vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XX/XX/year>, I applied for and was accepted for OneMain Brightway credit card. I was told I would receive it in 10 business days. As of today, I have not received the credit card. 

I called customer service at XXXX on XX/XX/year>. There is no way to speak to a live person and there is no way to cancel my account. I found their email address and sent an email requesting my account be closed. I didn't find an address to mail a letter requesting this my account be closed. 

As of this morning, XX/XX/year>, they have charged me {$75.00} annual fee for a card I never received and tried to cancel before they billed me for this fee. This company is very dishonest and I do not wish to do business with them. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Prosper.com has {$25000.00} of my money is uses to invest to loans, providing me modest returns. I am trying to withdrawal my money due to poor returns and they refuse to allow me to correct my bank account for the transfer. I have called for a week, left many messages, sent emails, and despite their promise to call me so I can update my banking information, they refuse. They also route me all around on the phone, just stalling.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Im writing regarding an account currently listed on my credit report. I need immediate confirmation in writing that every single piece of information attached to this account can be fully certified as mine.

Let me be absolutely clear : Im not just asking whether this account exists in your records. Im demanding that you verify and certify that every detail tied to this account including the name, Social Security number, address, date of birth, phone number, employment information, and any associated activity is 100 % accurate and specifically linked to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
On XX/XX/XXXX I opened an account dispute on my Experian Credit Report to remove XXXX XXXX XXXX Account # XXXX regarding a XXXX  account, On XX/XX/XXXX Experian responded that the collection Agency : XXXX XXXX XXXX  will stay on my credit report. 
I am disputing this collection account because I never signed an agreement with the collection agency, which makes the debt invalid under the fair Debt Collection Practices Act ( 15 USC 1692 et seq ) Additionally, the reporting of this account violates the Fair Credit Reporting Act ( 15 USC 1681 et seq ) which requires accurate and fair credit reporting.

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 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
How theytry to overpriced the car in the first contact how they let me take the car off the lot without it being approved how they scammed me into paying a high interest rate how each contact have different prices how they Discriminated me because because i'm a woman how he took advantage of his position to trick scam and fraud me out of a good deal how I was lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX UNIT XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Complaint Basis : Untimely response to a formal CFPB complaint submitted XX/XX/year> I am filing this complaint to report Transworld Systems Inc. ( TSI ) for failing to comply with response deadlines established by the Consumer Financial Protection Bureau. My original complaint regarding a disputed account was submitted on XX/XX/year>, and TSI did not provide any reply until XX/XX/year>, well beyond the expected 15-day response window as outlined in CFPB guidelines. 

The CFPBs standards specify that companies are expected to respond within 15 calendar days of complaint submission. No extension was requested or communicated to me. No meaningful update was logged in the CFPB portal prior to their late upload. The only reason they responded at all appears to be in reaction to mounting pressure from my end not a good-faith effort to resolve the issue. 

Moreover, the content of their late response lacked any new documentation, did not address the specific claims in my complaint, and failed to fulfill their legal obligations under the FDCPA and FCRA. It appears this was a last-minute placeholder submitted solely to prevent escalation, not a legitimate resolution attempt. 

This delay undermines my rights as a consumer and reflects a broader pattern of neglect, avoidance, and procedural misconduct. It is part of a series of CFPB complaints I have made against TSI, each met with untimely or vague responses, further illustrating their lack of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/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 2025-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account XXXX : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
As I have stated multiple times and will reiterate for the record : I have no knowledge of this debt, never opened any XXXX XXXX account ending in XXXX, and did not authorize any such account. This account appears to be the result of identity theft, as multiple fraudulent accounts were opened in my name years ago. I have previously placed fraud alerts and credit freezes through the credit bureaus, and have already had one such account removed via court proceedings. This is not my debt, and I am not legally responsible for it. Your continued reporting of this account to the credit bureaus is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am demanding the immediate removal of this account from all credit reporting agencies, and written confirmation that your company has permanently deleted this account from its systems. Any further delay or refusal to correct this knowingly false reporting will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I am also prepared to pursue civil legal action for damages, attorney fees, and all remedies available under the law. You are now on notice of the fraudulent nature of this debt, and I will hold your company fully accountable for any continued harm caused by this unlawful and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-06-20 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:
XXXX report number Re : Urgent Request for Deletion or Correction of Negative Payment History Due to Federally Declared Disaster Account Number : XXXX Creditor : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX This letter serves as a formal and time-sensitive follow-up to my previous dispute submitted on XX/XX/XXXX, regarding the inaccurate and unfair negative payment history being reported on my XXXX auto loan account. The late payments recorded for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX occurred during a period of severe and federally declared hardship caused by the Texas hurricane disaster of XXXX. As a resident of XXXX XXXX, Texas, I was directly affected by this catastrophic event. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request immediate reinvestigation and correction or deletion of the disputed information : FCRA 611 ( 15 U.S.C. 1681i ) requires credit furnishers to conduct a reinvestigation of disputed information within 30 days and remove or correct any data that is inaccurate or unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers report with maximum possible accuracy. Reporting derogatory data from a period of disaster-related financial instabilitywithout noting the context or offering forbearanceis inaccurate and misleading.

CFPB guidance, including Bulletin 2017-01, emphasizes that furnishers are expected to accommodate consumers affected by natural disasters by avoiding the reporting of negative information when it stems from conditions outside their control.

Despite my previous submission of relevant documentation, I have been informed that the company is still reviewing the complaint. This delay violates the 30-day statutory deadline unless justified by supplemental information, which has not occurred. Therefore, I am now demanding immediate action : Update or delete all derogatory payment information for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; Change the status to Paid as agreed or No data reported for those months ; Provide me with written confirmation of the results of your reinvestigation within 10 days of receipt of this letter. 

If this matter is not resolved immediately, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office, and I will explore all legal remedies under the FCRA for noncompliance. 


This is a good-faith request for fair and accurate credit reporting, in alignment with federal law and disaster relief policy. 

Sincerely, 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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One Bank ( USA ), N.A. regarding an excessive and unexplained delay in the availability of funds from a mobile check deposit, which I believe may violate the Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) and Regulation CC ( 12 CFR 229 ). 



On XX/XX/year>, I deposited a check for the amount of {$1000.00} into my Capital One account via their mobile banking application. My account has been open since XX/XX/year>, well beyond the 30-day threshold for new account exception holds. The bank has placed a hold on the check until XX/XX/year> ; a full XXXX calendar days ( XXXX business days ) after deposit. 



The deposited check amount was under {$5500.00}, and there is no indication that the account has experienced repeated overdrafts or that the item was suspected to be uncollectible. Furthermore, Capital One did not provide a written notice at the time of deposit or afterward explaining the reason for the extended hold or identifying the applicable exception under Regulation CC.

To my understanding, unless an exception hold applies and is properly disclosed in writing, Regulation CC requires that mobile deposits be made available no later than the second business day after deposit. The unexplained delay and failure to provide notice may therefore be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX, JPMorgan Chase Bank ( account ending in XXXX ) froze and removed approximately {$5100.00} from my personal checking account after receiving a UCC lien notice from a third-party collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This XXXX occurred without any prior notice, no lawsuit, no court judgment, and no court-ordered garnishment. 
The collection agency appears to have submitted a UCC-1 lien filing , but this is not a valid enforcement tool under Georgia law . A UCC lien does not authorize Chase Bank to seize funds from a personal account without proper due process. 
I was never sued, served, or given an opportunity to dispute the debt. Chase Bank and the collection agency acted outside of their legal authority. This constitutes unauthorized conversion of funds, breach of fiduciary duty, and a violation of my consumer rights. 
I have demanded that Chase return the funds and provide documentation, but have received no valid legal justification. I am requesting that the CFPB investigate and assist with the return of the {$5100.00}, and hold both parties accountable. 


Who did you have the issue with? 
Chase Bank XXXX JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Collection ) What type of product is this about? 
Bank account or service Checking account What type of issue? 
Funds were incorrectly or unfairly taken from my account Account was improperly frozen or restricted What do you want the company to do to resolve your issue? 

I am demanding the immediate return of the {$5100.00} that was wrongfully removed from my personal Chase account, along with a formal investigation and written explanation of the legal basis used. 

I am also requesting that the CFPB review whether the collection agencys conduct violated the Fair Debt Collection Practices Act ( FDCPA ) or state garnishment laws, and that appropriate regulatory enforcement is taken if unlawful activity occurred.

Company response to consumer: Closed with explanation