vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
I am filing this complaint because I have repeatedly requested access to my personal and credit information from XXXX XXXX, XXXX XXXX Mortgage, and they have not provided the documents or disclosures required by law. 

I applied for a loan around XX/XX/XXXX and uploaded all supporting documents to the companys online portal on XX/XX/XXXX. I emailed the lender on XX/XX/XXXX, XXXX, and XXXX, asking for copies of : The personal and financial information I submitted The credit report or score used to evaluate my application The reason my loan application was not approved or moved forward I received one response but never received the documents I requested. As of today, I have not received any of the required disclosures. 

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), which require lenders to provide consumers access to their own data and protect their information. 

I am requesting that XXXX XXXX provide : Copies of all personal and credit data used in my loan review, The reason my application was denied or not completed, and Confirmation that my information remains protected and not shared improperly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One recently sent out an email with the text below. They have changed the behavior in how early/additional payments are treated for cardholders using the autopay service. Additional/early payments made will result in a reduction in the autopay amount, thereby removing a valuable tool consumers have to reduce interest payments when they can not pay the entire bill in full. They apparently have the mechanisms in place to recognize an early payment is made, but give to option online or on their website to continue to treat early payments as " extra '' under the guise of protecting the consumer from ending up with a negative " overpay '' balance. This makes no sense, technically and seems to be an attempt to extract even more interest from those who are currently paying minimums, set amounts, or even those paying full statement balances who wish to keep their average balances low to decrease reported utilization. If they can detect early payments, and adjust autopay balances to the " set amount '', they can easily adjust a balance to pay to {$0.00} to prevent a negative balance. 

Here is the original text from the email sent out : " Weve made an exciting update to the way our automatic payments work If youre enrolled in AutoPay for minimum payment or statement balance and make a payment before your AutoPay processes, that payment will now reduce the amount of your upcoming automatic payment.

For example : If your minimum payment AutoPay is {$25.00} and you pay {$10.00} before your AutoPay processes, your automatic payment will now be {$15.00} instead of {$25.00}. 

This update gives you even more flexibility and control over paying down your Capital One card. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I am disputing the following charged-off accounts with TransUnion, as I believe there may be discrepancies : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$27000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$260.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$150.00} Additionally, I am disputing the following inquiries : XXXX, Date : XXXX XXXX XXXX, Date : XXXXXXXX XXXX XXXX Date : XXXX Finally, I am disputing the late payment on my TransUnion report : XXXX XXXX XXXX, Account Number : 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 2025-11-05 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
CFPB Filing Statement I am filing this complaint to dispute several items reported on my credit report. Below are the specific details of the accounts in question, separated by each credit bureau. 

Experian ( EX ) Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : 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 2025-11-05 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: AR

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute regarding certain accounts on my credit report to all three major credit bureaus ( Equifax  and TransUnion ). As of today, I have not received any verification, response, or results of an investigation from any of the bureaus. Since no verification has been provided within the required timeframe, I am formally requesting that these disputed accounts be deleted from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am submitting this formal complaint because my personal identifying information has been compromised in multiple verified data breaches reported through official notices and public records. As a result, I am requesting that all credit bureaus Experian, Equifax, and TransUnion remove or block all accounts, inquiries, and negative information linked to my compromised data. 
I have already submitted a sworn and notarized identity theft affidavit as allowed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires the credit reporting agencies to block and delete disputed information resulting from identity theft or unauthorized use within four ( 4 ) business days of receiving proper documentation.

Despite submitting the affidavit and supporting evidence, the credit bureaus have failed to act within the statutory timeframe and continue to report accounts that are directly connected to the breaches of my personal information. This includes accounts that I did not authorize or that were opened using stolen credentials.

Applicable Consumer Protection Laws 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bureaus to block information resulting from identity theft within four ( 4 ) business days after receipt of : * Proof of identity, * A copy of an identity theft report or affidavit, and * A statement identifying the disputed information.

2. FCRA 611 ( 15 U.S.C. 1681i ) Mandates that consumer reporting agencies reinvestigate disputed information and remove unverifiable or inaccurate data within 30 days.

3. FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits data furnishers from reporting information they know or have reason to believe is inaccurate, especially after being notified of a dispute.

4. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by any entity under CFPB jurisdiction.Failing to block fraudulent data after receiving valid proof constitutes an unfair and deceptive practice.

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 2025-11-05 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:
I am submitting this formal complaint because my personal identifying information has been compromised in multiple verified data breaches reported through official notices and public records. As a result, I am requesting that all credit bureaus Experian, Equifax, and TransUnion remove or block all accounts, inquiries, and negative information linked to my compromised data. 
I have already submitted a sworn and notarized identity theft affidavit as allowed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires the credit reporting agencies to block and delete disputed information resulting from identity theft or unauthorized use within four ( 4 ) business days of receiving proper documentation.

Despite submitting the affidavit and supporting evidence, the credit bureaus have failed to act within the statutory timeframe and continue to report accounts that are directly connected to the breaches of my personal information. This includes accounts that I did not authorize or that were opened using stolen credentials.

Applicable Consumer Protection Laws 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bureaus to block information resulting from identity theft within four ( 4 ) business days after receipt of : * Proof of identity, * A copy of an identity theft report or affidavit, and * A statement identifying the disputed information.

2. FCRA 611 ( 15 U.S.C. 1681i ) Mandates that consumer reporting agencies reinvestigate disputed information and remove unverifiable or inaccurate data within 30 days.

3. FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits data furnishers from reporting information they know or have reason to believe is inaccurate, especially after being notified of a dispute.

4. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by any entity under CFPB jurisdiction.Failing to block fraudulent data after receiving valid proof constitutes an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Inquiries : DEPT OF ED, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX Positive Accounts : None listed for Equifax. 

Late Payments : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: HI

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-11-05 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: FL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-05 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-05 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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