vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I never applid for my capital one credit card but somebody applied credit card with my name i dont know how that person applied i came to know about by my XXXX XXXX app when i checked it show u already use some amount from capital card but i never get this card nd never apply for this card i wana know about the address where this card had been applied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
Background : I filed CFPB Complaint ID # XXXX against Sandy Spring Bank ( now Atlantic Union Bank ) regarding how my mortgage forbearance and escrow were handled after my XXXX Chapter 7 bankruptcy discharge. The CFPB closed that case after the bank responded in XX/XX/XXXX. 

New and continuing issue : On XX/XX/XXXX, the bank issued a payoff quote for my property at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The payoff includes XXXX, late charges, and escrow-related amounts that were never disclosed, agreed to, or noticed to me. The bank also claims I had a 24-month repayment plan for an escrow shortageI never received any such plan, nor any escrow analysis or shortage notice as required by 12 C.F.R. 1024.17 ( i ) ( 2 ). 

Forbearance details : The XX/XX/XXXX XXXX XXXX XXXX allowed a 3-month suspension of mortgage loan payments ( XXXX XXXX ) and promised no added fees or penalties. The document does not mention escrow anywhere. A prior XXXX XXXX XXXX XXXX from the same bank did reference escrow, showing the XXXX agreement was written differently and misleading by omission. 

Post-bankruptcy context : Because I was discharged in XXXX XXXX I am no longer personally liable on the note. I continued occupancy voluntarily and relied solely on the written forbearance to understand my obligations. 

Violations and concerns : Failure to provide escrow shortage notice before changing my payment. 
Unilateral imposition of higher payments and late fees without consent. 
Inaccurate CFPB response stating I had agreed to a repayment plan. 
Potential violation of RESPA servicing requirements and unfair/deceptive practice standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I am disputing a debt claimed by RMP Services LLC for XXXX XXXX XXXX. 
I visited XXXX on XX/XX/XXXX, and paid {$160.00} in full at the time of service. I did not authorize recurring payments. My card was later charged {$65.00} on XX/XX/XXXX, without my consent or receipt of additional treatment. 
I cancelled any alleged payment agreement in XX/XX/XXXX and received an email from XXXX confirming the cancellation. Despite this, RMP Services continues to pursue an alleged balance of {$130.00}, which I do not owe. 
I am currently a non-U.S. resident, outside the United States, and do not consent to phone or postal contact. I request that all communication occur only via email. 
I request full validation of the debt and immediate cessation of any collection activity until proper verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-26 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: TX

Complaint narrative:
This account is incorrectly reported under my profile.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CA

Complaint narrative:
I was charged from a purchase I didnt make to some random person Ive never sent money too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
The bank changed my account and routing number due to a new partnership or system migration. I was not provided adequate notice of this change, nor clear instructions on how deposits in transit would be handled. The banks own website states that deposits would not be delayed, which has proven to be inaccurate. 

As a result of this account and routing number change, my direct deposit was delayed or interrupted. I initiated an ACH deposit from my brokerage account. I contacted the brokerage, and they confirmed that the ACH deposit was successfully sent on XX/XX/year>. They also provided me with the ACH trace number, confirming the funds were released. 

I contacted the bank on XX/XX/year>, to locate the missing deposit. As of today, XX/XX/year>, the bank has been unable to tell me where my money is or when it will be posted. The only method to contact the bank is via chat, and there is no reasonable access to phone or live escalation support. 

The bank has claimed multiple times that the issue was escalated internally, but no resolution, timeline, or confirmation has been provided. The bank has not accurately traced the ACH deposit despite being provided with the trace number and confirmation that the funds were sent.

This delay has caused financial harm and risk, including uncertainty regarding access to my funds, potential late payments, and overdraft exposure. The banks failure to properly manage the account transition, failure to provide notice, failure to trace an ACH transaction, and lack of reasonable customer service access constitute unfair and unreasonable servicing practices.

I believe this conduct may violate the following consumer protections : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, due to misleading assurances that deposits would not be delayed and failure to disclose material changes.

Electronic Fund Transfer Act ( EFTA ) and Regulation E, due to failure to properly investigate and resolve an electronic funds transfer issue in a timely and transparent manner. 

General obligations to provide reasonable access to customer service and error resolution for deposit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/year> I began experiencing financial hardship. I enrolled my credit cards into a debt management plan in order to avoid my accounts going past due. Apple Card, through Goldman Sachs, would not participate and was not enrolled in the program. I continued making minimum monthly payments on that account as long as I could. In XX/XX/year>, I called Goldman Sachs Apple Card support because I was unable to make the payment. According to their website, they offer payment assistance which would help me keep my account in good standing while I get back on my feet. See the below excerpt : XXXX XXXX XXXXXXXX Whether you need temporary payment relief or are dealing with a long-term hardship, Apple Card payment assistance plans can help reduce financial stress. Several plans are available, depending on the type of financial relief you're looking for.

Payment assistance plans may help you to : Defer or reduce monthly payments Reduce interest charges Prevent your account from going further past due Regain spending privileges on your Apple Card Pay off your entire account balance over time with no interest Plan terms and lengths vary based on eligibility and your individual needs. 

Even though I explained that this was not going to be a short term hardship, I was told the only option available was to waive my payment and interest for XXXX and that I would need to call back in XXXX to discuss other options. I called back in XXXX, only to be told the exact same thing. I called again in XXXX, again only to be told the exact same thing. I just now spoke with them, again, asking for some form of assistance as I anticipate being in financial hardship for at least the next six months. I have been trying diligently to keep my accounts in good standing during this time, working several part time jobs in addition to my full time employment. In today 's call, I was told that I am not eligible for any assistance because payment assistance is only available once in a 12 month period and they have already offered it to me more than that. I read the exact section above of their website to them and explained that I have been asking for a longer term solution for months and was told that they will not evaluate for those options or participate with a debt management plan until the balance has gone past due and been charged off. 

To refuse to work with someone that is desperately trying to do the right thing and keep their account current is absurd. I have been communicating with them for months asking for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I reviewed my Experian credit report and identified multiple accounts being reported inaccurately and incompletely. Two accounts reported by XXXX XXXX show overstated high balances due to unauthorized or excessive fees, are missing required close dates, and report estimated removal dates instead of fixed dates based on first delinquency. An account reported by XXXX BANK also shows an inflated high balance and is missing a close date. The XXXX XXXX XXXX XXXX account is reported as open even though it was closed in XX/XX/XXXX and is missing a required close date, with balances overstated by unauthorized fees. The XXXX account shows an inflated high balance and charge-off amount, missing a close date, and has never been properly validated. The XXXX  XXXX account has not been validated and its accuracy and ownership are in dispute. I am requesting that Experian reinvestigate these accounts, require furnishers to provide complete documentation verifying all balances, fees, account status, and reporting dates, and correct or delete any account that can not be verified.

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 2025-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. This conduct constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items at 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 explanation
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
Examine the materials shared ; these inquiries were submitted without prior notice and might lack approval.

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 2025-12-26 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:
I have no contractual relationship with this account.

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 2025-12-26 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate. without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions mav also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NV

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-12-26 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: NV

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief