vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
Credit bureau is currently reporting a closed account as an open collection with past due balance of {$25.00}. This is inaccurate as the collection agency ( XXXX XXXX XXXX  ) agreed to one-time settlement payment where 90 percent of the balance was paid in exchange for account closure and no further collection activity. Several rounds of disputes have been filed, but they have not corrected the issue thus far. Evidence has been provided to credit bureau of collection agency receiving the past due balance and marking account as Settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked the agent to remove delete dispute addresses that did not belong to me on my report. 
He stated he removed them all at which he did not remove them all. 
I asked that he delete dispute remove all closed accounts that are on my report and inaccurate accounts he did not follow correct Pursuit for everything that i asked that needed to be removed deleted disputed. 
I asked that my account be locked unless Only I ask for it to be unlocked he didnot do as he stated he would. 
He has given me false information as far as not completing my request at which he stated it was all complete. I also sent certified letters pertaining this matter. 
I need ALL that I have asked to be disputed deleted removed. No 2nd or 3rd parties have rights to my personal Information. I don't give consent for 2nd or 3rd parties to get my information or to sell it to others. I really feel discriminated against since these issues were not resolved correctly. According to Section 605b it has to be removed and my personal credit information is confidential.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint against XXXX regarding misleading practices and failure to disclose important information during the setup of my autopay option. 

Date of Credit Card Signup : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA. 
XXXX XXXX : In XX/XX/XXXX, I selected autopay to automatically pay my credit card dues. There was no notification on the app or website that I would be subject to 25-30 % interest on minimum payments. 

Failure to Inform : I was not informed via email or otherwise about the high interest charges. This lack of disclosure violates the Truth in Lending Act ( TILA ), Electronic Fund Transfer Act ( EFTA ), and Unfair or Deceptive Acts and Practices ( UDAP ). 

I contacted CitiBanks support team, client manager, and account manager multiple times but no satisfactory resolution was provided. I requested to pay off the principal balance in full and have the interest removed, but I received no assistance.

The 16-page agreement provided did not adequately explain the interest rates related to autopay or minimum payments, leaving the terms vague. 

Payments Made : Ive paid approximately {$4700.00} to date, yet excessive interest charges continue to accumulate due to the lack of upfront disclosure. 

Legal Violations : CitiBank 's failure to disclose key terms about interest charges during autopay setup likely violates TILA, EFTA, and UDAP regulations. 
Nature of the Dispute : CitiBank charged me 25-30 % interest without proper disclosure during the autopay setup process. None of the autopay options provided on the app or website clearly stated or correlated the interest charge guidelines, nor did they explain how these charges related to the terms outlined in the credit card agreement.

I request CitiBank to remove the excessive interest, and provide a refund for the excessive interest paid. 

Where the Ad Was Seen : XXXX, XXXX, Washington. 

Amount Paid to Date : $ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2025 BMO Credit Card was declined for a {$8.00} transaction at a local grocery store. The day before, the card was used at XXXX for {$50.00}. My credit limit is {$10000.00}, and my current balance is {$170.00}, with an XX/XX/2025 payment due date for my last month 's statement balance. I have been doing really good with making timely loan payments and have XXXX XXXX XXXX with XXXX. 

Since I thought there was some kind of mistake, I immediately called the toll-free number on the back of the credit card and after waiting almost XXXX hour, I finally reached a live person. He told me that per the BMO Consumer Cardholder Agreement page 8, section 18B, they can close the account for any reason. Even though the document listed several derogatory reasons, such as NOT making minimum monthly payments, going over the credit limit or cash limit, or defaulted on any other loans with them, etc. I was not satisfied with that reason and asked to speak to his supervisor, and spoked to XXXX, who reiterated the same reason. 

None of that was the situation for my case. I even asked them to look at when was the last time I was late on making my credit card payment with them and what was my current balance compared to my available credit limit. Apparently it was in good standing because XXXX can not give me any specific valid reason except " We may suspend or close your account for any reason '' was written in their Consumer Cardholder Agreement.

