vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
In XX/XX/year>, I received a phone call from rocket Mortgage about a refinance deal which included XXXX months free of not paying the mortgage of around {$400.00} dollars in closing cost and that the new loan would be XXXX and that I would receive a {$900.00} check so I did accept the offer and waited for the documents to be sent to my attorney to be signed. In XX/XX/year> I received a call that everything looks good and that theyre still processing everything then at the end of XX/XX/year> I was told to update everything with my insurance, but when my insurance received the amount was XXXX instead of XXXX which I was aware of the changes after I talked to my insurance agent when I went to Attorneys office to sign the refinance papers I realize that the agreement had changed to XXXX I was told that I had to pay the amount around XXXX in closing cost. I had no idea that I had to pay this closing amount I did explain to Rocket Mortgage that I had spent the funds on other expenses because of what I was told about not paying Mortgage for XXXX months so I waited for the mortgage company to fix the closing cost and to find out why I wasnt told about the changes that was made they told me they would talked to the underwriter but in XXXX I was told by Rocket Mortgage that I will only get XXXX months free and that I had to pay for XXXX mortgage in order to do the refinance deal and that I had by the end of XXXX to pay XXXX mortgage Which put be in a financial disadvantage it put me into debt of XXXX months behind on my mortgage I felt like I was being put in this situation from the miscommunication and the constant change of financial agreement we verbally had. If this deal was never offered to me. I wouldnt be in the situation.This is my first home and and this would be my first time refinancing. this situation was very stressful and unfair for me and my family, especially to put someone in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX. A dispute was submitted 3 times for XXXX XXXX ( account # XXXX ). Each time disputed, the account was verified by XXXX XXXX as being owed to XXXX XXXX. However, this debt was sold to Radius Global Solutions months ago. Radius Global Solutions ( account # XXXX ), is NOT reporting this debt to the credit bureaus. Because of this inaccurate information, this account must be deleted as reporting inaccurate information is illegal and against the FCRA. PER ( XXXX U.S.C XXXX ) ( XXXX U.S.C XXXX ) and XXXX U.S.C XXXX ( b ).

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a call from American Express ( US ) informing me that, as of next week, they will close my account my XXXX  credit card without providing any explanation. When I asked for a reason, the agent simply replied that it was a business decision. 

This decision comes after more than 12 years with no late payments or any other issues. I own my home outright, my car, and I run a business that operates without any overdue debts. 
I would appreciate a clear and convincing explanation so that I do not feel discriminated against. I also respectfully request a written explanation of the reason for this action and that you review and reconsider the decision to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian Equifax and TransUnion have failed to comply with their legal obligations under the Fair Credit Reporting Act. I obtained my credit report from XXXX and discovered multiple errors in both my personal identifying information and account reporting. 

I submitted formal disputes and supporting documentation requesting full reinvestigation and correction under 15 USC 1681i a. The bureaus failed to conduct a reasonable good faith reinvestigation or provide a valid method of verification as required by 15 USC 1681i a 7. They also failed to follow reasonable procedures to ensure maximum possible accuracy in violation of 15 USC 1681e b.

The following items are inaccurate or unverifiable yet remain on my reports despite prior disputes and supporting documentation : Incorrect personal information including name and former addresses such as XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX. 
Multiple accounts reporting inaccurately including collections from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well as accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX showing false late payments or incorrect status. 

If any portion of these tradelines including balances dates payment history or remarks can not be verified the bureaus are required under 15 USC 1681i a 5 to delete the accounts entirely. To date they have failed to do so.

I have requested a complete consumer file disclosure under 15 USC 1681g which includes all information in my file at the time of my request as well as a list of all inquiries and certifications of third parties that accessed my file. The bureaus have not complied with this request.

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 2025-10-30 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 am filing this complaint because all three credit bureaus Experian Equifax and TransUnion have failed to comply with their legal obligations under the Fair Credit Reporting Act. I obtained my credit report from XXXX and discovered multiple errors in both my personal identifying information and account reporting. 

I submitted formal disputes and supporting documentation requesting full reinvestigation and correction under 15 USC 1681i a. The bureaus failed to conduct a reasonable good faith reinvestigation or provide a valid method of verification as required by 15 USC 1681i a 7. They also failed to follow reasonable procedures to ensure maximum possible accuracy in violation of 15 USC 1681e b.

The following items are inaccurate or unverifiable yet remain on my reports despite prior disputes and supporting documentation : Incorrect personal information including name and former addresses such as XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX. 
Multiple accounts reporting inaccurately including collections from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well as accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX showing false late payments or incorrect status. 

If any portion of these tradelines including balances dates payment history or remarks can not be verified the bureaus are required under 15 USC 1681i a 5 to delete the accounts entirely. To date they have failed to do so.

I have requested a complete consumer file disclosure under 15 USC 1681g which includes all information in my file at the time of my request as well as a list of all inquiries and certifications of third parties that accessed my file. The bureaus have not complied with this request.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint as my 9th follow-up regarding inaccurate and unverified information on my credit report. Despite multiple prior disputes, the following items continue to be reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX This account is inaccurately reported as Late Closed, which is misleading since there is no balance owed. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], the credit bureau is required to delete any information that can not be verified. The persistent error violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates maximum possible accuracy in reportingXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance Owed : {$58000.00} XXXX XXXX This collection account is unverified and remains unlawful. Under FDCPA 809 [ 15 U.S.C. 1692g ], the debt collector must validate the debt. Since no proof of validation has been provided, this reporting violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which grants me the right to block unverifiable or inaccurate information. Its continued reporting after five dispute attempts is a willful violation of federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> These unauthorized inquiries were made without my consent, violating FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ]. These records continue to appear despite multiple disputes, demonstrating noncompliance with FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that all information be accurate and verified. 
This is my final demand for the permanent deletion of the following : XXXX XXXX collection account, and Unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX  ) .If these items are not deleted,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Apple and Goldman Sachs ( Apple Card issuer ) have failed for several years to correct a serious privacy issue on my Apple Card account. The account is tied to an email address that I have never owned or used. Despite multiple written and phone requests, Apple continues to treat that email as mine and sends notices claiming the email on file works. I have repeatedly asked for mail-only correspondence until they fix it, but they have refused to remove or update the unauthorized email. Apple states the update must occur through my Apple ID leaving me no way to secure my account. This means confidential Apple Card informationincluding billing statements and security noticesmay be going to an unknown third party. Apple has not offered escalation, investigation, or a secure remedy. This conduct violates the issuers obligations under Regulation P ( 12 C.F.R. Part 1016 ) to protect nonpublic personal information and Regulation Z ( 12 C.F.R. 1026.12 ( b ) ) to prevent unauthorized use of a credit account. It demonstrates negligence in safeguarding consumer data and unfair communication practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rauch-Milliken International, Inc.
State: SC

Complaint narrative:
I received a debt-collection letter from Rauch-Milliken International , Inc. , dated XX/XX/year>. The letter threatened to subpoena my financial records, locate and seize assets, and add attorney fees, implying that a judgment already exists or is guaranteed. No lawsuit has been filed and no judgment has been entered against me. These statements misrepresent the legal status of the debt and constitute coercive and deceptive collection conduct. The correspondence also creates the false impression that Rauch-Milliken has judicial authority to seize property or accounts without due process. I am requesting that your agency review this companys practices and ensure compliance with federal and South Carolina law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified, they should be deleted.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
As to my question, " Why I haven't received my bonus despite fulfilling the requirement of spending the {$500.00} in required timeframe for the same product Quicksilver Capital one credit card? '' Answer I received while contacting them on call was because it is for selective new customers only. ( It was not mentioned on the advertisement I saw on while applying, nor during the accepting the offer of the card since it was more than 10 pages of pure text which was I thought of other terms and conditions which we usually accepts to proceed ( but they had hidden info somewhere not on the fron page or anywhere else mentioning about I am not eligible ) as I was not made aware that offer they are advertising is for the selective customers only, so I accepted and proceed ) I tried describing them the situation and also created the case for the same, which got declined by the account specialist with generic single sentence in whole document that I rweceived in email : " RE : Account number ending in XXXX XXXX XXXX XXXX, Thank you for contacting us regarding your rewards! 
We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. 
Remember, you still earn 1.5 % cash back for every dollar you spend on purchases! " ... and so on about the card fooling benefits. I contacted them on call on XXXX XXXXXXXX XXXX credit card department, and it was major disappointment, the moment I asked for the further details why was I not qualify despite it was advertised to me and I applied using the same link of the advertised page, they turned XXXX with their words and tone and after 35 min that lady transferred the call to XXXX named account specialist, who was screaming to me saying that you received the card details and its terms and condition, yes or no, if you say yes, that's the end of the call.! I asked, was I made aware before I was accepting the card, if was, I would have not get the card, how could one be find out that person is not eligible after accepting the card? he was very violent and unprofessional talking to customer. I would never do business with capital one which I hold the checking, saving and credit card account, I would never recommend this bank anymore either. It not just cost me the time but my mental peace as well. The way the talk with the guy was traumatizing that at the end, he just hanged the call stating clearly in during the conversation that this won't be undo, whatever you do. I asked what is purpose of such fake advertising then? He did not answered. I expect more than just bonus now for such misbehavior by the bank. ( The most recent call with bank was recorded and should be taken into consideration. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I have repeatedly attempted to dispute the accuracy and validity of this collection account with Absolute Resolution Management through multiple written communications. 

I used the Dispute XXXX XXXX to send dispute letters via XXXX XXXX  in XXXX separate batches : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. These disputes requested validation of the alleged debt, including the original signed contract, chain of assignment, and legal documentation showing that I am responsible for the debt. Despite these repeated attempts, I received no response from the company. 

On XX/XX/year>, I also sent a certified dispute letter directly to Absolute Resolution reiterating my request for validation. As of today, they have still not responded. 

The company continues to report this collection to the credit bureaus without providing any proof that the debt is accurate or collectible. I am disputing this account entirely and request that it be investigated and removed if it can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am submitting this complaint as my 7th follow-up to dispute inaccuracies that continue to appear on my credit report. Specifically, I have discovered that XXXX XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are being reported with late payments from XXXX to XX/XX/year>, including 30, 60, 90, and 120-day delinquencies. These reports are inaccurate and do not reflect my actual payment history.Despite my previous disputes, XXXX XXXX has failed to verify or correct this information, in direct violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these inaccurate late payment entries has caused significant damage to my creditworthiness. 
FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] mandates that a credit bureau conduct a reasonable reinvestigation when a consumer disputes an item on their credit report. The failure to properly investigate and correct these inaccuracies violates this section. 
FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] requires furnishers, such as XXXX XXXX, to correct and update inaccurate or incomplete data. XXXX XXXX has not fulfilled this obligation, continuing to report the erroneous late payments.These late entries, which are unverifiable and misleading, are damaging my credit score and should be removed or corrected immediately. I request that the CFPB investigate this matter and ensure that XXXX XXXX complies with its obligations under the FCRA by deleting or correcting the inaccurate late payment data.

Company response to consumer: Closed with non-monetary relief