vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hello. I am having an issue getting Chase mortgage to report on my credit. My spouse filed for bankruptcy last year, and I did not. The mortgage should still be reporting on my credit as Im making the payments for it. I have contacted Chase mortgage credit escalations department in XXXX, XXXX, XX/XX/year>, and most recently XX/XX/year>. The Chase mortgage escalations department has been adamant that the mortgage is reporting to my credit correctly. In XXXX, I was told to wait. In XXXX, I was told to wait. In XXXX, I was told to wait. And then in XXXX, they told me that there is nothing else that they would do for me. They are saying that they show that its reporting. I advised that its not reporting on the three bureaus when I pull them up, there is no mortgage showing. After an aggressive back-and-forth, she told me to go to. myfico.com and annualcreditreport.com. I did this with her on the phone, her name was XXXX, and I told her that these are not showing up there. She then told me that there was simply nothing more that they would do for me. I have been unable to get resolution with Chase mortgage After attempting for the past five months. I am happy to provide any call times, names, or information on the calls that I can. Thank you for your time with this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 recently reviewed a copy of my credit report and the accounts listed are stopping me from obtaining 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 2025-03-13 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and the accounts listed are stopping me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
XXXX XXXX has violated my rights by accessing my data. I expect a full expungement of all of my loans due to this outright theft of my personal information by someone not associated with the government.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-13 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
On XX/XX/XXXX, I requested the credit bureau to investigate the inaccuracies in this account, XXXX XXXX XXXX XXXX to ensure accuracy. On XX/XX/XXXX, the credit bureau sent their investigation results stating the account was verified and updated. This can't be correct as the DATE UPDATED remains incorrect. In their credit report of XXXX, the DATE UPDATED isn't the same as the DATE UPDATED in XXXX. 
Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, you must provide the names and business addresses of everyone with whom you verified the information. Please send me an updated copy of my credit report after your re-investigation.

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 2025-03-13 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
Submitted an order on XXXX XXXX for a XXXX file cabinet. The order was cancelled for some reason and never shipped. I have submitted a dispute with Affirm providing them a document showing the order was cancelled. I requested they provide me with proof of delivery. They said they don't have to. The claim they paid XXXX the money and it is up to me to get the money back and I will still owe any interest due. 
Affirm is still demanding payment and have advised me that after the XXXX payment due in XX/XX/year> they will report this negatively on the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough investigation of the following disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to his dispute within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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 2025-03-13 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: NC

Complaint narrative:
I am filing a CFPB complaint regarding multiple fraudulent accounts that were added to my credit report without my authorization due to identity theft. These accounts were opened in my name without my knowledge, and I have not given consent for them. 

The following fraudulent accounts must be immediately removed under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( Section 605B of the Fair Credit Reporting Act ) : - XXXX  ( Account number : XXXX ) Balance : {$630.00} Opened : XX/XX/XXXX - XXXX  ( Account number : XXXX ) Balance : {$630.00} Opened : XX/XX/XXXX I have provided an FTC Identity Theft Report, a government-issued ID, my Social Security card, and a utility bill to verify my identity and support my fraud claim. 

The companies reporting these accounts have failed to provide verifiable proof that I authorized them. Under 15 U.S.C. 1681i and Section 605B, credit bureaus are required to block and remove fraudulent accounts immediately upon receipt of an identity theft report. I demand that these accounts be deleted from my credit file without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX and XXXX XXXX have violated my privacy by accessing my private data through the department of education!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have called three times to verify the extra I pay each month is going directly to principal. The first time in XXXX I was told I had to make a complete payment of {$910.00} in order to reduce my principal and that the extra {$38.00} I pay each month goes to the next payment. I was told they could correct the last 6 months and that I would need to call each time. I called again in XXXX and was told the extra {$38.00} that month would go to principal. I called today, XXXX, and I was told all of my XXXX payments have had the {$38.00} applied to the next payment. I have " overpaid '' {$640.00} that should have been applied directly to my principal. In addition while researching my loan my payment history shows a loan balance of {$40000.00} as of XXXX. My copy of the finance agreement I signed on XXXX clearly shows I financed {$40000.00}, a difference of {$170.00} in Hyundai 's favor. I asked about that today while I was on the phone with the representative, but she stated she doesn't see that amount. My question is why do I see that amount if that amount doesn't exists. I printed off my payment history on XXXX, so it shouldn't have changed from yesterday. I have hard copies of my finance agreement and payment history I can submit.

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 2025-03-13 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: NV

Complaint narrative:
I submitted a dispute to Experian on multiple occasions to correct this error. For the last dispute, I uploaded a copy of check number XXXX from XXXX XXXX XXXX amount of {$110.00}. I uploaded a copy of the letter dated XX/XX/XXXX reflecting my last payment date of XX/XX/XXXX, amount paid {$300.00}, and that the account reflected a credit in the amount of XXXX. Therefore, I was not deliquent 30 days as the bill was due on XX/XX/XXXX. I have contacted BOTH EXPERIAN AND XXXX REGARDING THIS.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hello Barclays representative, I hope you are well. Now, the gist is, I do not have a credit card with Barclays, never applied, nothing. I called in XX/XX/year> to report that the credit card XXXX I have with you was ID theft. You did your XXXX investigation ... and did not contact me afterwards. It has been XXXX  months. Got mail today, saying that I have a overdue balance etc. I have attached the FTC report. Remove all balances and fees that have occurred as you can not fight the fact that the FTC negates all of your investigation, that went horribly wrong because your fraud agent on XX/XX/year> told me that the agent who handled the investigation found it ( do not deny this as the phone call was recorded ), that it was an INFLIGHT APPLICATION with an XXXX XXXX flight attendant requesting physical driver licenses. I have friends from the executive team at XXXX XXXX, they know I do not fly XXXX XXXX, I fly XXXX XXXX, which means this card doesn't benefit me or anyone but the fraudster. So why tell me one thing when another thing doesn't add up. If I do not fly XXXX, why would the agent conclude that word for word I had applied during a flight with a flight attendant requesting my driver 's license. You have the wrong person to trifle with. Not today. Fix it ASAP.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX has violated my privacy by accessing sensitive information and private data about me through the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: KS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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