vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been a credit card holder with Capital One for over XXXX years. Ive always paid off my bill each and every month usually XXXX day prior via my bank depositing money to Capital One. Then I notice in the last XXXX months something changed, Capital One started taking longer to accept my banks deposits. So I started to counter that by moving my date my bank from XXXX days to XXXX or even XXXX days before the due date of the credit card. But I would still get a late charge and interest payments. 

I can only imagine I am not the only one this is happening too, and something is definitely wrong with what Capital One is doing, they are slow walking peoples payments to make money off of them, and this is a new tactic to hurt the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I am writing to urgently bring to your attention a gross violation of consumer rights by Equifax, a major credit reporting agency, regarding an account that has been improperly reported on my credit file. Despite my best efforts to resolve the matter directly with Equifax, they have failed to properly investigate and remove an account that is not mine, which is being reported under a completely different Social Security number. This is not just an inconvenienceit is an outrageous and illegal violation of my rights under consumer protection laws. 

To be clear : this account does not belong to me. It is associated with an entirely different Social Security number, and Equifax 's continued failure to accurately investigate this matter is completely unacceptable. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take reasonable steps to ensure that the information they report is accurate, and it is abundantly clear that this account should never have been associated with my credit profile in the first place. 

Despite providing all necessary documentation and making multiple attempts to correct this error, Equifax continues to ignore its legal obligation to ensure accuracy, resulting in this fraudulent information being reported on my credit file. The FCRA specifically requires credit bureaus to correct any inaccurate or incomplete information. Equifaxs failure to act has caused me unnecessary distress and harm to my credit standing, and I am demanding immediate action to remove this account from my credit report. 


account tone removed : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am a XXXX XXXX Veteran. In XXXX I started working for the XXXX XXXX XXXX XXXX, During that time I applied to have my loan forgiven at least twice, both times I applied I was told that I did not qualify and no other explanation given. In XXXX, I transferred from the XXXX XXXX XXXX XXXX XXXX XXXX and I applied again. ( By that time I had just about finished making payments. ) XXXX of my last conversations was with a XXXX named XXXX said she had to refer to her colleagues. I was told it was denied because it as paid off by then. She apologized and I was then told to contact the Ombudsman 's office for help. Spoke to XXXX who transferred me to XXXX, no help. Meanwhile, I had several non vets that worked with me that had their loans totally forgiven on their first attempt. Why was my loan not forgiven after XXXX  years of service? 

Case # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX To whom it may concern The complaint is about Ford credit. Filing the complaint on behalf of my husband. My husband been taking care of me during my medical treatments and doctors. Because my husband was taking care of me he started to fall behind on his XXXX payments. Then recently he ended up in the hospital. Both my husband and I work. We both have XXXX. 

My husband call to work out payment plan with ford to prevent any repo. My husband didn't want to stop paying ford. So that is why he call to work things out. Ford has online call if you are having difficulty paying. Which my husband did. He did everything right. He didn't go and not answer when ford was calling. He was keeping them updated on everything. After the hospital my husband was just about to catch up and pay ford off on Thursday as he told the agent. 


On Wednesday they took the car. The day before my husband was going to pay. Yet he was told by ford if he make payment arrangements they will not repo the car. He did everything right if kept in contact with Ford.

Then ford lied to him. Repo the car and left us stranded with no way to get to work. No way for me to get to doctors, couldn't pick up my meds. Couldn't even go food shopping. Our area does not have buses or trains. Everything is not walking distance either. We only had one car. 


Ford is not about helping the people. Instead it appear it's all about money and greed. When my husband tried to explain again our situation after they took our car. All ford reps said they didn't care, not there problem and some said too bad. This is beyond heartless and cruel.

I am sorry my husband was helping me. I never knew Ford could be like this. We was willing to pay ford advance payments. Only ford said no. My husband is good man. Helping me. He volunteer with so many different organizations. He also XXXX survivor. He is hard working man who also work his days off. Some of things ford customer service said to my husband is with cruel intentions. They where so nasty. I heard the calls. How he was spoken to by customer service is unacceptable. If others on social media platform just knew how ford was.

Ford did say they will give the car back if he pay the whole loan off. Are they out of their minds. We are still dealing with hurricane damage to our home. If we had that money. Our home would had been repair by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received notification that XXXX XXXX opened a credit card in my name with my information that I did not authorize. After contacting them about this credit card and that it was opened fraudulently they did not report this to the credit bureaus that it was fraud or properly investigate and close the account. I now am being harassed with mail and phone calls after repeatedly telling numerous people at XXXX XXXX who operates the XXXX XXXX credit card to close the account. They incorrectly told me that they would revise my report to the credit bureaus which has not been done and they continue to not close my account and continue contacting 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 non-monetary relief
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused.

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Pinebrook Holdings, LLC
State: DE

Complaint narrative:
a XXXX XXXX at XXXX has been calling a friends phone number being extremely aggressive trying to get information about my whereabouts. I obtained the phone number and called her back. She said I took out a loan from XXXX XXXX XXXX  acct number XXXX. But the account is in collections with a XXXX XXXX XXXX at XXXX. This XXXX at XXXX from what I understand was rude and threatening ; to the point that it was harassment to the friend of mine she called. When I spoke to XXXX she also alluded to that her company would harass me on my job or phone. I would rather work out a deal with the actual company XXXX XXXX XXXX XXXX ) once I verify the loan is legitimate and this isn't a scam. I would like XXXX XXXX at XXXX and XXXX XXXX XXXX at XXXX to not get it touch with me ; I am fearful of them and fearful that they have shady practices. I should not be afraid in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My monthly mortgage statements do not indicate there is a balloon note on my mortgage. I did not know for years there was a balloon note that existed on the mortgage. 

I hadn't contacted the mortgage company in awhile and just continue to pay the mortgage and look at the statements on-line which do not show there is a balloon note of {$80000.00} plus dollars. The mortgage was taken out XXXX XXXX XXXX and sold immediately afterwards to another company. 

The mortgage was sold again to another company in XXXX, but still documents/statement never showed a balloon note on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital Ones High Yield Performance Saving Account had a low yield of .1 % APY. When I opened this account in 2023 I believe this was the highest yield available. I recently open a new account under the same XXXX XXXX Account and it now states 3.7 % APY. I did not know this was possible and I feel very mislead. 

I would have not made this complaint if I did not hear that this was some how illegal but not sure how to proceed. I do wish I knew about this Higher Yield Saving Account back when I opened my original account and I would compiled all of my savings in this 3.7 % APY to help with the increasing costs of everything else. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-02-21 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: GA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
I deposited my state tax return check into my Chime bank checking account via mobile deposit on Tuesday XX/XX/XXXX. Usually my check deposits are available within 48 hours, however after a few days I did not receive my funds. I contacted Chime, and first they told me they could not find my deposit. Then, after providing them tracking information for the check, they confirmed they did have they check and that the deposit did clear ( they warned they might hold checks to make sure they dont bounce ) but that my funds would not be available until the following Tuesday. I asked for more information like why, and they just kept repeating that theres nothing further for them to do. I have bills that are now past due. I will be filing a civil complaint against this bank. But upon researching I found that they legally are not supposed to hold state checks for more than 2 days. And I wanted to report that they are! Earning interest on peoples money and not letting them access it. Its appalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I am writing to formally file a complaint regarding the recent and severe negative impact that student loan servicersspecifically Nelnethave had on borrowers ' credit scores following the end of the COVID-19 forbearance and buffer period. Overnight, thousands of responsible borrowers, including myself, experienced devastating credit score drops due to the sudden reporting of late payments. This drastic change has caused significant financial harm, limiting our ability to secure housing, loans, and other essential financial services.

In my case, I was unaware that the buffer period had ended, and I unknowingly missed payments that I otherwise would have made had I received clearer communication. Because of this, my credit score dropped by XXXX points in an instant. This has placed an unfair burden on me, as I had no intention of missing payments and have since worked to get back on track. However, the damage to my credit is already done, and like many others, I now face financial setbacks that will take years to recover from. 

This issue is not just affecting a handful of borrowersit is a nationwide problem. Many borrowers were not properly informed about the expiration of the buffer period and were blindsided by these negative marks on their credit reports. The sudden and widespread impact has left borrowers scrambling to repair their financial standing, despite our good-faith efforts to repay our loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

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 2025-02-21 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: TX

Complaint narrative:
I have discovered accounts on my credit report that do not belong to me, and I have no affiliation with them in any way. This is not only an inconvenience but also a serious violation of my rights. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate credit report, and these erroneous entries must be rectified without delay. I demand a thorough investigation and prompt resolution of this issue. Should this not be addressed appropriately, I will pursue all legal options available to safeguard 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 2025-02-21 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: TX

Complaint narrative:
I have discovered accounts on my credit report that do not belong to me, and I have no affiliation with them in any way. This is not only an inconvenience but also a serious violation of my rights. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate credit report, and these erroneous entries must be rectified without delay. I demand a thorough investigation and prompt resolution of this issue. Should this not be addressed appropriately, I will pursue all legal options available to safeguard 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 explanation
Consumer complaint received 2025-02-21 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:
Subject : Formal Dispute Request Permanent Deletion of Inaccurate & Unverified Accounts To Whom It May Concern, I am writing to formally dispute the following accounts appearing on my credit report. Upon review, I have identified multiple violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and IRS 1099-C tax laws, which require the immediate removal of these accounts from my credit file. 

The accounts in question are : XXXX. XXXXXXXX XXXX XXXXXXXX DC Balance : {$1300.00} Charge-off Date : XX/XX/year> XXXX. XXXX XXXX : {$630.00} Charge-off Date : XX/XX/year> XXXX. XXXX XXXX : {$870.00} Charge-off Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : {$4100.00} Charge-off Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} Charge-off Date : XX/XX/year> Legal Violations & Basis for Deletion : Failure to Validate the Debt ( 15 U.S. Code 1681 ) I request documented proof that these accounts are valid, including signed contracts, itemized statements, and an original agreement bearing my signature. 
If the bureaus and creditors can not provide this proof, these accounts must be permanently deleted from my credit report. 

Creditor Name Discrepancies These accounts appear under inconsistent names across different bureaus. Any variation in reporting between Equifax, XXXX, and XXXX is a direct violation of the FCRA XXXX ( a ) ( XXXX ) ( A ) and must be corrected by deletion. 

Failure to Provide a 1099-C for Charge-Offs If these accounts have been charged off and the creditor has written off the balance, the IRS mandates that they issue a 1099-C Cancellation of Debt Form.

If no 1099-C was issued, the charge-off is invalid and must be removed from my credit file.

Unverified Reporting & Potential Re-Aging Violations If the " Date of First Delinquency '' is inaccurate or altered to make the charge-off appear more recent, this violates FCRA 605 ( a ) ( 5 ) and must result in deletion.

I demand an investigation to verify whether these accounts were re-aged unlawfully.

Request for Deletion : Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an account can not be verified or is inaccurately reported, it must be deleted from my credit file permanently. If these accounts are not fully validated with legally required documentation, I demand that they be removed within 30 days of receipt of this letter.

Please provide me with written confirmation of deletion or verification results. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief