vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Possible Financial Inc
State: GA

Complaint narrative:
I have disputing these accounts starting in XXXX to the current date. XXXX  nor the following accounts have obliged by providing the proper documentation of verification of the authenticity of the accounts in relation to me. There is a total different name on my report of which I disputed. There was the account that was listed under the name. Ive been involved in multiple breaches in which Ive received compensation for the negligence and yet in still XXXX, XXXX, Possible Finace XXXX XXXX XXXX will not confirm verification and ever time I dispute XXXX  updates the account with no proper verification investigation. This has negatively impacted my score and lively hood

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I have disputing these accounts starting in XXXX to the current date. XXXX  nor the following accounts have obliged by providing the proper documentation of verification of the authenticity of the accounts in relation to me. There is a total different name on my report of which I disputed. There was the account that was listed under the name. Ive been involved in multiple breaches in which Ive received compensation for the negligence and yet in still XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX will not confirm verification and ever time I dispute XXXX  updates the account with no proper verification investigation. This has negatively impacted my score and lively hood

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dispute Regarding Removal of Authorized User Account Request for Immediate Correction Dear Consumer Financial Protection Bureau, I am filing a formal dispute concerning the improper removal of an authorized user account from my credit report by Equifax XXXX  and XXXX, which is now negatively impacting my credit profile. 

Issue Summary : An account on which I am a verified authorized user has been inaccurately removed from my credit report without valid justification. Both for XXXX  XXXX XXXX and XXXX I have already provided proof of authorized user status and ownership relationship to the bureau and the original creditor. 

Despite this, the account is still not reporting as it should, and its removal has led to an unwarranted drop in my credit score. 

Why This Violates Reporting Standards : Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report complete and accurate information ( FCRA 1681i ). 

If a consumer disputes an account and provides supporting documentation, the agency must investigate and either verify or correct the record. 

Authorized user accounts are considered valid tradelines and are commonly reported by creditors to assist with building credit history. 

There has been no communication from the bureau or the furnisher to explain the removal, and no valid reason has been provided. This is causing unfair damage to my creditworthiness through no fault of my own. 

Requested Resolution : I am requesting that : The authorized user account be reinstated and properly reported immediately. 

A reinvestigation be conducted, with full documentation provided to me per FCRA guidelines. 

My credit profile be corrected to reflect the accurate information and restore any negative impact caused by the erroneous removal. 

I respectfully request urgent action on this matter, as the delay in correction is continuing to harm my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Goal Structured Solutions, LLC
State: PA

Complaint narrative:
I enrolled in the XXXX XXXX XXXX XXXX program and was approved for a {$5700.00} loan through Ascent Funding under their XXXX Percent Bootcamp Loan. This program did not amount up to its price. I was pressured to act quickly without enough time to evaluate if the program fit my learning style or needs. There was a clear use of high-pressure tactics like finish on time or youll still owe the loan, which created fear and confusion. The program lacked sufficient instruction, had underqualified coaches, and didnt provide enough learning hours or real support. 

Despite these issues, I was later told I had completed the programeven though I didnt finish the courseworkand was handed over to Ascent to begin repayment. This loan is now negatively impacting my credit. I submitted a XXXX letter asking for reconsideration, and reached out to both XXXX XXXX and XXXX. I was bounced back and forth between them and never received proper assistance or a refund. 

I believe this loan was made under misleading and aggressive conditions and that it is not truly a student loan, given XXXX XXXX lack of accreditation. I am requesting this be reviewed for predatory lending and false representation. 

My experience is not unique. Many other students have reported the same deceptive practices, curriculum quality issues, and emotional manipulation. I have attached screenshots from public forums where other former students also shared concerns about XXXX XXXX misleading practices and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to report an issue regarding my Kohls Capital One account and to request a formal investigation and reimbursement of an incorrectly charged late fee. 

On XX/XX/XXXX, I made an online payment of {$160.00} from my XXXX account to pay off my Kohls Capital One balance. The transaction details are as follows : Online Payment XXXX to CAPITAL ONE {$160.00} ( XX/XX/year> ) However, on XX/XX/XXXX, I received an email from Kohls Capital One stating that my payment was late, and I was assessed a {$29.00} late fee, with an urgent request for payment to avoid a negative impact on my credit report. As a result, I immediately made another payment : CAPITAL ONE PHONE PYMT XXXX TEL ID XXXX {$190.00} Then, on XX/XX/XXXX, I received a credit return for the amount of {$160.00} : CAPITAL ONE PHONE PYMT XXXX TEL ID XXXX Credit Return {$160.00} Concerned about this situation, I called Kohls Capital One twice on XX/XX/XXXX seeking clarification and requesting that the {$29.00} late fee be reimbursed. Unfortunately, I was told that no investigation would be conducted and no help was offered. 

