vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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 2025-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I have been contacting Santander XXXX  and trying to close my Santander savings as well as checkings account for the past two months without success. They keep saying they will close but do not.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint due to a reporting error involving my federal student loan from the U.S. Department of Education. The loan was previously reported as closed and placed in collections, and XXXX  still shows it as closed with a closure date of XX/XX/year>. 

However, XXXX is now reporting the same loan as o

pen and in collections, even though there has been no new activity. On top of that, the balance continues to increase, despite the loan being marked closed and inactive. This creates the false appearance of a delinquent, active debt. I disputed the account through XXXX, but it came
back verified without any supporting documentation. Then the status changed back to open again, with no valid explanation or verification.

This inaccurate reporting is hurting my credit profile, and I am requesting that the information be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I am writing regarding a late payment reported on my credit file for the account with your institution : Account Number : [ Insert Account Number ] Date of Alleged Late Payment : [ Insert Date ] Upon reviewing my records and the relevant laws, I respectfully dispute this late payment and request its immediate investigation and removal from my credit reports pursuant to the following federal statutes : -- - 1. 15 U.S.C. 1666b Limitation on Finance Charges This section of the Truth in Lending Act protects consumers by requiring that creditors provide a grace period on purchases before imposing finance charges. If the full balance is paid within the grace period, no interest or penalties should be charged. If this grace period was not properly disclosed, or if payment was made in a timely manner but a late fee was applied, the reporting of the late payment may be improper.

please delete all lates payments for on experience -- - 2. 15 U.S.C. 1637 ( b ) Required Disclosures This statute requires that creditors provide clear and accurate monthly billing statements and information regarding amounts due, due dates, and how finance charges are assessed. If I did not receive proper billing disclosures or if the billing statement failed to clearly indicate the payment due date, any resulting late payment entry could be invalid.

please delete all lates payments for me on fico -- - 3. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Under the Fair Credit Reporting Act, furnishers of information are legally required to investigate disputes and report only accurate and complete information to credit reporting agencies. If a consumer disputes the accuracy of a reported item, the furnisher must conduct a reasonable investigation and correct or delete any information that is found to be inaccurate or unverifiable.

please delete all lates payments for me on transunion -- - I believe this late payment is either inaccurate, misreported, or the result of unclear disclosures, and therefore should be removed in accordance with the laws cited above.

Please conduct an investigation and provide a written response within 30 days, as required by the FCRA. If this account is found to be in error, I request that the late payment be removed from all credit bureaus to which it was reported.

Enclosed are copies of relevant documentation to support my case, including : [ Billing statement or payment record ] [ Bank statement or confirmation of payment ] [ Any correspondence with your company ] Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I heard about coin base and I just wanted to start investing into it, some of my friends have invested and made some decent profit, I deposited {$3100.00}, and there was also an deposit of {$5000.00} that wasnt supposed to be made but I have access to my account and I seen that it was in Coinbase. They instantly restricted my account and I spoke with them in chat since, they gave me the same runaround that theyll contact me in XXXX hours on my review, I contacted and contacted every single day and they told me the same thing with no email, no response what so ever. Finally on XX/XX/year> I received an email stating, you are still able to receive/sell/buy/deposit any cryptocurrency you currently have on Coinbase and withdraw funds to your existing payment method so I got happy that I was finally able to send the money back to my account, until I check and it says my money will be available on XX/XX/XXXX. I contact again and they say, Ill get an email within XXXX and no email comes so I talk to support again and they tell me I have to wait 30 days on top off already waiting XXXX weeks and half. And also I disputed with chase ; told them that {$5000.00} was not supposed to be there only {$3100.00} and they didnt approve my claim. I provided evidence, I provided evidence since day XXXX with coin base providing my id, I told them I can provide bank statements, and even with chase I told them they arent letting my money go, I need my money back, I dont have anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 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:
I am disputing the reporting of an auto loan account from XXXX XXXX that is inaccurately marked as a repossession on my credit report. The account was opened in XX/XX/XXXX and fully paid off in XX/XX/XXXX, with the final payment made on or around XX/XX/XXXX. Despite this, the account is still being reported by XXXX as Derogatory Repossession ; Redeemed and by Experian as Paid Redeemed Repossession. 

At no point did I miss payments or default on this loan. I fully satisfied the balance in good faith and have included a consumer statement on the file asserting that the account was Never Late Paid as Agreed. The derogatory reporting of repossession is inaccurate and inconsistent with the actual history of the account. 

Additionally, the inconsistency between XXXX and Experians reporting ( one lists it as derogatory, the other as paid ) further indicates that the data is unreliable or misreported. 

