vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I have a personal loan from XXXX XXXX XXXX XXXX. My payments are auto-deducted from my bank account every month on the XXXX. Each month on the XXXX I also receive an email from XXXX confirming that the payment was received. 

On XX/XX/year> I received an email from XXXX saying that my payment was received. Several days later, I was informed via email that the payment was actually not received. I did not see this email because it went into my spam along with many of XXXXXXXX XXXX other emails. 

At the time, I was in the middle of a divorce and dividing my joint accounts, etc. were being separated. So, there was an error in the processing of my XXXX payment. 

When I learned that the payment did not actually go through, I immediately contacted XXXX and attempted to make the payment again. There continued to be issues with my bank account, and the payment finally went through in full on XX/XX/year>. I was assured by XXXX that the payment was not 30 days late and no report would be filed with the credit bureaus. 

However, only a few weeks later in early in XX/XX/year>, my credit report was hit with a XXXX point drop because XXXX submitted a late payment notice to the 3 credit bureaus. 

I immediately contacted XXXX to ask what happened. I spoke to several supervisors, XXXX and XXXX, who said it was some sort of internal error and they would make sure that the late payment was removed from my credit report because it was in fact not late. They assured me that it would be removed within 30-90 days. Obviously, this was very difficult for me, because during this time, my credit was negatively affected. 

By the next month, XX/XX/year>, the late payment was removed from the three credit bureaus and my good credit score was restored. 

However, in early XX/XX/year>, the ( incorrect ) late payment from XXXX was once again reported to the credit bureaus by XXXX, causing my credit score to plummet again XXXX points. 

I contacted XXXX again, but I have been unable to resolve the problem. XXXX claims that they do not know how or why the late payment is on my credit report. They do not have a record of it being filed and they are not sure what the issue is. Obviously, this is completely intolerable. 

I have spoken with XXXX the supervisor again but have not yet been able to resolve this problem. I am a single parent and my credit is severely impacted by this false report. I do not know how to have it remedied and it is for that reason that I am reaching out to CFPB for help. 

XXXX XXXX, which is the parent company of XXXX, has been completely unable to do anything as well. They can only refer me to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Inaccurate information on my credit in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00}

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 2025-10-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-10-22 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : ( XXXX ) XXXX Re : Request for Debt Validation [ Insert Account or Reference Number, if any ] Dear Capital One, I am writing in response to a notice I received regarding an alleged debt. 
This letter is a formal request for validation of that debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information in writing : The name and address of the original creditor.

The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

Documentation that verifies I am legally obligated to pay this debt.

A copy of the original signed agreement or contract that created this debt. 

Proof that XXXX XXXX XXXX has the legal right to collect on this account. 

Until you provide the requested validation, please cease all collection activities, including phone calls and credit reporting. 
If you are unable to validate the debt, please remove any negative information related to this account from all credit reporting agencies, as required by law. 

This letter is not a refusal to pay, but a notice that your claim is disputed. 
Please note that any attempt to collect on a debt without proper validation is a violation of the FDCPA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I am filing this complaint against The Bank of New York Mellon ( BNYM ) due to their failure to resolve critical issues surrounding my mortgage loan, which is allegedly held in the XXXXXXXX XXXX XXXX XXXX XXXX, with BNYM as trustee. The impending foreclosure sale on XX/XX/XXXX, orchestrated by XXXXXXXX XXXX XXXX, is proceeding despite significant discrepancies in ownership and servicing authority. 

BNYMs response to my CFPB Case # XXXX claims XXXX XXXX XXXX XXXX XXXX ( XXXX  ) is the master servicer responsible for all servicing decisions, including foreclosure. However, XXXX  has confirmed they have no record of my loan since its transfer in XXXX, leaving me without a clear point of contact. XXXX XX/XX/XXXX, letter identifies BNYM as the loan owner, yet BNYM insists they lack authority, creating a cycle of deflection. This contradiction jeopardizes my rights as a XXXX XXXX consumer on a fixed income, exposing me to potential elder financial abuse under XXXX XXXX XXXX XXXX XXXX XXXX 

Key issues include : Ownership Uncertainty : BNYMs trustee role should ensure clarity, but their redirection to XXXX, who disclaims knowledge, leaves the true ownerwhether the trust, XXXX, or another partyunidentified. 

Illegal Foreclosure : XXXX  actions, including dual-tracking during my modification review and recording invalid documents under false names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violate the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). My lawsuit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) alleges a void assignment, further invalidating their standing. 

XXXX XXXX : As trustee, BNYM has a fiduciary duty to oversee the servicing chain, yet they have failed to address the XXXX transfer breakdown or enforce compliance, allowing fraudulent proceedings to continue. 

I have sent certified mail to XXXX XXXX XXXX XXXX XXXX XXXX and filed a lawsuit, yet the foreclosure persists. This situation has caused significant XXXX XXXX and threatens my {$4.00} XXXX property equity against a {$1.00} XXXX balance. I demand : Immediate identification of the loans true owner and current servicer. 

Halt to all foreclosure activities pending resolution. 

Full disclosure of the Pooling and Servicing Agreement, chain of title, and transfer records. 

Investigation into elder abuse, dual-tracking, and fraudulent assignments, with compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding American Expresss handling of a billing dispute related to a hotel reservation that was charged by XXXX without my clear consent. 

On XX/XX/XXXXXXXX XXXX XXXX I attempted to make an online reservation directly with XXXX XXXX in XXXX. Without any obvious notice, I was redirected to XXXX booking system. The webpage appeared to be the hotels own site, and I did not knowingly agree to book through XXXX. 

When I realized that the charge came from XXXX and not the hotel, I took a train and the next day arrived at the XXXX XXXX XXXX, approximatelty XXXX XXXX, contacted both XXXX and the hotel. I also filed a dispute with American Express, explaining that I had been misled into booking through a third-party site and that the merchant misrepresented itself in the transaction. 

American Express denied my dispute, stating that the merchant provided documentation validating the charge. However, Amex did not appear to review or address my explanation that the transaction was the result of a deceptive redirect and that I did not knowingly enter into an agreement with XXXX. 

I am requesting that American Express conduct a proper review of this dispute, including : Whether XXXX adequately disclosed that itnot the hotelwas the contracting merchant. 
Whether the booking terms and charges were clearly presented. 
Whether Amex complied with Regulation Z ( Truth in Lending Act ) in conducting a fair and reasonable dispute investigation. 

I am attaching supporting documentation, including correspondence with XXXX and screenshots of the booking page if available. 

I would appreciate CFPBs assistance in ensuring Amex reviews this dispute appropriately and considers the deceptive nature of the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint because TransUnion is reporting false, inaccurate, or unverifiable information on my credit reports with XXXX or more consumer reporting agencies ( Experian, Equifax, and/or TransUnion ) XXXX 

I have previously disputed this information directly with the credit bureaus and with the credit union, providing documentation that demonstrates the inaccuracy. Despite these disputes, the credit union has failed to investigate, correct, or delete the incorrect data as required by the Fair Credit Reporting Act ( FCRA ).

Specifically, the credit union appears to be in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information to a consumer reporting agency that the furnisher knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to update and correct information known to be incomplete or inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete information after receiving notice of a dispute from a credit bureau .

15 U.S.C. 1681i ( a ) ( 1 ) Failure of the consumer reporting agency or furnisher to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

As a result of these violations, my credit report reflects inaccurate information that is negatively affecting my credit score and ability to obtain credit, housing, or other financial opportunities.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require TransUnion to : Conduct a thorough investigation into the disputed account ( s ) ; Provide documentation verifying the accuracy of all information being reported ; Delete or correct any information that can not be fully verified ; and Provide written confirmation to me and the credit bureaus of the corrections made. 



I am attaching supporting evidence including copies of my credit reports, dispute letters, and correspondence with the credit union and the credit bureaus.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because TransUnion is reporting false, inaccurate, or unverifiable information on my credit reports with XXXX or more consumer reporting agencies ( Experian, Equifax, and/or TransUnion ) XXXX 

I have previously disputed this information directly with the credit bureaus and with the credit union, providing documentation that demonstrates the inaccuracy. Despite these disputes, the credit union has failed to investigate, correct, or delete the incorrect data as required by the Fair Credit Reporting Act ( FCRA ).

Specifically, the credit union appears to be in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information to a consumer reporting agency that the furnisher knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to update and correct information known to be incomplete or inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete information after receiving notice of a dispute from a credit bureau .

15 U.S.C. 1681i ( a ) ( 1 ) Failure of the consumer reporting agency or furnisher to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

As a result of these violations, my credit report reflects inaccurate information that is negatively affecting my credit score and ability to obtain credit, housing, or other financial opportunities.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require TransUnion to : Conduct a thorough investigation into the disputed account ( s ) ; Provide documentation verifying the accuracy of all information being reported ; Delete or correct any information that can not be fully verified ; and Provide written confirmation to me and the credit bureaus of the corrections made. 



I am attaching supporting evidence including copies of my credit reports, dispute letters, and correspondence with the credit union and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-10-22 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest repossessed my vehicle but never provided the legally required Notice of Intent to Sell or a Deficiency Letter explaining the balance.

Despite this, Bridgecrest continues to report my account as in repossession and derogatory on my XXXX XXXXredit file. 

I disputed the accuracy of this information with XXXX in XX/XX/year> ( Dispute # XXXX ). 
XXXX investigated and marked my dispute as approved on XX/XX/year>, confirming that Bridgecrest updated the account. 
However, Bridgecrest has reinserted or continued to report the same derogatory repossession status and balance ( {$6600.00} ) after the approved dispute.

Bridgecrest is therefore : Reporting inaccurate and incomplete information, Failing to investigate or correct the error as required under FCRA 623, and Reinserting deleted information without providing the legally required notice to me or the credit bureau. 

I have attached screenshots from my XXXX XXXX report showing : The original approved dispute result ; Bridgecrests ongoing derogatory reporting ; and Communication attempts with Bridgecrest asking for the FCRA dispute department address. 



What Im Requesting 1. Immediate correction or removal of all negative tradelines associated with the Bridgecrest account.

2. Written confirmation of compliance with FCRA 611 and 623 regarding reinsertion notice and investigation results.

3. A copy of any Notice of Intent to Sell or Deficiency Letter, if one was ever issued.

4. Removal of any inaccurate balance or in repossession status from all credit bureaus

Company response to consumer: Closed with explanation