vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: MA

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
At approximately XXXX I made a reservation with XXXX for a 4 day trip to XXXX XXXX for {$370.00}. ( XXXX XXXX ) I attempted to cancel this reservation the next day at XX/XX/XXXX at approximately XXXX and was told that this reservation was not refundable after XXXX hours. I asked the host to cancel the reservation because it was still XXXX days prior to the reservation start date and she refused. I additionally could not get help or contact a customer support representative from XXXX. 

I then initiated a dispute with Capital One Bank N.A. On the XXXX and they debited my credit card account pending the dispute resolution. On XX/XX/XXXX I received notice that the dispute was resolved in favor of XXXX for a reservation that I did not stay at. I have made reservations with XXXX multiple times over the past XXXX years even internationally and have never had a similar experience. I believe the non refundable nature of this reservation is solely due to the national region and that this disclaimer should be made more evident prior to booking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I had received an email through Zelle on XX/XX/year> about an fraud on my account. I was directed to call Zelle @ XXXX. I was then contacted by a man pretending to work for Zelle, XXXX XXXX from phone number XXXX. XXXX had told me that to much money had been charged against my account in the amount of XXXX. He then told me that he would take care of this matter. Then again, I get a phone call from XXXX XXXX saying that he had accidently deposit to much money into my account. I believed that this man was working for Zelle so I then followed his directions. This man gave me a routing number that I deposit money back to him, thinking that I was returning his money. I then noticed that XXXX was taken out of my XXXX XXXX XXXX without permission. Then another XXXX from my XXXX XXXX account without my permission. A total of XXXX is gone from my savings account. I have all of this reported. Can you please give me a call @ XXXX if no answer please leave a message

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Subject : Request for Reopening Case and Fair Resolution Loan # XXXX Dear [ CFPB Representative / Rushmore Servicing Representative ], I am writing to formally request that my case regarding Rushmore Servicing be reopened for further investigation and resolution. 

Although I received a response letter from Rushmore Servicing, their explanations included unlawful and inaccurate justifications regarding escrow shortages, account management, and denial of my escrow removal request. I submitted a detailed response letter to contest these findings and requested a fair and lawful escrow re-evaluation. 

However, I was informed that the case has now been closed without any meaningful resolution or review of my rebuttal. This is unacceptable, as my concerns remain unresolved, and I believe my rights as a borrower have been violated. 

Therefore, I respectfully request : A re-opening of this case with full consideration of the response letter I submitted ; A proper audit of my escrow account and an explanation based on accurate, lawful practices ; Fair consideration for escrow removal upon review of the corrected account history and policy. 

Please advise on the next steps I should take to ensure this issue is fully addressed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Loan # XXXX CFPB Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
i have been victim of identity theft and i have been disputing this account for almost a year now and still have yet to have it removed while including a id theft 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 2025-05-21 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: AL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 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 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

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 2025-05-21 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: FL

Complaint narrative:
I recently reviewed my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-21 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: Upstart Holdings, Inc.
State: LA

Complaint narrative:
I am writing to formally request the removal of a closed account listed on my credit report that I believe is being reported without a permissible purpose under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 

According to the FCRA, consumer information may only be provided to entities with a legally defined permissible purpose. I have reviewed my credit report and found that the closed account with the following details does not meet this standard : XXXXXXXX XXXX XXXX XXXX ) Account Number XXXX XXXX Reported Balance CHARGE_OFF Available Credit {$1000.00} - {$300.00} XXXX, XXXX XXXX XXXX XXXX ( CLOSED ) Account XXXX XXXX Reported Balance CHARGE_OFF Available Credit {$3200.00} - {$770.00} XXXX XXXX ( XXXX ) Account Number XXXXXXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00} CHARGE_OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: MI

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I'm filing this complaint to TRANSUNION because Ive discovered inaccurate and unfairly reported late payments and charge-off account including the unauthorized inquiries on my credit reports that are causing serious harm to my financial life. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, verifiable, and complete. 
Ive disputed these accounts with the credit bureaus, and they either verified them without proper investigation or flat-out ignored the key facts. Ive asked for method of verification per Section 611, and Ive received no legitimate proof that these furnishers are in compliance with Metro 2 standards or federal law. These items are not only misleadingtheyre unlawful to report in their current state. Im requesting the CFPB immediately investigate the furnishers and TRANSUNION, as well as take enforcement action where necessary. I also demand the immediate removal of these late payments and deletion of charge-off account including the deletions of the all the unauthorized inquiries, which are unverifiable and damaging. I'm not asking for a handoutI 'm asking for a fair shake, and for the law to be followed. I work hard and take care of my responsibilities, but this agency and creditors need to be held accountable when they break the rules. Thank you for standing up for consumers like me.

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 2025-05-21 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I made a dispute for missed payment to take it off from my credit report because it is no missed payments I paid off all off them but the credit report still shows that I have a missed payment still

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a dispute for missed payment to take it off from my credit report because it is no missed payments I paid off all off them but the credit report still shows that I have a missed payment still

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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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:
Experian Credit Bureau and Equifax Credit Bureau are reporting a medical bill collection on my report and they are refusing to remove it. Since XX/XX/year> it is now illegal for credit reports to have past XXXX XXXX on any credit reports! I've disputed it a few times with both companies and they will not remove it. 

The collections didn't show up on my reports until XXXXXXXX XXXX XXXX  after it was made illegal for them to report medical claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Balance paid in full in XXXX then limit was immediately decreased from XXXX to XXXX. When I questioned them about it they claimed they sent a letter I never received. On the phone they claim the " periodically '' and " continously '' check and change people 's limits and " always '' send a letter

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I have requested an update on my account that they are reporting it was close and written off at {$24000.00} but pass due for {$13000.00}. Looking at my account with Santander Comsumer USA back in XX/XX/year> to XX/XX/year> the account was close but for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX No Data but in XXXX XXXX  reopen to be reported late and past due. It's reporting on all three credit bureaus and they all are inaccurate. It's hurting my credit and would like for it to be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion refuses to remove items even though I have IRS documents that state the original company has written off the debt by law you can not continue to report information on the report thats been written off. TransUnion is the only report that is still reporting information for charged off accounts. They continue to say they have verified the debt but not that accounts have been charged off. I have attached documents to support and still TransUnion is the only still reporting. This is beginning to become a reoccurring issue and I am going to get a lawyer and sue them. I am XXXX of the victims that my information was leaked by TransUnion along with fraudulent information including that I have another SSN which is fraud. I want the charged off accounts to be removed due to accounts already been charge off as a debt by the original creditor per the 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I had shown interest in the vehicle that I had purchased for months. It being used, and the asking price much higher than the XXXX price I waited for the price to come down. 
It did indeed come down to XXXX XXXX. At that point I had saved XXXX XXXX to put down. The dealerships ran me through hoops also wanting a co-signer and a trade in. I was told with the dealership add-ons that I did not understand, the final price I'd be financing would be about XXXX XXXX. Through this.process it was also brought to my attention that my XXXX report showed NOTHING but a " ding from a shopping cart '' on my back bumper. All said and done, my car only worth XXXX XXXX dollars at purchase time is now costing me XXXX XXXX, in which im XXXX XXXX dollars into. And that " ding '' turns out something much bigger happened to the car that I was not in any way informed about, where my drivers side door does not line up when closed. I was absolutely pressured by being told there was a line of people behind me ready to purchase this car if I did not go through with the deal, in which as I have already stated I had been very interested in the car for months. I was very much taken advantage of and scammed to make a VERY overly priced vehicle that shouldve been paid off long ago. I was also under the impression the interest of the car was added in the over all price I was signing for, that not being the case at all. Interest was added yes, but on top of that I am still paying at a 20 % interest rate. As well as when I purchased the vehicle I had to return it for a new battery as the car did not function once I brought it home without one, and since now neither of my key fabs work even after bringing them into the dealership and having the batteries replaced. This is a XXXX XXXX XXXX car, previously owned by a worker that was employed at the time of purchase, I have absolutely been scammed and will go to all lengths of the law to prove it, and act appropriately against the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On all of the XXXX credit reporting agencies ( Experian, TransUnion, and Equifax ) and their subsidaries, there is different information about a Bankruptcy. This information is wrong and and they indicated that it was verified with the XXXX XXXX XXXX XXXX When I spoke in person with the XXXX XXXX XXXX XXXXXXXX, the information shared stated of no information is given to a third party at anytime. Additionally, this bankruptcy information is not consistent with the credit agencies ; one XXXX have information listed where the others do not.

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