX XXXX ) XXXX XXXX, GA. My application was shopped to multiple lenders, resulting in XXXX hard inquiries on my Experian/Equifax report XXXX 

Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer report may only be obtained for a permissible purpose. I requested that XXXX provide documented proof of permissible purpose for each inquiry, the signed application/authorization or e-signature consent record with timestamp. To date, I have not received documentation showing my express authorization for these lenders to access my report.

If the reporting company can not produce the actual signed authorization ( wet or electronic ) for each inquiry, the inquiries are unverifiable and must be removed pursuant to FCRA 611 ( 15 U.S.C. 1681i ) reinvestigation requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account with Capital One with XXXX cards. A personal ( XXXX ) and a business ( XXXX ). My business bank account changed bank account numbers twice over the summer and I had a few returned payments due to having outdated information and also having auto-pay set up. Capital One then closed my account with both cards immediately with no explanation even though I've never had any issues with my personal card payments. I called and they explained I needed to make a successful payment and then wait XXXX XXXX to request my account be reopened. When I did so, they told me that was false information and that the account was permanently closed.

Company response to consumer: Closed with explanation