I also contacted my bank, XXXX, and was informed that the electronic check was sent, but it was never cashed by the recipient. XXXX stated they could dispute the full amount, but I am primarily requesting that the {$29.00} late fee be refunded, as I acted in good faith and made the original payment on time. 

I would appreciate your prompt attention to this matter and a resolution at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I was approved and a account was created for a installment loan to be repaid from my debit card on my pay dates. I did not ever receive any funds for the loan. I called and asked to account to be closed. I sent a letter denying them permission to withdrawl payment from my checking account. On XX/XX/XXXX, a payment in the amount of {$180.00} was withdrawn from my checking account. I looked on their website and the loan account showed a balance that had accrued intrest. In many types of correspondence I was assured my account was closed and a refund coming. The account finally shows XXXX balance, but I have never received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had XXXX credit cards with capital one I made a payment the day before my pay date thinking my money would be there to cover the payment. Capital one immediately closed all three of my accounts at the same time even though they were all current. Also I just paid the balance on XXXX of the cards off which was {$440.00} and after paying it off they reported the account to credit bureau on XX/XX/year> as a delinquent account. Its pretty unbelievable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
Recently got my consumer report. And there are many inaccuracies and incorrect/missing information being reported. It has made life incredibly difficult.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding an account being reported by Citizens Pay Credit Line ( Account ending in XXXX ). The account is being reported on my XXXX  credit report as a charge-off in the amount of {$2500.00}, with derogatory and past due status. I never received any original wet-ink signed contract or verification of this account from Citizens. I issued a formal dispute and a Conditional Acceptance for Value, requesting : The original signed agreement Full accounting and payment history ledger IRS Form 1099-C ( if charged off ) Chain of title or assignment documentation Proof of lawful authority to collect and report the debt Citizens Pay has failed to respond or validate the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Continuing to report a charge-off without validation constitutes false and misleading representation ( 15 USC 1692e ) and unfair or unconscionable means to collect ( 15 USC 1692f ).

I will also be filing IRS Form 3949-A for potential tax reporting violations, and IRS Form 1099-C if Citizens failed to properly report the cancellation of debt. I am requesting that the CFPB take immediate action to enforce federal law and have this unverifiable account permanently deleted from my consumer report due to noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance pulled XXXX hard inquiries on XXXX, this is an obvious duplicate. I have since paid off my auto loan to them so they can not find that I have an account. I just want XXXX of the hard inquiries removed since my credit report says they will stay on there until XX/XX/year>. This mistake is negatively impacting my XXXX credit score. Their phone number is XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines. 
As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

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 2025-06-28 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: GA

Complaint narrative:
I was travelling internationally in XX/XX/XXXX and I used my CapitalOne credit card in XXXX to pay for baggage at the airport for XXXX XXXX. The card was declined twice at the airport. I paid for the baggage with my brother 's credit card. ( Attached Proof ) The next day I saw two transactions on my account for {$120.00} each. I tried to dispute it online, but the site wouldnt let me. Since I was in XXXX, I asked my son who was in the USA to call and dispute it, but they wouldnt record the dispute since he was not authorized to speak on my behalf. We were not informed about the international collect call option, otherwise I would have called from XXXX to dispute it. Meanwhile we reached out to XXXX XXXX to dispute and after 3 long months of back and forth, they said they never received the money from Capital One for those 2 transactions. ( Attached Proof ) I returned to the US in XX/XX/XXXX and I am immediately called them and filed a dispute and submitted all documented evidence as they requested. But, they declined the dispute since it was not filed within 60 days. In my opinion, CapitalOne is just using this as an excuse to deny our dispute. They know we did everything possible to dispute it within days of the transactions showing up in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX CT NV XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( U.S. Bankruptcy Court, District of Nevada ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am completely broken I don't know what to do I received alerts about my SSN and personal information breached and sold on dark web. So I try logging in transunion and it says suspended. Everytime I get on phone with transunion to fix the issue I get hung up on. I was hung up on 3 times in one day consecutively. Now I'm still unable to see my transunion. Then I try logging into Experian and they won't let me log in until I pay {$26.00}. I've tried different links I'm completely shut out. So idk what's going on with my personal information or credit reports or inquiries. For all I know people are fraudulently opening accounts, forging my name, using my info to do whatever. I can not do nothing about it because the credit bureaus are not allowing me access. Please help I don't want my identity completely hyjacted.

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