vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Several unauthorized hard inquiries have appeared on my credit report without my knowledge or consent. These inquiries were not initiated by me, nor did I provide any written or electronic authorization for them. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), there must be a permissible purpose for any hard inquiry, none of which exists in these cases. 

Inquiries I am disputing include : 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  I contacted Experian and demanded a full investigation and validation of each of these inquiries. I asked them to provide : The name, address, and phone number of each entity that placed the inquiry Any documentation proving I initiated or authorized these inquiries Copies of signed applications or consent forms, if any exist I specifically cited my rights under FCRA 604, 611 ( a ) ( 5 ) ( A ), and 611 ( a ) ( 6 ) ( B ) ( iii ) in my formal dispute letter. I made it clear that failure to remove unverifiable or unauthorized inquiries would result in complaints to regulators and possible legal action under FCRA 616 and 617. 

To date, no adequate explanation or proof of authorization has been provided. These inquiries have negatively impacted my credit profile and were made without a valid or legal reason. I am requesting immediate CFPB involvement to ensure these unauthorized inquiries are investigated, validated, or deleted, and that Experian and the involved creditors are held accountable for their noncompliance with federal law.

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 2025-05-14 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am filing this complaint regarding a {$25.00} late fee assessed on my Capital One credit card account, which I believe is unfair and the result of misinformation provided by Capital One representatives. 

On XX/XX/year>, I noticed that my XXXX payment had not gone through, which caused my account to be XXXX day past due. I immediately contacted Capital One customer service to resolve the issue. I spoke with a representative named XXXX ( ID # XXXX ), who informed me after consulting with her supervisor that as long as I made a payment of {$30.00}, I would avoid the late fee. 

Trusting this guidance, I made the payment as instructed. 

However, when I checked my account the following day, I saw that the {$25.00} late fee had still been charged. I called back and spoke with a supervisor named XXXX ( ID # XXXX ), who informed me that I would not be receiving a refund. I explained that I was told directly by a representative, with supervisor confirmation, that I would not be charged the fee if I made the payment which I did in good faith. 

I am extremely upset and feel that I have been misled by Capital Ones customer service. I acted immediately and responsibly, based on the information I was given by their own employees. Despite this, I am being penalized due to their internal miscommunication. I also feel emotionally distressed, as it appears Capital One is disregarding accountability and fairness while I remain burdened by an unfair fee. 

I am requesting the CFPBs assistance in having this {$25.00} fee removed and to ensure Capital One is held accountable for the misinformation and lack of resolution despite my prompt, good-faith actions. 

Thank you for your time and support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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 2025-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suspected RESPA Violations, Escrow Mismanagement, and Inconsistent Settlement Disclosures Loan # XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX File Number : XXXX Recorded XXXX XXXX XXXX XXXX File # XXXX or XXXX XXXX XXXX XXXX recorded XX/XX/XXXXXXXX XXXX XXXXXXXX - sent back to XXXX XXXX XXXX an employee of First American Title XXXXXXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX / email XXXX XXXXfirstam.XXXX  I am filing this formal complaint against XXXX XXXXXXXX XXXX and related settlement service providers for multiple violations related to the mortgage and settlement process for the property I purchased at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. The mortgage loan number is XXXX. 

The key issues include : Multiple Settlement Disclosures and Inconsistent Closing Information I received two different sets of closing emails from XXXX different title/settlement companies ( XXXX XXXX and First American Title ), on different dates in XX/XX/XXXX. The documents were inconsistent, which raises concerns over the accuracy and transparency of the settlement process. 

Potential Violation of RESPA ( 12 U.S.C. 2607 ) Under the Real Estate Settlement Procedures Act, consumers are entitled to clear, accurate, and non-deceptive disclosure of all costs and disbursements at closing. The presence of conflicting disclosures and parties handling funds without clear explanation may indicate violations of : Section 8 ( a ) Prohibition of kickbacks and unearned fees Section 4 Inaccurate HUD-1 or closing disclosures Section 6 ( g ) Servicer duty to provide clear escrow records Escrow Mismanagement and Lack of Clarity in Disbursements The final settlement statement raises concerns about the unauthorized or unexplained disbursement of funds to XXXX XXXX, without my clear consent or acknowledgment. I have not received a detailed breakdown justifying the amounts paid or the parties involved.

Possible TILA Violations ( Truth in Lending Act, 15 U.S.C. 1601 et seq. ) The discrepancies in disclosures may also violate TILAs requirements for accurate, timely, and complete presentation of loan terms, closing costs, and settlement fees, particularly if those figures influenced my decision-making. 

Breach of Fiduciary Duty / Fraud Concerns If any party disbursed or accepted funds under false pretenses, or without proper authorization, this could constitute escrow fraud or breach of fiduciary duty. I have requested clarification and accounting in writing but have not received a response. 

Florida Housing Program Misrepresentation XXXX XXXX XXXX XXXX ) The XXXX XXXX form was included and signed via DocuSign for the correct property address. Any misuse or misrepresentation of this benefit program may also warrant regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I been trying to get this incorrect information off my credit report for over a year. At this point I need the items removed. 

All student loans on my profile have the wrong balance. 
XXXX XXXX {$6900.00}, {$6800.00}, {$4400.00}, {$4300.00}, {$3700.00}, {$3700.00}, {$3200.00}, {$3200.00}, {$1500.00} Its a XXXX XXXX card that don't belong to me on my profile as well with a balance of {$400.00} opened XXXX, XXXX XXXX I would like 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I been trying to get this incorrect information off my credit report for over a year. At this point I need the items removed. 

All student loans on my profile have the wrong balance. 
XXXX XXXX {$6900.00}, {$6800.00}, {$4400.00}, {$4300.00}, {$3700.00}, {$3700.00}, {$3200.00}, {$3200.00}, {$1500.00} Its a XXXX XXXX card that don't belong to me on my profile as well with a balance of {$400.00} opened XXXX, XXXX XXXX I would like 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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I called ( on two separate occasions ) and said I became unemployed in XXXX and my wife just had hours reduced. 3 different parties in 2 calls said the only option I have is to default on 2 mortgage payments ( which will affect my credit ) after which point I can apply for a hardship and their investors and underwriters would determine if I qualify based on my income/expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm reaching out because there is an account showing up on my credit report that simply does not belong to me. This account appears to be mixed in with my personal credit information, and its tied to someone else entirely. I want to be absolutely clear : this is not my account, and I have no connection to it. 

This kind of error is unacceptable, and I need it corrected immediately. The presence of someone elses account on my report is damaging and inaccurate, and its causing real issues on my end.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) falsely reported a XXXX late payment on my auto loan account ( Account # : XXXX ) to the credit bureaus. This derogatory mark is inaccurate and damaging to my credit. 

The facts : In XX/XX/XXXX, XXXX granted me a formally executed forbearance agreement, deferring my XXXX payment by one month. 

As a result of that agreement, no payment was due in XX/XX/XXXX. 

I spoke directly with XXXX on XX/XX/XXXX, and their billing representative XXXX ( ID # XXXX ) confirmed my detailed payment history, including : Missed payment in XX/XX/XXXX. 

Consistent payments made from XX/XX/XXXX through XX/XX/XXXX. 

Account fully current as of XX/XX/XXXX. 

XXXX payment deferred by XXXX, not missed. 

No payment due in XX/XX/XXXX per the deferral. 

Despite this, XXXX reported a XXXX delinquency for XX/XX/XXXX, even though I had no contractual obligation to make a payment during that month. 

Additionally : XXXX issued XXXX different forbearance agreements for the same deferral period, each with different terms, dates, and finance charges. This inconsistency caused confusion and XXXX have contributed to their servicing error. 

Their customer portal confirms my next due date was XX/XX/XXXX, which further proves that XXXX should not have been marked delinquent. 

I filed a dispute with XXXX and requested validation of the alleged delinquency. I also formally notified them that the XXXX reporting was inaccurate and required correction under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has ignored providing me with proof or evidence, only justification papers not really showing proof of my transaction that they are claiming are 30 day late. 
Transunion XXXX XXXX is designed to keep consumers paying these big finiancial instutution getting paid more on interest then experian who uses different calculation that a fair compared with Transunion or Equifax, now equifax is using the same system of vanguard XXXX to charge consumers more interest and they make more money.

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 2025-05-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
Action taken by XXXX XXXX Comerica Bank. My account was placed on hold, in XX/XX/year>. I XXXX XXXX would like you to check my information for the following, amount on hold. I need to update my telephone number also with XXXX XXXX Comerica Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I had a credit card account with XXXX XXXX that became XXXX during a period of financial hardship related to XXXX XXXX XXXX XXXX  struggles. I have since resolved the balance in full, but the account continues to report as a charge-off and is harming my credit. 

This tradeline no longer reflects any unpaid or outstanding obligation, yet it continues to report as derogatory. I am requesting its deletion under the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 and 611, due to its outdated nature and disproportionate negative impact. 

I have not been able to resolve this directly and am seeking CFPB assistance to ensure the account is either removed or updated appropriately to reflect its resolved status.

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 2025-05-14 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: DE

Complaint narrative:
I had a credit card account with XXXX XXXX that became delinquent during a period of financial hardship related to medical and mental health struggles. I have since resolved the balance in full, but the account continues to report as a charge-off and is harming my credit. 

This tradeline no longer reflects any unpaid or outstanding obligation, yet it continues to report as derogatory. I am requesting its deletion under the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 and 611, due to its outdated nature and disproportionate negative impact. 

I have not been able to resolve this directly and am seeking CFPB assistance to ensure the account is either removed or updated appropriately to reflect its resolved status.

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 2025-05-14 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: SC

Complaint narrative:
I have reviewed my credit profile to see there at XXXX accounts with the same company XXXX that is fradulent and not mine totalling {$900.00} please remove immediately!!

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 2025-05-14 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have reviewed my credit profile to see there at XXXX accounts with the same company Affirm that is fradulent and not mine totalling {$900.00} please remove immediately!!

Company response to consumer: Closed with explanation