vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Equifax Credit Bureau XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX I am writing to formally dispute inaccurate information on my credit report that i believeis harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against experian for its failure to properly investigate consumer reports, citing " sham investigations '' and other unharmful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemicissues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute was mishandled in a similiar matter. 

Pleas review the innaccurate infomation being reported.

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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Capital One Savor card for many years. It had no annual fee and a 4 % cash back reward on food. In XX/XX/year>2024, I received a message from Capital One asking if I wanted to upgrade this card. I accepted the offer even though it didn't clearly indicate what the upgrade was. 

Tonight I called Capital One to inquire about the change in the card was. The informed me the new card had no annual fee but the cash back was now 3 % instead of 4 %. They said if I wanted 4 % I had to obtain a different card that had a {$95.00} annual fee. My old card plan was no longer available since I chose the " upgrade ''. 

Since the new plan was clearly a downgrade, not an upgrade, I believe this was unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NM

Complaint narrative:
Hello, Im trying to reach someone to help. Because my chime account, has been getting swiped online day in and day out. By the hour and by the minute. Constantly getting Chime Fraud Alerts asking if Ive made any purchases, Ive called multiple times, have changed into on my account, have gotten a new card and they still say its my end. That transactions are going through. I do not have a dime right now. My account is XXXX because I used my spot me. They refuse to look into what is causing this. Its to the point where Im getting texts constantly asking about transactions Ive never even heard of. I believe that Chime, like XXXXXX/XX/XXXX has had a breach in security and doesnt want to do a thing about it. Im getting frustrated because Im being told its my fault and all they want to do is continue to send me new cards instead of looking into the problem and where my information is coming from.! Please tell me Im not the only one experiencing this.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I am XXXX, XXXX  XXXX XXXX Veteran that proudly served my county and would serve it again if I could. I am being taken advantage of by Planet Home Lending and this issue has existed since XX/XX/year>. I am XXXX XXXX XXXX. 

Specifically, the company is doing the following ; - They are acting like I am paying late and are charging me late fees when I am paying early and send my payments certified as proof - they are demanding more money to go in my escrow account than what is required - They are raising my FIXED VA note to a much higher amount for no reason - The money that is supposed to go into the escrow account from my note they are not putting it there on purpose - they are harassing me

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
Great evening I am a XXXX and I do believe there is an onboarding company which is operating under Equifax inc that has reported a late payment and balance due of {$1100.00} for a service that I have never used. I never signed to finalize the contract with them and to start getting billed, nor gave them my banking information, suddenly they have reported a no payment of the whole year payment on my Business credit. I have reached out to them in regards of this matter and mentioned to them that I have never used their services and that I want them to stop billing me and remove any charges off my account and business entity but in vain, they kept forwarding my demands from person to another as if no one wants to admit their greedy behavior

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

Complaint narrative:
a few months ago something told me to check my credit report so I login to my Experian credit monitoring app and noticed a bunch of inquiries that I never authorized nor did I give anyone the permission to open any account in my name I am really surprise that I am a victim never imagine it would happen to me I desperately reach out to the credit bureau and let them know that I have not authorized any of these inquiries for months I been asking then to prove it and no response back the inquires are as follow : ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX Of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXX/XX/XXXX ( XXXX ). XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/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 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 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 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 ExperianXXXX  XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
a few months ago something told me to check my credit report so I login to my Experian credit monitoring app and noticed a bunch of inquiries that I never authorized nor did I give anyone the permission to open any account in my name I am really surprise that I am a victim never imagine it would happen to me I desperately reach out to the credit bureau and let them know that I have not authorized any of these inquiries for months I been asking then to prove it and no response back the inquires are as follow : ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX Of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXX/XX/XXXX ( XXXX ). XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/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 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 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 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 ExperianXXXX  XXXX XXXXXX/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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally Auto is reporting XXXX & XXXX as late, and I have proof that I paid {$360.00} in XXXX & then I paid the vehicle off in XXXX. I disputed this multiple times, and it still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I applied for the forgiveness program still haven't received it

Company response to consumer: Untimely response
Consumer complaint received 2025-03-02 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: TN

Complaint narrative:
XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>25 XXXX XXXX/XXXX/25

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

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-02 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:
My Information was leaked in several data breaches. For the last three years I should have no inquires on my account. All the addresses on my accounts are incorrect except my current address. XXXX XXXX XXXX XXXX FL XXXX. I also have a late payment that were never late. I have an account on my report from XXXXXXXX XXXX  that is not accurate I never had an account with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
My Information was leaked in several data breaches. For the last three years I should have no inquires on my account. All the addresses on my accounts are incorrect except my current address. XXXX XXXX XXXX XXXX FL XXXX. I also have a late payment that were never late. I have an account on my report from XXXXXXXX XXXX  that is not accurate I never had an account with this bank.

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 2025-03-03 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from XXXXXXXX XXXX  for the amount of {$55000.00}. I drive a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

XXXXXXXX XXXX  allowed this fraud to occur, and both Experian and XXXX have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor XXXX have taken adequate steps to rectify this matter. 

This fraudulent activity has had a significant negative impact on my life. My XXXX XXXX XXXX XXXX XXXX and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud. 

Additionally, it is now important to note that this loan has been charged off by XXXX. Based on the precedent set in XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the charge-off was removed after the filing of a 1099 form. XXXX can not both charge off the debt and continue to collect on it, especially since this debt is not mine. 

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.

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