vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was under the impression that all loans were paid off in full. My parents took care of the loans after I graduated in XXXX, and We haven't received any paperwork since. 

I was applying for a mortgage, and the company pulled my credit on XX/XX/XXXX when I found out that XXXX had an outstanding loan listed in default. My credit up to this point was very good with a score in the XXXX 's for at least the last 5 years with all my bills being paid on time. 

The account was only put into default in XXXX of XXXX. XXXX claims to have been sending emails to a defunct email address that was used while in college. 
I immediately made payment ( on XX/XX/XXXX ) to bring the account back up to date and will be paying it off in full within the next week. 
I don't think it should be reported on my credit report and ruin my score which I have worked hard to keep when I obviously had the money to make payment and would not let it go into default. 
I explained all this to the representative at XXXX but they were uninterested in helping. They should at least have to send a notice through the US mail before making negative reports to the credit bureaus. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
You are in violation of XXXX XXXX XXXX ( XXXX ) ( B ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-03-25 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: GA

Complaint narrative:
You are in violation of XXXX XXXX XXXX ( XXXX ) ( B ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 was reviewing my report and noticed XXXX XXXX XXXX XXXXXXXX as a collection on my account. They have the date the account was opened listed incorrectly. They do not list any of the original payments made to the account and the balance on the account is listed inaccurately. I called and tried to get this inaccuracy resolved, but they are refusing to update it. When a debt goes to collections, a new collection account is opened, but the date reported on your credit report SHOULD reflect the date of the ORIGINAL DELINQUINCY ( the first missed payment ), not the date the collection agency purchased the debt. Because of this inaccuracy, in the amount and the listed information, I have been denied the ability to start a lease for a place to live and have become homeless and lost my car. I am having to sleep on different people 's couches. The company has even stated in a telephone call that they don't actually own the debt, the school does, they just try to collect on the school 's behalf.

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 2025-03-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Unit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal Name : XXXX XXXX XXXX 2 . My Address : XXXX Rue XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX  XXXX 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 2025-03-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Unit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal Name : XXXX XXXX XXXX 2 . My Address : XXXX Rue XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX  XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Fraudulent charges ( {$8000.00} ) were made on my XXXX XXXX XXXX store account through Wells Fargo. The charges were made in XXXX XXXX, I live in Kentucky. My address and phone number was changed on Wells Fargo system without them ever notifying me to the changes or asking for confirmation from me. We tried to work on the dispute but it ultimately failed when they sent me a letter saying that I must have given permission to someone to make the purchase. They were extremely hard to work with and kept transferring me to different departments making it extremely hard to get them what they needed

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 monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I submit this formal complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax has unlawfully reinserted XXXX previously deleted accounts without proper notification or validation, constituting a clear violation of federal law. 

Accounts Illegally Reinserted : XXXX XXXX  XXXX - Account # : XXXX XXXX XXXX XXXXXXXX - Account # : XXXX Detailed Violations : Equifax previously XXXX the above-listed accounts following my dispute but has now reinserted these accounts into my credit report without providing the required notice and certification as mandated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). Additionally, Equifax has failed to : Ensure maximum possible accuracy of the information ( 15 U.S.C. 1681e ( b ) ).

Investigate disputes thoroughly and within the required 30-day timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Provide verification details, including original documentation and signatures, upon my written request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Supporting Background : I previously submitted certified dispute letters requesting validation of these accounts. More than 30 days have passed without Equifax responding with verification details, contracts, or evidence of the validity of these debts. Their reinsertion without this critical validation is explicitly prohibited and has negatively impacted my creditworthiness. 

CFPB Enforcement Precedent : The CFPB 's recent lawsuit against Equifax ( XX/XX/year> ) explicitly highlights similar misconduct, including failure to properly investigate disputes and wrongful reinsertion of accounts without notification or validation. XXXX actions in my case demonstrate a continued disregard for federal regulations and consumer protections. 

Demands for Resolution : Immediately remove and permanently block the above-listed XXXX XXXX XXXXXXXX accounts from my credit report. 

Provide immediate written confirmation of the removal along with updated copies of my corrected credit report. 

Conduct a thorough investigation into how these accounts were illegally reinserted. 

Provide detailed written findings, including all documentation, verification, contracts, and signatures associated with these accounts. 

Implement mandatory fraud alerts and identity theft protections as required under federal law. 

Conclusion : Equifax 's illegal reinsertion of these accounts has caused significant financial damage and distress. I urge immediate CFPB intervention to ensure Equifax complies fully with the FCRA and permanently resolves this matter. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have applied for a credit line increase several times. The last being XX/XX/XXXX. I am denied each time and the letter that they attach has a credit score from XX/XX/XXXX, which is over XXXX months old. I am being denied based on incorrect information. My credit score has increased over XXXX points since XX/XX/XXXX, yet Capital One will not use the correct information which is effecting my credit score. When I called Captial One, I spoke with a supervisor on XX/XX/XXXX and was told there is nothing that they can do. Making credit worthy decisions based on out of date information is against the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have been paying student loans with XXXX/Sallie Mae for about 12 years now. My complaint is that one the initial loan payments was presented in an unclear manner. That when repayment time came I was shocked at the amount expected to pay because that was not what was interpreted during the loan origination. It seemed as if it was going to be much smaller than it really was per month. Then I was advised to put it in an income driven repayment program where I had to disclose how much I made and my monthly all my bills and expenses. It ended up being a forebeance program that when again presenting by a manager seemed like an okay plan, when in reality it was not int he best interest for the borrower. Also during this time I had many mishandling of payments. I wont time had a {$15.00} amount lingering however while making new payments it was never being applied to that for some odd reason. And they hit my credit with it. I had to call and fight and fight for weeks to have it removed from my credit. Similar payment issues has happened with them again hitting my credit where I have had to sit and fight to get it off. Hours of my time and stress calling managers and writing letters. It overall has been a very sketchy company to finance with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Official complaint against FREEDOM MORTGAGE Since the day I obtain my VA loan, I had been paying half of my mortgage payment every other week therefore I would make XXXX extra payment every year. But for since reason some mortgage companies like Freedom Mortgage can not deal with the way my payments are made. They claimed that I am late and charge a late fee but my original paperwork with the VA states that I can actually make my payments this way. 

Freedom Mortgage has been charging late fees which is totally against the law according to my loan paperwork with the XXXX XXXX. 

My home insurance and property taxes decreased, but yet I am still being charged for late fees even if I am paying {$200.00} more per month. 

Also, Freedom Mortgage has failed to apply my payments to my mortgage when the payments come in biweekly.

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 2025-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank mailed my debit card to an address that I have never heard of and a town in which I have never lived. They have failed to provide me with why the address was changed. 

In addition, Chase allowed these people to deposit checks into my account that weren't made out to me and has caused my account to go negative. I have filed all these disputes and they are denying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my 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