vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a disabled veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have always ensured that proper insurance coverage has been maintained on the property. The insurance premiums have consistently been paid from the escrow account held with the loan servicer. Both my insurance agent and I have routinely provided proof of coverageeither by uploading it directly to the loan servicer 's portal or by emailing it as instructed. 

Despite our diligence, I continue to receive notices stating that the lender was forced to place insurance coverage on the property, resulting in a significant and unwarranted cost. Ive spent countless hours speaking with various representatives, many of whom appeared poorly trained and unable to resolve the issue. Each time, Ive been assured the matter would be correctedyet the problem persists. 

Most recently, I was notified that the lender-paid insurance has led to an increase in my monthly mortgage payment from {$5900.00} to $ XXXX outrageous increase of {$2100.00} per month. This situation is both financially and emotionally burdensome. It is unacceptable that a company of this size continues to allow these types of errors, causing undue stress and wasted time for its customers. 

The company must take responsibility, correct this issue immediately, and implement better internal systems to prevent this from happening to others.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I'm writing to dispute a fraudulent credit inquiry that has been reported under my name and appears on my credit report. This inquiry was the result of unauthorized use of my identity, and I had absolutely no involvement in requesting or authorizing it. Let me be clear : I did not authorize this inquiry, nor did I initiate any application or transaction with this company. This is identity theft, and I refuse to let it impact my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax regarding my credit score, which was previously showing on my credit report but is no longer being reported. Last month, my credit score was visible, but it is now completely absent from my report without any explanation. 

This situation is negatively impacting my ability to obtain credit, and I am requesting that Equifax immediately lift the block on my account and update my credit score accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IN

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 2025-05-06 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: IN

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 non-monetary relief
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: American Credit Acceptance, LLC
State: MI

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I have recently reviewed my credit file and noticed multiple inquiries that I do not recognize or recall authorizing. 

I did not initiate any applications for credit with these entities, nor did I give permission for them to access my credit report. According to the Fair Credit Reporting Act ( FCRA ), a hard inquiry should only appear on a credit report if I applied for credit and gave consent for the inquiry. I respectfully request that these inquiries be investigated and removed from my credit report if they are found to be unauthorized. I have listed the inquiries in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 2025-05-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have opened Capital one 360 Bank account to deposit a loan I was approved from XXXX XXXX and capital one verified my identity and approved my application and XXXX setup the direct deposit to this account and the money arrives in my capital one bank next day. they have restricted the account right away for no reason and asking to call to verify activity which i called few times and follow their instruction which was submitting my id, providing information about the deposit and apparently they didnt accept the information and telling me the restriction will remain on the account. I requested them that if they dont want my business thats fine and they can close the account and send my funds to the linked bank account but they even refused that. this is straight forward an scam. they dont wan na remove the restriction on the account, thats fine, but they cant steal my money that I needed urgently and thats why i applied for a loan and deposited to this account and now my money is being held by capital one for no reason and cutting my access to the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX sent my personal information to a collection agency to collect on a debt I did not owe. I moved out on XX/XX/XXXX and my remaining utilities bill was debited from my security deposit. I received my full security deposit minus the utilities fees. Around XX/XX/XXXX I received a phone call from IQ DATA XXXX XXXX XXXX representing XXXX XXXX XXXX. The company stated that I owed a utility fee after moving out. I informed them of the mistake and told them I paid all bills and fees in full. They called me a liar. I contacted XXXX XXXX and they apologized for the inconvenience and stated that they would stop collection calls and closed the collection account. I have proof that the fees were paid and proof of communication between XXXX XXXX XXXX. This collection was reported to my credit and my credit score was impacted. The collection company violated The Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
Experian is currently reporting a charge-off account from XXXX XXXX XXXX XXXXXXXX XX/XX/2024, with a balance of {$0.00}. This entry is factually contradictory and procedurally misleading. A charge-off is supposed to reflect a serious delinquency where the lender has determined the debt is uncollectible. However, in this case, Experian is listing the account as charged off while simultaneously reporting a {$0.00} balance, which logically suggests the debt was either never valid, paid in full, or resolved in some other manner that nullifies the charge-off status. Reporting a charge-off with no outstanding balance is not only deceptive but also in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information on consumer files. This is not a harmless technicalitysuch misreporting materially damages my credit standing and distorts my creditworthiness to potential lenders, insurers, and employers. 

Furthermore, I am deeply concerned that the presence of this false charge-off may be the result of poor data management or, more alarmingly, a byproduct of compromised personal information due to a data breach. Given the volume of breaches impacting financial institutions in recent years, there is every reason to believe that this account may have been inaccurately matched or inappropriately reported without any proper consumer verification. Experian has a legal and ethical obligation to ensure that every entry on a consumer 's file is not just passively accepted from furnishers but is actively vetted for accuracy, internal consistency, and legal compliance. That standard was clearly not met here.

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 2025-05-06 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:
In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
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 rights.

EQUIFAX 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 has violated my rights. 

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 XX/XX/XXXX has violated my rights. 

I looked at my XXXX Equifax XXXXXXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-05-06 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My husband and I walked into XXXX XXXX XXXX XXXX. We picked out a couch that was XXXX. We decided we would like to finance the couch. We got with a representative who then said that they would have to do an application for the financing. We went through the process and I explained to him that the creditor will have to call to verify me because my credit profile is locked for specific reasons. He then said they would call me within 15 minutes. Nobody called me that day. I called the company XXXX XXXX to check on my application because nobody called me to verify anything like they should because my account is locked. I also noticed the salesman ran my credit for a {$4000.00} loan when the couch was on {$670.00}. The ethics are completely off. Nobody called to verify me, so the inquiry should not be showing on my credit 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 2025-05-06 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'm writing to dispute a fraudulent account that has been reported under my name and appears on my credit report. This account is the result of unauthorized use of my identity, and I had absolutely no involvement in opening or using it. Let me be clear : I did not authorize this account, and I had no knowledge of it until reviewing my credit file. This is identity theft, plain and simple, and I will not be held responsible for someone else 's actions.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
m requesting a one-time goodwill adjustment for a 30-day late payment reported by Citi in XX/XX/scrub>XXXX XXXX XXXX 

Ive been a Citi customer for over 11 years with a strong history of paying in full and on time across personal and business accounts. In this case, I had set up autopay to pay my full balance each month. However, I later realized that only the minimum was being paid, causing a balance to build up gradually. 

When I noticed the issue, I paused autopay while disputing over {$900.00} in interest charges with Citi. Unfortunately, during this period, a payment was missed, resulting in a 30-day delinquency. I paid the full balance shortly after. 

This is my only late payment in over a decade with Citi. I respectfully ask that it be removed as a one-time goodwill adjustment in light of the circumstances and my positive customer history. 

Thank you for your time and consideration.

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 2025-05-06 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: FL

Complaint narrative:
This complaint is not submitted in error. My credit report contains multiple inaccuracies and unverifiable information that are clearly impacting me negatively. I am extremely concerned and stressed by the consequences this is having on my financial well-being, and I demand immediate attention to investigate and correct these errors.

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