vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I advised all three credit bureaus, experian, XXXX, and XXXX, that collections were not mine and I had no recollection of accounts. I asked for them to provide proof that I signed documents with collection agencies on my credit report. No information was provided and XXXX of my disputes are still on file. All three credit bureaus have record of my identity being stolen on file as well. I can only view XXXX dispute request. Experian does not provide my dispute history and transunion only shows one. Ive filed multiple disputes with each company

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 2025-01-23 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint regarding inaccuracies that have appeared on my credit report maintained by XXXX, TransUnion, and XXXX. I have been deeply affected by multiple data breaches over the years, most notably the Missouri hospital breach in XXXX, Health Plex on XX/XX/XXXX, the XXXX breach in XX/XX/XXXX, and a recent incident on XX/XX/XXXX. 

These breaches have unfortunately compromised my personal information, resulting in fraudulent charges on my credit cards and unauthorized access to my bank account. In an effort to protect myself, I have had to open a new bank account, which has been both time-consuming and distressing. Despite my ongoing efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, particularly concerning items I have disputed as fraudulent. 

I am reaching out to the Consumer Financial Protection Bureau in hopes of obtaining guidance on how to rectify these inaccuracies. I firmly believe that the data breaches I have experienced are directly linked to these discrepancies on my credit report, and I am eager to resolve this matter. I am more than willing to provide any proof of the fraudulent charges and the impact on my bank account that may be necessary for your review. 

It is essential for me to maintain an accurate credit report, as it significantly affects my financial well-being. I respectfully request your assistance in addressing these matters and helping me navigate the necessary steps to achieve a fair resolution. 

Thank you for your attention to this pressing issue. I look forward to your guidance on how to proceed. 

Sincerely, 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 2025-01-23 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint regarding inaccuracies that have appeared on my credit report maintained by XXXX, XXXX, and Experian. I have been deeply affected by multiple data breaches over the years, most notably the Missouri hospital breach in XXXX, XXXX XXXX on XX/XX/XXXX, the XXXX breach in XX/XX/XXXX, and a recent incident on XX/XX/XXXX. 

These breaches have unfortunately compromised my personal information, resulting in fraudulent charges on my credit cards and unauthorized access to my bank account. In an effort to protect myself, I have had to open a new bank account, which has been both time-consuming and distressing. Despite my ongoing efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, particularly concerning items I have disputed as fraudulent. 

I am reaching out to the Consumer Financial Protection Bureau in hopes of obtaining guidance on how to rectify these inaccuracies. I firmly believe that the data breaches I have experienced are directly linked to these discrepancies on my credit report, and I am eager to resolve this matter. I am more than willing to provide any proof of the fraudulent charges and the impact on my bank account that may be necessary for your review. 

It is essential for me to maintain an accurate credit report, as it significantly affects my financial well-being. I respectfully request your assistance in addressing these matters and helping me navigate the necessary steps to achieve a fair resolution. 

Thank you for your attention to this pressing issue. I look forward to your guidance on how to proceed. 

Sincerely, 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 2025-01-23 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to propony 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
The debt was paid in full through a court order case number : XXXX I don't think it's fair that this continues to be reported since, as I said previously, that debt was paid in full.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time.

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

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. 

Accounts being disputed : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Car was repossessed company is trying to sue me almost two years later American accredited loan which is not even the name of the original Company that i took the loan from when i got the vehicle! I was making payments then stopped due to losing job! The month i was going to pay literally night before since i had started a new job was going to pay that morning i awoke and car was gone called to see if i could make the payment to get the car back they told me no! Which the car had to had just been taken since i got home late the night before from work so they didnt have it for not even a few hours! And now apparently i have to appear in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted about being late on my payments for a capital one secured card. This was on XX/XX/XXXX. I spoke with a representative whose name I can not remember but her id number was XXXX about making a payment. I asked her how much I owed on the account. She informed me the account had an outstanding balance of {$240.00}. She told me the minimum payment was {$150.00}. I was intending on using the account again so I told her i would be happy to make a payment of {$240.00} thereby leaving {$10.00} revolving on the account. She told me that would be a good thing to do if I intended on using the account once more. So I made the payment over the phone with her for that amount. I asked her if i could get a new card for the account as the last one was rather beat up. She told me I would need to wait a day and call back to request a card. I told her that would be fine and I would call the following day and request a new card. She ended the phone call and I decided to try to request a new card via the capital one app. When I finally was able to gain access, my credit account had been closed since XX/XX/XXXX. To make matters worse while my payment due date was the XXXX, the bill cycled ( I am not even totally sure what that means ) on the XXXX, the same day she called me to make a payment. I asked specifically, if upon payment my account would be in good standing and usable, she assured me that yes it would all be good once payment was received. Instead with my bill cycling that day, a {$40.00} dollar late payment fee was tacked on after my large sum payment. Then interest at a XXXX APR bringing my balance to ~ {$56.00} or so I was told to close out the account. If I had known even for second that the account was already closed I would have paid the extra {$10.00} right then with the first phone call and avoided the additional {$40.00} late fee and interest. Credit card companies are not supposed to be able to charge that much for late fees as it is, yet she lied to me to keep a balance so I would be charged fees. I do not take kindly to being lied to, and I hate being charged exorbitant amounts for fees I could have avoided even more. The representative knew well that by not paying off the card additional fees would accrue that same day. She never offered to have me pay off the total amount to avoid it, not that even my account had been closed for months and there was no way to possibly get a new card for the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX on line on Fay Servicing site I Deposited {$10000.00} for principlein the account # XXXX funds were not completely applied to the account and after XXXX phone calls from XX/XX/XXXX till XXXX for a supervisor, I finally received a call from a supervisor XXXX XXXX XXXX XXXX was rude she hung up on me after i told her our conversation was recorded. since that phone call on XX/XX/XXXX the account has been different posting every other day which I followed and took pictures of online where thefund is not applied to the principle. although the account has automatic monthley pay, the fund for the monthly payment was taking out and not apply and show due for XXXX. I hope that the supervisor is not retaliating. all i need is for XXXX be applied correctly, it has been 35 days and not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Complaint Against XXXX and U.S. Bank Account Opening Declined Due to XXXX Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at U.S. Bank. Despite having an excellent credit score and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that XXXX can not validate my credit file, which prevents U.S. Bank from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within seven days. However, upon reapplying, I was met with the same denial for the same reason.

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold XXXX and U.S. Bank accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, 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 2025-01-23 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts including : XXXX XXXX XXXX XXXX XXXX XXXX As well as any addresses listed should be removed

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-24 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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.

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 2025-01-24 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. I'm also aware that Experian has been sued by the CFPB. This makes me question the validity of my previous investigation. Thank you.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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