vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I originally got an auto loan from one main financial for under {$8000.00} in XXXX. Through out the years Ive gotten XXXX small loans totaling XXXX XXXX total. They told me it would be added to the back end of my loan. Well come to today when my car has issues and I go to trade it in and the dealer shows me on paper work multiple loans out from one main financial, here every time I got a loan which was XXXX times not sure exactly which was supposed to be tacked onto my auto loan. They paid off my current loan and started a new loan each time without my knowledge that they were doing that and added the new amount to my existing amount making my interest even more and ultimately robbing me, so even though Ive been paying on my car for XXXX  years since I got a small loan from them that they claimed was tacked onto my current loan my whole loan restarted and Im only XXXX years into payments. My current pay out amount is XXXX XXXX right now when i have no idea how that is possible when ive borrowed maybe XXXX XXXX from them in total and ive been paying XXXX  years! They rob their customers and give them false information on additional loans making them think theyre just adding it to their current loan when in reality they are paying off their current loans and restarting new ones!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my direct deposit from my employer was not processed due to a closed account. I have 2 accounts, one ending in XXXX ( open and active ) and XXXX ( closed account ). The correct direct deposit information was given to my payroll department. On XX/XX/XXXX, XXXX XXXX payroll company sent an email stating " Your recent direct deposit request has been confirmed by your financial institution. This account will now be used for future payments. '' On XX/XX/XXXX at XXXXXXXX XXXX I received an email from Capital One stating " State of XXXX  tried to deposit money into your account. Unfortunately, we couldn't complete this transaction because this account is closed. Please contact them to reprocess this transaction with another account. Amount : {$1000.00} Account : ... XXXX. XXXX This is the closed account. I called and was told I have to wait 45 days for the dispute. I can't wait 45 days. Are they crazy. I can have my home foreclosed on. I am behind as is and don't need any help with struggling. I think I have had enough blows to the head with the state of this world. I need food, dog food, and other items to survive. I had no other choice but to make payments from the routing and account numbers to pay some bills. They should not dare charge me any fees and let the payments go through until this is resolved. I refuse to have no lights or water for their error. My mom had XXXX  away on XX/XX/XXXX and I am alone now. I have no one I can ask to borrow money. I have pawned all I had to pay bills after she passed to keep the home she left me. I have nothing. Is 45 days allowed? What about the FDIC Deposit Insurance? Please help me. I would be so grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate and inconsistent reporting of my XXXX XXXX auto loan account ( # XXXX ) across the XXXX major credit bureaus : XXXX, XXXX, and Equifax. There are several critical discrepancies affecting my credit profile. First, the account open date is reported differently XXXX  lists XX/XX/XXXX, while XXXX  and Equifax report XX/XX/XXXX. The loan term is correctly listed as 75 months with XXXX  and XXXX, but Equifax inaccurately reports it as 0 months. The Date Last Active varies across bureaus : XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and Equifax lists XX/XX/XXXX. Likewise, the Date of Last Payment is listed as XX/XX/XXXX with XXXX  and XXXX, but Equifax reports XX/XX/XXXX. Additionally, Equifax includes comments such as Auto, Fixed Rate, while XXXX  and XXXX  leave the comments section blank, creating inconsistency. 

Most importantly, all three bureaus report a 30-day late payment in XX/XX/XXXX, which I believe is inaccurate. I am requesting that the CFPB place specific emphasis on this reporting and require that the data furnishers or credit bureaus provide documented proof that this payment was in fact late, including original statements, account ledgers, or verified billing records. If they are unable to verify the accuracy with proper evidence, I request that the late payment entry be permanently removed from all three credit reports in compliance with the Fair Credit Reporting Act ( FCRA ) Section 611, which requires deletion of unverifiable information. 

This inaccurate reporting has already negatively impacted my credit profile. I was recently denied credit by a major lender, and the denial letter cited derogatory remarks related to this auto loan. My score has dropped due to this error, affecting my ability to access new credit, refinance existing debt, and move forward with personal financial goals. These reporting errors are causing unnecessary stress and financial harm. I respectfully urge the CFPB to investigate these discrepancies and ensure the credit bureaus and furnishers comply with federal law in providing accurate and fully verifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
Experian, Transunion & Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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 2025-04-19 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: PA

Complaint narrative:
Experian, Transunion & Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to investigate the disputes I have submitted. On XX/XX/year>, I sent a dispute letter to Equifax requesting that they investigate certain inaccuracies on my credit report, and I followed up with another dispute letter on XX/XX/year>. Despite providing all necessary documentation, I have not received any correspondence from Equifax acknowledging or addressing these disputes. 

As a consumer, I have the right to know what is on my credit report, and I am entitled to have any inaccuracies investigated, validated, and either corrected or deleted. Equifax has failed to fulfill this legal responsibility by ignoring my requests for investigation. This lack of response is a violation of my rights under the law. 

I am requesting that the CFPB investigate Equifaxs failure to properly address my disputes and ensure that my rights are protected. 
XXXX XXXX - XXXX - I do not recall ever being late on this account and they have not supplied a date that I was. Please update to NEVER LATE XXXX  - XXXX - I do not recall ever being late on this account and they have not supplied a date that I was. Please update to NEVER LATE XXXX - XXXX - I do not recall ever doing business with this company and they have yet to prove that I did. Please DELETE from my report XXXX XXXX XXXX XXXX - The late payments are reporting incorrectly across all three bureaus, suggesting a billing error. Please update to NEVER LATE XXXX XXXX  - XXXX - The late payments are reporting incorrectly across all three bureaus, suggesting a billing error. Please update to NEVER LATE XXXX - XXXX - This account is reporting with multiple errors including the Dispute Status, Last Activity Date, Last Reported Date and Date of Last Payment. Please update to NEVER LATE XXXX - XXXX - Please DELETE from my report The following accounts have major billing errors. The late history does not make sense and I have asked for information that they have not not supplied. Please DELETE the following accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On Friday, XX/XX/year>, I received an email from Frost Bank stating I opened a checking account and the account was set up to receive money with XXXX. I then received XXXX emails stating that the requests to send money via XXXX were completed. On Saturday, XX/XX/year>, I called Frost Bank and informed the representative that I may have been a victim of fraud. I gave the representative my first name, maiden name, and my email address. The representative confirmed that a checking account was opened online. I informed the representative that the account was fraudulent and asked that it be closed immediately. The representative stated they would put in a request and get their fraud team involved.

Im satisfied with the steps to get the account closed but the bank should not allow an account to be opened online without some type of picture identification. This makes it easier for fraudsters to open accounts with another persons credentials. Now I have to go through the process of reporting fraud to the credit bureaus, put a freeze on my credit, and file a police report. Whos to say that the person that stole my identity wont open another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
have asked severals times to remove this account from my credit bureaus and still saying its mine and i have never had any of the accounts. i have not applied or gave them autorization to give anyone credit in my name the 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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: FL

Complaint narrative:
AceFlare let my account get hacked and instead of taking up for their long term customer they let the thief have my money. They let the thief or fraudster take all my XXXX check. I faxed them everything they asked for ; proof of my XXXX and XXXX records showing I was in the XXXX  during the time they claim these transactions were made by the thief/fraudster. They have no care that they made me homeless and can't pay my rent now because they gave my money to the fraudster/thief who hacked my account.

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 2025-04-19 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: FL

Complaint narrative:
Heres a summary of whats potentially wrong with the report for Account # XXXX * * * * XXXX. Conflicting Account Status : TransUnion shows the account as Derogatory with comments about a repossession. 
Experian shows the account as Paid and Current, with similar repossession notes. 
Having Paid status but derogatory remarks like repossession can be misleading and hurt your credit score even though the balance is {$0.00}. 

XXXX. Inconsistent Payment Status and Comments : Payment Status : Current contradicts the repossession comments.

If the vehicle was redeemed and paid, the derogatory comment about repossession may need to be updated or removed to reflect the account was settled positively. 

XXXX. Outdated Reporting : The last reported date for TransUnion is XXXX, which may suggest outdated or stale reporting. 
XXXX  shows a more recent update in XXXX, which might cause inconsistency across bureaus.

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 2025-04-19 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SELF EMPLOYEE XXXX XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} Chargeoff XXXX  XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late/Open XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Late/Open XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Late/Open XXXX  XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$80.00} Late/Open XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$9300.00} Late/Open

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I sent the indentiy theft report also letter stating I want everything related to the case including items bought address where items delivered atms wet signatures and more none was provided just a letter stating when they charged off there wasn't a identity theft in placed and they tried to contact me in contract they had a right to sell to other debt collectors. Where's the proof I want all the evidence that I used this amount of debt if not I want this deleted of my account not just saying it's verified with no paperwork behind it I want all of it.

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 2025-04-19 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: FL

Complaint narrative:
Equifax claims on its website that it provides a process for disputing inquiries on credit reports. However, this claim is misleading because, in practice, they fail to properly investigate or resolve these disputes. Despite submitting evidence and following their procedures, unauthorized or fraudulent inquiries remain on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

When attempting to dispute these inquiries, Equifax responds with generic excuses, stating that inquiries are 'factual records ' without conducting a meaningful investigation. This lack of action leaves consumers vulnerable to potential identity theft and harm to their credit standing, all while receiving no real support or resolution. 

It is critical that agencies like Equifax be held accountable for their inaction, and regulators such as the CFPB and FTC must intervene to ensure compliance with legal obligations. Consumers deserve transparency and real solutions, not empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
XX/XX/XXXX A medical debt of {$1000.00} was placed for collection by the original creditor. 
XX/XX/XXXX TransUnion received and reported the collection tradeline. 
XX/XX/XXXX Equifax received and reported the collection tradeline. 
XX/XX/XXXX Experian received and reported the collection tradeline. 
No written notice or bill was sent to the consumer before placement in collections.

The consumer submitted a debt validation request under FDCPA 809, but the collector provided no supporting documentation.

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 2025-04-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
We did not receive the settlement for Lexington ton law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My credit was run and I received an email saying I would get a card in the mail, but I never applied for anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: VA

Complaint narrative:
" My personal and financial information was compromised violating FERPA. This data breach is a CLEAR violation of FERPA ( FERPA Act U.S Code Title 20, Section 1232 ). My private account information is no longer being private nor secure, which is your responsibility to SAFEGUARD my information. I request full cancellation of debt.

Company response to consumer: Closed with explanation