vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX U.S.C. XXXX ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} Account name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-09-23 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 am formally disputing the inaccurate late payment currently reported on my account. This entry is in error, as I have never failed to make payments on time. The continued presence of this false entry unfairly undermines my creditworthiness and misrepresents my responsible financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I called equifax for a credit report they told me they couldnt give me a report because of my old address and I ask them why they couldnt change it I there system I dont understand or remember what they said it should be simple everything is digital these days Ive now relocated to a different state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Summary of Complaint This complaint concerns Carrington Mortgage XXXX ( Carrington ) and its handling of a voluntary deed in lieu of foreclosure on my property in North Carolina. Carrington and/or its contractors engaged in property-preservation activities that were conducted in bad faith, misrepresented in official communications, and carried out without required notice to the borrower, in violation of state and federal law. 

Details of Violations Misrepresentation of Property Securing Date Carringtons communication stated the property was secured on XXXX XXXX. 

I have video and audio surveillance evidence showing the property was secured on a materially different date. 

Any backdating or misrepresentation constitutes unfair or deceptive acts or practices under XXXX XXXX XXXX. XXXX and XXXX U.S.C. XXXX ( XXXX ). 

Disabling of Surveillance Systems Without Notice Carringtons staff, contractors, or agents removed electrical power and disconnected internet service at the modem/router.

These actions disabled the borrowers monitoring systems and left the property unsecured without contemporaneous notice.

This may violate XXXX C.F.R. XXXX and XXXX, which require servicers to provide accurate and timely information in loss mitigation and property-preservation actions. 

Risk of Loss Shifted to Carrington Once Carrington secured the property and interfered with utilities, the risk of loss and insurable interest shifted from the borrower to Carrington under North Carolina insurance and property law ( XXXX XXXX XXXX. Ch. XXXX ). 

Despite this, Carrington continued to treat the borrower as the insurer of record until well after its agents actions.

Harm to Consumer I remained the listed insurer of record during a period when Carrington had already taken possession and disabled my ability to monitor and protect the property. 

This created significant risk of loss exposure for me as the borrower and represents misrepresentation and negligence in servicing obligations. 

Evidence Available Video and audio surveillance with metadata confirming the actual date Carrington secured the property.

Documents placed by Carringtons contractors on the property.

Copies of Carringtons correspondence misrepresenting the date of securing.

* Video evidence has been preserved for any and all future judicial proceedings and will be produced solely in accordance with applicable rules of discovery, including Fed. XXXX XXXX. XXXX XXXX and XXXX ( or corresponding state civil procedure rules ), which govern the timing and scope of evidentiary disclosures. Until such time, the evidence is not subject to premature production.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-23 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I received a notification from my credit card monitoring service regarding a new account posted on my account. Due to the fact that it was for a significant amount, it caused my credit score to drop. Upon further investigating I realized that there are XXXX accounts that do not belong to me at all. When I tried to dispute them online via Experian I was told to immediately call them and report the identify theft. There is XXXX account that has been open for over a year but I never noticed it because it was in good standing. The account is from XXXX  XXXX XXXX for the amount of $ XXXX Westlake Financial {$8500.00} and the most recent is XXXX XXXX {$4800.00} XXXX There is also an address that is not mine XXXX XXXX XXXX, XXXX, Nj XXXX which is linked to all three accounts. I gathered this information in attempt to dispute the personal information.

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 2025-09-23 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There is a fraudulent collections from XXXX XXXX on my credit report. This is not my debt. I didnt have any rental agreement with them. I never did any business with this company. I filed ID Theft Report with FTC. See attached. Please remove these fraudulent collections from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Chase Credit Card Rewards Points Forfeited Without Notice Complaint : I was a Chase credit card holder until 2020, when Chase closed my account. At the time of closure, my accumulated rewards points were removed without my knowledge. I was not properly notified that my points would be forfeited, nor was I given an opportunity to redeem them. 

Chase representatives have since told me the points can not be reinstated. However, I believe I should have been provided clear notice and a reasonable period to redeem my points prior to expiration. This lack of communication resulted in a financial loss, as my points had monetary value. 

I am requesting that Chase reinstate my rewards points or provide an equivalent statement credit as a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom it May Concern : COMPLAINT : Capital One closed both of my credit card accounts citing " account violations '' due to four ( 4 ) returned payments over two ( 2 ) years. This occurred last Friday, XX/XX/2025. 

-I have never missed or been late on any payment -Each return happened only because my stock brokerage auto-drafts cleared at the same time as my card payments ; in most ( if not all ) instances, a payment was neither due nor required, I was simply paying off my card ( s ) -It was not unusual for me to regularly make payments of $ XXXX ( the accounts were never in danger of being late and/or going unpaid )- I can provide statements for both cards illustrating this fact -I have always re-submitted payment within 24 hours, and balances were fully paid -XXXX XXXXXXXX emailed me about two ( 2 ) of these returns ( XX/XX/XXXX and XX/XX/XXXX of 2025 ), but never disclosed that these counted as violations or risked account closure. Had I known, I certainly would have taken extra steps to ensure further duplicate auto-drafts were avoided HARM : My accounts were shut down without clear notice ( or notice of any kind ), leaving me no chance to remedy. This was not due to non-payment or delinquency, but to minor timing issues which I always immediately corrected as soon as possible. 

Upon calling Capital One last Friday, I asked for an explanation regarding the closed accounts. After escalating the incident and requesting a supervisor, the conversation became more heated on both ends. For my part, I regret this... I was completely baffled and caught off guard ( as mentioned, I have never missed a payment and received no warnings that my account was at risk of closure ). After being interrupted several times and given no explanation as to why warnings were not sent in any of the four ( 4 ) instances, I was placed on hold and experienced a XXXX XXXX. I was forced to hang up and have not attempted contact with Capital One since. 

RESOLUTION REQUESTED : -Reinstatement of my credit card accounts ( they closed both even though they only referenced one ) or removal of any negative closure language from my credit reports -Written clarification of Capital One 's returned-payment policy and why prior notices omitted " account violation '' warnings and/or never mentioned the possibility of account closure -I would like to be able to make my final payments on both accounts. Although I can access my account via the Capital One app and website, both accounts are listed as being " restricted '' and my last payments of {$220.00} and {$80.00} ( made last Friday, the day of the closure ) have not yet been reflected on their app or website once logged in Thank you for your time and attention. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Returned a leased XXXX XXXX XXXXXXXX to Ally financial. Under their own written policy, windshield cracks under .5 inches are not subject to excess wear fees. There was a small window crack which I was quoted {$120.00} to repair. Multiple competent people measured the crack immediately prior to return and high-resolution photos were taken clearly showing the crack was less than .5 inches in length. The crack, and tread wear, were measured on the day it was returned. I received a bill for {$1200.00} for windshield replacement for a crack in excess of .5 inches in length. Multiple attempts to contact a supervisor at Ally auto finance failed. They provide no ability to submit evidence refuting excess wear charges. They provide no ability to physically access the vehicle post return nor to have another inspector take a measurement. It is unknown when the inspection was done after the vehicle was returned or if they have a time stamped photo of said inspection.

Company response to consumer: Closed with monetary relief