vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW generated hard inquiry on XX/XX/XXXX without my permission and also on the wrong vehicle that was not belong to me. 

I was informed by the dealer that my reserved vehicle was ready to pick up on XX/XX/XXXX and they ran the hard inquiry on XX/XX/XXXX again. 

I have requested to dispute one of hard inquiries above. I did receive the letter that they will send the update to the credit agency. As of today XX/XX/XXXX, it has not been reflected on my credit report/agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I'm requesting immediate action regarding an account that appears on my credit report. I need written confirmation that every single piece of information associated with this account can be fully certified as accurate and belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IN

Complaint narrative:
My account was closed due to a notary that they claimed they didnt receive. But I spoke to a representative and gave them the information that they needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-04-28 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: NJ

Complaint narrative:
there was no proper communication between myself and the XXXXXXXX XXXX XXXX XXXX XXXXXXXX. there was no validation of debt or proof of that validation sent to me

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 2025-04-28 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. Please provide the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send an updated copy of my credit report after your re-investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-28 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: OK

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I checked my credit report to find that there is still information that is FALSELY INACCURATE DUE TO NOT BEING PROVIDED WITH ANY PROOF OF DELINQUENCY WHICH HAS CAUSED ME DENIAL FOR SOME EMPLOYMENT A CREDIT CARD AND HOME. I HAVE BEEN ON MY OWN SINCE I WAS 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 2025-04-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am reaching out regarding multiple billing and reporting errors that are severely damaging my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately post payments and correct errors promptly. However, I have identified several serious problems : payments I made were either not properly recorded or miscalculated, and I was not given the required 21-day notice before a payment due date. As a result, the late payment notations reported against me are both inaccurate and unlawful. These errors are a blatant violation of my rights and are negatively affecting my creditworthiness.

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 2025-04-28 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and handling of my personal and educational records maintained by [ Institution Name ]. This dispute is submitted pursuant to my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Gramm-Leach-Bliley Act, 15 U.S.C. 6801, which collectively protect the confidentiality, accuracy, and security of personally identifiable information. 
Specifically, I dispute the following : ( XXXXXXXX XXXX XXXX XXXXXX/XX/2024, XXXX ) Under FERPA, I am entitled to request the amendment of records that I believe are inaccurate, misleading, or in violation of my privacy rights. Additionally, under 15 U.S.C. 6801, your institution is required to ensure the protection of sensitive information, including safeguards against unauthorized access or misuse.

I respectfully request the following : A formal investigation and correction of the disputed information.

A written statement of findings and any amendments made.

Assurance that my rights under FERPA and federal privacy laws have been upheld.

Please respond within a reasonable time frame, as required by law. Should this matter not be resolved satisfactorily, I am prepared to file a formal complaint with the U.S. Department of Education and other relevant agencies.

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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX 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 2025-04-28 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
XX/XX/2020 {$420.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
there was no proper communication between myself and the XXXXXXXX XXXX XXXX XXXX XXXXXXXX. there was no validation of debt or proof of that validation sent to me

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 2025-04-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
there was no proper communication between myself and the XXXXXXXX XXXX XXXX XXXX XXXXXXXX. there was no validation of debt or proof of that validation sent to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. I checked my credit report like I normally do, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might just be a glitch, but the inaccuracies remained. Because of this, I am requesting that the documents I submitted be carefully reviewed so I wont have to worry about this issue anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Mr. Cooper Mortgage Servicing for mishandling my COVID hardship assistance request, misapplying escrow payments, and improperly creating a second lien ( Partial Claim ) on my property without clear disclosure. 

In XX/XX/year>, I requested a simple one-month deferred payment after contracting XXXX and transitioning to long-term XXXX. XXXX XXXX representative verbally assured me that missed payments would be placed at the end of my loan and that continuing escrow payments would resolve everything. Instead, I was later misled into a trial payment plan that resulted in an {$89000.00} second lien without fully informed consent. 

Mr. Cooper failed to : Clearly disclose the terms and consequences of the forbearance and modification ; Properly apply escrow payments made during forbearance ; Offer a true COVID Recovery Deferral option as required by HUD guidelines ; Accurately document communications in servicing notes. 

I have a recorded call with XXXX XXXX representatives ( recorded with full consent ) confirming these inconsistencies and mishandlings. I am seeking a full investigation, correction of escrow and lien errors, and enforcement action if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
I can't remember the exact earlier dates from today but they had been calling not only me but my wife to somehow even though she was never responsible anything. For months straight after being told to stop calling. Everyday mutlipe times a day at all hours they we're calling us then after 3-4 months of no longer answering the phone they stopped calling. However, today as I spoke with them and told them what I can afford which is {$100.00} a month even after scraping everything we have together ( Single income family, stay at home mom, XXXX XXXX XXXX XXXX  ). They're supposed to work with what people can afford i didn't say anything about a partial payment. I said I will pay the total amount owed through a payment plan wich at {$100.00} a month i can afford to pay and am willing to sign a written agreement. I also requested a written agreement as I need to be able to see everything since I'm representing myself. All the negotiating I want is just to be able to pay at what I can afford. They're also asking me to send them Money Orders or Checks in the mail, without a written agreement to start paying but won't take the mark off my credit. I just want to be able to pay {$100.00} a month until the total XXXX is payed off ( theres a little more it like + {$60.00} something, but I can't remember exactly ), and for them to mark it on the report as ( paid upon agreement ). So my credit score isn't hurt so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my 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
Consumer complaint received 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi, I used a 'CapitalOne Offer ' on XX/XX/25 for XXXX purchases which had 9 % back offer when i made the purchase. I made XXXX purchases by clicking the link in capital one offers each totaling {$520.00} ( excluding taxes and shipping ) and I used a different bank 's credit card. These purchases were tracked in the 'Shopping Trips ' as expected on XX/XX/25. On XX/XX/25 i received an email saying the payout amount is {$9.00} for each transaction. This is way below than the promised 9 % cash back of {$46.00} for each transaction. Could you fix this and issue the right payout amount. I called cap one customer service and spoke to 4 different reps including a account supervisor. Not even one of them had a clue on whats going on or where to check. They just kept reading the terms from their screensaying 'payout is calculated automatically ' and stuff like that. They were not even concerned or interested in acknowledging this issue or fixing this issue. I am surpised that capital one introduces these kind of perks for customers and fails to educate their customer service reps on this. I am attaching all the offer screenshots I took before placing the order.

Company response to consumer: Closed with monetary relief