vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
Credit Reinsertion Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Reinsertion of XXXX XXXXXXXX Credit Card Account Incorrectly Deleted Dear Equifax, I am writing to formally request that you reinsert my XXXX XXXXXXXX credit card account back into my credit file. This account was recently removed in error and has always been reported as an open, positive account in good standing.Account Details : - Creditor Name : Capital One- Account Number ( last 4 digits ) : XXXX Original Open Date : XX/XX/XXXX, XXXX Status Before Removal : Open In Good Standing- Reported Credit Limit : $ XXXX Payment History : 9697 % On-Time Payments- Last Activity Date : XX/XX/XXXX, XXXX XXXX XXXXXXXX account has been properly maintained and previously verified as accurate by both the creditor and the bureaus, as shown on my XX/XX/XXXX credit report. The recent deletion of this positive trade line has negatively impacted my credit profile and was not initiated by me or the creditor.In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), I request immediate reinsertion of this accurate and verified account information. Please confirm the reinsertion and provide an updated copy of my credit report reflecting the corrected information.If you require verification from XXXX XXXXXXXX, their reporting department can be reached at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX Enclosures ( recommended supporting documents ) :1. Copy of government-issued ID ( drivers license or state ID ) 2. Proof of current address ( utility bill or bank statement ) 3. Copy of Social Security card or W-2 ( for SSN verification ) 4. Copy of the credit report showing the XXXX XXXX account before removal ( dated XX/XX/XXXX ) 5. Most recent XXXX XXXX account statement or online screenshot showing the account is still open and activePlease process this correction as soon as possible and confirm receipt of this letter. I appreciate your prompt attention to reinstating this account to ensure the accuracy and completeness of my credit file.Sincerely, XXXX XXXX XXXX ( Signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I saw on my credit card i did not apply for capital one they amount was for XXXX $ and XXXX for XXXX $ i dont know the dates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-10 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: FL

Complaint narrative:
I am reaching out again regarding my TransUnion credit report. I had previously filed a complaint, but it was closed with the reason that it came from a third party. I want to make it clear that I am submitting this complaint myself directly as the consumer. 

TransUnion continues to report information that is completely inaccurate. XXXX addresses appear on my report that do not belong to me XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX. I have never lived at either of these addresses. 

In addition, there are XXXX collection accounts that I have no knowledge of : XXXX XXXX XXXX, opened on XX/XX/XXXX for {$2200.00} XXXX XXXX XXXX, opened on XX/XX/XXXX for {$780.00} These accounts are not mine, yet they continue to show up on my file. 

TransUnion is also showing several inquiries that I never authorized XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all made within the past year. I did not apply for credit with any of these companies. 

I am asking for TransUnion to properly investigate and remove these inaccurate items from my report. I simply want my credit file to reflect accurate and verified 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: DC

Complaint narrative:
Summary of Issue : I am filing this complaint regarding the handling of my home loan and XXXX program through XXXX XXXX XXXX ( XXXX. The process has been inconsistent, confusing, and has involved several last-minute changes that have caused financial and emotional distress. 

XXXX of Events : XX/XX/XXXX : I placed an offer on my home. 

XX/XX/XXXX : I was informed that my estimated closing cost would be approximately {$6000.00}, which I was prepared to pay. 

XX/XX/year> : I completed every required step inspection, pay stubs, XXXX, identification, and all requested documents. I also signed the disclosures. On XX/XX/XXXX, just XXXX day before my scheduled closing, I was told that my closing amount had increased to around {$10000.00}. 

XX/XX/XXXX : I accepted the new amount, received a higher interest rate to make it work, and prepared to close. On the morning of closing, I was told that I could not proceed because the XXXX program had not approved the date. 

XX/XX/XXXX : I was then asked to provide additional bank statements, followed by a new request for XXXX and XXXX statements. These items had already been visible on my submitted bank statements and had never been mentioned before. 

After my original closing date, I received a raise which should have improved my qualification but I was told there were now discrepancies with my pay stubs. 

XX/XX/XXXX : I was informed that I no longer qualified for the XXXX and that my required closing amount had increased to {$13000.00}, over double the original quote. 

Why I Believe This Is Wrong : I have complied with every request and met every deadline. It appears that my documents were repeatedly reviewed and questioned only after I met each requirement and approached closing. The repeated delays, shifting requirements, and sudden removal of my XXXX eligibility after full compliance are unacceptable and appear discriminatory in nature. 

Desired Resolution : I am requesting that : My original XXXX eligibility be reinstated. 

My closing cost be adjusted to the originally agreed amount of approximately {$6000.00}. 
XXXX A full review be conducted into the handling of my file, including whether the treatment I received was consistent with how other applicants are treated. 

Additional Information : I have documentation of all communications, including emails, disclosures, and updated figures, showing the repeated changes in my loan terms and closing amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to provide clarification regarding my recent communication with XXXX XXXX about the settlement of my account. I contacted XXXX to arrange payment of my debt, and I was informed that once payment was received, I would receive a letter confirming that my account was paid in full. 

However, the letter I received from XXXX stated that my payment had been reviewed, and that the payment would be reversed if it did not go through. This statement was unnecessary because my payment was processed and received immediately without any issues. 

When I contacted XXXX for correction, I was advised that they could not issue me a letter confirming that I no longer owe any balance and that my debt has been fully satisfied. 

This is unacceptable as a bank as big as XXXX to provide me a simple letter stating my balance is 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
This debt is dated on my credit report that it was opened on XX/XX/XXXX from XXXX XXXX but I havent owned a car since XXXX. The last car I had stated paid off back in XXXX of XXXX. Ive been getting letter from XXXX XXXX since XXXX about paying off this debt that I have no knowledge of. Ive asked multiple times for debt validation and havent got a response, also put in a dispute on XXXX multiple times as well ( atleast 6 times ) to request said debt validation and still no luck it always comes back as accurate, but I have no knowledge of said debt Im in the blind currently about this and its causing my credit to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX of XXXX, I requested to be enrolled in a hardship program with XXXX Credit card. I was told I was enrolled and approved in the program same day. I was not told that the program required XXXX consecutive payments before I would be officially enrolled in the program. In addition, I'm also receiving harassing calls and emails requesting payment when I have already made the required payments of {$37.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 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 2025-11-10 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. XXXXFRAUDULENT ACCOUNTS :  XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Balance : {$1900.00} - Date Opened : XX/XX/year> XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Balance : {$3600.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX I XXXX XXXX is disputing this amount of XXXXXXXX XXXX to Caine and Weiner have not provided original creditor documentation or assignment records proving ownership Reporting without validation violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am filing a formal complaint against PennyMac Loan Services regarding a XXXX late payment reported on my mortgage account ending in [ XXXX ] in XX/XX/year>. This late payment occurred during a temporary financial hardship, and I had proactively notified PennyMac in advance that my church would be sending the payment on my behalf. I was explicitly told by representatives that this arrangement would not impact my credit, yet the account was reported 30 days delinquent, causing significant financial and emotional stress. 
Attempts to Resolve : Submitted a goodwill adjustment request via PennyMacs website. 
Called customer service : XXXX ( ext. XXXX, XXXX ) said they can not delete the late payment, then ended the call without escalation. 
Later spoke with XXXX ( XXXX XXXX XXXX, ext. XXXX ), who denied the request but said a supervisor would call on Wednesday. 
Disputed the late payment with all three credit bureaus. 
Why This Should Be Corrected : This late payment was a one-time hardship, and I took all steps in good faith to ensure timely payment.

PennyMac has legal discretion to grant goodwill adjustments for customers in hardship situations.

Refusal to remove the mark is causing emotional distress, financial harm, and unnecessary credit damage despite their ability to reverse it.

Requested Resolution : I respectfully request that the CFPB require PennyMac to : Remove the XXXX late payment from XXXX XXXX XXXX XXXX  as a one-time goodwill adjustment.

Provide written confirmation of the removal.

Review internal procedures to ensure fair handling of hardship situations and customer goodwill requests.

I have made every effort to resolve this directly and have documented all prior communications. I urge PennyMac to exercise their discretion and correct this negative entry, which is both legally permissible and the fair, humane resolution in this hardship situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have private student loans serviced by XXXX XXXX My loans were originally with XXXX, but they got sold to XXXX, effective XX/XX/XXXX. My loans are currently in a non-repayment ( grace ) period, but interest is accruing. I contacted the servicer and told them I want to begin making payments now to avoid interest accumulation and financial harm. They denied my request and stated that I am not allowed to access any payment plan until XX/XX/XXXX. They also said there is only XXXX payment plan, even after XX/XX/XXXX. They are intentionally preventing me from making structured payments while charging interest at the same time. 

I have accrued {$15000.00} in interest. My principal balance ( before interest ) is {$50000.00}. 

Borrowers have the right to make voluntary payments at any time. Their refusal to allow repayment while continuing to accrue interest is causing avoidable financial loss and appears to be an unfair and deceptive servicing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I reached out to the credit bureau and informed them that I am a victim of identity theft and submitted all necessary documents but they will not remove them 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 2025-11-10 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 reached out to the credit bureau and informed them that I am a victim of identity theft and submitted all necessary documents but they will not remove them from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: ID

Complaint narrative:
In XXXX, I opened an account with XXXX Bank. The account was charged off the same year, with the first delinquency in XXXX. In XXXX, Ability Recovery Services LLC reported the account as a XXXX delinquency, nearly 8 years later, which is illegal under the Fair Credit Reporting Act ( FCRA ). This false reporting caused a significant drop in my XXXX XXXX and financial hardship. During phone calls today, I was hung up on, laughed at, and my phone was blocked from contacting the company. I have recordings of these interactions.

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