vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 



List of Unauthorized Inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 seven 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Freedom Mortgage XXXX  XXXX XXXXXXXX XXXX  XXXX Account Access I am filing a formal complaint regarding Freedom Mortgages handling of my XXXX  loan assumption and their refusal to provide online account access. 

I previously had a conventional home loan that was sold to Freedom Mortgage. In XX/XX/year>, after receiving military orders to relocate to another state, I initiated a XXXX loan assumption for a different property. The process was drawn out by what appears to be a deliberate policy of procrastination, obfuscation, and delay. The assumption was not completed until XX/XX/year>. 

At the beginning of the process, I had access to my Freedom Mortgage online account. However, once the new XXXX  loan was finalized, my online account was deleted. After many phone calls and repeated transfers, I was told by customer service representatives that it is policy that I can not have online access for my new mortgage. Instead, I am told I must wait for paper documents to be mailed to me or call and wait over an hour to get any assistance with my account. 

This seems highly unreasonable in XXXX, when every other mortgage servicer offers online account management and digital access. Denying borrowers basic online access creates unnecessary hardship, particularly for XXXX XXXX like myself who may move frequently or be XXXX. 

I request the following from the CFPB : What will it take for Freedom Mortgage to provide online access to both of my mortgage accounts, as I previously had before the loan assumption? 

An explanation of this policy from someone in authority at Freedom Mortgage, not layers of customer service staff whose only answer is sorry, thats just the policy. 

Assurance that service members using XXXX  loan benefits are not subject to policies that disadvantage them compared to conventional loan borrowers. 

This issue has created stress, wasted time, and limited access to critical financial documents I need for tax and financial planning. I believe Freedom Mortgages actions are unfair, anti-consumer, and potentially in violation of federal standards for fair treatment of military borrowers under XXXX loan programs. 

Thank you for your attention to this matter. 

Respectfully, 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
{$1100.00} {$1700.00} These are both Navy Federal Credit cards that are not mine. I need these removed ASAP I have sent in my letters to the bureaus as well multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited a cashiers check for {$11000.00} into XXXX of my business accounts. The check was issued by me, funded from another business account I own at a different financial institution. In other words, this was a transaction where one of my companies was paying another company I own, with both accounts under my name and full control. 

Upon deposit, the receiving bank placed a hold on the check under their Regulation CC allowance of 27 business days, citing that the transaction was considered unusual activity for the account. Since then, I have spoken with the bank three times both over the phone and in person. At each interaction, the staff has been professional and courteous, explaining that no individual at the bank has the authority to approve the release early and that the full seven-day hold must run its course before the funds are made available. 

My concern is not with their professionalism, but rather with their decision to use the maximum hold time allowed when this transaction is straightforward and easily verifiable. This is a cashiers check moving between two accounts owned by the same individual, with documentation and legitimacy that can be readily confirmed. In my view, the bank should be able to release the funds much sooner closer to two days rather than holding them for the full seven days without necessity.

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 2025-09-18 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Company : Goldman Sachs Bank USA ( issuer of Apple Card ) Product : Credit card Issue : Billing dispute service not rendered Summary of Complaint : I disputed a charge on my Apple Card for an airline ticket where the service was not rendered. I was physically present at the airport, on time, and ready to board. The airline did not allow me to board due to issues on their end, and I did not receive the service I paid for. 

Apple/Goldman Sachs denied my dispute, stating I did not provide proof. However, they never requested additional documentation from me during the investigation or my XXXX  complaint. This is a violation of the Fair Credit Billing Act, which requires creditors to fully investigate billing disputes and correct charges for services not rendered. How did they conduct a thorough investigation if they never communicated to me what was required to prove my case?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a XXXX XXXX XXXX XXXX, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-09-18 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I have an indigo credit card, which is also affiliated with Concora Credit. As of XX/XX/year>. I have no access to my indigo credit card account. I always pay double or triple the amount to my monthly payments & always ahead of time. But now I can not pay nothing! All of the customers service line have busy signals. I've tried using all of the phone numbers affiliated with this company, nothing busy signals. But before all of this, i was able to actually call & speak with someone with no problem. My balance is {$600.00} & I have no access to pay the bill, not even on-line anymore. I know this company is going to try to put me in debt. I just found out others had this complaint to with this same company. What can I do to prevent indigo credit card company from messing up my credit score that I am building??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was told send XXXX dollars to somebody for their gas money and food to come over but they did not I sent it in two separate transactions XXXX XXXX dollars and XXXX dollars happened on XX/XX/year> around XXXX.I reported it to cash app and they still havent contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/year>, I disputed an international hotel charge with Capital One. I booked and prepaid a one-person reservation. The hotel later billed me for two extra guests who never stayed and for an event that was canceled.

