vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NC

Complaint narrative:
President Donald Trump granted access to DOGE and XXXX XXXX which is a violation of FERPA. Please remove all student loan debt due to violation of my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: NY Community Financial, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I visited the XXXX check cashing location at XXXX XXXX XXXX, XXXX, XXXX  XXXX to request a {$5.00} money order. I was informed by the cashier that printed proof was required to process my request and any request of this sort between {$2.00} and {$10.00}. I explained that I was unaware of this requirement and observed no signage stating this policy. I also communicated that the money order was needed to replace my work identification card and offered to provide proof via an email request from my employer. Despite this, the staff refused to review or accept the electronic documentation and told me, Its not my problem, come back tomorrow, this is our policy. 

This lack of accommodation is especially burdensome to impede me from my employment. In addition for low-income individuals, working families, and elderly persons who may not have access to a printer or the ability to return the following day. I was further told that a supervisor was unavailable, having left for the day around XXXX XXXX, and no alternative staff member could assist. Nor could they print the email for their records. 

As a XXXX XXXX XXXX XXXX XXXX, I find this practice to be unnecessarily rigid and potentially discriminatory, as it fails to consider reasonable accommodations. I believe this policy may be in violation of consumer protection standards and anti-discrimination laws, and I am submitting this complaint to express serious concern about how such policies can negatively impact people in this community. I was forced to get an {$11.00} money order, hoping my employer accepts this as it would be over paying for the ID.

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 2025-06-04 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: GA

Complaint narrative:
b'I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report.\nAs of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication.\nThe following are the items that I would like to be removed from my credit fileXXXX 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 explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized XXXX inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-06-04 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized XXXX inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-06-04 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: GA

Complaint narrative:
b'I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report.\nAs of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication.\nThe following are the items that I would like to be removed from my credit fileXXXX 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 2025-06-04 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: GA

Complaint narrative:
b'I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report.\nAs of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication.\nThe following are the items that I would like to be removed from my credit fileXXXX 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 2025-06-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-04 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: NC

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously reported this issue to your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honoredthese inquiries remain on my report. 
This failure to act is entirely unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and raises serious red flags about possible identity theft. This unresolved matter continues to cause emotional XXXX and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health. It is crucial to address these issues promptly to restore my credit integrity and ensure a fair assessment of my financial standing.

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 2025-06-04 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:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health. It is crucial to address these issues promptly to restore my credit integrity and ensure a fair assessment of my financial standing.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
Response to CFPB Escrow and Forced-Placed Insurance Dispute To Whom It May Concern, I am submitting this response to clarify and dispute the improper increase in my mortgage payment managed by LoanCare, in connection with Loan Number : XXXX, for the property located at XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

1. Background : On XX/XX/year>, I signed a formal WAIVER OF ESCROW agreement with my prior lender, XXXX XXXX XXXX . This document confirmed that I, as the borrower, would personally be responsible for paying real estate taxes and hazard insurance, and explicitly waived the requirement for monthly escrow deposits. 

2. Current Issue : Despite the signed escrow waiver, LoanCare has continued to charge me escrow every month and has now increased my monthly mortgage payment to {$3300.00}, while my contractual principal and interest ( P & I ) payment remains {$1800.00}. This excessive increase is based on : - Alleged escrow shortage of {$6200.00} ( which is inaccurate ) ; - Forced-placed insurance charge of $ XXXX initiated by the previous lender ( XXXX ) ; - Ongoing escrow charges for insurance that was already imposed previously. 

3. Clarification : The force-placed insurance was already implemented and paid under XXXX administration when they claimed I did not provide evidence of hazard insurance. Therefore, it is incorrect and unreasonable to continue justifying ongoing escrow charges or increased payments based on that same insurance issue. I am not obligated to maintain duplicate coverage or retroactively repay what was already charged. 

4. Relief Requested : I request the following from LoanCare : - Immediately restore my monthly mortgage payment to {$1800.00} as per my original contract ; - Stop all unauthorized escrow assessments and remove all future escrow charges ; - Refund or credit all excess payments collected beyond my P & I amount since the servicing transfer ; - Confirm in writing that my escrow waiver remains valid and enforced. 

LoanCares failure to respect the escrow waiver, and its continued misapplication of escrow-related fees, has caused substantial financial distress. I ask CFPB to intervene and ensure this matter is resolved without further delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts were reported to Experian and has violated my rights : XXXX. Account name : XXXX XXXX XXXX, Account number : XXXX XXXX. Account name : XXXX XXXX, Account number : XXXX XXXX. Account name : XXXX XXXX XXXX, Account number : XXXX XXXX. Account name : XXXX XXXX, Account number : XXXX 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 ). 

According to 15 USC 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of 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.

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 2025-06-04 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized XXXX inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US bank decided to close all my accounts and most importantly my altitude reserve credit card without notice. I was doing the usual grocery shopping from a store that I occasionally shop at using this card but the card kept getting declined. So I called the credit card customer support number and they told me the card is closed! I was surprised because I have not got any notice or notification for that. I know I got few letters few weeks ago about cancelling my other checking accounts by XXXX for no reason but never received any notice or warning about my credit card. I asked the agent over the phone this makes no sense because I paid the annual fee of {$400.00} just a few months ago but she couldn't address me concerns, so she transferred me to another department and the new agent said she can not help in anything and that the US bank decided to end the relationship completely. I asked for a supervisor and also the supervisor was useless as she said they don't have a mechanism to refund me the annual fee or the points back. The credit card account had at least XXXX points... yes over XXXX points that I can not access anymore plus the card itself can not purchase anything.

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 2025-06-04 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: TN

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Experian ( XXXX ) Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Equifax ( XXXX ) Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion ( XXXX ) Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief