vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
On XX/XX/XXXX, I accepted a balance transfer offer through the Capital One mobile app that stated 0 % APR for 12 months and charged a 3 % transfer fee. I transferred {$5500.00}, and the fee of {$160.00} posted to my XX/XX/XXXX statement. 

However, on my XX/XX/XXXX statement, the balance transfer was reclassified as a purchase, and I was charged {$110.00} in interest. 

When I contacted Capital One, I was told that the 0 % APR period I used was not a new 12-month promotion, but instead the original 15-month intro period that began in XX/XX/XXXX, when I opened the account meaning it had already expired by the time I initiated the transfer. 

The app never made this clear. There was no disclosure that the 0 % APR period would end in days. The offer said 0 % for 12 months, and I relied on that language when deciding to transfer the balance and pay the fee. Capital One also claimed they could not provide the offer or its terms, because it was done through the app which I find very concerning. 

I am requesting the following : -A copy or record of the actual promotional offer I was shown in the app on or around XX/XX/XXXX, including the full terms and visual presentation of that offer. 

-A clear explanation of why the 0 % for 12-month balance transfer offer I accepted in the app on XX/XX/XXXX was not honored, including whether this was treated as a new promotional offer or misapplied under an expiring introductory offer from account opening. 

-A refund of the {$160.00} transfer fee and the interest charges, or reinstatement of the 0 % APR for the full 12-month period as originally presented.

Capital One does not provide a secure message center or email for these disputes, and phone support was unhelpful. I am filing this complaint because the offer I accepted was misrepresented, and I was charged fees and interest that violate fair lending disclosures under the Truth in Lending Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to credit brech all items reflecting negative needs to be removed including the following, negative account & inquires immediately. this is not to be file as a normal dispute. this was a breach of information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Formal Dispute Under FCRA- Inaccurate Repetitive Reporting of Charged-Off Account Dear TransUnion, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by Santander Consumer USA, which is currently appearing on my credit report. 

The Santander Consumer USA account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. 

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month.

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA.

Action Demanded : Immediately investigate this account with Santander Consumer USA.

Correct or delete the inaccurate monthly charge-off updates.

Provide a written response within 30 days as requested as required under federal law.

Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. 

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. 

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
On XX/XX/year>, I sent XXXX a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. 

XXXX responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets. 

Their response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, XXXX continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. 

This constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.

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 2025-06-01 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: AL

Complaint narrative:
On XX/XX/year>, I sent XXXX a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. 

XXXX responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets. 

Their response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, XXXX continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. 

This constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I sent XXXX a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. 

XXXX responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets.

Their response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, XXXX continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. 

This constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.

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 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to XXXX5 USC 181i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-01 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate. 

XXXX XXXX Account # 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 2025-06-01 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX  credit inquiries from banks and auto lenders accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Experian has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX credit inquiries from banks and auto lenders on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts/ inquiries from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NM

Complaint narrative:
I disputed an item reported on my credit report. Specifically, on XX/XX/year>, company reported a LATE PAYMENT to my Experian, XXXX, and XXXX. I believe this transaction is incorrectly reported and falls under legal exclusions.

According to 15 USC 1681a, particularly subsection ( 2 ) ( i ), a consumer report does not include reports that solely contain information about transactions or experiences between the consumer and the reporting entity. Therefore, I am requesting the removal of this transaction from my consumer report.

Additionally, I would like to point out that, per 15 U.S. Code 1666b, a creditor can not designate a payment as late unless they ensure that the periodic statementsincluding all required information as specified in section 1637 ( b ) are mailed or delivered at least 21 days before the payment due date.

I ask for them to please provide me with the tracking number and details of the periodic statement that was sent to me 21 days prior to the due date?

Thank you for your prompt attention to this matter. I look forward to your cooperation in rectifying this issue.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable of Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I got an inquiry from ComenityXXXXXXXX  / XXXX  on XX/XX/2025 I did not make this inquiry and I called comenity XXXX  and they said they dont see that an inquiry was made but they also have my name and social associated with a different address that is clearly not me. They advised me to get ahold of XXXX  where I saw the inquiry. 

XXXX just directed me to file a report here to let you know I did not make an inquiry even though they see it on their end and it came from a place called XXXX. I know nothing about that and I was working all day yesterday it was clearly not me and not my address associated with the inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: DE

Complaint narrative:
I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the XXXX full report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  * - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. 
last four ss # 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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX {$300.00} payment XX/XX/XXXX I called Synchrony bank to get a final loan payoff amount. The representative said, if I paid off the loan in full that day we would remove the late fees and interest. I told them several times I wanted to pay the load off in full and have it closed. I was told the amount was {$18000.00}. They did do a withdrawal from my checking account for that amount while I was still on the phone with them. They then transferred me to someone else to confirm the late fees and interest were removed. I waited on the hold for at least 5 minutes then the line got disconnected. No one called me back. I tried 2 more times that day and was unable to get anyone to answer my call. 

XX/XX/XXXX I tried several more times to connect with someone at the bank, but no one answered my calls. 

XX/XX/XXXX I got a statement from the bank showing a balance of {$440.00}. It listed : {$41.00} late fee {$380.00} Interest charge In the interest charge calculation, it showed purchases of {$180.00} at an interest rate of 32.99 % I spoke with a manager named XXXX XXXX they wouldnt give a last name ). I explained everything to him as I outlined above. I told him, if the amount was supposed to be higher, I would have paid it. He stated they arent allowed to remove late fees and interest. He gave me an id number XXXX. He said he would investigate and have an answer within 10 days. 

XX/XX/XXXX I did not hear back from anyone at Synchrony so I called them again. I spoke with service rep XXXX then he transferred me to a manager XXXX who then transferred me to manager XXXX. Each time I had to explain everything to each one of them all over again. I told manager XXXX, if I was given a higher amount I would have paid it. I was given the amount {$18000.00} and that is what I paid. If their employee made a mistake, it is not my problem. He gave me a complaint number XXXX. He said it looked like the payoff amount quoted to me had the late fees and interest remove. He said he would locate the call history to see what said on the call on XX/XX/XXXX. 

XX/XX/XXXX A month later, I still have not heard from anyone.

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