vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I am dual-mortgage customer with Rocket Mortgage. I am writing to dispute a XXXX XXXX on my account, which resulted from a technical system error and a failure by the bank to provide adequate notice. 

On XX/XX/year>, I accessed my account via the mobile app to ensure both mortgages were enrolled in Auto-pay. I have a clear memory of completing the setup. However, the bank 's record show that this auto-pay was cancelled immediately after setup without my knowledge. This suggests a technical bug or 'loading error ' within the mobile interface that failed to confirm the cancellation to me, leading me to believe the account was secure. 

Furthermore, the bank failed in its duty to notify me of the subsequent missed payments : - Dual-account precedent : My other mortgage ( which has a balance XXXX larger than the one in question ) has been successfully on auto-pay. All my bank details were already saved, verified in the system and shared between the XXXX loans. 

- Failed Notification : I have XXXX email addresses on file. The bank only sent automated notices to an older, secondary email that is not my primary login or updated contact method. No notice was sent to my primary account. 

- Lack of XXXX XXXX : The bank sent no physical letters or clear messages regarding the XXXX marks. The only contact attempted was via XXXX calls ' that lacked caller ID and required an immedicate XXXX entry - appearing to a phishing scam rather than a legitimate bank outreach. 

Due to a family emergency during this period, I was not monitoring my secondary email. I only discovered this issue today. I immediately paid the full past-due balance and re-enrolled in auto-pay with customer services help. The bank 's failure to maintain a stable auto-pay interface and their failure to use my primary contact method has caused my XXXX score to drop by XXXX points, jeopardizing my ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint because Capital One has refused to work with me after I lost my job due to the government shutdown. My loss of income was involuntary and outside of my control. 
As soon as I became aware that I would be unable to make my payments, I contacted Capital One to request temporary hardship assistance, payment arrangements, or any available relief options. Despite explaining my situation and my willingness to pay once my employment resumed, Capital One declined to offer any meaningful assistance or alternatives. 
I believe Capital One failed to reasonably consider my hardship and did not provide fair options for a customer experiencing a temporary, documented loss of income. I am requesting that Capital One review my account for appropriate hardship relief, fee reversal, or payment accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not affiliated with these accounts ; they must be taken off within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an offer in the mail to apply for a new credit card with fifth third bank in XXXX with the promotion of receiving {$200.00} in reward points by spending {$1000.00} in the first XXXX  days. I applied online and was approved. I finished the spending requirement in XXXX ( charged {$1000.00} on XX/XX/18 ). I never got the {$200.00} bonus even after I paid off the full balance in XXXX. I was supposed to get my bonus within XXXX weeks after meeting the spend requirement. I called fifth third multiple times in XXXX and XXXX but they either transferred me to the rewards department which didn't staff their phones or told me to go to a physical branch. I don't live near any of their branches and am XXXX  so I ca n't drive anyway. They left me with no options to communicate or try to resolve my issue about the missing bonus that I earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
An account was open under my name in fraud, TD Bank Retail Card Services - XXXX XXXX  denied my claim. They send " proof of purchase '' which was a a receipt with my name but not my signature. Very little useful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-26 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, from XXXX XXXX XXXX  XXXX , XXXX from XXXX  XXXX, XXXX from XXXX  XXXX, XXXX from XXXX  XXXX, XXXX from XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX, XXXX from XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, from XXXX XXXX XXXX  XXXX , XXXX from XXXX  XXXX, XXXX from XXXX  XXXX, XXXX from XXXX  XXXX, XXXX from XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX, XXXX from XXXX, 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX of facts : On XX/XX/year> I and the recipient went to the Truist Bank in XXXX to have some money transferred to repay a debt. The tellers at the counter were unfamiliar with ACH transfers and said they could only do a wire transfer or a counter check. They wanted to charge {$30.00} for the wire transfer, when I ask them to waive that fee they spoke to someone on the phone presumably XXXX and said I would have to speak to someone else and directed us to wait. The recipient proposed a tellers check which he would then cash, the tellers didn't like that either because of the amount. Eventually XXXX came out of his office and called us in, he processed the wire transfer without discussing a fee or indicating a fee in the signature documents leading us to believe he had waived it. After he processed it he said that'll be a {$30.00} charge to your account. When he was advised I did not want to be charged the fee he said he will reverse the wire transfer. That apparently never happened. The recipient, irked at the situation, told XXXX he would take a counter check and present it for cash if he insisted on not waving the wire transfer fee. XXXX said too late, I already sent the wire transfer and until it gets rescinded the money is not available. 

XXXX knew or should have known there was an issue with the {$30.00} wire fee charge after speaking with the tellers at the counter. XXXX should not have processed the wire transfer without first indicating a fee charge. In all the documents I signed there was no statement of a fee. Additionally while XXXX said he was going to rescind/reverse the wire transfer he apparently did so without any signed documents. The wire transfer resend/reverse has not gone through at this point. Now XXXX claim is the recipient needs to authorize it as shown in his email. 

Additionally when the tellers and XXXX were presented with the option of waving the wire transfer fee or processing the cash it should have been a no-brainer.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 am disputing multiple accounts appearing on my credit report that are completely unknown to me. I have never opened, authorized, or managed these accounts, nor was I aware of them until reviewing my credit file. Reporting accounts under my name that I do not recognize is unacceptable and results in inaccurate and misleading information being associated with my financial history. I take the accuracy of my credit report seriously, and the presence of these unknown accounts has caused significant concern.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not have any relation to these accounts ; deletion within 15 days is required under USC 1681g.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good day, I can not stress enough how frustrating and debilitating this situation is. 
One day, I woke up to discover a debt that I know nothing about, which is unverified and not mine. 
I have been receiving harassment through multiple communication platforms using various tactics. 
I never imagined starting my day with threats of legal action. 
This is deeply insulting to me as a XXXX XXXX, with my consumer rights blatantly violated. 
It is taking a significant toll on my mental health, leading to sleepless nights for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-26 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief