vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
INTENT TO SUE TRANSUNION LLC From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : FINAL NOTICE OF INTENT TO SUE FCRA VIOLATIONS Report Date : XX/XX/XXXX FINAL NOTICE BEFORE LITIGATION TransUnion LLC is in violation of the Fair Credit Reporting Act for failing to maintain reasonable procedures and for failing to conduct a lawful reinvestigation after dispute. 
Specifically, TransUnion : Continued reporting a re-aged XXXX XXXX XXXX collection account Failed to disclose the Date of First Delinquency Issued conclusory verified responses without meaningful investigation LEGAL BASIS Violations include : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) Automated verification systems do not satisfy FCRA obligations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
FINAL OPPORTUNITY TO CURE Within XXXX ( XXXX ) days, TransUnion must : Permanently delete the XXXX XXXX XXXX tradeline Correct or delete the XXXXXXXX XXXX XXXXXXXX Provide written confirmation of compliance Failure will result in immediate filing of a jury-demanded civil action seeking punitive damages and injunctive relief. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/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 2025-12-23 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: MS

Complaint narrative:
I am submitting this complaint to report Equifax Information Services LLCs failure to properly investigate and block identity-theft-related credit inquiries appearing on my Equifax consumer credit report , in violation of the Fair Credit Reporting Act ( FCRA ). 

I am a confirmed victim of identity theft and have filed an official Identity Theft Report with the Federal Trade Commission, which meets the statutory definition under 15 U.S.C. 1681a ( q ). 

FTC Identity Theft Report Number : XXXX Despite receiving notice that these inquiries are the result of identity theft, Equifax has failed to conduct a reasonable investigation and has continued to report unauthorized credit inquiries that I did not initiate, authorize, or consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccurate credit report entries on my files with Equifax, Experian, and TransUnion. Specifically, accounts listed as XXXX XXXX XXXX with a balance of {$7300.00}, XXXX XXXX XXXXXXXX XXXX with a balance of {$12000.00}, XXXX XXXX XXXX XXXX with a balance of {$22000.00}, and XXXX XXXX XXXX XXXX with a balance of {$22000.00} are reporting balances and dates of first delinquency that do not match my records, and the statements provided by the creditors are inconsistent with my documentation. These discrepancies represent violations of my rights under the Fair Credit Reporting Act ( FCRA 605, 611, 623, 609 ), the Fair Debt Collection Practices Act ( FDCPA 807808 ), and the District of Columbia Consumer Protection Procedures Act ( DCPA 809 ). I am requesting that each reported account be validated, including full disclosure of account histories, verification of balances, correction of any inaccurate dates of first delinquency, and removal or adjustment of any information that can not be substantiated. The ongoing inaccurate reporting has caused significant XXXX  and concern and continues to negatively impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting a formal dispute regarding inaccurate late payments being reported under the following account on my Transunion credit file : Account Name : XXXXXXXX XXXX XXXXXXXX Original creditor XXXX  Account Number : XXXX Date opened : XX/XX/year> This late payments AND the collection were paid before it went to collection entry are incorrect and possibly unverifiable. As outlined in FCRA 1681i, I have the right to challenge information I believe to be inaccurate. I have not received proper documentation supporting the accuracy of this late payment.

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 2025-12-23 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: MD

Complaint narrative:
I'm putting down to give my XXXX  concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The XXXX  aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I got a new Savor card with my wife and we were promised a sing in bonus that we did not get even though the card was approved and got no noticed that it was not approved. 

Explaining this injustice and the issue that we fulfilled our side of the deal but capital one did not the customer service team did nothing to help they did not care at all. 

even a supervisor XXXX only took a second to dismiss our claim it was impossible for him to put himself in our shoes. we feel let down and deceived by your company and you should have given us the option or the noticed before we spent the required amount to get the welcome bonus. 

I have had capital one with my XXXX XXXX XXXX account for a few years now and thought that I was getting rewarded for it and I was even considering opening a bank account but I fear this is the way you treat costumers. 

This is the horrible XXXX present me and my family get from you It is awful If you are offered something and you approved me for the card and I spent the XXXX dollars to qualify for the XXXX dollars welcome bonus I expect to get it. 

As anybody would I hope you can make this wrong right Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
CFPB Rebuttal Addendum XXXX XXXX Re : Case ID XXXX Correction of Factual Misstatement Cornerstone XXXX XXXX XXXX XXXX states in its XX/XX/XXXX response that on XX/XX/XXXX, I contacted Cornerstone by telephone and expressed an intent to remit payment on the accounts. 
This statement is false. 
I did not place any such telephone call, nor did I express an intent to remit payment to Cornerstone. 
Cornerstone has provided no call recordings, call logs, contemporaneous notes, or business records substantiating this claim. 
Under the Fair Credit Reporting Act and Regulation F, furnishers are prohibited from reporting or relying upon unverified or inaccurate information. The inclusion of a fabricated or unsupported telephone communication further undermines the reliability of Cornerstones investigation and calls into question the accuracy of its entire response. 
If Cornerstone contends that such a call occurred, it should be required to produce : Date and time of the alleged call Incoming or outgoing call records Call recordings or transcripts Agent notes created contemporaneously Any written confirmation allegedly sent afterward Absent such proof, this assertion constitutes an inaccurate factual representation made to a federal regulator and should be disregarded. 
This addendum is incorporated into my original CFPB rebuttal and preserves all rights under federal and state law. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-23 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, I am a XXXX borrower with {$0.00} debt, a perfect payment history, and over {$100000.00} in liquid assets. Despite this, Experian is reporting my status as Fair on their new 2025 1,250-point scale. 
I am actively in the process of purchasing a fourplex ( multi-family ) property valued between {$400000.00} and {$500000.00}. Multi-unit financing is extremely sensitive to credit tiers, and I have calculated my Actual Damages as follows : Interest Rate Spread : The difference between 'Excellent ' and 'Fair ' credit on a multi-family loan is approximately 0.75 % to 1.00 %. On a {$500000.00} loan, this adds roughly {$250.00} {$300.00} per month. Over 30 years, this results in over {$90000.00} in Actual Damages in additional interest.

Upfront Fees ( LLPAs ) : Multi-family Loan Level Price Adjustments are severe. Moving from 'Excellent ' to 'Fair ' can trigger a 2.0 % to 3.0 % penalty fee, costing me between {$10000.00} and {$15000.00} in immediate out-of-pocket damages at closing.

Slander of Credit : This is a willful misrepresentation of my financial character. Experian is using this deceptive 1,250-point model to extort my private bank data or coerce me into paid subscriptions by falsely labeling my perfect profile as a risk. 
I demand an immediate correction of my status to prevent this $ XXXX financial loss and seek full indemnification for any interest rate hikes caused by Experian 's inaccurate reporting.

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 2025-12-23 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been trying since XXXX to have my Escrow account canceled with the loan servicing company Newrez LLC. I filed CFPB complaint : XXXX and received the following as a part of their response. I would like to call attention to bullet # XXXX where it states " according the guidelines established by the investor of your loan, you may request escrow removal after you have....... ''. This is factually incorrect and is a lie. I have spoken with XXXX XXXX and they said this is not out of the ordinary for these servicers to take such an approach. I have pasted below what the XXXX XXXX guidelines actually say under section XXXX Administering an Escrow Account and Paying expenses on page XXXX. I have attached a full updated pdf of XXXX XXXX XXXX guidelines for reference. You will find the requirements on page XXXX. 

XXXX. Newrez typically reviews requests for escrow removal on a case-by-case basis once an account has at least XXXX months of payment history and meets the investors eligibility requirements. This review includes confirming that no payments have been more than XXXX days past due and evaluating Loan-to-Value and other qualifying criteria. 

2. According to the guidelines established by the investor of your loan, you may request escrow removal after you have maintained a XXXX payment history with no payments XXXX days or more past due within the most recent XXXX  months, and no payments XXXX  days or more past due within the most recent XXXX  months. 

The servicer must... 
Evaluate whether it is appropriate to waive the escrow account requirement based on the mortgage loan documents and applicable law. Deny a request to waive escrow requirement for a mortgage loan if the borrower has received a prior mortgage loan modification, or previously been approved for an escrow waiver and failed to make all payments timely, as required, the borrower has experienced any delinquency in the XXXX  months immediately preceding the request, the borrower has experienced a XXXX day delinquency in the XXXX months immediately preceding the request, or the principal balance for the mortgage loan is greater than or equal to 80 % of the original appraised value. 
Maintain the basis for the waiver decision and any disclosures provided to the borrower, if applicable, in the mortgage loan servicing file. The servicer must make this information available to XXXX XXXX upon request. 

Please stop lying and follow XXXX XXXX XXXX guidelines as they are the only guidelines that have any grounds on this matter. They are the loan owner, Newrez is the servicer. 

Please see the XXXX XXXX XXXX Guidelines ( refer to page XXXX ), a snip of the criteria on page XXXX that pertain to this matter and a copy of Newrez 's unacceptable response on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I attempted to open a Capital One 360 checking account online. During the application process, Capital XXXX  system displayed an outdated address associated with old Capital One credit card accounts that were charged off, sold, and then later removed from my credit reports. When I attempted to update the address, I was instructed to call Capital One.

I contacted Capital One multiple times and was repeatedly transferred between Banking, Credit, and Collections, even though Capital One representatives stated that the referenced credit accounts are no longer owned by Capital One. Those accounts have been removed from all XXXX credit bureaus. 

I am not seeking credit, do not acknowledge any current debt with Capital One, and was requesting only that Capital One manually verify my identity and current address and update outdated internal customer profile information so I could open a deposit ( checking ) account. 

Banking representatives refused to perform manual identity or address verification or update my internal customer profile for the purpose of opening a deposit account. A Banking supervisor named XXXX refused assistance and disconnected the call after I requested escalation. 

I am not seeking credit, and there is no active debt or collections issue with Capital One. I am requesting access to a basic deposit account and the correction of outdated internal records that are preventing account opening despite clean credit reports. 

Capital XXXX  refusal to correct outdated internal records and repeated misrouting of a deposit account issue to credit and collections has prevented me from opening a basic checking account despite clean or correcting credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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