vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
I am disputing inaccurate late payments and fraudulent inquiries on my credit report, as they are negatively impacting my financial standing. Upon reviewing my file, I found discrepancies that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, unverifiable, or outdated. 
All reported data must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The late payments and unauthorized inquiries on my report do not meet legal reporting standards and must be validated with proper evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
The charge off account from XXXXXXXX XXXX  opened XX/XX/XXXX with a reported balance of {$1600.00} is reporting inaccurate information to my credit report. This is causing significant damage to my credit score and ability to obtain new credit. The account payment status reports the account as a charge off but doesnt have a date when the charge off occurred. The account has been repeatedly reporting missed payments since XX/XX/XXXX. A charged off account shouldnt show active payment history. This inaccurate information falsely manipulates the statue of limitations to investigate this account properly. 
According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
The charge off account from XXXXXXXX XXXX  opened XX/XX/XXXX with a reported balance of {$1600.00} is reporting inaccurate information to my credit report. This is causing significant damage to my credit score and ability to obtain new credit. The account payment status reports the account as a charge off but doesnt have a date when the charge off occurred. The account has been repeatedly reporting missed payments since XX/XX/XXXX. A charged off account shouldnt show active payment history. This inaccurate information falsely manipulates the statue of limitations to investigate this account properly. 
According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
*** Failure to Remove Medical Debt from Credit Report in Violation of Federal Regulations *** _Dear CFPB Complaint Intake_ I am writing to file a formal complaint against Equifax for its continued reporting of medical debt on my credit report, which violates recent federal regulations concerning *medical debt reporting*. 

Specific Complaint Details *** Regulatory Background *** On XX/XX/year>, the Consumer Financial Protection Bureau finalized a rule prohibiting the reporting of medical debt on consumer credit reports. 


*************** Persistent Reporting ****************** ***Despite the clear federal mandate, Equifax continues to report a medical debt of {$730.00} on my credit report, which was originally placed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX agency appears to have attempted to circumvent the new regulation by reporting the debt just days before the law 's implementation deadline. XXXX XXXX XXXX XXXX  I have previously attempted to resolve this matter through direct communication with Equifax, providing comprehensive documentation disputing the medical debtXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The continued reporting of this medical debt : XXXX 1 ) Negatively impacts my credit score 2 ) Violates the spirit and letter of the recent CFPB regulation 3 ) Causes undue financial and personal stress 4 ) Demonstrates a pattern of willful non-compliance with federal regulations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Subject : Formal Complaint Regarding Student Loan Data Breach and Credit Reporting Violations To Whom It May Concern, I am writing to formally dispute and file a complaint regarding the unauthorized exposure of my personal student loan information in connection with the recent data breach involving loan servicer Navient. 
This breach has placed my sensitive financial and personal data at risk, potentially violating the provisions of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. Due to this incident, I am seeking an immediate investigation and resolution of the following concerns : 1. Unauthorized Exposure of Personally Identifiable Information ( PII ) My personal and financial information was compromised due to inadequate security measures. This may have led to fraudulent activity, unauthorized access to my credit file, or potential identity theft. 
2. Inaccurate or Fraudulent Credit Reporting I request a thorough review of my credit report to identify any inaccuracies, fraudulent accounts, or unauthorized changes related to my student loans. Under the FCRA, I am entitled to accurate credit reporting and request immediate corrections for any discrepancies.

3. Failure to Properly Notify and Protect Borrowers I believe the affected loan servicer ( s ) failed to promptly notify borrowers of the breach, delaying necessary steps to protect against financial harm. Additionally, they must implement stronger security measures to prevent further breaches.

4. Potential Violations of Federal Consumer Protection Laws I am requesting an investigation into whether my rights under the FCRA, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable regulations have been violated due to negligent handling of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA you regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Account # : Different dates reported by each credit reporting agency XXXX : No reported XXXX : XXXX XXXX : No reported High Balance : Different account status reported by each credit reporting agency : XXXX : No reported XXXX XXXX No reported XXXX : {$3000.00} Date of Last verified : Different dates reported by each credit reporting agency. 
Date of Last Activity : Different dates reported by each credit reporting agency. 
Date Reported : Different dates reported by each credit reporting agency Date of Last verified : Different dates reported by each credit reporting agency. 
Closed Date : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX year payment history : Different dates reported by each credit reporting agency. 
XXXX : XXXX  XXXX : No reported since XX/XX/XXXX XXXX : None reported You, BANK OF AMERICA have furnished this account as a charge-off, you are in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. 
You BANK OF AMERICA are a furnisher of information and are prohibited by law from reporting inaccurate information. 
15 U.S. Code 1681 - Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting 15 U.S.C. 1681e ( b ) Accuracy of Report 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S.C. 1681s-2 ( b ) - Reporting Information After Notice and Confirmation of Errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/XXXX : received a marketing letter from XXXX XXXX Bank inviting me to apply for a 0 % intro APR on a balance transfer for 18 months. 

XX/XX/XXXX : I called the number as directed on the letter XXXX, provided my confirmation code XXXX. I communicated that I was excited as I had a {$10000.00} XXXX balance that I wanted to transfer. The rep advised there was a 5 % balance transfer fee I would incur and that I would be responsible for my XXXX payments, until I received my new card from XXXX XXXX Bank. I provided her with the exact amount to transfer of {$10000.00} and I asked for the number to call in case I changed my mind - she provided me with XXXX and advised I had to do so within 48 hours. At no time did she say anything about NOT being approved, or this only being an application. So, I waited for my new card to arrive with a {$10000.00} balance. 

I received a letter on XX/XX/XXXX, that was dated XX/XX/XXXX about " my new card '' communicating they are unable to process my balance transfer request at this time because of insufficient funds. I called the number provided on the letter XXXX and spoke with XXXX ( conf # XXXX ) about this. She said I only had a {$2000.00} credit card limit. I was confused and explained that I did a balance transfer of $ XXXX on the phone on XX/XX/XXXX. She said that I would need to take it up with the bank because I only have a {$2000.00} limit. It went in circles. 

I called XXXX XXXX Bank in XXXX, WI and spoke with the regional manager XXXX. She communicated that she would call Elan to figure out what happened and file a complaint. I communicated that if the balance transfer was not happening, I did not and still do not want this credit card. I do not know if this happened. 

This is very misleading. They sent me an open credit card for {$2000.00}- which I did not want nor ask for. I asked for a balance transfer. 

I called Elan XXXX XXXX on XX/XX/XXXX ( today to ensure the card was not active ). I learned it was still opened. The lady asked me if I wanted to close the credit card - I told her I never wanted it and asked if closing it would impact my credit score. She said she didn't know and that I'd have to contact the credit bureau. I told her to close it. She had the nerve to ask if I was sure because I have no interest until next year. 

Very bait and switch. Very disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter about a false inquiry on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of this inquiry from my credit report ; given that it has been more than 60 days, it should be promptly deleted. I demand that this inquiry be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that Im being held back by errors that should not be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: WI

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX Predatory & Unfair HELOC Terms To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX for predatory and unfair lending practices in my Home Equity Line of Credit ( HELOC ) agreement. 

Loan Details : Lender : XXXX XXXX XXXX Loan Amount : {$100000.00} Interest Rate : 12.05 % Origination Fee : 4.99 % ( {$5000.00} ) Agreement Date : XX/XX/year> Property Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Key Complaints : HOEPA  Violation ( 15 U.S.C. 1639 ) My APR ( 12.05 % ) exceeds the average market rate ( 6-7 % ), classifying it as a high-cost mortgage.

TILA Violation ( 15 U.S.C. 1601 ) Rate floor restriction was not properly disclosed, preventing fair refinancing.

RESPA Violation ( 12 U.S.C. 2601 ) Third-party fees were hidden, inflating costs unfairly.

Wisconsin Consumer Law Violations Excessive fees and rate manipulation practices.

Requested Remedies : Immediate rate reduction to market levels ( 6-7 % ).

Removal of the rate floor clause.

Investigation into XXXX XXXX high-cost lending practices. 

I request that the CFPB formally investigate XXXX XXXX XXXX and ensure compliance with federal lending laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
Credit Reporting Bureau : XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Legal XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : formal dispute regarding inaccurate information on my credit report. 



Dear : TXXXX XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Re : Failure to Remove Medical Debt from Credit Report in Violation of Federal Regulations Dear CFPB Complaint Intake : I am writing to file a formal complaint against Experian for its continued reporting of medical debt on my credit report, which violates recent federal regulations concerning medical debt reporting.

Specific Complaint Details Regulatory Background On XX/XX/year>, the Consumer Financial Protection Bureau finalized a rule prohibiting the reporting of medical debt on consumer credit reports.

Persistent Reporting Despite the clear federal mandate, Experian continues to report a medical debt of {$730.00} on my credit report, which was originally placed by XXXX XXXX XXXX XXXX. 
Circumvention Attempt The collection agency appears to have attempted to circumvent the new regulation by reporting the debt just days before the law 's implementation deadline.

Documented Communication Efforts I have previously attempted to resolve this matter through direct communication with Experian. A certified letter detailing my dispute was mailed with the following USPS tracking number : Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX  This certified mailing included : Copy of my state-issued identification Copy of my social security card Credible bank document for verification Detailed dispute of the medical debt reporting Ongoing Harm The continued reporting of this medical debt : Negatively impacts my credit score Violates the spirit and letter of the recent CFPB regulation Causes undue financial and personal stress Demonstrates a pattern of willful non-compliance with federal regulations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, capital on was contacted on my behalf regarding a transaction from XXXX that they were refusing to refund even after they admit that they have received my item. After multiple attempts with XXXX customer service to get it removed, I decided to contact capital one to submit the claim. Once the claim was submitted, capital credited my account for that transaction for a total ofXXXX. However, later they have decided to retrieve the money they issued, stating that there wasnt enough evidence, even after XXXX is admitted they have the item in hand. Capital one claim department is almost unreachable and this specific department is handled overseas where every agent either hangs up on me or just puts no efforts in helping me. I submitted proof that was requested by them to an email address they provided to me, and I have yet to still hear back from someone. Please assist on this matter as XXXX is holding funds for an item they literally received back and literally are committing fraud. Once this resolved Im closing my account and taking my banking to another bank. This was a terrible experience.

Company response to consumer: Closed with explanation