I am requesting the removal of the repossession notation from this account, or full deletion of the tradeline if accurate payment records can not be verified. This negative remark is unjustified and continues to harm my credit standing unfairly.

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 2025-06-27 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: CA

Complaint narrative:
I am requesting verification of this account. I dispute the accuracy of the ongoing reporting, the high balance, and any derogatory information tied to it. I request that the account be either verified with documentation ( such as a signed contract and billing history ) or removed in accordance with the Fair Credit Reporting Act.

No recent activity should warrant continued negative updates unless substantiated. The persistent derogatory status is unfair and damaging if unsupported by accurate records.

I am attaching a copy of my credit report and respectfully request resolution within the legal 30-day timeframe.

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 2025-06-27 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: NY

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my TransUnion credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. 

It has come to my attention that TransUnion has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/year>, and XX/XX/year> I was shopping for a home and was told by a realtor that a soft credit pull would be performed only for prequalification purposes. However, without my informed consent, a hard inquiry was conducted. After the XXXX time I was told since they were done in the same month I could request them to be removed but nothing has happened since. 

I never gave written or verbal permission for a hard inquiry to be performed, and I was misled into believing only a soft inquiry would occur. This was deceptive and I request that this inquiry be removed immediately under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-27 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: TX

Complaint narrative:
This is my third dispute with Experian regarding identity theft and fraudulent accounts. Most recently, they added a brand new account to my credit file, then backdated it to make it appear as if it had been there all along. I have two official Experian reports proving this account was never previously listed. Once I filed a CFPB and Attorney General complaint, they removed the accountwhich confirms it was not valid.

However, Experian continues to report other disputed accounts without providing any legitimate justification or complying with my legal right to receive the method of verification under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). I requested the procedure used to verify these accounts, including the name and address of the furnisher and how the accuracy and completeness were determined. Experian failed to provide this. 

I submitted a full ID Theft packet on XX/XX/year>, including : FTC Identity Theft Report Notarized Affidavit Police Report Government-issued ID Proof of Address Annotated Credit Report Despite this, Experian has not removed the remaining fraudulent accounts or complied with the law. They also failed to respond with a meaningful explanation or give me a chance to supplement the dispute. Their behavior appears deceptive and in bad faith, possibly attempting to manipulate data by re-adding accounts under false dates. 

This violates FCRA and my rights under the Fair Credit Reporting Act.

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 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: VA

Complaint narrative:
I applied for Louisiana S

CRA benefits regarding my loan and was denied because of LA Rev Stat 29:311. I was told since this loan is a personal installment it does not fall under the obligations.

As stated in the fair resolution regarding this you will see the mistake that has been made about all of this.

Referring to LA Rev Stat 29:312 will provide the appropriate information for my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by Regions Bank on my mortgage account. 

I acknowledge that I was late in XXXX and XX/XX/XXXX due to a severe financial hardship following the sudden change in my income and being widowed it was piling up. I was left raising XXXX children while attending school full-time to complete my XXXX XXXX XXXX  XXXX degree and working part-time as well as working a practicum. 

In XX/XX/XXXX, I applied for a loan modification and hardship assistance plan with Regions Bank. From that point forward, I was participating in an active loan modification process and following the terms. 

Despite this, Regions Bank reported my mortgage as late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, lenders can not report a borrower as delinquent if the borrower is under an active loan modification or hardship assistance plan and is complying with the terms. 

I have contacted Regions Bank to resolve this issue, but they have refused to correct the inaccurate late payments from XX/XX/XXXX forward. This reporting error is severely impacting my credit and my ability to secure stable housing for my family. 

I am requesting that the CFPB assist in having Regions Bank correct this inaccurate reporting by removing the late payments from XX/XX/XXXX forward, reflecting that I was participating in a loan modification/hardship program and adhering to the terms. 

I am providing supporting documents with this complaint, including copies of my credit report, letters to Regions, and any available documentation related to the loan modification.

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 2025-06-27 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX & Charge-Off ( During Incarceration ) > I am disputing an account reported by XXXX XXXX ( Acct # : XXXX ) which was charged off and reflects a repossession. 

This occurred while I was incarcerated and financially incapacitated. I never received proper notice of deficiency, repossession process, or right to cure, as required under UCC 9-611. 

I submitted a written dispute, but XXXX XXXX failed to validate the debt or provide the original signed contract. This is a violation of : FCRA 15 USC 1681s-2 ( inaccurate reporting ) FDCPA 15 USC 1692g ( lack of validation )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. 


I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. 


This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. 


I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. 


This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

Company response to consumer: Closed with non-monetary relief