vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I made a purchase of {$930.00} using Capital one shopping application portal, I had a targeted email offer sent to me for XXXX XXXX XXXX XXXX  in the apps rewards. I had used this link to make my purchase like I have many times before and after this at this point, and within a month, the purchase was verified by them and I was credited my rewards of {$170.00} as expected. I come to look at my account nearly a month later and see that my total lifetime rewards is significantly lower than I remember and investigate and see that this credit was reversed on XX/XX/year>. After bringing this to the attention of capital one shopping support, and several replies back and forth to be shrugged off that a courtesy adjustment could not be made, they offered no reasoning for the reversal. They stated that it has been reversed and all the possible reasons it could have been reversed ( none of which I did, i.e. returning ) and finally saying that they only know what the merchant of the product tells them. As the consumer responsible for the cashback, I would have used different means to my shopping experience, because now capital one shopping has kept my cashback for themselves. I'm looking for the return of my {$170.00} rewards in the capital one shopping app since there was no reason for the reversal of my reward credits to have occurred. I have included the purchase receipt, along with the original successful capital one shopping email, some customer support emails detailing the above more, and finally pictures showing my total rewards before and after ( dated ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX Balance : Balance : {$15000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX FM XXXX XXXX XXXX XXXX Balance : {$45000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Balance : {$4200.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Balance : {$24000.00} Open date XX/XX/XXXX Last activity XX/XX/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 2025-12-16 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: MI

Complaint narrative:
Account number XXXX opened XX/XX/XXXX, From XXXX XXXX XXXX XXXX XXXX with the credit limit of {$11000.00} and it is a charge off last reported XX/XX/XXXX. This is a fraudulent account opened by someone else who obtained my personal information XXXX XXXX. Auto loan account number XXXX open XX/XX/XXXX for {$34000.00} is a redeemed repossession last reported XX/XX/XXXX. This account is fraudulent as well.

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 2025-12-16 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: NY

Complaint narrative:
Experian consumer fraud equifax and trans union supposed to removed all adverse information and collection accounts and charge offs and accounts that show XXXX days late these accounts don't belong to me their is a federal trade commission identity report on file the adverse information supposed to be removed in XXXX hours off my credit report my social security number is 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 2025-12-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Experian consumer fraud equifax and trans union supposed to removed all adverse information and collection accounts and charge offs and accounts that show XXXX days late these accounts don't belong to me their is a federal trade commission identity report on file the adverse information supposed to be removed in XXXX hours off my credit report my social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I called Citi Credit Card customer service at approximately XXXX XXXX  to activate XXXX XXXX  for an authorized user on my account. I am XXXX and used relay service to make this call, which is my only means of phone communication and a federally protected accommodation under the Americans with XXXX XXXX. 

I successfully verified my identity by providing my card number, security word, Social Security number, and full name as it appears on the card. The representative with the " early fraud department '', XXXX, acknowledged receipt of all this information and stated she would assist with XXXX XXXX activation for my authorized user. 

However, after placing me on hold for over XXXX minutes while she " reviewed my account, '' I discovered by logging into my online account that Citi had frozen my credit card. When I informed the representative of this, she disconnected the call, claiming " no response '' - despite my active participation throughout the entire call via relay service. 

This account freeze occurred solely because I used relay service. I provided all requested verification information correctly. The representative 's confusion about my gender ( repeatedly calling me " ma'am '' despite my name being XXXX XXXX and her eventual claim of " no response '' when I was actively typing demonstrates a complete lack of understanding about how relay services work. 

This is XXXX discrimination. Relay services are federally mandated telecommunications accessibility services. Freezing my account because I used my only means of phone communication violates the XXXX XXXX XXXXXXXX XXXX and creates an impermissible barrier to equal access to financial services.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing inaccurate personal information on my credit report that does not belong to me and appears to be causing a mixed or incorrect credit file. 

Incorrect Names Listed : XXXX XXXX ( Name ID # XXXX ) XXXX XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) Incorrect Addresses Listed : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Address ID XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Address ID XXXX XXXX ) Correct Information : My correct and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX Requested Resolution : Please permanently remove all incorrect names and addresses listed above and update my credit report to reflect only my accurate personal information.

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 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint has significantly increased my monthly mortgage payment due to an inflated escrow account balance. This increase is based on property taxes that were paid out of our escrow account. The property taxes are deferred per agreement between XXXX  XXXX and the local tax assessor/collector since XXXX. These taxes should NOT have been paid by Shellpoint or included in the escrow calculation, as they were not Shellpoints obligation and were not to be paid by Shellpoint due to the deferment agreement held. Shellpoint paid XXXX on XXXX and XXXX on XXXX. 

As a result, our monthly payment increased from XXXX to XXXX, causing undue financial strain and confusion. This miscalculation undermines the accuracy of my escrow analysis and violates the proper handling of escrow accounts under RESPA I, XXXX XXXX notified Shellpoint when the first distribution was made. On XX/XX/XXXX The property tax department notified me via voice mail that the that the money was on the way and would be back in the escrow account. On XX/XX/XXXX I received a call from a third party wanting to know what I was planning to do about the foreclosure on my property. This indicated that I never received a notice of default with the amount I needed to pay in order to cure the default. This led to a wrongful foreclosure actio

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX filed on FTC XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXXXXXX 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/XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-12-16 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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

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 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) after repeated failures to maintain accurate, complete, and legally compliant credit reports. Despite my disputes, the bureaus continue to report multiple zero-balance accountsincluding 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 accounts ( XXXX  ), and XXXX  XXXX ( XXXX ) in a misleading and harmful manner without clearly identifying their accurate status, thereby violating FCRA 607 ( b ), which requires reasonable procedures to assure maximum possible accuracy. Additionally, public record information related to a XXXX  XXXX bankruptcy XXXX under Reference # XXXX is being reported inconsistently and without proper reflection of its XXXX status, in violation of FCRA 605 ( a ) ( 1 ), which limits the reporting period and requires accurate presentation of public records. The credit bureaus have also failed to provide proper disclosure and verification documentation upon request, including the sources, methods of verification, and supporting records used to validate the disputed accounts and public records, violating my rights under FCRA 609 ( a ) ( 1 ). Furthermore, while certain inquiries XXXX XXXX XXXX XX/XX/year> ), XXXX XXXX XXXX XXXX XX/XX/year> ), XXXX  ( XX/XX/year> ), and XXXX XXXX XXXX XXXX XX/XX/year> ) are not currently being disputed, I am concerned that the bureaus are not ensuring compliance with FCRA 604 ( a ), 605, and 611 regarding permissible purpose, reporting limits, and consumer dispute rights, as the continued presence of questionable inquiries reflects systemic failures in their reinvestigation and accuracy procedures. These ongoing inaccuracies have caused financial harm, credit denials, and emotional distress, and demonstrate a pattern of noncompliance that warrants immediate regulatory intervention.

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 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) after repeated failures to maintain accurate, complete, and legally compliant credit reports. Despite my disputes, the bureaus continue to report multiple zero-balance accountsincluding 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 accounts ( XXXX  ), and XXXX  XXXX ( XXXX ) in a misleading and harmful manner without clearly identifying their accurate status, thereby violating FCRA 607 ( b ), which requires reasonable procedures to assure maximum possible accuracy. Additionally, public record information related to a XXXX  XXXX bankruptcy XXXX under Reference # XXXX is being reported inconsistently and without proper reflection of its XXXX status, in violation of FCRA 605 ( a ) ( 1 ), which limits the reporting period and requires accurate presentation of public records. The credit bureaus have also failed to provide proper disclosure and verification documentation upon request, including the sources, methods of verification, and supporting records used to validate the disputed accounts and public records, violating my rights under FCRA 609 ( a ) ( 1 ). Furthermore, while certain inquiries XXXX XXXX XXXX XX/XX/year> ), XXXX XXXX XXXX XXXX XX/XX/year> ), XXXX  ( XX/XX/year> ), and XXXX XXXX XXXX XXXX XX/XX/year> ) are not currently being disputed, I am concerned that the bureaus are not ensuring compliance with FCRA 604 ( a ), 605, and 611 regarding permissible purpose, reporting limits, and consumer dispute rights, as the continued presence of questionable inquiries reflects systemic failures in their reinvestigation and accuracy procedures. These ongoing inaccuracies have caused financial harm, credit denials, and emotional distress, and demonstrate a pattern of noncompliance that warrants immediate regulatory intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX I received a phone call in reference to a payment not being made on my account, ( this account has been opened for XXXX  years- w/ no late payments ) Upon researching about the missing payment, and doing so research I noticed that we did not receive a statement from Concora Credit XXXX XXXX XXXX XXXX XXXX XXXX With this being said, I then proceeded to log into my on line account. Upon Logging into my account, I noticed that the mailing address was changed on our statements from my current address of ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to a address in Texas ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) This address was never changed by me. I contacted Concora credit and they insisted it was changed by me, I explained to them that it was totally impossible, and that someone must have hacked their systems and have changed peoples mailing address, They stated to me that it had to be an issue on my end with our computer and that it was changed on XX/XX/XXXX, ( I explained to them i do not use a computer to make payments and that payments were made on a cell phone, ( I phone ) which can not be hacked, They continued to explain that no one in their company would have changed it and it had to be done by someone else. I in no way would have changed and address. From this point they are wiping their hands with the issue, I have contacted the police department in Texas, To investigate the address that the statement that it was changed to, ( they stated to me, I need to file a complaint with our local PD in New York, and they would be notified by our local PD. XXXX credit is taking no responsibilty for releasing my information to and address in Texas. And will not give me any other info on how it could have happend, accept that it was changed on XX/XX/XXXX., XXXX ( i do have copies of the statements with the incorrect address on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Line 5, LLC
State: NY

Complaint narrative:
I am filing a complaint against Line 5 XXXX for continued billing related to a cancelled extended auto warranty. 

I cancelled my extended warranty XX/XX/year> after purchase through the warranty provider, XXXX. The warranty is no longer active. Despite this, Line 5 XXXX continues to charge me for the cancelled warranty, stating that they have not received the refund from XXXX. 

I have notified Line 5 XXXX that the warranty has been cancelled and have formally disputed the charges. However, billing continues, and I am being charged for a product that no longer exists. This issue is between Line 5 XXXX and XXXX and should not result in continued charges to me.

I am requesting that Line 5 XXXX  place my account in formal dispute status, suspend warranty-related charges during the investigation, ensure this dispute does not negatively affect my credit, and apply a backdated credit once the refund is received. 

Continued billing for a cancelled product constitutes unfair billing practices and is causing ongoing financial harm.

Company response to consumer: Closed with explanation