vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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 am filing a complaint against Experian 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. These are the accounts that i have marked inaccurate XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-13 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: FIRST ALLIANCE HOME MORTGAGE
State: IN

Complaint narrative:
I received a deceptive direct mail solicitation from First Alliance Home Mortgage, LLC ( NMLS # XXXX ) on or around XX/XX/year>, claiming I had " {$33000.00} in available funds '' and was " pre-selected '' for an XXXX  loan. The letter included urgency language such as " Final Notice '' and implied government affiliation with phrases like " XXXX  Program Eligibility '' and " XXXX  Insured Loan. '' Upon review, I believe this mailer violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681b ( f ) : Accessing my consumer report without a proper permissible purpose. 

15 U.S.C. 1681m ( d ) : Failing to provide a clear and conspicuous opt-out notice ; it is buried in small font on the reverse side. 

15 U.S.C. 1681a ( l ) : Failing to meet the legal requirements of a " firm offer of credit, '' based on language in the disclaimers stating this is not a commitment to lend. 

I also believe the companys use of HUD/XXXX  language and government-style formatting violates the Mortgage Acts and Practices Advertising ( MAP ) Rule ( 12 CFR 1014 ) and FTC Act 5, which prohibit deceptive advertising in mortgage solicitations. 

I have reached out to the company directly requesting an amicable resolution and will pursue legal remedies if necessary. I am filing this complaint so that the CFPB can be made aware of this pattern and review whether enforcement action is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am making a compliant against Experian regarding dispute comments on the following accounts 1.XXXX XXXX 2. XXXX 3XXXX XXXX XXXX 4XXXX XXXX. I request that the dispute comments be removed off of my consumer report because the investigation has been resolved, I am no longer in dispute. When an investigation is finished or if I no longer wish to dispute the dispute comments must be removed.

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I asked the CFPB to help me to get the interest rate on my Barclays issued Jet Blue card to be under 20 %, to under 10 % so that can pay it down more quickly. As it stands it is close to 30 % interest which is exceesive. 

When I made this request before, Barclays " responded '' by providingn informaiton in the form of statements but they did not take any action which was to reduce my interest rate charged to less than 10 %. I do not feel that this is unreasonable at all, and it will enable me to pay down my credit card debt in a reasonable time frame. As it stands minimum payments extend the debt out to 16 years, That is unfair and unreasonable.

I would appreciate your help and please not allow Barclays to get away with this. They should also foregive the additional payments in the interest by reducing the principal to equal the amount of interested over 10 % so that I can more easily pay down the principal on this card.

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I made multiple large payments to my Indigo XXXX account through XXXX and XXXX, including {$500.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, and {$90.00} on XX/XX/XXXX. I closed the account in XX/XX/XXXX. The balance should have been under {$950.00} at the time of closure. However, without any new charges, the balance has continued increasing now over {$1000.00}. 

The company applied late fees and interest based on payment posting delays they caused. Payments made with my debit card were rerouted through ACH and not posted for several days. Despite my timely payments, they charged interest the very next day, then applied additional late fees and interest based on their delay. 

These actions violate : Regulation E ( 15 U.S.C. 1693 ) delayed ACH posting without proper disclosure Truth in Lending Act ( Reg Z ) failure to timely credit payments FCRA 1681s-2 ( a ) ( 1 ) ( A ) negative credit reporting during a known dispute UDAAP ( 12 U.S.C. 5531, 5536 ) deceptive and abusive fee practices I request full removal of all negative credit reporting, reversal of late and interest fees, and closure of the account at {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America was advised that my credit card was charged without authorization, a fraudulent transaction, and Bank of America refused to credit my card. A small amount of money in total, {$130.00} ... charged over four months, but not only did Bank of America refuse to honor my demand to be reimbursed, it allowed another fraudulent charge to come through to my account even after it claimed it would stop in the future all such fraudulent charges. This was in clear violation of Federal Law that 15 US Code 1644 et. al.

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 monetary relief
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
There are several accounts that are inaccurate on my report. 
XXXX XXXX  XXXX {$1700.00} - not my account XXXX XXXXXXXX XXXX XXXX {$35000.00} - not my account 21 inquiries- no knowledge/permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
There are several accounts that are inaccurate on my report. 
XXXX XXXX  XXXX {$1700.00} - not my account XXXX XXXXXXXX XXXX XXXX {$35000.00} - not my account 21 inquiries- no knowledge/permission

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 2025-04-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union wrongfully closed my business account on XX/XX/year>, citing account fraud as the reason. This action was taken despite the fact that I provided clear and verifiable documentation proving the legitimacy of the transaction in question. 

The deposit in question was a check in the amount of {$38000.00}, which I received as payment for the legal sale of a vehicle through my licensed business. The check was issued by XXXX XXXX XXXX, and I obtained confirmation from that institution verifying that the check cleared without issue. I presented this confirmation, along with additional supporting documents, directly to Navy Federal.

Despite my cooperation and the legitimacy of the transaction, Navy Federal proceeded to close my account and reported me to XXXX, which has caused serious harm to both my personal and professional financial standing. 

I am formally requesting the following : That Navy Federal reopen an internal investigation into the closure of my account ; That I be provided with written proof and documentation supporting the fraud allegation made against me ; That Navy Federal take immediate steps to reverse the XXXX report and correct any false or damaging information. 

I demand that this matter be taken seriously and addressed with urgency. I expect a detailed and timely response outlining the specific reasons for the account closure and the evidence used to justify the fraud claim. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
My house was flooded with raw sewage the second week after moving in. The insurance company stated it did not cover sewage or water pipes. I have XXXX plumbing bill from XXXX XXXX XXXX due to them digging up my front yard doing a maintenance clean up and replacing pipes. The next month the bank sold my loan to anther bank to told me change insurance company. Now the excite account is short and my mortgage has been increase to XXXX which I can not afford. I am still paying for the plumbing bill because it was financed and the plumbing issues continues every time it rains or becomes cold my plumber back up and clogged up with sewage into my toilet & tub. I have invoices, receipts and pictures.

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 2025-04-13 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: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE IT'S FRAUDULENT INFORMATION AND IT'S INACCURATE AND IT'S VIOLATING MY CONSUMER RIGHTS I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE IT'S FRAUDULENT INFORMATION AND IT'S INACCURATE AND IT'S VIOLATING MY CONSUMER RIGHTS I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-04-14 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: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX I sent US Bank a letter requesting adequate assurance of an previous account that has been settled and closed as of XXXX. US Bank replied on XXXX stating that my request was not significant despite acknowledging an agreement was in place between XXXX XXXX and US Bank, Under UCC2-609 that the Lender has performed according to the loan agreement and the original lender used their own money to purchase the Borrowers agreement, note, as money or like money to fund the transaction, check, credit, or similar instrument by the alleged lender ( US Bank ) thenn lent the borrower-which would have an economic effect similar to stealing, counterfiting and swindling -and that the lender has followed the federal laws 12 USC sec 1831n ( a ) ( 2 ) ( A ) and or 12 cfr 741.6 ( b ) regarding Generally Accepted Accounting Principles and Generally Accepted Audited Standards

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 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello JPMCB/Chase Auto is currently reporting a charge off to my account on my XXXX credit report as " account charged off {$25000.00} written off ''. Which is the total balance amount owed at the time of repossession but has not issued a 1099c so that i can properly report this to my taxes. According to the IRS charged off debt written off by a creditor becomes income to the debtor and must be filed as income in their taxes. Can you please have JPMCB/CHASE AUTO send my 1099c for this Charge off so that i can file my taxes properly\. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 XXXX XXXX XXXX XXXXXXXX PAYMENT HISTORY LEGEND Status Account charged off. {$870.00} written off. {$870.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$870.00} Highest balance $ 877 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement - Contact info Address XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Dispute this account CAPITAL ONE 19 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$870.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-13 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
on or about XXXX an auto loan was taken out in my name. I was the victim of identity theft I never took out this loan an improper investigation " shame investigation was conducted by XXXX They simply relied on the data furnisher in spite of FTC affidavit and several police reports. Please instruct me on how to handle this Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See attached files I am writing to formally request your assistance in resolving an ongoing issue with the nationwide credit reporting agencies**Equifax**, **Experian**, and **TransUnion**concerning the presence of **fraudulent addresses** on my credit file. Despite multiple written disputes submitted directly to the credit bureaus, these inaccurate addresses remain on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

These addresses are **not associated with me**, and I have never resided at or used them in connection with any legitimate financial activity. Their continued presence poses a serious risk to my identity and creditworthiness and may indicate or contribute to fraudulent activity.

Per **15 U.S.C. 1681e ( b ) **, the credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, under **15 U.S.C. 1681i ( a ) **, consumers have the right to dispute incomplete or inaccurate information, and credit bureaus must conduct a reasonable investigation and correct or remove the information if it is found to be inaccurate or unverifiable. 

I have provided the required documentationincluding proof of my identity and current residencein every attempt to resolve this matter directly with the credit bureaus. Yet, these addresses have **not been removed**. I am now escalating this issue to your office and requesting your intervention to enforce the FCRA and ensure the protection of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation