vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
Dear Experian Consumer Services, I am reaching out to request an urgent correction regarding inaccurate reporting on my XXXX card. Your records incorrectly show a credit limit of {$0.00} for this card, which does not align with the card 's true natureit does not have a preset credit limit. This error significantly impacts my debt-to-income ratio and hinders my ability to qualify for a mortgage. 

Under the guidelines of the Fair Credit Reporting Act ( FCRA ) Section 605B, I request that this error be rectified within four days. Enclosed, you'll find my credit report with highlighted discrepancies, including : - Account Number : [ Account Number from Report ] - Balance : {$2900.00} - Credit Limit : {$0.00} ( Incorrect ) - High Credit : {$2900.00} Thank you for addressing this matter promptly. I look forward to your confirmation of the corrections.

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 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report. i also was aware that i was a victim of XXXX data breach. please remove these accounts from my credit report. they are hurting my ability to obtain credit, being that i was recently released from prison I'm having a hard time finding stability. thank you

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Arena Investors, LP
State: IN

Complaint narrative:
I had a case submitted in my county against me for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not yet been served the summons in this case, but it was filed on XX/XX/year>. The debt was sold to Ceteris Portfolio LLC and I was never informed that it was sold nor was I informed that that an action may be filed against me. I wasn't given an opportunity to dispute, settle, etc. 

On the complaint, the debt language was on it to dispute, which I found odd because they never provided me a letter with that info.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are addresses being reported to my consumer report resulting from the data breach with Equifax and XXXX. I have contacted each bureau by phone and followed with a letter by certified mail requesting that this incorrect information be removed from my credit report. Furnishing this inaccurate information is in violation of 15 usc 1681b and 15 usc 1681 c-2. 

Please delete this inaccurate information and use the address listed on my Identification

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
On XX/XX/year>, I sent Columbia Debt Recovery ( Genesis Credit Management ) a certified legal dispute letter and a XXXX  copy demanding permanent deletion of a collection account related to a defunct property ( XXXXXXXX at  XXXX XXXX ). The account was re-aged and has been reporting inaccurate information, with an incorrect delinquency timeline. I requested validation including the original lease, assignment documentation, and account breakdown. They failed to respond or provide proof. This account is negatively impacting my credit and housing opportunities, and I am requesting immediate deletion due to FCRA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage took over my loan in XX/XX/year>. 
I made flawless payment on time monthly with zero issues, ever. 
For some reason, escrow payment went up and made my paymenty {$48.00} higher. 
In short- the total outstanding was {$100.00} - no one provided that data. 
I had called in XXXX when I was told there were XXXX or XXXX monthly playments outstanding. I spoke to Rocket and the gentleman who asisted corrected the errors and assured me all was fine and up to date. 
I thien made {$4500.00} payment in XXXX ( as scheduled ) and XXXX is in process ( as scheduled ). 
Today I received a email saying ehy sent in a late pmt/negative credit to the credit agencies- over {$100.00} with no prior direct communication. 
The person I spoke to today ( XXXX XXXX told me the person in XXXX was correct that payments were made and properly applied, but there was a minor shortfall ( *never communicated ). 
So XXXX sent my loan to collections and credit bureaus. Absolutely rediculous. 
I am fully up to date - and they now say there is " nothing they can or will do to reverse the negative credit mark ''. 
This is a terrible organization. All I want is my credit fully restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-07 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:
Equifax I am filing this FTC Identity Theft Affidavit to report fraudulent fraudulent items appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ) and I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports, as are my rights under the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent items I have found are : Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ). I've attached a list of the negative items in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned fraudulent items as reported. The aforementioned fraudulent items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned fraudulent items are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit fraudulent items are the result of identity theft and fraud. And this request is not being made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a True Accord collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, True Accord would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

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 2025-04-07 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Someone opened an account in my name. At the the time the account was opened I was in a XXXX XXXX. Also didn't have a I'd at the time or at any of the addresses they so sent the paperwork to. Just trying to get some type of understanding of this. I got a I'd with the XXXX XXXX address and the time frame on there. Plus some other paperwork.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Please explain the reason for the credit decline on all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
UNDER COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>. CAPITAL ONE DELIBERATELY FAILED TO PROVIDE A RESPONSIVE LETTER, BUT ISSUED A LETTER REQURED ME TO CALL CUSTOMER SERVICE, WHICH IS NOTHING MORE THAN A SCAM BY CAPITAL ONE. CAPITAL ONE DEALT IN BAD FAITH, CONSPIRING TO STRING ME ALONG AND NOT RESOLVE THE COMPLAINT. 

