vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against Capital One regarding the abrupt closure of my credit card accounts. On XX/XX/year>, I received letters from Capital One stating that my accounts were closed due to activity inconsistent with typical customer account usage. However, no specific explanation has been provided despite my attempts to obtain clarification.

This action has closed three of my accounts at once, significantly impacting my available credit and likely harming my credit score. I believe this closure was arbitrary, and Capital One has not provided transparency or justification.

I request that the CFPB investigate this matter and require Capital One to : 1. Provide a clear, specific explanation of the reason for these closures.

2. Reconsider the closures or report them as closed at customers request instead of closed by credit grantor.

3. Ensure the closures are not unfairly damaging my credit profile. 



My contact information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, PA XXXX Email : XXXX Phone : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
It came to my attention that my personal information as been compromised in a data breach such as TransUnion, XXXX  and many dark web sites, I looked at a copy of my credit report and notice some unfamiliar accounts Base on section 605b. It is illegal to report any nonpublic information on my credit profile without my consent. I want these accounts delete please

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 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
ssue Summary : I am requesting assistance with my Public Service Loan Forgiveness ( PSLF ) application. I have been employed full-time at XXXX XXXX XXXX XXXX ( a qualifying nonprofit employer ) from XXXX until its closure in XXXX. I have faithfully served in nonprofit education for over 20 years. 
Despite submitting multiple PSLF applications, Employment Certification Forms, and my XXXX, my loans have not been forgiven. My current count is XXXX qualifying payments, but my long-term public service has not been properly recognized. Because my employer has closed, I can not obtain new certification from an official. I have submitted alternative documentation, but MOHELA and the Department of Education have not resolved my case. 
Servicer : MOHELA Loan Type : Federal Direct Loans Problem : XXXX forgiveness delays ; lack of clear resolution ; refusal to honor nonprofit service despite documentation. 
Desired Resolution : I am requesting that the Department of Education and MOHELA accept my XXXX and tax records as proof of qualifying nonprofit service and discharge my remaining loans under XXXX in recognition of my more than 20 years of continuous nonprofit employment.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 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:
This is a formal legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Uniform Commercial Code ( UCC 1-308 & UCC 1-103 ).

I am disputing the following unauthorized and fraudulent hard inquiries and accounts listed on my consumer credit report. These inquiries were made without my written authorization or permissible purpose as required under FCRA 604 ( a ). 

FRAUDULENT INQUIRIES TO BE REMOVED IMMEDIATELY : XXXX XXXX XX/XX/year> Factual Data XX/XX/year> XXXX / XXXX In XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>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 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 XXXXXX/XX/year> XXXX and any other related inquiries tied to the above ] LEGAL BASIS FOR REMOVAL FCRA 604 ( a ) ( 2 ) : No inquiry may be made without my written authorization. I never provided such consent.

FCRA 609 ( a ) ( 1 ) : I demand full disclosure of the method of verification for each inquiry.

FCRA 611 ( a ) ( 1 ) ( A ) : You must investigate disputed items within 30 days.

FCRA 616 & 617 : Willful noncompliance entitles me to damages up to {$1000.00} per violation, plus attorneys fees.

UCC 1-308 & UCC 1-103 : I reserve all rights without prejudice, and no contract, obligation, or consent can be implied without my explicit agreement.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
During the covid pandemic I lost my job and requested that XXXX XXXX XXXX XXXX allow me to make payments on a payment plan as I was experiencing a financial hardship as well as fleeing from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The company refused and insisted I pay the entire amount of the car loan. approximately XXXX - XXXX XXXX I have recently reached out again to address the issue I have requested they refrain from reporting inaccurate information as I do not have the vehicle in my possession however it appears the opposite on the credit report. The debt was then sold to a debt collector I also have asked for that information, but I have not received it. Please advise on who to reach out to further.

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 2025-09-14 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian was sent a notarized certified dispute letter over a month ago ( attached ), and this issue was also raised in CFPB complaint # XXXX regarding unauthorized inquiries. Despite proper notice, Experian has failed to conduct a reasonable investigation. In contrast, both XXXX  and XXXX  removed the same unauthorized inquiries after reviewing my dispute. 

I also provided my FTC Identity Theft Report number, which is attached again for reference. These inquiries remain unverified and serve no permissible purpose under the Fair Credit Reporting Act ( FCRA ). Experians failure to address this matter violates my rights under the FCRA, which requires consumer reporting agencies to ensure maximum possible accuracy and to investigate disputed information. 

I am demanding the immediate removal of all unauthorized and unverified inquiries from my Experian credit file, as they are inaccurate, damaging, and not legally permissible.

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 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
My EQUIFAX CREDIT REPORT LIST MOHELA REPORTED THAT I INCURRED approximately {$9000.00} fees FROM XX/XX/year> to XX/XX/year>. MOHELA REPRESENTATIVE STATED THAT IMPOSSIBILITY MATHEMATICALLY TO ACCRUE XXXX IN XXXX MONTH. MOHELA ASSURED THAT THIS ISSUE WILL BE CORRECTED. I RECEIVED UPDATE FROM XXXX AND THE ISSUE REMAIN UNCHANGED AND MY SCORE DROPPED XXXX POINTS. Also I RECEIVED INFORMATION THAT MY PERSONAL INFORMATION, SOCIAL SECURITY AND IDENTIFYING INFORMATION HAS BEEN HACKED BY A THIRD PARTY. I REQUEST MY ACCOUNT BE DISMISSED DUE TO MY RIGHT OF PRIVACY OF INFORMATION HAS BEEN VIOLATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/year>, a recurring annual charge for {$29.00} from homeadvisorhandy.com appeared on my bank statement. I eventually determined this to be for an XXXX XXXX XXXX XXXX XXXX yearly subscription. My immediate attempts as the person being billed to identify and cancel this service were met with a systematically obstructive and deceptive multi-channel process designed to prevent cancellation. 

The key failures by the merchant include : XXXX. Obstructive Phone System : On XX/XX/XXXX, I made XXXX documented calls to their official support number ( XXXX ). The automated system provided no option for cancellation and disconnected every call. 

XXXX. No Digital Contact Method : The company 's XXXX website deliberately provides no email address or web form, forcing all customers into their broken phone system. 

XXXX. Deceptive Social Media Support : After I posted publicly, a support agent engaged me. They then manipulated the platform to hide their public reply, attempted to move the conversation to unrecorded channels ( XXXX and phone ), and delayed their responses by over XXXX hours. 

XXXX. Fragmented Systems : The charge was ultimately discovered to be tied to my wifes legacy XXXX XXXX account. That platform offered a simple, one-click cancellation method not present on the XXXX side XXXX proving the difficulty I encountered was an intentional business choice. 

Despite my multi-day effort, the company 's support agent failed to resolve the issue or cancel the account. 

A complete, contemporaneous log with all supporting evidence to serve as a formal record of these anti-consumer practices is available at the following link : https : XXXX? usp=drivesdk

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 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I obtained a title loan through Title Max and made continuous payments on the loan and mad it down to the last few payments before payoff and the company picked my vehicle up stating that I missed several payments which is incorrect. They are now harassing me by telephone and email stating that I owe them over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX said they blocked information from discover card which was my sister account not mine that XXXX reappearing on my credit report. This is harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Subject : Final Notice of Dispute Request for Proof of Ownership, Contract, and Full Accounting Re : Account # XXXX Dispute of Accuracy, Completeness, and Standing This is my final notice of dispute regarding the above-referenced account, submitted via the Consumer Financial Protection Bureau ( CFPB ).

I dispute the accuracy and completeness of your reporting and demand that you cease all collection activity and stop reporting on my consumer report until you can provide authenticated proof of your standing and authority regarding this alleged debt. 

Specifically, I am requesting : Authenticated Original Contract with Wet Signature Provide the original signed agreement or other legally valid proof of indebtedness showing I am obligated to Credit Acceptance. 

Proof of Standing and Ownership under Contract Law and XXXX Article XXXX If this debt has been assigned, transferred, or securitized, provide documentation establishing your legal right to collect and enforce it.

Full Accounting Provide a complete payment history and transaction ledger for the life of the account, including all credits, debits, fees, interest, and adjustments.

Evidence of Securitization ( if applicable ) If this debt has been securitized or otherwise sold, provide all documentation showing the chain of title and ownership interests.

Under 15 U.S.C. 1681s-2 and related provisions, you are required to investigate disputed information thoroughly. Until you provide the requested documents, you are not authorized to continue collection efforts or to furnish negative information to any consumer reporting agency.

Furthermore, any failure to comply may compel me to seek injunctive relief and pursue all available remedies under federal and state law. Any future correspondence from me regarding this matter will be in the form of arbitration in accordance with the terms of your contract.

Please treat this as a serious, good-faith dispute requiring immediate action and provide a full, verified response. I will also be forwarding to the Attorney General. 
Last 4 digits of social 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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
i have been trying to withdrawl my funds for a few days now and the crypto exchange XX/XX/XXXX won't let me because it says my account is restricted for having a negative balance which i fixed right away but i am still unable to withdrawl my crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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