vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a long-time Capital One customer and have used their auto-pay feature for years to pay my credit card balance in full every month. Without my knowledge or consent, Capital One changed my auto-pay settings to only pay the minimum balance in XX/XX/year>. As a result, my balance unexpectedly ballooned to over {$9000.00}. 

When I contacted Capital One, they claimed that I had requested this changesomething I never did. I asked for proof of this alleged request, but they refused to provide any, citing " work product. '' This refusal raises serious concerns about their transparency and business practices. 

This is not just a personal issueit could be a larger systemic problem affecting other customers, potentially allowing Capital One to profit from unauthorized changes that drive up interest payments. I urge the FTC to investigate whether this is a widespread tactic used to exploit consumers.

Requested Resolution : 1. A full reversal of all interest charges incurred due to this unauthorized change.

2. A formal acknowledgment from Capital One admitting their error. 

Capital One should not be allowed to unilaterally alter financial agreements without customer consent. Their refusal to provide proof suggests deceptive practices that warrant immediate scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of two late payments reported on my account, I take great pride in maintaining a strong payment history and responsible credit usage. Unfortunately, these late payments were due to my area being flooded here in XXXX, FL and I was struggling to make ends meet. Since then, I have taken steps to ensure that all payments are made on time, including setting up automatic payments and closely monitoring my account. 

I kindly ask for a goodwill adjustment to remove these late payments from my credit report as a gesture of goodwill. I greatly appreciate your consideration, as this adjustment would help me maintain a positive credit standing and continue my long-standing relationship with Affirm. 

Please let me know if any further information is required. I appreciate your time and assistance in this matter and look forward to your response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute of Incorrect Items and Unauthorized Inquiries on My Credit Report Dear EXPERIAN I am writing to formally dispute inaccurate information and unauthorized inquiries on my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, which imposes civil liability for willful and negligent noncompliance, as well as 15 U.S.C. 1692g and 15 U.S.C. 1681b, which regulate permissible purposes for credit inquiries.

Upon reviewing my credit report, I have identified several errors that require immediate correction. The following accounts and inquiries appear to be inaccurate or unauthorized : 1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$8900.00} that I have no knowledge or status, of date it was open XXXX XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$2300.00} that I have no knowledge or status, of date it was open XX/XX/XXXX XXXX. Unauthorized Inquiry by Company Name**XXXX XXXX XXXX** inquired was open on XX/XX/XXXX, an also **XXXX** inquired was open on XXXX XXXX in my rights to better my credit I fell if these two inquiries were not approved by my knowledge and was unauthorized and I request for them to be removal Legal Basis for My Dispute - 15 U.S.C. 1681b : This section of the FCRA outlines the permissible purposes for accessing a consumer 's credit report. If any listed inquiries were made without my authorization or a legitimate purpose, they are a direct violation of federal law. 
- 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide validation of debts. If the inaccurate accounts are being reported by debt collectors without proper validation, this is a violation. 
- 15 U.S.C. 1681o : This section holds parties civilly liable for negligent noncompliance with the FCRA. Reporting inaccurate information or failing to correct errors upon dispute constitutes noncompliance. 

**Requested Actions** I formally request the following actions : 1. **Immediate removal of all inaccurate items** from my credit report. 
2. **Deletion of unauthorized inquiries** that were made without my consent. 
3. **A full reinvestigation** into the disputed accounts and inquiries. 
4. **A written response** detailing the findings of your investigation within 30 days, as required by the FCRA. 


. I appreciate your immediate attention to this dispute and look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute of Incorrect Items and Unauthorized Inquiries on My Credit Report Dear EXPERIAN I am writing to formally dispute inaccurate information and unauthorized inquiries on my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, which imposes civil liability for willful and negligent noncompliance, as well as 15 U.S.C. 1692g and 15 U.S.C. 1681b, which regulate permissible purposes for credit inquiries.

Upon reviewing my credit report, I have identified several errors that require immediate correction. The following accounts and inquiries appear to be inaccurate or unauthorized : 1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$8900.00} that I have no knowledge or status, of date it was open XXXX XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$2300.00} that I have no knowledge or status, of date it was open XX/XX/XXXX XXXX. Unauthorized Inquiry by Company Name**XXXX XXXX XXXX** inquired was open on XX/XX/XXXX, an also **XXXX** inquired was open on XXXX XXXX in my rights to better my credit I fell if these two inquiries were not approved by my knowledge and was unauthorized and I request for them to be removal Legal Basis for My Dispute - 15 U.S.C. 1681b : This section of the FCRA outlines the permissible purposes for accessing a consumer 's credit report. If any listed inquiries were made without my authorization or a legitimate purpose, they are a direct violation of federal law. 
- 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide validation of debts. If the inaccurate accounts are being reported by debt collectors without proper validation, this is a violation. 
- 15 U.S.C. 1681o : This section holds parties civilly liable for negligent noncompliance with the FCRA. Reporting inaccurate information or failing to correct errors upon dispute constitutes noncompliance. 

**Requested Actions** I formally request the following actions : 1. **Immediate removal of all inaccurate items** from my credit report. 
2. **Deletion of unauthorized inquiries** that were made without my consent. 
3. **A full reinvestigation** into the disputed accounts and inquiries. 
4. **A written response** detailing the findings of your investigation within 30 days, as required by the FCRA. 


. I appreciate your immediate attention to this dispute and look forward to your response. 

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 2025-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: MS

Complaint narrative:
This is the second complaint to XXXX. 
CMG Mortgage retaliated against the borrower by selling the loan to another company and has not corrected the wrongfully force placed insurance. 
CFPB is obviously confused to say the least of a mortgage company responding to a published complaint and then closing the case. 
CMG mortgage gave CFPB my vehicle paperwork and non of you glorified attorneys bothered to checked the attachments uploaded to your website. 
CMG mortgage went to XXXX XXXX and stated to keep me in a {$6300.00} policy knowing policy was canceled and refused to pay my new insurance company obtained on XX/XX/year> and go into effect XX/XX/year>. 
XXXX mortgage failed to apply my escrow funds to my new homeowners insurance policy on XX/XX/year> with Orchid policy number XXXX through XXXX. 
CMG mortgage violated XXXX and Title X when said company knowingly XXXX ). Failed to send notification paper work on forced placed insurance if such actions warranted in XXXX of 2024 XXXX ). Failed to pay Orchid for homeowners insurance XXXX ). Slighted me by undermining free market on shopping for insurance again in XXXX ( which is what I suspect happened in my case as a kickback would pertain ) XXXX ). Failed to accept Declaration Page from XXXX of XXXX but acknowledges cancellation in XXXX for nonpayment of premium XXXX ). Charging an absorbent amount of money for an error that arose out of XXXX Mortgage egregiousness and unfair treatment XXXX ). Moreover, CMG Mortgage has sent a letter stating the errors would be corrected and then renigged with another letter. 
What part of estoppel does this company not understand?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
I sent Bounce AI a XXXX debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-28 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-28 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: OH

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 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 2025-02-28 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: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of the ones reported These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of the ones reported These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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