vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts i marked as inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: OR

Complaint narrative:
I received a packet from the DMV here in Oregon to be able to request my title from Bridgecrest to register my car. In this packet was a money order made out to the DMV, which was supposed to be sent to the dmv by bridgecrest along with the packet and title that was also sent to them. I contacted bridgecrest after they had told me they sent my title to the DMV, and the DMV told me they never recieved the money order so they could not process the rest of the registration without it. I contacted bridgecrest who told me they had no idea where the money order was and didn't have any information about it. I had to go back to the DMV and pay them the amount that was on the money order that bridgecrest never sent them. It was for {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with XXXX XXXX XXXX account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX following all designated instructions and all these payments were on autopay. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.

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 2025-03-15 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: SC

Complaint narrative:
I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with XXXX XXXX XXXX account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX following all designated instructions and all these payments were on autopay. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
On XX/XX/year> Employees of the newly-formed Department of Government Efficiency ( DOGE ) accessed XXXX databases with extremely sensitive data on nearly XXXX XXXX student loan borrowers and their families. The information includes Social Security numbers and bank records. DOGE access breached the terms of contract regarding selling my information to another entity. Although there may not have been a specific monetary denomination exhanged to gain access to my loan information, external access by anyone other than my lender, was not authorized, nor was consent obtained from me, the account holder.

A breech in contract would nullify the loan and render the loan and its repayment terms canceled.

My PPI should not be viewed, used, disseminated, or reviewed at DOGE 's convenience for any reason without my consent. This was an abuse of power and position as a federal entity. 

A link to associated articles is provided for quicker resolution. 

hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
XXXX Account XXXX : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting a late payment. However, I made all payments on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law.

The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting this error for reference. The incorrect late payment is reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

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 2025-03-15 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: TX

Complaint narrative:
XXXX Account XXXX : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting a late payment. However, I made all payments on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law.

The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting this error for reference. The incorrect late payment is reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I received a copy of judgement in the mail from 16 years ago stating that a owed money to Midland Funding on XX/XX/year>. 
I'm a XXXX XXXX over the age of XXXX and my information with I know has my personal including my social security was sent to a employer ( XXXXXXXX XXXX XXXXXXXX ) payroll department stating that they are garnishing my pay. The issue here is I don't work for the XXXX XXXX XXXXXXXX I already can't file my taxes without XXXX  now I needed to pay for identity protection because my information has been expose to I don't know how many people I don't know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I signed up and was approved for a Capital one XXXX XXXX. This card costed XXXX dollars, and when I requested them to send me a card, they did not help me. They sent me a link saying to upload my license to confirm my identity and it would take 1-10 business days. They ghosted me and never gave me a response as of the date of writing. Due to them not helping me, I requested the card to be shipped in late XXXX ( over a month since I opened the account ) to my mailing address. 
On XX/XX/XXXX when I got the card, Capital one restricted my account stating " suspicious activity ''. When I called on Sunday XX/XX/XXXX, the customer service agent promoted me with the same 1-10 day upload prompt. I told her how I got ghosted and they didn't seem to care ( The customer service agents name was XXXX ). After doing all the uploading again, I called almost every day and they have been stonewalling me and not helping me. One time when I called in on Wednesday XX/XX/XXXX, XXXX customers service agents ( their names were XXXX and XXXX ) were verbally fighting on phone and hung up on me. The last time I called the customer service line, the manager outright said that they will not communicate with me, and insulted me on call after stating that it's been 10 business with no help. They even said that they can connect me with the people who are in charge of helping me, communicate with me, provide me a timeframe, or even give me an update. Their customer service were rude and disrespectful. They took XXXX of my dollars and are not providing me with what I paid for. It's been over 2 months with constant issues and no help from their customer service. I have done everything they asked for promptly, and they have been scamming me out of my XXXX dollars. Below I attached the email I got in XXXX where I uploaded my documents and got ghosted. I also pasted the most recent one in which I uploaded my state issue drivers license. Also, I put the account restriction that is prompting this complaint. I have spent several hours and over XXXX calls and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX with first XXXX digits of account number ( XXXX ) due to identity theft. Experian denied to follow up with investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! Experian has not attempted to remove nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting my vehicle and move forward with my financial life. Experian violates my right as a consumer, as well as federal laws.

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 2025-03-15 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: TX

Complaint narrative:
XXXX XXXX  ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX  account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law.

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly show a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

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 2025-03-15 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and express my concern regarding your failure to conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, I have received generic responses without proper investigation into the inaccuracies I reported. 

The following items are inaccurate and should be corrected or removed : Unverified Late Payments : Late payment records have not been properly verified with original creditors, yet they remain on my report. Under the FCRA, unverified information must be corrected or deleted. 

XXXX XXXX  XXXX XXXX {$720.00} Account # XXXX Late Payment Reporting : XX/XX/2024 XXXX XXXX XXXX XXXX {$8800.00} # XXXX Late Payments Reporting : XX/XX/2024, XX/XX/2024, XX/XX/2024 In accordance with the Fair Credit Reporting Act your company is in clear violation under 15 USC 1681 SECTION 602 states I have the right to privacy.15 USC 1666 ( b ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. My privacy rights as a consumer have been violated.15 U.S.C. 1681 ( b ) - permissible purpose of consumer reports, The LAW states : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this information on my credit report?

Furthermore, the FCRA 15U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.- Except as provide in paragraph ( 3 ), the term Consumer report does not include- ( A ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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