vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX  USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
The investigation did not fix an error on your 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 non-monetary relief
Consumer complaint received 2025-09-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-16 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
Pursuant to USC 1681g, these erroneous accounts must be deleted within 15 days.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I made a purchase of XXXX from repair pros ; I returned the product after I looked at it ; I requested a refund from XXXX XXXX ; On the XXXX I contacted the capitol one to dispute this amount ; capitol one gave me XXXX into my account before the dispute ; capitol one did get the refund back from XXXX XXXX ; now we are in XXXX and capitol one took out from my account XXXX and put me in the minus ; I was not contacted by capitol one through email ; when I contacted capitol one sent me to an answering service they use and I ask to reopen this case ; This has happened a time before where they gave money into my account and then took it out ; I do not want there money because not I have no money ; they took XXXX months to take the money out with out my knowledge ; these answering services the bank is using is from XXXX and XXXX countries ; I don't like that not able to talk to americans now this is giving them control over my account to do what they will I believe that capitol one never disputed this matter ; they never disputed a matter with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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 am writing to formally dispute the accuracy of certain information on my credit report, as provided to me by your agency. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable, and to have it corrected if can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, 1 ) I reached the 78 % threshold when the PMI is supposed to be automatically removed in XX/XX/XXXX with a lump sum payment. FirstBank continued to charge PMI until I caught it in XX/XX/XXXX. Per your website : Is my PMI automatically canceled once my principal balance is 78 percent of the homes original value?

Yes. Even if you dont ask your servicer to cancel PMI , in general, your servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 
FirstBank is saying this doesn't apply to my account. If this is true, then why does your website say it is automatically removed. Your website should say that you always need to write a statement. As a result, I paid an additional {$1500.00} in PMI while relying on your website. 

2 ) I chatted with FirstBank, via their portal, in XX/XX/XXXX about this PMI issue. They said they did not receive official written notice to cancel PMI until XX/XX/XXXX. I would have done written notice in XXXX if I knew I needed to. 

3 ) They acknowledge they received written notice in XX/XX/XXXX. Per FirstBank, PMI is billed in arrears. PMI appeared on my XX/XX/XXXX statement, XX/XX/XXXX statement, and XX/XX/XXXX statement. If in arrears, I can understand the XX/XX/XXXX statement, but not the XXXX or XXXX statements. 

4 ) When I first applied for the FirstBank Mortgage, I was notified I could recast immediately once I sold my old house and apply the proceeds to my new mortgage. The first recast application they sent to me reflected this. I was denied shortly after and told I needed to wait 90 days from origination date of the original loan. The first application I completed did not state this nor was I told this when applying for our loan otherwise we would have went elsewhere. The second application form I received did spell out the 90 days from origination date of the original loan on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My father XXXX XXXX died in XX/XX/year>, I advised the mortgage company in XXXX of XXXX  that he passed, providing him with a death certificate and my personal XXXX information. They were made aware of his death, I contacted them multiple times between XXXX and XXXX of XXXX  with no response from the company, they refused to give me the payment amount in XXXX of XXXX, they never advised the court that XXXX XXXX XXXX children had taken over and been in contact with them before they filed for foreclosure in XXXX of XXXX  so I could the bill yet they went for foreclosure and never included the estate in the law suit. They filed a fraudulent law suit against our dead father and held the account away from the family long enough for the judge to give them a verdict.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MN

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 : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021, Balance : {$0.00} 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, 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 2025-09-16 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: 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The investigation did not fix an error on your 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 2025-09-16 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: GA

Complaint narrative:
The investigation did not fix an error on your report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I purchased my home XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX 
the seller was XXXX XXXX XXXX Lender is First National Bank of Pennsylvania the price of home at closing XXXX XXXX with fees The closing documents have more than one real estate agent The Appraiser appraised the home at a highly value than those in the area.

The home was sold to me with no equity.

The mortgage was higher due to loan amount. 
The default started due to mortgage being higher from sale price The Bank sold my property on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX bought the property from auction at XXXX XXXX. 
I filed Court documents to ratify the sale and ask for abeyance.

Judge granted motion and reviewed case. Now the same bank is attempting to collect {$73000.00} in arre
ars First bank of pennsylvania sent me loan modififcation package.

I applied, still no work out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates LLC Account number : XXXX Reference number : XXXX Creditor : XXXX XXXX XXXX : {$5900.00} I contacted Portfolio Recovery Associates LLC regarding the above account and disputed the debt and my obligation to Portfolio. I am attaching below the letter with the request. They have not provided this information. 

1 ) No Proof of Contractual Obligation You have not provided a signed agreement or contract bearing my signature that demonstrates I consented to the terms alleged by XXXX XXXX. or XXXX. Without such evidence, there is no basis to assert that I am legally obligated to this debt. 

2 ) No Proof of Chain of Title You have not furnished a complete chain of assignment showing that XXXX XXXX lawfully transferred ownership of this account to Portfolio Recovery Associates , LLC. A mere statement or balance summary does not establish that PRA is the rightful owner of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I successfully closed a loan with Lendmark from earlier this year with no late payments, early, and closed the loan as satisfactory and in full. When I went to apply again with the XXXX branch, I was told by the branch manager that my bank statements which were used in the previous loan, from the same account werent sufficient enough because I needed to provide my XXXX XXXX details. When I told him that I didnt feel comfortable providing 6 months of XXXX XXXX statements, and that I felt that it was very invasive, the response was no problem and we will discontinue the process and mark this as unable to verify income. Which is an insult considering the amount of money that I make and that its clearly in front of you as far as income. Why is it that you need my XXXX XXXX statements? I feel like this is a targeted instance for someone who has more than enough income to cover the loan which is clear my by bank statements, and reliably pay it back as I already have. Id like to know if it is company policy now as the branch manager had said, then why was I approved before based upon my statements and not required to divulge the details of lm my XXXX XXXX transactions? And Id like in your response to show me the policy and when it went into effect that requires that you be so invasive to ask for the details and 6 months of XXXX XXXX transactions when the statements have already been sent and I told you that the XXXX XXXX  name that was linked to my account was mine. XXXX

Company response to consumer: Closed with explanation