vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian has reported inaccurate and derogatory information on my credit report and has failed to conduct a reasonable reinvestigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681n/o. These violations have caused me financial harm, emotional distress, and loss of credit opportunities. 

I obtained a copy of my credit report from Experian and discovered inaccurate, derogatory, and unverifiable accounts. 

I sent formal disputes to Experian identifying the inaccurate items and requesting deletion or correction. 

Experian responded, but the items remained unchanged. No documentary proof, method of verification, or furnisher contact information was provided as required by the FCRA. 

I sent follow-up correspondence, again requesting compliance. Experian continued to report inaccurate information. 

I filed a civil suit in XXXX XXXX XXXX XXXX XXXX seeking damages for FCRA violations. 

Inaccurate Accounts Reported XXXX  XXXX ( XXXX ) Showing late payments that never occurred. 

XXXX XXXX XXXX XXXX ( XXXX ) Incorrect payment history. 

XXXXXXXX XXXX Inaccurate reporting despite never being late.

Violations of Federal Law 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681g ( a ) ( 2 ) : Failure to provide the name, address, and telephone number of the furnisher of the disputed information.

15 U.S.C. 1681n & 1681o : Civil liability for willful or negligent noncompliance. 

Impact on Me : Denial of credit and financing opportunities. 

Higher interest rates on approved credit. 

Emotional distress and reputational harm.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One credit card with a {$1000.00} limit. I disputed a charge of approximately {$900.00} from XXXX XXXX XXXX. On XX/XX/XXXX, the merchant refunded {$560.00} directly to my account, and the refund posted. However, Capital One has not released that {$560.00} to my available credit, even though that portion is no longer in dispute. 

Multiple representatives and a supervisor confirmed they will continue to hold my entire credit line until the full dispute is resolved, which could take weeks, despite the fact that part of the amount has been refunded and is not in question. They refuse to provide this in writing or adjust the hold, which is preventing me from accessing my available credit without justification. 

I am requesting that Capital One immediately release the refunded portion of my available credit and update their dispute handling process to comply with fair credit access practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
A car in reporting on my report I never had a License to buy or drive a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I opened an account with First Horizon Bank on XX/XX/year>. The promotion was {$450.00} bonus when you direct deposit {$2000.00} within the first 90 days of opening account. I completed this and had well over that amount direct deposited from XXXX XXXX, which only offers payment via direct deposit. Only XX/XX/XXXX I contacted support asking when I would receive my bonus as I knew I had met all the requirements. Support even stated I had met the deposit requirements when they replied and that I should be getting my bonus in 10-15 business days. I contacted support again after I didnt receive the bonus within that time and this time was told I didnt meet the deposit requirements. I met all the requirements and First horizon bank is now refusing to honor the {$450.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and61.

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 2025-08-11 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: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an auto repossession account being inaccurately reported on my credit report due to identity theft. I did not authorize or open this account, nor was I involved in any transaction that would have resulted in this auto loan or repossession. This account is the result of identity theft, and I am not liable for any balances or activity associated with it. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that this fraudulent account be : Permanently deleted from my credit file.

Blocked from reinsertion unless verified by certified documentation.

Marked clearly as identity theft/fraudulent to prevent future confusion or damage to my credit profile. 

Enclosed Documents : A copy of my FTC Identity Theft Report ( or police report ) A copy of my government-issued ID Proof of residency Please conduct a thorough reinvestigation within the legally required 30-day timeframe, and send written confirmation once the investigation is complete and the account is removed.

Thank you for your prompt attention to this serious matter. If you need further information, feel free to contact me at the information above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MA

Complaint narrative:
In XX/XX/2023, I submitted an official opt-out request to LexisNexis to prevent them from collecting or sharing my auto insurance claims data. Despite this, LexisNexis continues to report inaccurate and unauthorized accident information on my consumer file. 

Some of the accidents being reported are unrelated to me, were no-fault, or are tied to family members and other insurance policies I am not associated with. This information does not belong on my report and has never been authorized for use or sharing. 

I have a perfect driving record in Massachusetts, with a Merit Rating of XXXX and no violations or citations. This further demonstrates that the accident data LexisNexis is providing is false, misleading, and damaging. 