The hotel admitted in writing that the reservation was treated as one person in their system, and confirmed that the {$1400.00} charge was for adding two extra people. Despite this, Capital One denied my claim, stating the transaction was valid.

Capital One ignored my evidence and relied on false merchant documentation. They also failed to provide a provisional credit during the investigation, which violates Regulation E ( 12 CFR 1005.11 ).

I am requesting that Capital One be required to reopen my dispute, conduct a reasonable investigation using the evidence I submitted, and refund the unauthorized/incorrect charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX DOB : XXXX Date : XX/XX/XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Follow-Up Dispute and Notice of CFPB Complaint To Whom It May Concern : This correspondence serves as a follow-up to my prior disputes regarding the inaccurate and unlawful reporting of multiple accounts on my consumer file. TransUnion, Equifax, and Experian have repeatedly failed to lawfully verify the information in question, instead re-aging accounts and misreporting tradelines in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Because the bureaus have refused to comply with their obligations under federal law, I have now filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). The complaint outlines ongoing violations of the following provisions : 1681e ( b ) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to conduct a lawful reinvestigation.

1681i ( a ) ( 5 ) Failure to delete unverifiable information.

1681c ( a ) ( 4 ) Re-aging of obsolete accounts beyond the 7-year reporting limit.

1681n & 1681o Willful and negligent noncompliance with the FCRA.

Accounts in Dispute : XXXX XXXX XXXX repeated charge-off reporting. 
XXXX XXXX XXXX XXXX unverifiable {$40.00} charge-off and possible double reporting. 
XXXX XXXX XXXX XXXX since XXXX yet updated balances shown in XXXX. 
XXXX XXXX XXXXXXXX XXXX notations creating false delinquency reporting. 
I demand immediate deletion or full correction of these tradelines. If no verification is provided, the bureaus must also remove and block the disputed items from reporting under their obligations in the FCRA. Failure to comply will be treated as continued willful noncompliance and will be pursued to the fullest extent under 15 U.S.C. 1681n & 1681o. All three credit bureaus are now on notice that this matter is under federal regulatory review. 
I expect a complete reinvestigation and written confirmation of deletion and blocking of unverifiable items within 30 days as required under 611 ( a ) of the FCRA. 
Sincerely, 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX DOB : XXXX Date : XX/XX/XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Follow-Up Dispute and Notice of CFPB Complaint To Whom It May Concern : This correspondence serves as a follow-up to my prior disputes regarding the inaccurate and unlawful reporting of multiple accounts on my consumer file. TransUnion, Equifax, and Experian have repeatedly failed to lawfully verify the information in question, instead re-aging accounts and misreporting tradelines in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Because the bureaus have refused to comply with their obligations under federal law, I have now filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). The complaint outlines ongoing violations of the following provisions : 1681e ( b ) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to conduct a lawful reinvestigation.

1681i ( a ) ( 5 ) Failure to delete unverifiable information.

1681c ( a ) ( 4 ) Re-aging of obsolete accounts beyond the 7-year reporting limit.

1681n & 1681o Willful and negligent noncompliance with the FCRA.

Accounts in Dispute : XXXX XXXX XXXX repeated charge-off reporting. 
XXXX XXXX XXXX XXXX unverifiable {$40.00} charge-off and possible double reporting. 
XXXX XXXX XXXX XXXX since XXXX yet updated balances shown in XXXX. 
XXXX XXXX XXXXXXXX XXXX notations creating false delinquency reporting. 
I demand immediate deletion or full correction of these tradelines. If no verification is provided, the bureaus must also remove and block the disputed items from reporting under their obligations in the FCRA. Failure to comply will be treated as continued willful noncompliance and will be pursued to the fullest extent under 15 U.S.C. 1681n & 1681o. All three credit bureaus are now on notice that this matter is under federal regulatory review. 
I expect a complete reinvestigation and written confirmation of deletion and blocking of unverifiable items within 30 days as required under 611 ( a ) of the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief