vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
" I

reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX , DC XXXX Subject : Complaint Regarding Mr. Cooper Mortgage Loan # XXXX Improper Flood Insurance Handling and Escrow Practices Dear CFPB, I am filing this complaint against Mr. Cooper ( formerly NationStar Mortgage ) regarding mismanagement of my mortgage loan, account number # XXXX, which covers a single parcel in XXXX XXXX, Florida, with two separate dwellings. 

Due to the structure of the property, two homeowners and two flood insurance policies are required. Years ago, Mr. Cooper ( or NationStar at the time ) failed to pay one of the flood insurance premiums from my escrow account, resulting in a lapse. When they later discovered the lapse, they required me to obtain flood coverage immediately. Quotes were approximately {$6000.00}, and I made it clear this lapse was caused by their negligence. I requested force-placed coverage at the time, which they agreed to. 

However, for the past three years, Mr. Cooper has been demanding that I carry private flood insurance and has forced flood gap coverage on one of the dwellingsdespite the following facts : I already maintain one flood policy at {$250000.00} on one of the structures. 

The second flood policy is for {$140000.00}, based on structure value. 

The total loan balance is {$67000.00}. 

The entire property is worth approximately {$330000.00}. 

Mr. Cooper is claiming that each flood policy must be for {$250000.00}, which makes no logical or legal sense given the loan balance and total property value. They have now force-placed gap flood coverage and are billing me {$1500.00}, despite the fact that I maintain more than adequate total flood insurance coverage for the loan amount. 

This appears to be both predatory and potentially unlawful. I have tried to resolve this directly with Mr. Cooper, but I continue to be met with rigid and unreasonable requirements that financially harm me due to their original escrow mismanagement. 

I am requesting the CFPB investigate this matter and direct Mr. Cooper to : Remove the force-placed gap flood coverage and related charges ; Acknowledge the adequacy of my existing flood insurance policies ; Ensure proper future escrow handling so this issue does not repeat. 

Supporting documentation, including correspondence, policy statements, and escrow statements, can be provided upon request. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i received a phone call from ( XXXX ) XXXX. They had my name, address and last 4 numbers of my social security number. Claimed they were setting up a case with CFPB because someone applied for a {$7000.00} Chase card in my name in California. 

Since I did not apply for anything I was concerned. I looked up the number and it seems to be linked to a pharmacy somewhere in XXXX XXXX. 

I wanted to report that someone is using your name to try to solicit information.

If you have any advise for me it would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: GA

Complaint narrative:
American First Finance Reported XXXX/2022 account number-XXXX is not my account. I have requested verification from XXXX several times and there has been no response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WI

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I paid off the balance of my Target XXXX in full around XX/XX/year>. Then on or around XX/XX/XXXX I was made aware that charges had been made using my card I did not authorize, as well as the fact that the account was 2 months past due. I contacted Customer service who issued a new card ; however they were supposed to send out paperwork for me to sign to start an investigation. I received the new card, however no paperwork. Customer service has informed me they will continue to charge late fee etc. until the investigation is complete and can not start the investigation until the paperwork is returned, however I can not fill out and return what they never sent/or was never received.

They are reporting the Credit Report as late payment which in turn is harming my scores, they refuse to issue any provisional credits while the invest is on going. I have asked for provisional credits to be applied immediately as is XXXX policy and have been denied any provisional credits, and told once they receive the questionare back via mail or fax they will start the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AE

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Experian consistently responds 24 hours stating the account for XXXX XXXXXXXX XXXXXXXX without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes, Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation 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 2025-05-28 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: AE

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Experian consistently responds 24 hours stating the account for XXXX XXXXXXXX XXXXXXXX without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes, Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account 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.

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I refinanced my XXXX XXXX XXXX with Capital One. As a part of the refinance agreement I turned over my title to them because XXXX  is a state where the consumer holds the title with the lien holder 's stamp on it. They confirmed they received my title via XXXX the first week in XX/XX/XXXX. Since then I have been calling and calling to get my title back. I have spoken to numerous people over a dozen times. I was always told the same story : They were working on sending the title back to me. However, when I called the second week of XX/XX/XXXX I was given a different story. They would only return the title to me when I pay off the vehicle. They told me the laws of XXXX  have changed in the last six months that I have been contacting them over and over again begging for the title and that they will abide by the new law INSTEAD of the one that was in effect when I gave them my title. I asked to speak with supervisors, and they all gave me the same story. I want them to abide by their promise and use the law that was in effect at the time of our transaction and give me my title back. Furthermore, because of my inconvenience and distress that I had from contacting them over the last XXXX months and not getting a resolution, I ask that they credit me XXXX car payments. I was even threatened on XXXX call to not contact any government agency because my issue would not get resolved. I am tired of dealing with this issue and want it on the record that Capital One does not value its consumers, they do not do work only provide empty promises, and they resort to threats and intimidation to prevent consumers from seeking outside help. The money I have saved in my refinance deal with Capital One WAS NOT WORTH IT AT ALL! I wished I would have stayed with the company that actually values its consumers : XXXX. Please help in any way that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-28 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: NY

Complaint narrative:
I previously submitted a dispute regarding the account in question ; however, there are still inaccuracies and incomplete information appearing on my credit report. I formally request the description of the procedures used to investigate this account. You are required to provide this information within 15 days of receiving this notice. If you are unable to verify the accuracy of the information or do not respond within the required time frame, the disputed accounts must be removed from my credit report. Attached is a copy of my written request for the description of procedures. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am submitting this complaint to request a goodwill removal of a one-time 30-day late payment from XX/XX/year> on my auto loan with American Honda Finance ( account ending in XXXX ). 

The payment was marked late due to an error when my bank card information failed to update during my lease-to-purchase transition. I was unaware the payment didnt process as usual. 

I have since made every payment on time, and my account is in good standing. I have sent XXXX XXXX letters explaining the situation and asking for a one-time adjustment all were denied, despite my clean history. 

This single late payment is severely impacting my credit score and my ability to qualify for major financial goals. I respectfully ask for a review and removal of this mark as a XXXX  adjustment. 

I have attached my original goodwill request for reference.

Company response to consumer: Closed with explanation