vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My address is wrong and I want only one address reporting on my credit report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.

Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
My address is wrong and I want only one address reporting on my credit report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.

Sincerely, XXXX XXXX SS # : 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 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Greetings : On XX/XX/year> I Opted Into The Fee Free Overdraft Feature. On XX/XX/year> I Used The Feature To Instantly Transfer 2 Separate {$20.00} Approved Transactions To XXXX XXXX  XXXX, Via Online Debit Card. The Transactions, To Date, Haven't Transferred Nor Have They Posted. In Speaking With Capital One XXXX XXXX, She Refused To Escalate The Matter. In Speaking With XXXX XXXX, They Have No Information On Any Of The XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX is not reporting accurate information on my credit report. I also called Experian and ask them to give me the information of their report. They told me I have to go through the CFPB XXXX XXXX  is not reporting accurate information. All theyre doing is changing things and making my credit report even more inaccurate.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into the accuracy of the following information in my credit report. The FCRA requires that inaccurate or unverifiable information be removed or corrected, usually within 30 days of receipt of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to notify you that I am a victim of XXXX XXXX and to demand the immediate and permanent removal of the following unauthorized hard inquiries from my credit report. These inquiries were made without my knowledge, authorization, or any legitimate business relationship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am submitting this complaint regarding the continued reporting of late payments on my credit report from XXXX  XXXX These late payments were reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

While these entries may have initially been accurate, they are now outdated and no longer reflect my current payment behavior. I have demonstrated consistent and timely payments since then, and these negative marks are unfairly impacting my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies and furnishers are required to ensure all reported information is accurate, fair, and not misleading ( 15 U.S.C. 1681e ( b ) ) ; Obsolete or irrelevant negative items should not be used to evaluate a consumer 's current credit standing ( 15 U.S.C. 1681c ) ; Consumers are entitled to have disputed information investigated and, if inaccurate or unverifiable, removed ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

I previously disputed these entries, but the bureaus declined to remove them. I am now requesting the CFPBs help in : Conducting a thorough investigation ; Compelling the furnisher and bureau to re-review this entry with consideration for its age and my current behavior ; Facilitating its removal if it is deemed unfairly damaging or misleading under FCRA standards. 
This situation is also supported by case law such as Shimon v. Equifax Info. Servs. LLC, 994 F.3d 88 ( 2d Cir. 2021 ) and Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ), which underscore that credit data must not only be factually correct but also not create a misleading impression. 

Thank you for your attention to this matter.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b"I was contacted by chase bank about a suspecious transactions on my account. I was contact by a person name Antony around 1:12pm He told me that there was an apple transaction and another debit transaction. totalling more than 20 thousand dollars. Then he transfer me to another called with the FD department her name was Susan she gave me her number which is 6473 from chase with her personal desk number XXXX. She gave me instructions on what to do. At the time I didnt know if to believed her or not but she was calling me from the chase number which is XXXX XXXX XXXX XXXX. She instructed me to get 20 thousand dollars and to transfer it to a digital wallet debit card and I was instructed to take another 4 thousands and to transfered it to the same digital google wallet debit card. I was instructed not to print a receipt but to an email that wasn't mine. Then I was instructed to delete the digital wallet debit card which I did. I was told by Susan that its gonna take about 72 hours to get back my money. I called chase to ask about this transaction and I was told that it was probably fraud. Can you please help me. I have no idea what to do. Do I keep on calling this person. I tried getting the delete information from google wallet but I can't."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: UNITED MORTGAGE CORP
State: NY

Complaint narrative:
Complaint Regarding Potential VA Loan Fee Violation ( VA 1 % Rule ) Attached you will find closing disclosures by XXXX XXXX XXXX ( # XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding what I believe to be a violation of the Department of Veterans Affairs ( VA ) lending guidelines by my mortgage lenders in connection with my recent VA-backed home loan. 

# # # Details : * * * Loan Amount : * * {$630000.00} * * * Loan Type : * * VA Home Loan * * * Original Lender : * * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Loan Holder ( after sale ) : * * Planet Home Lending LOAN # XXXX ( [ www.planethomelending.com ] ( https : //planethomelending.com/ ) ) * * * Lender Fees Disclosed ( Section A of Closing Disclosure ) : * * {$21000.00} * * * Origination Charges Breakdown : * * * 3 % of Loan Amount ( Points ) : {$19000.00} * Processing Fee : {$790.00} * Underwriting Fee : {$1300.00} * * * Additional Lender-Related Fees ( Section B ) : * * * Doc Prep Fee : {$470.00} * XXXX Fee : {$24.00} According to VA lending rules ( VA Pamphlet 26-7, Chapter 8 ), lenders may charge * * no more than 1 % of the loan amount * * in fees ( which would be * * \ {$6300.00} * * for my loan ). Based on the Closing Disclosure, I was charged approximately * * \ {$21000.00} * * in fees that appear to fall under the VAs 1 % cap well in excess of what is permitted. 

The loan was originally issued by * * XXXX XXXX XXXX XXXX *, which subsequently sold the loan to * * Planet Home Lending * *. As the loan has been transferred, I believe both entities may be responsible for ensuring that the loan complies with the VA guidelines, and I am requesting the CFPB review this issue to determine whether either lender violated the federal guidelines.

These excessive charges undermine the protections afforded to veterans under the VA loan program. I am requesting the CFPB review this issue to determine whether the lender violated federal guidelines and to help ensure compliance and accountability. 

I have attached my * * Closing Disclosure * * and can provide any additional documentation required. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Current Loan with Planet Home Lending LOAN # XXXX Attached you will find closing disclosures by XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX Royal Bonnet Circle XXXX XXXX, Maryland XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Complaint Against Experian for Violations of TILA and FCRA Relating to Billing Errors and Improper Credit Reporting I am filing this complaint against Experian due to multiple violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer credit report, I identified serious billing errors and improper reporting that constitute violations of federal law. 
Under TILA, specifically 15 U.S.C. 1666 ( b ), creditors must properly reflect payments made on a credit account. Additionally, under 15 U.S.C. 1666 ( c ), they must correct computation or similar accounting errors. Furthermore, failing to issue a billing statement at least 21 days prior to a reported late payment violates TILA and invalidates any such delinquency. 
Under FCRA, specifically 15 U.S.C. 1681i, Experian/Equifax/Transunion must conduct a proper reinvestigation of disputed information and ensure only accurate and verifiable data is reported. 
I requested the following actions from Experian/Equifax/Transunion : XXXX Verifiable proof from original accounting records not generic statements that : - A payment was missed, AND - A proper billing statement was provided at least 21 days before the reported late payment ; - OR update the accounts in question to reflect 'Paid as Agreed ' or remove the negative entries entirely.

If Experian/Equifax/Transunion does not comply , this constitutes a willful or negligent violation of 15 U.S.C. 1681n, 1681o ( FCRA ), and 1666i ( TILA ), entitling me to damages, punitive damages, and legal costs. Please be advised : I have already submitted formal complaints to the CFPB, the State Attorney General, the Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ). If no correction is made within 15 calendar days, I will pursue Small Claims Court action. This complaint is submitted to the CFPB to ensure compliance and initiate enforcement action if necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX Royal Bonnet Circle XXXX XXXX, Maryland XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Complaint Against Experian for Violations of TILA and FCRA Relating to Billing Errors and Improper Credit Reporting I am filing this complaint against Experian due to multiple violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer credit report, I identified serious billing errors and improper reporting that constitute violations of federal law. 
Under TILA, specifically 15 U.S.C. 1666 ( b ), creditors must properly reflect payments made on a credit account. Additionally, under 15 U.S.C. 1666 ( c ), they must correct computation or similar accounting errors. Furthermore, failing to issue a billing statement at least 21 days prior to a reported late payment violates TILA and invalidates any such delinquency. 
Under FCRA, specifically 15 U.S.C. 1681i, Experian/Equifax/Transunion must conduct a proper reinvestigation of disputed information and ensure only accurate and verifiable data is reported. 
I requested the following actions from Experian/Equifax/Transunion : XXXX Verifiable proof from original accounting records not generic statements that : - A payment was missed, AND - A proper billing statement was provided at least 21 days before the reported late payment ; - OR update the accounts in question to reflect 'Paid as Agreed ' or remove the negative entries entirely.

If Experian/Equifax/Transunion does not comply , this constitutes a willful or negligent violation of 15 U.S.C. 1681n, 1681o ( FCRA ), and 1666i ( TILA ), entitling me to damages, punitive damages, and legal costs. Please be advised : I have already submitted formal complaints to the CFPB, the State Attorney General, the Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ). If no correction is made within 15 calendar days, I will pursue Small Claims Court action. This complaint is submitted to the CFPB to ensure compliance and initiate enforcement action if necessary. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
My XXXX XXXX  Account was billed fraudulently For several months and charged late fees. Now my employer is planning to garnish my wages. Becasue I can not provide receipts. How can I provide receipt for fruadulent charges. I reported the fraud last year and the XXXX company reversed the charges only to put them back on my card and freeze my card so I can not use it but continue to take my money from my payroll. I called my employer to cancel the payments but I was told I could not cancel until next year. Meaning ths company can continue to hold my money hostage and not allow me to use my money is insane. I believe it is also a crime. No one has the right to old my future income hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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  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 1002 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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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