vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The company denied my purchases, stating they could not verify my identity. I received the following message : " Your mode of communication for delivering the one-time passcode is not updated with us. As a result, we are unable to process your transaction at this time. 
Please contact the phone number on the back of your card for further assistance. '' The company never sent a passcode and upon trying to navigate their system, they continued to tell me to just wait an hour and try again. 

Eventually I contacted the company and was then told the merchants I tried to use were international. This is false. The merchants are large, well-known businesses based in the U.S. When I mentioned the message I received and the steps it said to take, they claimed they had never seen it before and had no idea what it referred to. 

I was then escalated to another person and told I needed to verify my identity further by answering XXXX security questions. Questions that they claimed to have pulled offline but non had anything to do with me, I did not recognize the people or places in the questions and let the csr know. So they said I had to upload a copy of my driver 's license instead but I doubt this will rectify the situation, I'll most likely be told something different next week after they verify the information or it'll be a struggle to charge the smallest amount. 

That said, based on similar complaints filed with the CFPB and the BBB and in forums involving credit cards, this seems to be a recurring pattern. Customers apply and are approved, the company charges a {$170.00} fee, and then denies access to the card. 

For instance, I attempted XXXX purchases, XXXX for {$51.00} and another for {$240.00}, both on XX/XX/year>. Both were denied. I called and was told to try again. Later, I was told the card had been frozen due to an inability to verify my identity. The card had only been active for XXXX days. 

Now I have a card I can not use and a {$170.00} annual fee I am expected to pay. Again multiple consumers have reported via XXXX, XXXX, CFPB, etc. that they receive the card, have the annual fees taken out and then the card is no longer allowed to be used citing some issue and sometimes no valid explanation at all. 

Every time I speak with a representative, I am given different information or told to try again, which leads nowhere. 

This feels extremely predatory. I am a senior and feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed a fraudulent charge that appeared on my credit card and I provided an FTC as well as police report and my credit was subsequently reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct and update the late payments on my credit report. 
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 2025-07-18 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CT

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 2025-07-18 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 writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXXdditionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing this account immediately.

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 2025-07-18 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In early XXXX I called multiple times and talked to customer service representatives multiple times asking if it's ok I have a payment plan for taxes they said this was approved if I could show proof of the plan. I faxed over proof and received a letter that an escrow account was made on my mortgage which would higher amount from XXXX to XXXX a month. I spoke at multiple people and they said that as long as I had proof of plan escrow will be refunded and taken off but this never happened. I finally was transferred to escrow person and they said customer service never should of told me that because it's not accurate they do not allow plans. I paid XXXX on taxes and she told me I was still going to be charged that in escrow even if I paid directly to the county. I've asked for a supervisor multiple times they always say they are not available. They say I don't have insurance every month even though I do harrass me with letters phone calls constantly. I have to fight the fact that I do have insurance and stay on the phone with them often just to have them reimburse me after being incorrectly charged. They are extremely unprofessional and constantly badger their customers when they do not provide accurate information and in result I now have an escrow account with a larger payment due to their lack of training and knowledge of customer service representatives. I have never dealt with this with any mortgage company and just want then to do what's right. I did everything I was asked and now I have the escrow account that is extremely higher. This is just not right and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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> I filed a fraud dispute with chase for unauthorized charges on my account from XXXX. They denied the claim because they said the name matches my chase account. Obviously someone open a XXXX  account and used my information to take money out. The amount was {$42000.00}. After that chase placed a stop payment on my account but every month XXXX still is able to take money out of my account. Also on XX/XX/year> there was additional unauthorized charges from kraken. It seems like someone is opening XXXX  accounts and taking money out but chase still denied my claim for this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I discovered that my credit report is reflecting multiple inaccurate and unverifiable negative accounts, as well as hard inquiries that I never authorized. Despite previous disputes, the credit bureaus and the reporting creditors have continued to report this information without providing proper documentation to validate the accuracy of the accounts. Some entries list incorrect payment histories, inflated balances, or accounts that do not belong to me. Additionally, inquiries made on various dates appear to have been pulled without my knowledge or consent, which constitutes a violation of the Fair Credit Reporting Act. I have taken all reasonable steps to request verification, including written disputes, but the issues remain unresolved. The continued reporting of this erroneous data has caused undue harm to my credit profile, affecting my ability to obtain credit and fair terms. I am now requesting that this matter be formally reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX, and TransUnion are reporting an outdated and inaccurate XXXX debt that should have already been deleted entirely from my credit report, not merely marked as closed. 

On XX/XX/year>, I submitted a payment of {$13.00} to the XXXX XXXX and XXXX XXXX ( XXXX ) via XXXX  ( Tracking ID : XXXX ) for the resolution of this debt, associated with account number XXXX. The payment was processed via ACH debit from my personal checking account and finalized by XX/XX/XXXX. 

After making the payment, I submitted a formal ticket with XXXX Debt and Claims Management, requesting both a paid-in-full letter and a formal request for credit bureau deletion, which XXXX has acknowledged. My ticket number is XXXX ( submitted XX/XX/year> ). 

XXXX has clearly stated they do not maintain delinquent items on consumer credit files once the debt is resolved. Therefore, this debt should no longer be appearing on any consumer reporting agencies files. 

However, as of today : TransUnion is still reporting the debt as closed but not deletedthis is misleading and fails to meet the standard of accuracy required under the FCRA ( 15 U.S. Code 1681i ). 

XXXX and XXXX  are still reporting the item as open and derogatory, despite its resolution. 

I am requesting the immediate deletion of this XXXX tradeline from all three credit bureaus, as it is resolved, paid in full, and no longer verifiable or reportable under FCRA rules XXXX The continued presence of this item is harming my creditworthiness and constitutes inaccurate reporting under federal law. 

Additionally, XXXX has acknowledged my payment in full and has stated that they would provide a letter confirming both payment and a request for deletion from the credit bureaus. XXXX policy does not support continued credit reporting once a debt is resolved, and the credit bureaus are therefore acting inconsistently with both the furnishers instructions and the legal standard of data accuracy. 

If the bureaus are unable to obtain current and verifiable documentation from XXXX proving the account is still reportable, they are legally obligated to remove it under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 

I am requesting written confirmation from each bureau once the tradeline has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX, and TransUnion are reporting an outdated and inaccurate XXXX debt that should have already been deleted entirely from my credit report, not merely marked as closed. 

On XX/XX/year>, I submitted a payment of {$13.00} to the XXXX XXXX and XXXX XXXX ( XXXX ) via XXXX  ( Tracking ID : XXXX ) for the resolution of this debt, associated with account number XXXX. The payment was processed via ACH debit from my personal checking account and finalized by XX/XX/XXXX. 

After making the payment, I submitted a formal ticket with XXXX Debt and Claims Management, requesting both a paid-in-full letter and a formal request for credit bureau deletion, which XXXX has acknowledged. My ticket number is XXXX ( submitted XX/XX/year> ). 

XXXX has clearly stated they do not maintain delinquent items on consumer credit files once the debt is resolved. Therefore, this debt should no longer be appearing on any consumer reporting agencies files. 

However, as of today : TransUnion is still reporting the debt as closed but not deletedthis is misleading and fails to meet the standard of accuracy required under the FCRA ( 15 U.S. Code 1681i ). 

XXXX and XXXX  are still reporting the item as open and derogatory, despite its resolution. 

I am requesting the immediate deletion of this XXXX tradeline from all three credit bureaus, as it is resolved, paid in full, and no longer verifiable or reportable under FCRA rules XXXX The continued presence of this item is harming my creditworthiness and constitutes inaccurate reporting under federal law. 

Additionally, XXXX has acknowledged my payment in full and has stated that they would provide a letter confirming both payment and a request for deletion from the credit bureaus. XXXX policy does not support continued credit reporting once a debt is resolved, and the credit bureaus are therefore acting inconsistently with both the furnishers instructions and the legal standard of data accuracy. 

If the bureaus are unable to obtain current and verifiable documentation from XXXX proving the account is still reportable, they are legally obligated to remove it under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 

I am requesting written confirmation from each bureau once the tradeline has been removed.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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