vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights.

I demand immediate deletion of the following fraudulent account : XXXX XXXX XXXX This account is reported inaccurately. Simply look at the details, as it is reported differently across the bureaus. Please correct this or remove it entirely.

Your continued negligence in handling identity theft reports violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data

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 2025-10-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to pay my monthly XXXX  bill of {$1200.00} for my condominium online. In XXXX, while making the payment, I inadvertently failed to update the payment amount from {$21000.00} to {$1200.00} due to rushing the process. Upon realizing the error, I contacted the XXXX  XXXX  company right away. However, they refused to amend the payment and directed me to resolve the issue with my credit card company which I did within 72 hours.

I promptly reached out to the credit card company to dispute the charge. However, their communication was unclear, with multiple requests for additional documentation via email but no direct phone calls or clear explanations. I diligently provided the requested materials, yet the lack of clear guidance caused delays in the dispute process. Every month it was a new request from them. In XXXX, the credit card company informed me over the phone that they were unable to recover the funds from the XXXX, holding me responsible for the full payment. As a result, my credit card balance has escalated to {$25000.00} due to their failure to effectively handle the dispute. 
While I acknowledge that I owed the XXXX  a significant amount due to special assessments, I intended to pay these charges in a more manageable way. This unexpected financial burden has left me struggling with substantial credit card debt and uncertainty about how to address it.

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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
After being involved in a not at fault car accident on XX/XX/year>, my vehicle was disabled and had to be towed to a tow yard while waiting on XXXX XXXX  to pick up vehicle for them to complete their inspection. During this time of 16 days including 5 weekend or holiday days, Capital One wrongly repossessed the vehicle making it un-accessible for XXXX to inspect the vehicle because they moved it to an auto auction lot. Once repossessed they disabled my online payment portal, and mailed a notice of intent to sell. I discovered my vehicle had been repossessed when I stopped by the tow yard on XX/XX/year> to pick up some personal items, and the vehicle was missing, but XXXX had not picked up the vehicle yet. After calling Capital One on XX/XX/year> and explaining the misunderstanding they assured my husband and myself that we were in the wrong and that they would sell my vehicle in 8 days if we didn't redeem it by paying the impound fees, a repossession fee, and the balance of the loan. I have attached a document that details the conversations, times, and individuals spoken to with Capital One during this process up to this point. We were forced to hire a lawyer to assist in delaying the sale of the car, getting access granted for XXXX to inspect the vehicle so we could complete our insurance claim, and to be allowed to make a payment on our vehicle to keep our loan out of default as we have never been late or missed a payment because Capital One was unwilling to work with us. We did successfully get an extension on the sale of the vehicle, and make a payment to keep our account current with the help of our lawyer. After two weeks of daily phone calls with Capital One, XXXX, and XXXX, we successfully had the vehicle moved to a shop of XXXXXXXX XXXX choice to have the vehicle inspected for the insurance claim. In the meantime, Capital One reported to the credit bureau 's that we had a repossession, tanking our credit and causing us to be unable to get the home loan we were pursuing. After filing disputes with the credit bureaus ', Capital One refunded the repossession fee to my account and removed the negative remarks from one of the three credit bureaus. Another credit bureau changed from repossessed to showing no data or payment for XXXX, and a payment in XXXX made on time. The third credit bureau still shows a repossession on our credit, and shows unknown status of our XXXX and XXXX payments. Our current balance on our loan is still reflecting storage fees of {$2200.00} that XXXX is responsible for. The vehicle has still not been settled as of XX/XX/year> due to this repossession slowing the entire process down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
This letter serves as a formal dispute of the charge-off account being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable.

The charge-off account in question is inaccurate, misleading, and unverifiable as currently reported. To comply with the FCRA, you are required to conduct a reasonable investigation and provide documented evidence that substantiates the accuracy and legitimacy of this account. If you can not provide such verification, you must delete this account from my credit report immediately.

Failure to properly investigate and correct or remove unverifiable information constitutes a violation of federal law and my consumer rights. I demand this matter be resolved promptly in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Subject : Formal Complaint Regarding Discrimination at XXXX XXXX Dear PNC Bank Customer Relations, On XXXX, I visited the XXXX XXXXPNC Bank branch to open a checking account. I provided all required documents, including my valid state ID, Social Security Number, and drivers license. The staff asked me about my refugee status, and when I explained that I am a refugee/asylee, the branch manager refused to allow me to open an account.

This decision is discriminatory and violates federal banking regulations. Refugees and non-citizens are legally allowed to open bank accounts in the United States with valid identification and Social Security Numbers. In fact, I know other customers in my situation who have successfully opened accounts at other PNC branches. 

The treatment I received was unacceptable, caused me humiliation, wasted my time, and constitutes discrimination based on immigration status. 

I request the following : 1. A formal investigation into this incident and the employees involved.

2. Written confirmation that PNC Bank does not discriminate against refugees and non-citizens.

3. Assistance in immediately opening a bank account, as I have the full legal right to do so.

If I do not receive a satisfactory response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX  XXXX Your Phone Number & Email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the TransUnion 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 : ACCOUNTS
: XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was told that bc they werent CURRENTLY allowing to change your Due Date I could always ask 4 a waiver 3 my late fee and get up. But then they switched up the rules mid-game. Now theyre NEVER going to work w/customers to set an amicable due date and NO you are not GUARANTEED a waiver if of your late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MA

Complaint narrative:
There is a medical collection on my report which I have asked that they remove per the XX/XX/XXXX ruling prohibiting it ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/ ). They have refused to do so.

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 2025-10-02 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-02 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: TX

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 : INQUIRIES : XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} 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 the
ft criminal complaint case number XXXX, 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 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$880.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Subject : Request for Debt Validation To Whom It May Concern, This is not a refusal to pay, but a request made pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) for validation of the alleged debt.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of all fees, interest, or other charges.

3. Documentation that you are authorized to collect this debt.

4. A copy of the original signed agreement or contract establishing the debt.

5. Proof that the statute of limitations has not expired.

Until you provide the above, you must cease all collection activities regarding this account, including reporting to credit bureaus. Please also note that I request all further communication be in writing only.

Thank you for your cooperation.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an account with the XXXX XXXX XXXX XXXX XXXX a personal line of credit. The few times I use this I pay the full balance each month. My XX/XX/2025 balances shows that my balance was {$0.00}, yet the credit union reported I was late to the credit bureau. 

When I called them to discuss they informed that even though I paid the full amount it was applied as principal only and thus there was past due interest amount of {$5.00} which was not reflected on my statement Their response was flippant and arrogant and they refused to correct this The result my credit score dropped XXXX points from a XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation