vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I received a letter in the mail from you recently specifying that I owe your company or whoever your company represents for an alleged debt.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I discovered because of a charge that bounced that my account balance was less than it should have been and through the app I figured out it was a suspicious charge equal to a refund I had received recently from XXXX. Though my phone calls getting hung up on several times I learned it was the bank taking money out of my account without permission equal to half my monthly income. Their excuse was that they have the right because I owe them for a credit card that was sent to collections and despite the funds being XXXX XXXX income they used the loophole that it was " from XXXX not from ssi '' despite the fact that the XXXX refund was a refund of my ssi the only income that comes into that bank account. The only option in the end that I was given was to get half of it back in exchange for agreeing to a payment plan I had no say in I feel like I was extorted and stolen from, and this came from a manager at the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have been battling with omg since XXXX charging me XXXX percent interest on a XXXX loan I have paid and paid For XXXX years I made my payment then they repossessed my vehicle that cost XXXX then they have repossessed it again and are charging me almost XXXX dollars to get it back now Im not a math teacher but something is not right here and that doesnt include all the other XXXX of XXXX  I mean XXXX they have charged over the first XXXX years the payments were XXXX a month I think in that area But I would say that that percent rate is a bit over the cap in this state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Roundpoint Mortgage won't cancel my PMI. They have an onerous process and have moved the requirements several times now. 

In XX/XX/XXXX, I requested to cancel PMI based on my loan amount being XXXX % of the appraisal price of home. They rejected my request saying it had to be XXXX % of the ( lower ) original sale price. I came back in XX/XX/XXXX having achieved that new number and again requested cancellation. Despite what their printed cancellation form said ( XXXX % ), they said the loan amount now had to be below XXXX %. I then requested cancellation in XX/XX/XXXX when I achieved XXXX % of the sale price. They just keep charging me PMI. I called in XX/XX/XXXX and they just aren't aware of the latest request and want me to go through this annoying process a fourth time. They're customer service won't escalate matters and just basically blocks you. 

Mind you, the loan is now only 65 % of the current market value via instant sale on zillow, realtor or redfin ), so the hurdles are really offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXXXX/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
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank closed this account XX/XX/year>. 

There are funds remaining {$770.00}. 

Key bank will not disburse these funds to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
My information was found on many Data breaches Incorrect account information is reporting on consumer reports. THIS APPEARS TO BE A NEWLY OPENED ACCOUNT i am requesting that this account be removed it does not belong to me.. 

This account is fraudulent does not belong to me........ 


Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed - Activity Designator - Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$610.00} Credit Limit {$750.00} High Credit {$610.00} Available Credit {$130.00} Account Dates Date Opened XX/XX/year>2025 Date Reported XXXX XXXX, 2025 Date of Last Activity XXXX 2025 Date of First Delinquency - Comments and Contact For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal dispute against Experian regarding the account XXXX XXXX - XXXX, which was previously deleted from my credit file as evidenced in the XX/XX/year> credit report supplied. However, in the report which was pulled XX/XX/year>, the same account was reinserted with derogatory remarks, significantly damaging my credit profile and FICO score. This action was taken without providing me the legally required notice within five ( 5 ) business days of reinsertion, a direct violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MO

Complaint narrative:
I requested proper verification and method of validation for the information being reported by this company on my credit profile. The Metro 2 data fields appear inconsistent or incomplete. I submitted multiple written disputes and have yet to receive any verifiable documentation proving the accuracy of the reported information. This failure to investigate and respond in a timely, lawful manner is non-compliant with FCRA and Metro 2 standards. I am requesting immediate removal or correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: MA

Complaint narrative:
My wife & I, who are longtime Discover card & XXXX XXXX savings account holders, decided to apply for a cost-free XXXX XXXX XXXX. I'd contacted XXXX a couple of times with questions. Finally, on XX/XX/year>2025, I called & began providing information to begin the application process. When asked for applicant info, I repeated & carefully spelled my street address XXXX XXXX XXXX XXXX in XXXX, XXXX, as " XXXX, XXXX, XXXX XXXX, that's XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ( as in XXXX XXXX XXXX XXXX. I also repronounced & spelled out XXXX. It was my understanding that I would need to provide various pieces of financial info, but I never expected a packet with the preliminary application info to be mailed to me at -- as it turns out -- an incorrect address down the street. I was horrified to see my SS # & my wife 's included in the mailing, which went to a neighbor 's house at XXXX XXXX XXXX. I know the neighbor & he brought the packet, which he'd opened by mistake, to us the next day. I immediately called XXXX to complain about the errant & sloppy work, but I've since received a second mailing at the wrong address, either hand-delivered by the neighbor or by the postal carrier, who may know me. I fault D because there is no responsible confirmation process for mailing the packet & because of the cavalier way the reps responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I received a notice that I was being sued for failure to pay. When I called them, I asked for an itemized payment history and a signed contract showing my obligation. They sent me a copy of an agreement, but not a contract showing my signature and a bill showing only accumulated interest applied to the balance.

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 2025-05-20 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: KY

Complaint narrative:
I asked for them remove inaccurate information from my report. If it doesnt have my Birth name on my report I want to be removed as well as old address and phone numbers and account numbers

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 2025-05-20 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 writing to inform you that my Social Security number was compromised as a result of a data breach. As a consequence, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, and a copy is enclosed for your reference.

I am aware that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that the correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly affirms every consumers right to obtain assistance in exercising their legal rights. The involvement of authorized third-party support does not constitute a lawful basis for denying or delaying a valid dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to promptly investigate and correct the disputed information, as required by the FCRA, will be regarded as a willful violation of my rights under federal law. 

I respectfully request that you address this matter without delay and in full compliance with all applicable legal obligations.

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 2025-05-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several companies accessed my credit report without my consent, negatively impacting my credit score. I contacted XXXX, and a representative assured me these inquiries would be removed, yet they still appear. These unauthorized entries are deeply concerning, raising fears of identity theft and causing ongoing stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within XXXX  days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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