I believe that Cap One did not investigate the dispute and did not even present the dispute to the merchant, nor did they get a merchant response if they did bother to present the dispute to the merchant. CAP One simply closed out the dispute early to evade providing the temporary credit et seq. 

CFPB is negligent in failing to require CAP One to provide a written response. I attempted to reach someone XXXX times, who knows how to deal with XXXX  responses on debit card dispute issues. The Cap One response letter is nothing more than a scam to discourage resolution and disputes.. 

Today, the agents told me that the XXXX  number is not reflected in my account profile, and they do not know who to transfer my call to. WHAT A WASTE OF TIME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
MOHELA has illegally capitalized {$660.00} of interest onto my principal balances within the XXXX  % interest timeframe that my MOHELA account still confirms I'm party to, due to being on the XXXX plan. That action is impermissible and needs rectified. MOHELA has been entirely nonresponsive to my outreaches about this action. 

In XX/XX/year>, I recorded my loan balances and interest of each loan, with a total across my loans equaling {$56000.00}. This is the correct amount total for my XXXX federal loans. I checked my MOHELA account for something XXXX, and discovered the servicer has illegally and inexplicably added {$660.00} across the XXXX loans, in interest. This is not allowable during the interest freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$10.00} - late/closed XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$440.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$10.00} - late/closed XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$440.00} 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 2025-04-07 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: NY

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Transunion ] RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT Dear Sir or Madam, I am writing to formally demand the immediate removal of fraudulent accounts from my credit report, which were opened without my authorization as a result of identity theft. 
I acknowledge that credit reporting agencies are tasked with maintaining accurate and up-to-date information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). However, under the law, it is irrelevant whether or not the information is " verifiable '' in cases of identity theft. The criminal responsible for this fraudulent activity has gained unauthorized access to my personal data and is using it to open accounts in my name. As such, the information on my credit report is inaccurate and must be removed in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

I would like to make it clear that the existence of fraudulent accounts on my report is not a matter of " dispute '' or " verification '' under standard credit reporting procedures. Given that the accounts were opened through the illegal use of my personal information, their inclusion on my credit report is a direct violation of my rights. As such, I demand the immediate removal of the following : 1. All fraudulent accounts that have been opened without my consent.

2. A written confirmation from your office indicating that these accounts have been fully removed from my credit report.

3. A comprehensive investigation into this matter, as per FCRA 1681i, and the completion of that investigation within 30 days.

To substantiate my claim, I have enclosed the following documents : 1. A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), 2. A copy of the police report detailing the fraudulent accounts, 3. A copy of my government-issued ID, 4. A copy of a recent utility bill or bank statement verifying my address.

Please understand that the criminal misuse of my identity is a matter of great urgency. I am requesting that these fraudulent accounts be removed from my credit report, regardless of the ability to " verify '' them, as the underlying causeidentity theftis indisputable. Failure to comply with this request within the statutory 30-day timeframe will constitute a violation of the FCRA and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further remedies.

I expect prompt and thorough action to resolve this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive had issues trying to login or request a free annual credit report from XXXX for years. Contacting them doesnt work, Ive tried multiple times. I Im just tired of avoiding the problem. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
Account Name : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Amount in Dispute : {$1600.00} Dear Credit Bureau , I am writing to formally dispute the collection account listed on my credit report under the account number XXXX, which reflects a balance of {$1600.00}. Under the CFPB 's amended Regulation V implementing the Fair Credit Reporting Act ( FCRA ), medical debt information is prohibited from being included on credit reports provided to lenders. 
Additionally, lenders are barred from considering such information in lending decisions. 
The continued reporting of this collection account directly violates the amended regulation. This account represents a medical debt, and its inclusion on my credit report contravenes the legal protections now in place to prevent the misuse of medical debt information. 

In accordance with these legal standards, I kindly request the immediate removal of this collection account from my credit report. Please investigate this matter promptly and provide me with a written response indicating the actions taken. If this account can not be verified or its inclusion justified under current law, I expect its deletion. 
Thank you for your attention to this urgent matter. I look forward to your response within the 30-day period allowed by 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 explanation