vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ 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 2025-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally report serious misconduct and servicing violations by Carrington Mortgage Services in the handling of my VA-backed mortgage loan under the Veterans Affairs XXXX XXXX ( XXXX ) XXXX. 

Over the past several months, I have made every effort to comply with the agreed-upon repayment terms through the XXXX program XXXX Despite this, Carrington has : Repeatedly misapplied or returned payments that were made on time and in full.

Placed my account into foreclosure twice despite receiving payments ( confirmed by Carrington representatives ).

Admitted to payment mishandling in recorded calls, yet has not corrected the errors or restored my standing under XXXX. 
Forced me to restart the trial payment plan due to their own internal mistakeswithout guarantee that completion will reinstate my loan protections. 

This is not the first incident. I have documentation and audio transcripts of multiple attempts to pay, including a XX/XX/year> payment that was misapplied or returned, and an XX/XX/year> payment ( for {$1200.00} ) that was acknowledged as received but left in unapplied status, voiding my trial plan without justification. 

On XX/XX/year>, I received a voicemail from XXXX XXXX at the Department of XXXX XXXX, confirming that Carrington admitted to receiving my payments but stated that they will only consider an exception to reopen my XXXX review after I finish paying the remaining trial paymentsdespite their own mishandling of the original plan. 

This is not only a breach of trust but appears to be a systematic servicing failure. I am caring full-time for a XXXX parent, and these repeated, unexplained disruptions have placed my family in unnecessary financial and emotional distress. I am trying in good faith to resolve this, but Carrington has consistently made that impossible.

I am requesting that : 1. Carrington be investigated for potential mortgage servicing violations, including possible dual tracking, misapplication of funds, and improper foreclosure proceedings. 
XXXX. The VA and/or CFPB intervene to protect my home, ensure my payments are properly credited, and require Carrington to restore my loan protections under the XXXX XXXX XXXX 
XXXX. All foreclosure actions be paused pending resolution and review of this complaint. 

Please let me know if further documentation is needed. I am prepared to submit call recordings, email correspondence, and bank statements to support my claim. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Subject : Dispute of Credit Reporting on Account Authorized User Status Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of a Bank of America credit card account on my credit report. This account is being reported negatively and is impacting my credit standing, yet I am not the owner of this account. I was only listed as an authorized user. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( XXXX ) and FCRA Section 603, credit reporting agencies are only permitted to report accurate information related to a consumers credit obligations. As an authorized user, I had no legal responsibility for repaying this debt. Furthermore, under FCRA Section 611, I am entitled to dispute any information I believe is inaccurate or incomplete. 

The account in question was closed and charged off as of XX/XX/year>, and is now in collections. I have attached documentation from my credit report showing that I was only an authorized user, yet the delinquent status and collections balance are being attributed to my credit file. This is a violation of federal credit reporting guidelines. 

I respectfully request that the CFPB assist in directing the credit reporting agencies and Bank of America to : XXXX. Immediately remove all negative reporting related to this account from my credit file. 
XXXX. Confirm in writing that the information has been deleted and will no longer be reported. 

Attached are screenshots of the account details and payment history clearly indicating my status as an authorized user. 

Thank you for your attention to this matter. I request a prompt resolution in accordance with federal law. Please let me know if any further information is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: OR

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that are incorrect : Us bank In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within XXXX  days of receiving this letter. 

Kindly send an updated copy of my credit report to the provided address. As per the act, there should be no charge for this updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I spoke with Capital One/BJs on XX/XX/XXXX with XXXX XXXX XXXX for the second time ) to get into a payment plan because of my financial hardship. I explained that my bank account had been hacked, and I could not catch up with XXXX years. XXXX other creditors/credit card companies DID offer me a XXXX, no interest, payment plan lowering my payments CONSIDERABLY with NO added interest until paid off. I find it puzzling that THIS company refuses to offer me a reasonable payment plan when several other credit cards companies worked with me to resolve the debts! 

Capital One/BJs ONLY offered me a LARGE payment of {$200.00} per month FOR THREE ( 3 ) months. Not only is that payment completely out of my reach, it doesn't help me in any way to repay this debt. 

As a consumer, I have been diligent in contacting this company and willing to repay the debt. However, they have NOT offered me a reasonable payment program. Hence, I am filing ANOTHER complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : ] - Credit Reporting Agencies : [ Equifax, Experian XXXX TransUnion ] - XXXX Paid in Full : [ CLOSED OR PAID XXXX XXXX ] - ] accounts below was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal lawXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within XXXX  days. - XXXX ( a ) ( XXXX ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - XXXX ( a ) ( XXXX ) Prohibits reporting accounts older than XXXX  years from the date of first delinquency. - XXXX ( b ) Requires credit bureaus to maintain maximum possible accuracy. XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately XXXX. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or XXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple lawful disputes and debt validation requests to Navy Federal Credit Union ( NFCU ) concerning an alleged debt on my XXXX XXXX XXXX  account ending in XXXX, with an outstanding balance of {$4200.00} as of the XX/XX/year> billing statement. 

On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act ( 15 USC 1681s-2 ) to demand full validation of the alleged debt, including a copy of any original signed contract, a breakdown of fees, proof of lawful assignment or authority to collect, and a complete payment history. I also disputed the legitimacy of any charges and instructed NFCU to mark the tradeline as disputed if it continued to be reported.

