vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting has violated my rights.15 U.S.C 1681 Section 602 A. States i have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My mortgage was under a disaster deferment, which included five payments to be added to the end of the loan. I was reported late in the month after the 90-day deferment was processed. I requested the forbearance 16 days before the 90-day deferment was up. My mortgage company did not process it until the day after they reported the late payments to the credit bureau. I sent information to the credit bureau showing all the statements from the dates and everything, and they will not change the status to ND or deferred based on the information I sent them. I want a note added to my report for those payments that the mortgage company agreed to move to the end of the loan and should not be reported as late due to the disaster deferment and hurricanes XXXX and XXXX. I want a note added or the status changed. I don't think it's fair that you need help during a hurricane and get dinged for a national disaster, when the status could be changed to show that. The following XXXX for XXXX shows ND. So XXXX, XXXX, and XXXX show ND, XXXX shows 120 days, and then XXXX shows ND again. The reporting makes no sense. I just want a note added to that time showing that they were all defered, like they did in the previous month.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My mortgage was under a disaster deferment, which included five payments to be added to the end of the loan. I was reported late in the month after the 90-day deferment was processed. I requested the forbearance 16 days before the 90-day deferment was up. My mortgage company did not process it until the day after they reported the late payments to the credit bureau. I sent information to the credit bureau showing all the statements from the dates and everything, and they will not change the status to ND or deferred based on the information I sent them. I want a note added to my report for those payments that the mortgage company agreed to move to the end of the loan and should not be reported as late due to the disaster deferment and hurricanes XXXX and XXXX. I want a note added or the status changed. I don't think it's fair that you need help during a hurricane and get dinged for a national disaster, when the status could be changed to show that. The following XXXX for XXXX shows ND. So XXXX, XXXX, and XXXX show ND, XXXX shows 120 days, and then XXXX shows ND again. The reporting makes no sense. I just want a note added to that time showing that they were all defered, like they did in the previous month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-15 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: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 reviewed my credit report and noticed a fraudulent charge in my accounts

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to XXXX U.S. CXXXX XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * {$180.00} Date Opened : XX/XX/year> Under XXXX U.S. CXXXX XXXXa ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under XXXX U.S. CXXXX XXXXj - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CL Holdings LLC
State: TX

Complaint narrative:
Upon reviewing my credit report. i noticed fraudulent activities from these accounts listed below. I have spoken with companies representatives and have not received any word back to remove these fraudulent charges from my credit report, which is hurting my ability to obtain credit and possibly a new job offer. 

XXXX XXXX XXXX  XXXX {$2600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Reported an account opened XX/XX/XXXX XXXX for the amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I applied for the Chase XXXX  XXXX credit card on XX/XX/year>, through a link advertising a XXXX welcome bonus after {$4000.00} in purchases within XXXX XXXX. I signed up directly and based my decision to apply on that promotional offer. I was not informed it was a targeted promotion, and there was no indication that I wouldnt qualify. The representative I spoke to told me this promotion was until XX/XX/year> which I signed a month before when it was still going. 

After spending nearly {$5000.00}, I was told by Chase customer service that I actually only qualify for XXXX points, which was not the offer I applied under. I escalated the issue to a supervisor and submitted a secure message, but they refused to honor the original offer or match me to the current XXXX offer for XXXX spend. I have no email receipt on the total bonus amount was unaware I was not signed up for the XXXX offer I applied in good faith, and Im asking Chase to honor the XXXX bonus I believed I signed up for. I would like the CFPB to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Summary of Issue : My Apple Card, issued by Goldman Sachs, was suddenly closed due to a claimed violation of the customer agreement.

What I Want : I am requesting a formal explanation of why my card was closed under the Fair Credit Reporting Act and confirmation of whether this account closure was reported to credit bureaus as adverse action. I want specific instance where it was violated.

Impact : This closure has affected my financial standing, and I was given conflicting information and denied a proper resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I made a payment on my Capitol One credit card on XXXXXXXX XXXX,2025 at XXXXXXXX XXXX. They used the bank account card that they have in their system on file. they recorded the authorization for payment and then gave me a confirmation number. However, when the next billing statement arrived it had added that payment as past due. It was already paid. In doing a telephone complaint I gave them this exact information also. They request all card number information by phone with an actual employee and not XXXX. I did not verbally give them that information because they have that information on file along with the bank account number. They have refused to listen to that recorded submitted payment that has a confirmation number on it. They were told this and that I would not lay that verbal information out there. 
They requested all card number information to be released to an actual employee which could possibly use fraudulently! The bank is sending me a letter stating that those funds were available but they were not withdrawn by Capitol One on XX/XX/XXXX, XXXX XXXX although XXXX  gave me a confirmation number completing the payment by phone. They are to correct the error of their ways and and reach out to me so that this negative does not effect my credit with them. I can also give you the confirmation number per your agencys request, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX U.S. CXXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally express my deep dissatisfaction with the experience I had at XXXX XXXX in XXXX, Texasspecifically regarding the conduct of sales associate XXXX XXXX. 

On my initial visit, XXXX XXXX informed me that the vehicle I was interested in would arrive at the dealership within two days. He instructed me to place a {$500.00} deposit to reserve the vehicle, which I paid promptly. At the time of the transaction, I was assured by the manager, XXXX XXXX, that since I was using a debit card, any potential refund would be processed immediately if necessary. This, unfortunately, turned out to be untrue. 

Upon returning two days later as instructed, XXXX XXXX told me the vehicle had still not arrived and asked for an additional week. Out of patience and good faith in your dealerships reputation, I agreed. However, after another week passed, the vehicle still had not arrived, and I was met with continued excuses and vague responses. It became evident that XXXX XXXX had misled me about the availability of the vehicle. 

To make matters worse, I later discovered that XXXX XXXX had run my credit without my consent. This was done without my knowledge or authorization, and I consider it a serious violation of my privacy and trust. 

Throughout this process, I incurred unnecessary expenses traveling to and from the dealership multiple times and suffered considerable XXXX  and XXXX My requests to speak with management were ignored, and XXXX XXXX consistently deflected accountability. When I requested a refund, he was dismissive and made it difficult to obtain confirmation that my funds would be returned. 

This experience has been extremely disappointing and unprofessional. I feel that I was taken advantage of during a time of urgent need, and the lack of transparency and accountability demonstrated by your staff was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION ANF USED IT TO OPEN UP FRAUDULENT ACCOUNTS. PLEASE BLOCK AND REMOVE AND BLOCK THIS INCORRECT INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has put my quicksliver card on hold and called me the wrong time and I didnt answer the phone because I was asleep and then I called back and now they wanted documents from me and I refused provide that because I had send them documents in the past on this account and Im not gon na wait 14 days for answer so I requested for my credit card to be close and my {$1000.00} security deposit to refunded but they told me I have to wait 2 billing cycle and I havent use the card and never received the card so why give me my security deposit back right away. This is crazy. Plus Im moving soon I cant wait 2 billing cycle please give me my money back I dont want to send documents and I refuse do so on the quicksilver account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Iam responding to the dispute letters, which I have sent previously with FTC report. I have filed a dispute stating that The accounts reflecting on my report Are in accurate. The address which I only received mail a did not live at that location, Which is my grandmothers address. Small detail on my grandmother she is a XXXX XXXX woman who rents out her residence. Once again, these accounts are not mine. I did not open them under No circumstances and this is becoming a hindrance towards my life and a violation to my rights. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. XXXXi ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. As well I understand under XXXX U.S. CXXXX XXXX- Congressional findings and declaration of purpose Sec. a-c Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate Credit Reporting in Violation of FCRA XXXX XXXX Account # XXXX To Whom It May Concern, I am submitting this complaint regarding the reporting of late payments on my XXXX XXXXXXXX account ( # XXXX ), which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which requires furnishers to report accurate information.

I never used this card.

Please investigate this matter and ensure that my credit report reflects only accurate, fair, and substantiated information, in accordance with federal law.

Company response to consumer: Closed with explanation