vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Subject : Request for Removal of Obsolete/Unauthorized Negative Items Under XXXX U.S.C. XXXX Dear Experian Dispute Department, I am formally requesting the removal of the following accounts from my credit report pursuant to my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX, which requires consumer reporting agencies to block information resulting from alleged identity theft or unauthorized accounts when properly notified. 

Please investigate and remove the following items which I believe to be inaccurate and/or the result of identity theft or error : XXXX. XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Balance : {$4400.00} XXXX. XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Balance : {$640.00} These accounts do not belong to me, and I am requesting that you immediately block them from appearing on my report as required by XXXX XXXX. XXXX, pending your investigation. Please provide confirmation of your investigation results in writing.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I contacted Capital One through the CFPB over 30 days ago and Capital One responded XX/XX/year> stating payment options for my credit card. On XX/XX/year> I contacted capital ones customer service with the number provided on the letter issued from capital one. The customer agent that I spoke to was XXXX and her agent ID number is XXXX. She stated that the letter that was sent to me through the CFPB was not eligible and she wouldnt offer the amounts on LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.The name and address of the original creditor.

2.The original account number associated with the debt.

3.The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.Copies of any signed agreements or contracts establishing my liability for this debt.

6.Proof that the debt is within the applicable statute of limitations.

7.Copies of any judgments obtained against me ( if applicable ).

8.The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I accident left my debit card at the atm someone took the card and used it at several gas station. I contact Navy federal and within a few hours they denied my dispute. I try reaching back out to them and have to wait up to 30 days to get a second look at my dispute I cant wait that long that money was to pay for my company insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 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 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 non-monetary relief
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including 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/year>

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-26 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: NY

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 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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
XX/XX/year> Re : Discrimination Applying for a Heloc Amount : $ XXXXDebt Consolidation Lender : Rocket Mortgage To whom it may concern : I am writing about Rocket Mortgage, I have had a mortgage with them for the past 12 years and in great standing. I recently applied for a Heloc of {$83000.00} and the underwriter was taking too long to close the loan. When I asked why, the underwriter contacted me and stated that my employer said I was on leave from work. 

I did let Rocket Mortgage know that I was on leave last year on medical leave for 3 months but returned to work in XXXX of XXXX. Currently, I am approved on an " as needed '' paid leave to take " paid '' time off from work for doctors appointment and treatments. I have sent them over XXXX tax returns as well as W2 's showing that I am employed. The underwriter still gave me a hard time and I felt that I was discriminated against due to my disabilty. I have excellent credit and was just looking for a loan for debt consolidation and the Rocket Mortgage gave me such a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-25 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several unauthorized and inaccurate hard inquiries listed on my credit report. These inquiries are unjustified, were made without my consent, and are negatively affecting my credit score and financial stability. I am requesting their immediate investigation and removal.

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 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX the authorized user received email from XXXX XXXX of a late/miss payment from XXXX. Since Im the cardholder I checked my XXXX XXXX and noticed Equifax dropped XXXX points from my credit score. Ive never had this experience in my life and Im retired XXXX XXXX XXXX. As far as I could remember Ive paid off my balance with Target each statement I received as I often paid off my small balances habitually. 
On XX/XX/XXXX I contacted Target was told by their Collection Customer Service my last activity was {$40.00} charged in XXXX, and this was the amount due on XX/XX/XXXX statement, but ( this paper statement/bill ) mail got returned to Target. He proceeded to verify my mailing address and it hasnt changed. He also suggested I paid this amount immediately by phone with him and hell submit request to remove {$30.00} late fee for XXXX, and {$40.00} late fee for XXXX. He said since it is NOT YOUR FAULT. 
I asked why didnt XXXX notify me at all of the situation because I did not receive any email, phone call, or letter, or any additional bills/statements from XXXX since XXXX. He didnt respond. 
I did make several additional phone calls the following days trying to resolve the situation but each time Customer Service asked for me to pay. I did pay them an additional {$33.00} by phone and a final payment of {$2.00} from my bank. The last customer service rep I talked on XX/XX/XXXX was kind enough to remove the XXXX {$40.00} late fee, but advised supervisor is not available for me to talk for XXXX hours and Id have to leave a message instead. 
I signed up for XXXX card since XXXX because I like their products and shopping online to pick up at the store for my conveniences, and the XXXX % saving to help with taxes. But this negative experience with XXXX is causing my disappointment, mistrust, and betrayal towards XXXX. Its creating stress, anxiety and humiliation every time I call them. I feel Im being punished for no reason ; my mail was being returned and XXXX failed to notify me and XXXX was unjust and unfairly by continue to charge me late fees internally, then sent me to their collection department, and causing Equifax through XXXX to dropped XXXX points from my credit score. 
In addition, I made several attempts to remove the authorized user, XXXX XXXX is my daughter from this account because shes purchasing a home and this late payment situation is not helping her with the home loan application. I still see her name on my XXXX account today, nothing has been done. 
Reason I listed her name on my XXXX because she helped with the shopping I am XXXX XXXX XXXX. 
It seems XXXX doesnt care or aware of their poor judgment and actions, and quick to collect late fees then transfer their customers to their Collection department disregarding the facts that there will be negative financial consequences for their customers. Its such a robotic, cold and lack of empathy for humans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 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:
I disputed an account on my TransUnion credit report from [ XXXX and XXXX ] and provided documented proof via email showing that the account should be removed or corrected. Despite this evidence, TransUnion marked the account as " verified '' without properly investigating my dispute. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a reasonable investigation of any dispute. Simply contacting the furnisher without reviewing the evidence I submitted does not meet this requirement. 

I am requesting that the CFPB require TransUnion to conduct a proper investigation based on the documentation I provided, and either correct or delete the inaccurate account from my credit report. I have attached the email correspondence as supporting evidence. 

Thank you for your 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 2025-04-26 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: TX

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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 non-monetary relief
Consumer complaint received 2025-04-26 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: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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