vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
This complaint to EXPERIAN was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> a temporary credit reversal for {$4100.00} was debited from my checking account. After contacting Bank of America, a representative told me that my father had previously submitted a fraud claim for a XXXX  transaction in the amount of {$4100.00}. His was issued a temporary credit and then closed both XXXX and the checking account due to the fraudulent activity. Bank of America ended up denying the fraud claim weeks later and reversed the temporary credit from my checking account, since my father 's was closed after the fraudulent activity. Their reason for debiting my account was due to my mother being a joint account holder of both my checking account and my father 's checking account. My dad requested the case be reopened, as it was obviously a fraudulent charge. When I contacted Bank of America again after the case was reopened, I was told that it could take up to 45 days to resolve the issue. 

I have now been hit with multiple fees and may not receive a credit at all until the case is resolved. This fraud claim has nothing to do with me and the response from Bank of America has been very disappointing. There should at a minimum, a temporary credit issued to my account as this is being resolved, as it is at no fault 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 monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an official complaint regarding multiple student loan accounts inaccurately reported on my credit file. These accounts continue to cause financial harm despite being outdated, improperly verified, and in potential violation of federal consumer protection laws. 

Disputed Student Loans : XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$1600.00} Reported on TransUnion as of XX/XX/XXXX, these accounts are being furnished by Aidvantage/Department of Education ( DOE ) .

Grounds for Dispute & Legal Violations : 1. Statute of Limitations Violation Under FCRA 1681c ( a ) ( 4 ), negative student loan accounts should not remain on credit reports beyond 7 years from the date of default. These accounts exceed this limit and should be deleted.

2. Failure to Validate Debt Ownership ( FDCPA 1692g ( b ) ) I demand XXXX furnish the original promissory notes, full ledger of payment history, and proof of debt ownership. No such documentation has been provided, violating the FDCPA and FCRA 1681s-2 ( a ).

3. Proof of Legal Authority & Chain of Custody Under 15 U.S.C. 1692e ( 2 ) ( A ), I request documented proof of XXXX legal authority to collect and service these loans. I also demand the chain of custody documentation from origination to current reporting, as required by DOE Servicing Guidelines.

4. Inaccurate & Incomplete Reporting ( FC

RA 1681s-2 ( b ) ) Loan servicers must report accurate and complete information. I request a thorough investigation into whether these loans comply with CARES Act forbearance reporting requirements and HEA Title IV provisions.

5. Identity Theft Protections ( FCRA 1681c-2 ) Given prior identity theft issues affecting my credit profile, I demand immediate blocking and removal of these accounts if validation fails.

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 2025-05-14 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an official complaint regarding multiple student loan accounts inaccurately reported on my credit file. These accounts continue to cause financial harm despite being outdated, improperly verified, and in potential violation of federal consumer protection laws. 

Disputed Student Loans : XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$1600.00} Reported on TransUnion as of XX/XX/XXXX, these accounts are being furnished by Aidvantage/Department of Education ( DOE ) .

Grounds for Dispute & Legal Violations : 1. Statute of Limitations Violation Under FCRA 1681c ( a ) ( 4 ), negative student loan accounts should not remain on credit reports beyond 7 years from the date of default. These accounts exceed this limit and should be deleted.

2. Failure to Validate Debt Ownership ( FDCPA 1692g ( b ) ) I demand XXXX furnish the original promissory notes, full ledger of payment history, and proof of debt ownership. No such documentation has been provided, violating the FDCPA and FCRA 1681s-2 ( a ).

3. Proof of Legal Authority & Chain of Custody Under 15 U.S.C. 1692e ( 2 ) ( A ), I request documented proof of XXXX legal authority to collect and service these loans. I also demand the chain of custody documentation from origination to current reporting, as required by DOE Servicing Guidelines.

4. Inaccurate & Incomplete Reporting ( FC

RA 1681s-2 ( b ) ) Loan servicers must report accurate and complete information. I request a thorough investigation into whether these loans comply with CARES Act forbearance reporting requirements and HEA Title IV provisions.

5. Identity Theft Protections ( FCRA 1681c-2 ) Given prior identity theft issues affecting my credit profile, I demand immediate blocking and removal of these accounts if validation fails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-05-14 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: AZ

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Between XXXX and XXXX, I submitted multiple loss mitigation applications to my mortgage servicer ( initially XXXX XXXX now Mr. Cooper ) under a USDA-guaranteed home loan. Despite submitting complete and timely documentation, XXXX repeatedly denied my applications, often claiming they were incomplete without basis. I have records showing successful uploads and confirmations of receipt. 

In XXXX and XXXX, I requested assistance following a COVID-19 forbearance. Under USDA HB-1-3555 guidelines ( Ch. 18 ), if a borrower does not qualify for standard options, the servicer is required to submit a servicing exception request to USDA. Despite my eligibility, no exception was submitted. This was confirmed by USDA staff, who found no record of any such request in their system. 

During active loss mitigation review, XXXX moved forward with foreclosure-related steps, which appears to violate 12 CFR 1024.41 ( f ), the federal dual-tracking rule that prohibits initiating foreclosure while an application is under review. At no point was I given a fair opportunity to cure any supposed deficiencies.

In 2023, I obtained legal counsel and filed suit against the servicer. In their Motion for Summary Judgment, they made statements about my modification history and eligibility that I can prove were false. I am currently appealing that judgment. 

Additionally, I submitted a FOIA request to USDA to verify whether the servicer had ever communicated with them about my case. The absence of USDA involvement calls into question whether proper oversight occurred over this federally backed loan. 

I am asking the CFPB to investigate : The mishandling and premature denial of my loss mitigation applications, The servicers failure to request a USDA servicing exception, The improper continuation of foreclosure activity during an open review, False statements made in legal proceedings that contradict internal records. 

This issue has placed my family at serious risk of losing our home. I am requesting urgent review, appropriate enforcement, and communication from the company with a clear explanation of their servicing conduct and USDA compliance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, the funds on my capital one account were frozen so I called up to see what the problem was. They advised me that a third-party had recalled the funds and to go talk to them before they could do anything so I did that I took care of the issue via XXXX XXXX XXXX XXXX the funds on XX/XX/XXXX. 

So I called up capital one again to advise them that that account has been cleared and they told me that they would actually be closing my account which is fine, but they can not give me a timeline of when that will happen. Also, the case has not been assigned to anyone yet and its been about a week now and no one can give me any information as far as a timeline or where I can access my funds or if theyre gon na keep my account open or what not. 

At this point, I just want my funds to be released to me. I dont care if the acccount stays open or not. I just need my money so I can go ahead and pay my bills and taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-05-14 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: VA

Complaint narrative:
The accuracy and completeness is not complete the creditor who furnish this information to credit bureaus as a charge off ( not including information related to 1099-Cs ) which is now paid in full but reporting as not paid on my credit. 

Regional Finance are obligated to ensure that the information they report is accurate and complete, according to XXXX XXXX XXXX They have failed to do so and are in violation of the laws set in place for the consumer which I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Upon looking over my credit report I found fraudulent information on my report, please remove immediately, thank you in advance

Company response to consumer: Closed with non-monetary relief