vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( XXXX ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
I sent a debt validation and cease and desist order to you guys via mail and fax. YOU NEVER RESPONDED. I have never done any business with NCC or Nationwide Credit Corporation or any of its partner companies. This is a result of identity theft, and it NEEDS to be removed. See my attached letter and provide an answer to ALL of the items on my 9-item list, EVERY SINGLE ITEM, or remove it from my credit report and cease collections on the debt. You guys are also harassing me, calling me several times a day after I told you to STOP calling me. Just for that, I have grounds to sue you. I keep records of my call logs. I have won every lawsuit against other collection agencies I've sued. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute the accuracy of the information currently being reported on my Experian credit file concerning two specific accounts : XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX, account number XXXX. Upon a meticulous review of my Experian, TransUnion and Equifax credit report, I have identified multiple inaccuracies, inconsistencies, and potentially misleading entries associated with these accounts that do not accurately reflect my true credit history or account activity. These discrepancies are of significant concern, as they can adversely impact my creditworthiness, financial reputation, and ability to obtain credit or favourable lending terms. This inconsistencies requires immediate correction to ensure full compliance with the Section 607 ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of consumer information, and Section 611 ( a ) provides me the right to dispute information I believe to be inaccurate and requires your office to conduct a reasonable reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally dispute the accuracy of the information currently being reported on my Experian credit file concerning two specific accounts : XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX, account number XXXX. Upon a meticulous review of my Experian, TransUnion and Equifax credit report, I have identified multiple inaccuracies, inconsistencies, and potentially misleading entries associated with these accounts that do not accurately reflect my true credit history or account activity. These discrepancies are of significant concern, as they can adversely impact my creditworthiness, financial reputation, and ability to obtain credit or favourable lending terms. This inconsistencies requires immediate correction to ensure full compliance with the Section 607 ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of consumer information, and Section 611 ( a ) provides me the right to dispute information I believe to be inaccurate and requires your office to conduct a reasonable reinvestigation.

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 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a notice from my mortgage company, BSI Financial, in XXXX stating that my homeowners insurance had expired, but it was still current. My insurance renews each year on XX/XX/XXXX, and it was submitted to them last year at that time. The notice instructed me to log onto a website and use a unique identifier number to submit proof of insurance. The unique identifier number did not work. I attempted it 5 times and received an error message each time. There was also an option to not using a unique identifier number. When I clicked on that option and attempted to upload the policy, I got an error message for an Internal Server Error. I attempted that several times as well with the same result. So I emailed it instead, and then called to check if it was received. When I called, I was told that my loan was brand new as of XX/XX/XXXX, and that's why my current insurance, which is still current, is not in the system. This is not a new loan. They have serviced my loan for 3 years now. 

I was told on that call that they verbally verified my insurance with my agent while I was on the call, so I don't have to worry about it. When I asked for some sort of proof, I was told that is impossible and there is no way it can be verified in writing. I find that extremely concerning, since the notice they sent me included a threat to buy insurance on my behalf at a highly inflated rate. 

I have emailed 6 times and called 3 times, and have not gotten proof that they have my insurance. The emails have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I was in a car accident on XX/XX/year>, in an uber. My friend whom ordered the XXXX contacted uber and they said they would have my items returned. It took them hours to return but I was being understanding since we were in an accident. My wallet was returned but no phone. Once my new phone can in the mail I logged into my account and noticed that there were 2 transactions I didnt make or approve of. I immediately contacted the company to dispute the transactions. I didnt think anything of it at the time because my cards were in my wallet. I also contacted the merchant first to see if they could resolve it themselves. The merchant couldnt and didnt provide any evidence that I made those transactions. The company denied my dispute, but couldnt provide any evidence that I made these purchases. The company also asked if I knew someone, I cant recall the name. And they have reason to believe I approved the transaction. Which proves that obviously the merchant provided something giving the name of the person whom really made the transaction. The merchant obviously didnt check id of the person. The company also stated that they gave me a call and someone answered and confirmed making the purchase. They spoke with whom ever stole my phone. Also the merchant couldnt have verified anything because they wouldnt have knew the answers to anything because I didnt make the purchase or anyone that knows me. I really need help.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I obtained my credit report from Equifax and Experian, and it incorrectly displayed a credit score of XXXX. This reporting is inaccurate and misleading because I have open and active accounts in good standing that should generate a valid score. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a XXXX score, without proper basis, fails this standard. 