I also lost access to the {$8.00} in earned cash back rewards that I intend to transfer towards offsetting my BMO credit card balance, because they closed my account just because they say they can. Maybe they are using a bad AI or have incompetent risk management team deciding which account poses a risk to the bank 's portfolio of revolving debt account. 

Maybe it is the XXXX  gutting the CFPB under the direction of XXXX Musk, or the banks feeling that the regulators are too worry with what XXXX is going to wreck next, and emboldened to test the limit of how much they can break the law without negative consequences. But it is still wrong and I want the CFPB to know and let the other consumers know to not waste their hard credit pull with a bank that will just cancel your account without any good valid reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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: FL

Complaint narrative:
I HAVE REQUESTED THAT TRANSUNION, EQUIFAX AND EXPERIAN REMOVE THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Accelerated Servicing Group LLC
State: WI

Complaint narrative:
I was contacted by asg recoveries. They said I owe a debt to a pay day loans. I mentioned I filed bankruptcy and it should be on it. They said no these kind of loans don't go away through bankruptcy. I then said ok, send me a letter in the mail and I'll handle it. The operator said they could not do that but once I give a payment method they can send me information via email to eSign. I asked why can't I receive a letter in the mail if I'm agreeing to pay. He mentioned it's the company policy to do it via email. I have voicemails from different numbers but the same person and I just received a voicemail saying they're putting a lien on my truck.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-02 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: DISCOVER BANK
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, which holds entities liable for negligent noncompliance.

Upon reviewing my credit report, I identified the following inaccurate information :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered that my XXXX XXXX XXXX XXXXXXXX account reflects several instances of late payments, which I believe to be inaccurate. I have always made timely payments and have ensured that my account remains in good standing.

Consumer Reporting Agencies play a critical role in maintaining the accuracy of consumer information, and it is essential that all data reported is correct. I would like to bring to your attention that I have never missed a payment on the following XXXX XXXX XXXX XXXX account : XXXXXXXXXXX. This account also has a XXXX balance. 

I kindly request a thorough investigation into these discrepancies. Please provide evidence, such as statements or payment history, demonstrating the alleged late payments. If you are unable to furnish such proof, I ask that you promptly update my account to reflect the true status of my payments as on-time, as I have consistently honored my payment obligations without delay. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was no action taken by the company. In addition to the multiple problem i have with my car, a lower rate was garurenteed and when I was signing my papers a higher loan amount was provided. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes
which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MT

Complaint narrative:
Dear CFPB Officer, I am writing to formally file a complaint against Capital One regarding the sudden and unexplained closure of my Capital One Savor credit card ( last four digits : XXXX ). 

To my astonishment, this account was closed without any prior notice, justification, or communication from Capital One. Even more absurdly, the card was never activated, nor was it ever used or associated with any suspicious or delinquent activity. It was a newly approved account, and I was preparing to activate and use it responsibly. 

I only discovered the closure when I attempted to access my account online. No emails, no letters, no notificationsabsolutely no attempt was made to inform me beforehand. Upon contacting Capital Ones customer service, I received vague and unhelpful answers, with no documentation or reason provided.

This conduct raises serious concerns regarding Capital One 's transparency, customer service standards, and internal risk control mechanisms.

Why this is unacceptable : Lack of Due Process : I was not given any opportunity to respond or resolve whatever concern the bank may have had. 

Credit Reporting Damage : The account closure has been reported as closed by issuer on my credit file, which has already caused a drop in my credit score.

Hard Inquiry Left Behind : Despite never using the card, Capital Ones hard inquiry remains on my credit report, further harming my score.

No Misconduct on My Part : There was no breach of terms, no misuse, and no violation of any kindthis action was completely unilateral and unexplained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 

The following are the items that I would like to be removed from my credit file. 
XXXX XXXX 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 XXXXXXXX Balance : {$4700.00} ; XXXX XXXXXX/XX/XXXX ;

Company response to consumer: Closed with explanation