Due to this incorrect reporting, I have been unable to obtain auto insurance, and Ive received a notice from the Massachusetts XXXX that my registration will be canceled within days. I have made repeated attempts to access and correct my report, but LexisNexis has failed to verify my identity or correct the errors. 

This situation has caused me significant stress, frustration, and time loss. I am requesting immediate investigation and resolution. LexisNexis must be held accountable for violations of the Fair Credit Reporting Act, identity theft protections, and Massachusetts consumer privacy laws. I am demanding that this matter be resolved within XXXX hours to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IN

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 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 2025-08-11 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: IN

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 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 2025-08-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with CitiBank or any of the affiliates. I have confirmed and advised CitiBank that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how CitiBank approved a credit under my name, without doing any further review and confirmation. Given the fact that CitiBank has the right to investigate and obtain all necessary information prior to approving any credits, CitiBank has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, CitiBank must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of XXXX  along with the Federal laws that CitiBank must comply with prior to approving any credit card/lines to anyone. Pursuant to CitiBank 's online advertisement, CitiBank encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from CitiBank stating that my information was used or attempted to be used in order to open an account. Thus, CitiBank has failed its duty, under XXXX  consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, CitiBank violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under XXXX XXXX XXXX XXXX XXXX and approval under misrepresented information and/or documentations. With that said, I am requesting for CitiBank to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I got a statement today ( XX/XX/year> ) from PayPal Credit. I do NOT have a PayPal Credit account. The amount is {$170.00}. I have tried to resolve this and keep getting transferred to another person. 
No one seems to know what to do. This is a scam and I AM NOT RESPONSIBLE for this. 
Please help me with this. Thank you.

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AC AutoPay LLC, Denver, CO Branch
State: MN

Complaint narrative:
On XX/XX/XXXX, I refinanced my vehicle through AutoPay. During the refinance process, I was pressured into accepti

ng GAP coverage, despite verbally declining it after explaining that my vehicle was worth more than the loan balance. I only accepted GAP reluctantly, because the represent
ative insisted that the financial institution strongly recommended it and implied it was required for approval. I agreed under the assumption it was a standard, refundable insurance product. 
On XX/XX/XXXX, I attempted to cancel and request a refund. AutoPay refusedclaiming I had signed a nonrefundable GAP waiver. This was the first time I learned the product was structured as a waiver, not insurance. 
I would have never knowingly agreed to a nonrefundable waiver, especially after trying to decline GAP altogether. The waiver was not clearly disclosed, and I was never given a proper explanation of its terms.

This practice violates Minnesota XXXX XXXX XXXX, which requires that GAP waivers be refundable on a pro-rated basis if the loan is paid off early. AutoPays refusal to honor this refund appears to violate both state law and federal consumer protection standards, including the Truth in Lending Act and UDAP provisions. 
I am requesting the CFPB investigate AutoPays practices and compel a refund of the GAP waiver charge. Given how easily this type of misrepresentation can occur during rushed refinance transactions, Im concerned that many other consumers may be unknowingly trapped in similar nonrefundable agreements. This appears to be a predatory lending tactic, and I urge XXXX XXXXXXXX to take broader action to protect borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
I applied for a car loan and was declined. I was advised that my score was low. This alarmed me.

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 2025-08-11 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: MS

Complaint narrative:
I applied for a car loan and was declined. I was advised that my score was low. This alarmed me.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
Ive been dealing with this issue being in my credit report since del toro insurance based out of Florida paid off almost XXXX of the vehicle loan and the gap insurance failed to get all the information from the car dealership ( XXXX XXXX  ) to get the remaining balance off. I had 2 collection agencies contact me within the year saying I owe them for the remaining balance of the car loan. Ive provided the first agencies with the gap insurance company information to get in contact with and I didnt hear anything till the begging off this year from a different collection agencies ( Jefferson capital ) saying I owe the remaining balance and they tried to get me to negotiate to take it off my credit but didnt agree to anything. XXXX XXXX  is and should be fully responsible for that balance due to the gap insurance they sold me in my car loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief