vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/year> I applied for an auto loan through Hyundai motor finance. The dealership let me leave with the vehicle but later contacted me and told me I needed to return it. I complied and returned the car as instructed. 

Since then, I have repeatedly contacted the bank to confirm the status of the loan. Representatives at the bank have stated they do not understand what is going on with my application. I have not received any written explanation of whether my loan was approved, denied, or never funded. 

I am concerned about how this situation will be reported to the credit bureaus, since I returned the vehicle voluntarily at the dealerships request and this should not be reported as a repossession. 

I am requesting written clarification from the bank regarding the status of my loan application, confirmation that no negative reporting will occur, and an explanation of why I was instructed to return the vehicle.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened 8 CDs for {$200000.00} each on XX/XX/year> with a maturity date of XX/XX/year> at Bank of America in XXXX Missouri. The CDs automatically renewed at the maturity date and matured a second time on XX/XX/year>. We came into the Bank of America branch location in XXXX, MO on XX/XX/year>, to close the certificates and transfer funds to the checking account so that we can be ready to make transfers to its beneficiaries. 
The new CDs matured on XX/XX/year>. We were informed that a penalty would apply. This penalty withdraws part of the principal which was part of the interest we had rightfully earned and became part of the principal. The penalty charged was {$1800.00} per CD ( total {$14000.00} ). Accrued interest was {$180.00} per CD ( total {$1400.00} ). We did not violate the terms of the prior CD periods and should not have to pay a penalty for any of these periods. The proper penalty applied to the periods where the violations occurred which would only cost {$180.00} per CD ( total {$1400.00} ). 
We have been robbed by Bank of America. We would like these grossly overstated penalties, {$13000.00}, returned to our account. We are entitled to interest and principal prior to the renewal of the certificates. This penalty is 10 times what it should be.

There is a second problem at this bank with their policy for the number of days to renew certificates of deposit. Bank of America has a 7-day grace period that utilizes 24-hour periods. Customers are to use the online system to renew the certificates and holidays, and weekend hours are counted as regular business days when the bank is closed. We do not use to internet to transact business for this account and should not be forced to do so. This is unfair business practice since Bank of America does not cash checks or create transactions on these days.

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 monetary relief
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have a dispute with XXXX BMW Dealership regardingmy XXXXXXXX XXXX XXXXXXXX. I reported the dispute to BMW USA, as a case of EITHER : XXXX ) damage done to the Car while with the Dealership ; or XXXX ) Existing/manufacturing defects in vehicle resulting in a repair estimate of {$53000.00} that the Dealership claimed to have discovered while the vehiclewas with them. 

I went to Dealership on XX/XX/XXXX, and was told BMW Financial Services ( BFS ) picked up the car on XX/XX/XXXX and no other information provided, except tobe tole to leave the Dealership. 

I spoke with BFS on XX/XX/XXXX, who claimed they REPOSSESSED the vehicle because they were informed by the dealership that the vehicle was abandoned. 

I disputed the abandonment story, and informed BFS about the repair dispute, including the fact that the dealership never informed me that they completed the repairs, or that I should pick up my car at any time since the matter was reported to BMW USA. 



I reminded BFS that I have continued to make my loan payments on the vehicle while the dispute persists, including the last payment on XX/XX/XXXX, and thus I have kept my loan account current and up to date. 

BFS advised that I send them a letter telling them my story, and to request a return of my vehicle as the vehicle was never abandoned or surrendered. I sent the letter to BFS on XX/XX/XXXX and to date no response has been received. 

On XX/XX/XXXX, I got several alerts on my credit file that BFS reported a repossession of the car - - leading to a loss of about XXXX points on my credit score despite the fact that my account was never past during, or missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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>

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am disputing the late payment reported on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Creditor : XXXXXXXX XXXX/Account Number XXXX. This information is inaccurate and does not reflect my actual payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a full investigation and that the late payment be corrected or removed from my credit report. Please provide written confirmation of your findings

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I being sued from a lawyer who says work for a company that I never signed up for or agreed on anything ( XXXX XXXX XXXX, XXXX XXXX XXXX ) ( Capital One N.A. ). 

On the cause they just stated : CAME ON FOR CONSIDERATION CAPITAL ONE, N.A., SUCCESSOR BY MERGER TO XXXX XXXX XXXX XXXX 

When I was looking on line in your site for the card agreements specifically the arbitration clause, I could not find anything related to XXXX XXXX, but I did find a site for XXXX XXXX, updated and current, meaning this company is still doing business. The most intriguing part of all is that in the suit they ( XXXX XXXX XXXX, of XXXX XXXX XXXX ) stated in the Facts that : " On XXXX, 2025, XXXX XXXX  ( " XXXX '' ) merged into and became part of Capital One, N.A. ( " CONA '' ). As a result of this merger, XXXX no longer exist and CONA continues to operate as the sole surviving entity. The National Bank Act provides that the surviving entity in a merger of a state into a national bank is " deemed to be the same corporation as each bank or banking association participating in the merger ''. and that all " rights, franchises, and interest of the individual merging banks or banking associations in and to every type of property ( real, personal, and mixed ) and choses in action shall be transferred to and vested in '' the surviving entity. 12 U.S.C. 215a ( e ). Thus, in accordance with the National Bank Act, CONA holds all or the same property rights and interest that XXXX XXXX  had prior to the merger, including but not limited to the rights in existing XXXX XXXX  accounts and receivables, and is XXXXXXXX XXXX XXXX successor-in-interest in any pending litigation and matters before any Federal or State Court. '' So, my claim or question is : Why is XXXX XXXX  still doing business if it's lawyer is stating that XXXX merged and became part of Capital One, N.A. ( " CONA '' ), and as a result of the merger XXXX no longer exist but they still have presence on line? 
Can someone explain if this is correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
So earlier this year my account got hacked by a friend i trusted he used my account to send money and get money from people and i told the bank this and they still closed my account now i can not apply for any other banks or even use XXXX  because of wellsfargo

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> while traveling in XXXX, i was robbed. They stole all my credit cards, cellphone and jewelry. Unfortunately, I lost conscious and did not regain it until the next day on XX/XX/year>. At that time I contacted Chase to cancel my cards and to freeze my account. The cards were cancelled but the account was still active. I requested the accound to be frozen because they had access to my account not only the credit and debit cards. The account was not frozen and the subjects made unauthorized charges summing in the amount of {$9000.00} plus or minus. I contacted chase the following day to cancel the account again, but they did not do it either. I asked for the agents to put notes in my account of which they did not do. I called again and they again did not freeze the account. I kept calling, they kept referring me to different departments, of each time I called, I had to explain the situation all over again. Again, no one froze my account .I called everyday trying to get hep even requesting assistance from a US based service representative. I was even transferred to a senior to assist but to no avail. I kept getting locked out of my online account so I also had issued with that. All times a called I tried to dispute the charges but When I called again each single time, the new agent, was not able to confirm ANY disputes on mty account. It was only until yesterday evening that I finally spoke to someone who froze my account. It is almost a week and there have been no disputes filed and no corrective action has taken aside from only freezing my account as of XX/XX/year>.

Company response to consumer: Closed with explanation