vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company 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 2025-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: SC

Complaint narrative:
Initial application denial requested w2 only. 
Subsequent stated late payments, insufficient income ( XXXX ), and delinquent accounts. 
For the late payments there were none in 12 months as required. For income they made up a payment for my deferred loans, which have no payment, and they counted closed accounts, which I've paid off over a year ago as delinquent. 
This represents a change in terms from my submission and making up a payment that doesn't exist is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in regard to any accounts you may have associated with my name. I respectfully request that all future communication from Midland Credit Management , Inc. be conducted only via written correspondence sent to the mailing address listed above.

Please do not contact me by phone, email, or any other means. I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to limit how I am contacted.

This request is being made in writing for documentation purposes. I would appreciate your compliance with this request and confirmation that your records have been updated accordingly.

Thank you for your cooperation.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX.The account was previously removed and reinserted back on to my credit report without any proper investigation or method of verification. The information listed below, which appears on my credit report, does not relate to accounts I have opened. It is the result of identity theft. 

1. 
XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-05-02 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked into a hotel. My balance prior to check in was {$420.00}. The hotel placed a {$300.00} hold on my account ( XXXX debit card where California XXXX payments are made. ) The {$300.00} was withdrawn from my account as expected. When I went to ATM to withdraw an additional {$100.00} cash for various expenses, it was declined saying I had exceeded my balance. I was able to take out {$60.00} ( + {$4.00} fee ). I looked in my account saw an addition {$3.00} for the XXXX fare I purchased, but there was a {$45.00} discrepancy. I planned to call customer service to find out why but that night I came down with some kind of illness that left me incapacitated for the next three days. Over those three days, I accrued {$110.00} worth of charges at hotel. Checked out on morning of XX/XX/XXXX. Later that afternoon, I called customer service to ask about the missing {$45.00}, of which there was still no mention of in my transactions. I was told that the bank places an additional hold on top of the hotels hold ( without my knowledge or consent, by the way ). Then I was told that they will hold onto the funds ( both the {$180.00} released by hotel and the {$45.00} they took unauthorized ) for 31 days just in case. Just in case of what? The funds had been released and they never should have taken that {$45.00} to begin with ( and dont report it in my transactions? ) How is this not fraud?? Those funds are from my unemployment. I am homeless and staying in hotels. I needed those funds to book an additional room and dont have the luxury of them extracting unauthorized additional funds that they hold onto for 31 days. Please hold them accountable.

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 2025-05-02 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: SC

Complaint narrative:
I am requesting a fair and accurate representation of my credit report. For each collection account, I ask for a thorough review and verification of accuracy in accordance with 15 USC 1681e ( b ) and 15 USC 1681i. If any collection accounts can not be verified as accurate, I request that they be removed from my credit 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
* * CFPB COMPLAINT AGAINST XXXX MORTGAGE, XXXX * * * * Date * * : XX/XX/XXXX * * Complainant * * : XXXX XXXX XXXX | * * Address * * : XXXX XXXX XXXX, XXXX, AL XXXX * * Company * * : XXXX Mortgage XXXX XXXX | * * Account/Case # XXXX * * ISSUES * * XXXX. * * Retaliatory Refusal to Investigate Disputes ( Post-Lawsuit Conduct ) * * : - Dovenmuehle ignored my XX/XX/XXXX Qualified Written Request ( QWR ) * * ( Exhibit A ) and subsequent * * XX/XX/XXXX Notice of Error ( NOE ) * * ( Exhibit B ), violating * * RESPA XXXX ( XXXX ) * *. This mirrors conduct sanctioned in * XXXX v. XXXX *, No. XXXX ( XXXX. XXXX. XXXX ) ( failure to respond to disputes ). 
- On * * XX/XX/XXXX * *, Dovenmuehles counsel falsely dismissed my disputes as frivolous ( Exhibit C : Email ), despite binding precedent ( * XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) requiring investigation. 

XXXX. * * Fraudulent Credit Reporting XXXX XXXX XXXX and XXXX and XXXX of XXXX - Dovenmuehle continues falsely and willfully send inaccurate statements contrary to approved partial claim ( Exhibit D : XX/XX/XXXX Credit Report ) despite my active loss mitigation status, violating * * FCRA XXXX ( b ) * *. 

XXXX. * * Pattern of Systemic Abuse * * : - Dovenmuehles counsel admitted in * XXXX XXXX XXXX * ( XXXX XXXX XXXX ) to a corporate policy of labeling borrower disputes frivolous to evade RESPA obligations. 

-- - # # # * * HARM SUFFERED * * - * * XXXX XXXX Drop * * : XXXX point decrease ( Exhibit D ), blocking refinancing. 
- * * Constructive Foreclosure Risk * * : Third-party lenders initiated foreclosure due to Dovenmuehles false reporting ( Exhibit XXXX : Lender Notice ). 
- * * Emotional Distress * * : Diagnosed XXXX linked to harassment ( Exhibit F : XXXX XXXX ). 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX {$530.00} XXXX XX/XX/XXXX, XXXX {$160.00} XXXX XX/XX/XXXX, XXXXL {$1700.00} XXXX XX/XX/XXXX, XXXX XXXX {$300.00} XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX XX/XX/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 2025-05-02 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One closed my credit card account without clear or direct notification, and the reason for closure was based on returned payments that were not caused by me. 

I have automatic payments scheduled for the morning of the XXXX of each month from a checking account I use for multiple bills. While the payment is scheduled and the funds leave my account on the XXXX, Capital One does not process it until the afternoon of the XXXX. As a result, if Capital One attempts to charge the payment again after its already posted, it ends up returning since the money is gone by then due to other bills clearing. 

Despite these being automated payments, I was penalized for what appears to be delayed processing or duplicate attempts by Capital One. I have contacted Capital One in the past to report this recurring issue. 

My account was marked as restricted, and I received no email, app notification, or secure message stating that it had been closed. I only found out it had been permanently closed after calling to ask why it was still restrictedonly to be told it had been closed six days earlier. I was told I shouldve received a letter, but no formal communication was ever delivered. I later found the closure notice buried in my online statement, not actively delivered to me.

Why Im filing : I was not properly or clearly notified of my account being closed. I have a history of trying to resolve this exact payment
issue.

I used auto-pay and had funds available, yet was penalized due to Capital Ones delayed or repeated attempts.

The closure occurred just four days after the due date, without opportunity to correct the issue.

I am asking for Capital One to formally review and reconsider the account closure, or at minimum acknowledge that I was not properly notified under fair disclosure practices. 

In the screenshots below I scheduled each payment for XX/XX/year>, and expected it to be withdrawn that same day. Capital One confirmed the payment was received and posted on XX/XX/XXXX, but in reality, the funds were not pulled until the following day after the money had already been used for other scheduled bills. This delay is what caused the returned payment, despite me doing everything correctly on my end. I should not be penalized or closed out over a processing delay I didnt control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-05-02 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: FL

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 response to consumer: Closed with non-monetary relief