vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
I financed an " XXXXXXXX XXXX XXXX '' bundle through Citizens Bank ( Citizens Pay ) on XX/XX/XXXX. The loan agreement includes the cost of an XXXX XXXX XXXX console AND a 24-month subscription to XXXX XXXX XXXX XXXX. 

I received the console on XX/XX/XXXX, but the digital entitlement for the 24-month subscription ( the collateral for a significant portion of this loan ) was never delivered to the device. This is due to a documented clerical error where Citizens Bank failed to link the console 's Serial Number to the loan agreement. 

I have contacted Citizens Bank support repeatedly over the last 12 months. They have acknowledged the issue but state they are " no longer contracted '' with XXXX to sell this product and therefore refuse to correct the Serial Number in their system to release the subscription. 

I am currently making monthly payments on a loan for a product the lender refuses to deliver. 

Resolution Requested : Since Citizens Bank states they can no longer technically fulfill the digital delivery due to partnership termination, I request a statement credit of {$710.00} to make me whole. 

Justification for amount : The product financed was " 24 Months XXXX XXXX XXXX XXXX. '' The current replacement value of this subscription is $ XXXX ( Consumer Price as of XX/XX/XXXX ). Calculation : {$29.00} x 24 months = {$710.00}. 

If a credit is not issued, I request the loan be modified to remove the cost of the subscription entirely and a refund issued for the portion of payments already made toward this undelivered service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Savor card was offering a {$300.00} bonus special if you opened an account, spent {$500.00} within the first 90 days upon opening. I was approved on XX/XX/XXXX and I spent way more than the required {$500.00} within 90 days and in XXXX I received the {$200.00} rewards credit in my account. I called to see when they would deposit the travel credit in my account. They said at the time that it should be in there already. I did not check while I had the agent on the phone and after I hung up, I went into Cap One travel and it was not there. I had been out of town the month of XXXX, so I followed up upon my return. It has been a nightmare ever since. They opened a case # XXXX on XX/XX/XXXX and I was called several days later to let me know that I did not qualify for the credit -- but after checking, they said this case was still pending??. Little did I know they did close the case and then I proceeded to call and was transferred back and forth between agents, one in credit, then the travel dept., then the application department and no one could figure it out. I wasted at least three hours of being on hold for several days and everyone gave me a different story. Mainly they couldn't help me. All I wanted was for them to prove to me that I had to spend {$400.00} in travel booked through their website in order to qualify for the {$100.00} travel credit. I asked to speak to a manager and he was rude and demeaning to me. First he told me that I was not eligible for any of the {$300.00} bonus and when I explained that I did qualify and I did receive the {$200.00} rewards credit, just not the travel credit, he said there was nothing he could do for me and that he didn't want to waste anymore of his time???? I have read all of the terms and conditions and no where does it state that I had to spend {$400.00} in travel. All I want is for them to show me where it says that. Their ad is very specific-spend {$500.00} within 90 days of opening and receive {$200.00} rewards credit and {$100.00} travel credit to spend within the first year of receiving it. I contacted the complaint department and she noted the poor customer service, but would not issue my complaint of false advertising. All she did was transfer me to another rep in travel that told me I didn't qualify???? 
I am totally ok with not receiving it -- -IF SOMEONE CAN SHOW ME WHERE IT STATES THAT in the fine print and/or terms and conditions that I missed. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA XXXXECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-24 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this CFPB complaint because Experian is reporting a wrong address and several accounts that do not belong to me, even after I disputed them. The address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX is not mine, yet Experian continues to keep it on my credit file. 
Experian is also reporting multiple unauthorized charge-off accounts that I have no knowledge of, including XXXX XXXXXXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$2400.00} ), XXXX XXXX XXXX * ( opened XX/XX/XXXX, balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, balance {$14000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX, balance {$270.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, balance {$0.00} ), and XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$7500.00} ). I have never opened any of these accounts and Experian has not verified them properly. There are also unauthorized inquiries such as XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) that I did not permit. 
Experian failed to conduct a lawful reinvestigation under the FCRA, and these errors continue to harm my credit.

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 2025-11-24 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: Westcreek Financial
State: FL

Complaint narrative:
I am updating my complaint regarding Koalafi. The company provided me with a written settlement offer of {$830.00}, but they also verbally offered a {$670.00} payoff during a recorded call. However, Koalafi is refusing to put the {$670.00} payoff in writing. They keep repeating that the {$670.00} amount is courtesy and can only be communicated verbally, not in any written payoff or email. 

This creates a major issue because a verbal payoff is not legally binding, can not be enforced, and can later be denied. The company refuses to provide any written documentation confirming the {$670.00} payoff, which prevents me from safely paying it without risk of the balance being reopened or continued collections. 

Koalafi is dodging, refusing written confirmation, and insisting that this call is recorded as their only form of proof. Their refusal to provide written documentation for a payoff amount is deceptive, unfair, and puts consumers at risk. 

At the same time, they did email me a written settlement of {$830.00}, proving that written communication is possible. They are intentionally withholding documentation for the lower amount. 

I am requesting assistance from the CFPB to : 1. Require Koalafi to provide written confirmation of any payoff or settlement amount they expect me to pay.

2. Investigate why the company offers verbal payoffs but refuses written documentation.

3. Ensure I am not misled, overcharged, or left in a position where a verbal amount can later be denied.

Koalafis refusal to provide written payoff documentation is obstructing my ability to resolve the account in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

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 2025-11-24 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-24 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-24 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: TX

Complaint narrative:
I just checked my credit report again and those inaccurate accounts are still there, even though they should no longer be showing. I am begging you to carefully go through the documents I provided so I can finally stop stressing over something that has been haunting me for too long.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear XXXX, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XX/XX/year>

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my XXXX account was closed due to fraudulent activity and I had no idea as I was on vacation at the time. When I returned, I received a few alerts about return payments and fees added to my account. I worked with the credit card retailers who reached out, corrected those issues and profusely apologized and explained that I was also affected by the government shut down. In this case with Commenity bank, they restricted my account for 90 days because I had two return payments one that was an auto pay and the other one that I scheduled back in XXXX. Despite the fact that I explained to them and provided the proof as to what happened they are being very obstinate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am requesting a reinvestigation of the accounts and inquiries below as shown on my TransUnion credit report. I believe the reporting may be inaccurate or incomplete. Please verify all information and remove anything that can not be proven to be 100 % accurate. 

Charged Off Accounts XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$1600.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Payments 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 2025-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
After carefully reviewing my credit report on XXXX  I noticed a debt collection in the amount of {$150.00} from LNVN Funding formally known as XXXX XXXX. I have never purchased or conducted any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please go over the documents ; the questions came unexpectedly and may be unapproved.

Company response to consumer: Closed with explanation