vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
Hello! BMW Financial Services is reporting two 30-day late payments for my XXXX XXXX XXXXXXXX ( XX/XX/XXXX and XX/XX/XXXXXXXX  ). These payments posted late due to a documented insurance delay after the vehicle was involved in an accident. The insurance company delayed the payout, and the payments posted on the XXXX day. This was an isolated timing issue unrelated to financial hardship, and I paid off the loan in full shortly afterward. Moreover, as of XX/XX/XXXX, XXXX the XXXXXXXX XXXX has been fully paid off and it will be shown in the attached documents under the XXXX Dispute Docs. 

I have financed or leased XXXX XXXX vehicles and have never had a late payment in my life outside of this one documented situation. These two marks have created significant and disproportionate consequences, including a bank holding {$100000.00} of my operating funds, higher business credit costs, and requiring a co-signer to avoid losing a {$120000.00} home deposit. My company employs 70 people and is currently building XXXXXXXX XXXX ft of commercial projects, so credit access is critical to operations. 

I requested a goodwill adjustment from XXXX based on the documented circumstances and perfect history, but the request was denied at the customer service level. All of the documents and timestamps are indicated on the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I had multiple late payments reported on my Apple Card that were caused by a subscription that continued billing an older Apple ID/old device without notifications. I was not aware of the charges because they were tied to my old Apple ID, so I did not receive alerts or statements. 
Once I discovered the issue, I made multiple payments ( XXXX, XXXX, XXXX ) and believed the problem was resolved. Unfortunately, the subscription continued to bill through the old Apple ID and caused another late payment in XXXX. These late payments were not intentional and were a result of a technical issue between the subscription and the Apple ID/device transition. 
I contacted Apple Card/Goldman Sachs and requested a XXXX  adjustment. A backend case is being reviewed, and Im submitting this complaint so the late payment reporting can be reviewed accurately and corrected appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-19 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: TX

Complaint narrative:
Capital One closed my credit card account due to a single returned ACH payment. This payment issue was an error and has been resolved. The payment was not fraudulent, and the bank account used was mine. I asked Capital One for reconsideration, but they told me the account can not be reopened without providing a detailed explanation of why. 

I am requesting a full review of the adverse action and a clear explanation for the closure. I would like reconsideration so that my credit card account can be reopened. 

Capital One charged the wrong bank account, causing the payment to be returned. This was not my error or fraudulent activity. 
Because of this mistake, Capital One closed my credit card account for inconsistent usage, even though the transaction issue was on their end. 

My requested resolution is for Capital One to reopen my credit card account with the same terms and limit, since the returned payment was not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MA

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 2025-11-19 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NJ

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXX XXXX XX/XX/2025 Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing to formally notify you that, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all communication with me regarding any alleged debt you claim I owe {$1500.00} Under this federal law, once a consumer notifies a debt collector in writing to stop contacting them, the collector must cease communication except for the following limited purposes : * 1. To advise that further efforts to collect the debt are being terminated ; * * 2. To notify the consumer that the collector may invoke specified remedies ; or * * 3. To notify the consumer that the collector intends to invoke specified remedies.

* Aside from these exceptions, you are legally prohibited from contacting me in any form, including but not limited to telephone calls, text messages, emails, letters, or communication through third parties. 
Please also note that any failure to comply with this request may constitute a violation of the FDCPA, and I reserve the right to pursue all available legal remedies, including reporting your conduct to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and seeking civil damages as permitted by law.

This request does not serve as an admission of liability for any alleged debt. 
I expect written confirmation that you have received and will comply with this cease and desist demand. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I filled this complaint XXXX on XX/XX/XXXX  to complain that I asked Goldman Sachs to proof that I signed with them actually Ive been asking since begging of XXXX through message and phone to 1. Produce complete and verifiable proof ( including electronic signature records, IP logs, device metadata, audit trails ) that I authorized them to open this account under my name with the wrong SSN 2. Immediately cease all reporting and collection activity related to this matter. They keep reporting my name with the wrong SSN to XXXX, XXXX  and XXXX  3. Provide written confirmation I already sent them. Physical letter tracking number XXXX XXXX asking that to their adresss lock box XXXX XXXX XXXX XXXXXXXX XXXX because they reported my name with the SSN that is not mine and after all that the only thing they sent to me it was a copy of the Apple Card customer agreement without my signature and 6 month statement history so again Id like to ask them to proof that I was the one authorizing them to open this account with my name and the wrong SSN, if they can not provide this proof please stop to report my name with the wrong SSN to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I am disputing several hard inquiries on my Experian credit report that I did not authorize. These inquiries do not correspond with any applications for credit made by me. In compliance with the FCRA, I request that you investigate these inquiries and remove any that can not be verified as authorized. 

The unauthorized hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide documentation from each creditor proving that I authorized these inquiries. If such documentation can not be produced, these inquiries must be removed immediately. 

Please notify me in writing of the results of your investigation.

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 2025-11-19 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Madison Management Services, LLC
State: VA

Complaint narrative:
My second mortgage originated in XXXX with XXXX XXXX XXXX. I made regular payments of {$870.00} and XXXX issued monthly statements and mortgage interest statements ( Form 1098 substitute ) confirming my payments for XXXX and XXXX. XXXX applied payments and reported {$6800.00} in interest to the IRS. 
When XXXX collapsed after the XXXX bankruptcy, my loan was transferred several times ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX During these transfers, the full servicing history from XXXX was not transferred, and later servicers received only partial electronic data. 
Because of this data loss, from XXXX forward my account was treated as if I had not been making payments, even though XXXX had accepted and credited them. 
In XXXX, Note Resolutions/XXXX XXXX XXXXXXXX created a {$79000.00} deferred arrears balance during a modification. This was based on missing historic records, not verified arrears. The modification also created a separate active balance of {$77000.00}. 
Madison Management Services later reclassified this deferred amount as Unpaid Charges/ Deferred Loan Balance, which now totals {$80000.00}, even though no servicer can provide a full payment history or any documentation showing that I actually owed this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Statement : Victim of Data Security Breaches XXXX, XXXX Data Breach XXXX XXXX  Data Breach XXXXXXXX XXXX XXXXXXXX The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Greetings, On XXXX XX/XX/year>, I went to the OneMain Financial business located in XXXX, MD to finalize and electronically sign my loan disclosures and pay off the open loan. 

The open loan had a balance of {$11000.00} as of XXXX XX/XX/year>XXXX  with an APR of 24 %. 

Yet, I was charged an XXXX XX/XX/year>XXXX  payoff quote for {$12000.00}. 

XXXX x 24 % / XXXX does not equal {$12000.00} for a 5-day payoff quote.

Additionally, I would like to report that I was not provided my electronic loan documents to my existing email address and prevented from accessing my OneMain Financial account since XXXX XX/XX/year>. I made two attempts ( yesterday and this morning ) to access my loan disclosures. 

OneMain Financial is engaging in unfair, deceptive, and discriminatory business practices. 

I would like to bring this to CFPB 's and other appropriate authorities ' attention to get justice for me and any other consumer being harmed by OneMain Financial 's unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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