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request a reinvestigation. I am formally disputing the reporting of a XXXX score and requesting that the bureau : Investigate and verify the accuracy of this reporting with the data furnishers. 

Provide documentation showing how this XXXX score was calculated. 

Correct my file to reflect an accurate and valid credit score. 

If the bureau can not verify this information with supporting documentation from the original source, it must be removed or corrected. Failure to address this issue may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
From : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX Subject : Debt Validation Request and Cease & Desist This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

I dispute the validity of the alleged debts you are attempting to collect and/or report. I demand that you provide full and complete validation of each account you claim belongs to me, including but not limited to the following documentation : Proof of your legal ownership or right to collect this debt ( chain of title from the original creditor ).

A copy of the original signed contract or application bearing my signature that created this alleged obligation.

A complete payment history from the original creditor, showing how the alleged balance was calculated.

Proof that the debt is within the statute of limitations for collection in my state.

Proof of your license to collect debts in the state of Virginia.

All documents with my signature proving this account legally belongs to me.

Until this information is provided, you must immediately cease and desist all collection activity, including phone calls, mail, electronic communication, and reporting or verifying this debt with any credit bureau.

Furthermore, I demand that the credit reporting agencies ( Experian, Equifax, TransUnion ) immediately block, delete, or suppress any unvalidated accounts from my credit file in accordance with FCRA guidelines.

If you fail to comply with this request, you will be in violation of federal law, and I reserve the right to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Virginia Attorney Generals Office, and pursuing civil claims for damages.

This is a formal request for validation and notice to cease and desist collection activities until full validation has been completed. 

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 2025-09-29 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-29 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: GA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( XXXX ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
XXXX XXXX is misrepresenting my complaint. They claim it is duplicate and that they already responded, but they have never provided a certified copy of the recorded Security Deed showing them as holder of record. Instead, they repeatedly send me the promissory note with conflicting allongesthree different signatures and one blank endorsement, all on the same date. This does not establish ownership or compliance with my RESPA/QWR request. I ask CFPB to require XXXX to provide the certified recorded Security Deed and explain these endorsement discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one constantly charges fees raises the price of my car payment when car was purchase it was XXXX Ive paid over a year and I owe even more than what I financed the vehicle for ask company why and they stated late payments but Ive always paid within the grace period or on time. They keep raising price of vehicle so we can never pay the vehicle off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against CITI a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681
s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

XXXX XXXXXXXX

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 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Identity Theft Affidavit was filed, and i was in XXXX  Settlement Security Breach but never compensated.

XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Amount Reported : {$110.00} - Date Assigned : XX/XX/XXXX - First Date of Delinquency : XX/XX/XXXX - Status : UNPAID ( as of XX/XX/XXXX ) Dispute Reason : I do not have any recollection or records of an unpaid XXXX  XXXX account being sent to collections. 
I am requesting that you verify the full debt, including the original agreement, a full payment history, and proof of notice. If this account can not be verified within 30 days, please remove it from my credit file. 
XXXX. XXXX XXXX XXXX - Original Creditor : XXXX  - Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX - Amount Reported : {$330.00} - Date Assigned : XX/XX/XXXX - First Date of Delinquency : XX/XX/XXXX - Status : UNPAID ( as of XX/XX/XXXX ) All Charge Offs on Report from : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Amount {$2000.00} Paid showing on Report-Delete XXXX. America Credit Acceptance Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$14000.00} Written Off {$13.00}, XXXX Delete Charge Off on Report XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$790.00} Charged Off- Delete from Report XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} Charged Off- Delete from Report Never received debt validation on any account above. 





The car was returned with {$16000.00} in cash paid then charged off but a higher debt appears on my credit reports

Company response to consumer: Closed with explanation