NFCU responded with vague messages acknowledging receipt but failed to provide any proper validation or contractual evidence. They simply stated that my documentation did not relieve me of the alleged debt, and they reserved their authority to enforce the debt under an unspecified agreement, without producing the actual instrument. 

On XX/XX/year>, I submitted a signed, endorsed payment coupon derived from the XX/XX/year> billing statement, tendered electronically under the Electronic Funds Transfer Act ( 15 USC 1693 ), the E-SIGN Act ( 15 USC 7001 ), and UETA, with attachments and a signed good-faith affirmation. This was presented as a financial instrument in partial or full satisfaction of the alleged obligation pursuant to UCC 3-603 and 3-501.

NFCU summarily rejected this lawful offer, stating that the item was not a valid form of payment or not suitable for deposit but offered no legal basis, sworn affidavit, or statute to support their refusalconstituting commercial dishonor and breach of good faith ( UCC 1-304 ).

I issued a Rebuttal and Demand for Verification letter, which again went unanswered in substance. Their XX/XX/year> response merely forwarded the issue to an unnamed department for review via mail, and to date, no sworn response or verification has been produced. 
This behavior represents a pattern of : Failure to validate debt under FDCPA 15 USC 1692g ( b ) False or misleading representations ( 15 USC 1692e ) Failure to mark tradeline as disputed under FCRA 15 USC 1681s-2 ( a ) ( 3 ) Commercial dishonor by refusal to respond with lawful cause under UCC 3-505 Bad faith under UCC 1-304

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have been trying to access the Credit Karma spend account I signed up for in order to get my XXXX XXXX state and federal refunds. It was advertised that I would have access to my funds quicker by doing it this way. I signed up. I received my debit card XXXX  days ago and have yet been able to access my funds due to my inability to login. There is a two-step process to logging in : XXXX entering in a username and password and XXXX verifying your account with a code that is texted to you. I also have a XXXX pin. I have the correct username and password, the correct pin, and have verified my email approximately XXXX times. Since opening the Credit Karma account, my phone number has changed. There is an option to press a link if you have changed your phone number. After pressing the link, you have the option to enter in your new phone number and receive a XXXX code in order to verify your number. I have completed this step over a dozen times and am left with an error message to contact support. I have contacted support. The first time, I was prompted to complete a XXXX identity screen. In order to complete this step, you need to take a picture of your identification. At the time, I had a paper copy of my XXXX  state driver 's license, which is a valid form of identification in my state. When it didn't work, I was told that it was my responsibility to obtain the required documentation, even though the required documentation was a state issued driver 's license and that is what I provided. Since then, I have obtained my hard copy/plastic license and have gone through the entire process of opening a new complaint/issue and was sent another XXXX verification link. I completed the link successfully. Almost a day later, after sending XXXX emails asking what else needed to be done, I finally received a response from customer service via email stating the following : " Thanks for taking the time to verify your identity. Unfortunately, it looks like there was an issue with your uploads. Would you like me to re-invite you to verify your identity? You will have to resubmit your uploads. '' As I've stated, I received confirmation from XXXX stating it was successful and sent a screenshot of this to Credit Karma. I am mostly concerned that it takes hours to get a response and due to their late response this has remained resolved for approx. XXXX  days. I have been unable to access the money in my account. According to the IRS my refund was deposited on XX/XX/year>. It is now XX/XX/year> and I have yet to access my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am filing a formal complaint against Experian for their blatant and willful violation of the Fair Credit Reporting Act ( FCRA ) by reinserting the XXXX XXXXXXXX XXXX XXXXXXXX account ( Account Number : XXXX ) into my credit report without certification or notification, despite its prior removal due to inaccurate reporting. This account, successfully disputed and deleted via a CFPB complaint ( ID : XXXX, closed XX/XX/XXXX ), was reinserted showing XXXX unjust late payments ( XX/XX/XXXX to XX/XX/XXXX ), which I proved were invalid due to XXXX XXXX XXXX XXXXXXXX failure to send billing statements 21 days prior, violatin

g 15 U.S. Code 1666b. Experians actions defy FCRA Section 611 ( a ) ( 5 ) ( B ), requiring written notice within five business days, a notice I never received. This outrageous reinsertion continues to wreck my credit score, costing me thousands in interest and blocking fair credit access. I demand its immediate and permanent removal, with no further reinsertion, to end this intolerable abuse.

Experians conduct flagrantly breaches FCRA provisions : Section 611 ( a ) ( 1 ) ( A ) : Failed to verify the accounts accuracy before reinsertion.

Section 611 ( a ) ( 5 ) ( B ) : No notification within five days, violating my rights.

Section 1681e ( b ) : Inaccurate reporting persists despite reasonable procedures.

Section 1681i : Reinvestigation is required to delete unverifiable data. 
XXXX XXXXXXXX XXXX XXXXXXXX non-compliance with 15 U.S. Code 1666b and FCRA 1681s-2 further invalidates these late payments. I will pursue legal damages up to {$1000.00} per violation if this isnt rectified now. 

I request : Remove the XXXX XXXXXXXX XXXX XXXXXXXX account ( Account Number : XXXX ) from my credit report permanently. 
Prohibit any future reinsertion without my written consent and full FCRA compliance. 
Provide names and business addresses of individuals at XXXX XXXXXXXX XXXX XXXXXXXX and Experian who verified this reinsertion, per FCRA Section 611 ( a ) ( 5 ) ( B ) ( iii ).

Send an updated credit report confirming removal within 15 days. 

Your immediate action is non-negotiable. I expect resolution by 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 explanation