vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage made a report / status regarding my mortgage payment to the XXXX. The error ( late payment ) was a result of XXXX  XXXX XXXX check not being received on time. The payment was made XXXX  days late. When Shellpoint tried to deposit the original check, it did not clear as it had been canceled. This company is an unprofessional nightmare to work with and I feel these " errors '' are targeted / intentional attempts to have us take our low-interest loan elsewhere. Please help me understand how mortgage companies can make filings on credit reports after XXXX  days and please help me get this false reporting stopped.

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 2025-03-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened- XX/XX/XXXX Account Name : XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Date Opened - XX/XX/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 2025-03-12 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX TransUnion

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Upstart Holdings, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 804A section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I filed a dispute with account : ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) through Experian due to my personal and financial information being compromised which is a violation of the FERPA act. Experian has denied following up with this investigation. I am aware of the recent lawsuit against Experian that the CFPB has filed for failure to notify consumer dispute results and accepting unreliable information. This lawsuit aligns with the situation that I am currently faced with in my dealings with Experian. Experian has not attempted to remove, nor correct any information that I have requested an investigation on. I'm requesting that this derogatory remark be removed or corrected immediately as it's altering the course of my lively-hood and affecting my future endeavors moving forward in hopes of purchasing a home or receiving a car loan. Experian violates my rights as a consumer, as well as federal laws and regulations.

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 2025-03-12 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: First Technology Federal Credit Union
State: IL

Complaint narrative:
I noticed that accounts from XXXX XXXX XXXX XXXX and XXXX Bank appeared on my credit report without my authorization. I immediately contacted the credit bureaus and the institutions to dispute these accounts and clarify that they do not belong to me instead of properly investigating the issue they suggested placing a fraud alert on my credit report even though I explicitly stated that these accounts were not mines and should be removed This has negatively impacted my credit and financial standing I am requesting a thorough investigation and the removal of these unauthorized accounts from my 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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment on my XXXX account which Ive done several times with this card. Each of those payments were charged a cash advance fee. I called Capital One to verify if this was correct they blamed XXXX. I requested to dispute the payments to XXXX because I did not authorize a cash advance for them. I was refused to submit the dispute and I was refused to reverse the fees off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 804A section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I took out a personal loan for {$25000.00} with an interest rate of 14.99 %. It was a XXXX loan with 60 monthly payments. 

During XXXX, between XX/XX/XXXX and XX/XX/XXXX, the bank informed us that we could skip payments due to the national emergency, and those skipped payments would be added to the end of the loan. 

However, after making the final XXXX payment, we were told that although the payments had been skipped, interest had been accumulating during the months the payments were skipped. Now, we are being asked to pay the total accumulated interest in one lump sum, which is over {$2700.00}.

I was never informed about this when I was told about the option to skip payments. I asked if any documentation had been provided to me, but I was told there wasn't any. PenFed claimed that I was informed over the phone, but beyond that, they had no other information available, such as a letter, email, or voice recording.

When I called PenFed to try and resolve the issue, all they told me was to pay the amount they disclosed and, if I couldn't, I could take out a loan to pay them. This issue started two months ago, and at first, they couldnt even explain why I owed them. After making several calls and spending hours on the phone, pressuring them to investigate, I continued to receive multiple harassing calls per day for weeks, despite having an ongoing case with them. 

Its been an incredibly frustrating experience. I cant believe I thought they were helping me during XXXX, but instead, it feels like it was just a way for them to make an additional 35 % profit on top of the agreed amount.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Yamaha Motor Finance Corporation USA
State: TX

Complaint narrative:
Reached out to company in XX/XX/XXXX due to them calling on an account that was supposed to be closed in XXXX. I was a joint holder on said account. They can not give me information as I don't have information on the account. They could not verify with my number or my social. I disputed with the credit bureaus, and they stated I am responsible for the account although I can not get information linking me to account or primary holder. The primary holder is racking up the debt on said account and weakening my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
" Dear [ Absolute Resolutions INV ], I received your letter stating that I owe [ XXXX ] on [ XXXX ]. 
I am requesting that you provide validation of this debt. 
Please provide the following information : Creditor 's name and address Amount of debt Original charge-off or delinquency date Evidence that the debt is within the state 's applicable statute of limitations I will be ignoring all other attempts at future collection until you verify that the debt belongs to me. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: KY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX I open a personal credit card. I have paid the credit card but just missed two payment out of the 1 year I had the card. In XXXX of XXXX after paying the card completely I ask them to close out the card and remove it from my credit report. In XXXX of XXXX upon checking my credit score I notice the credit card company had term open and it stated that I was still paying. So I contacted them to let them know that card was open and I closed in XXXX the said it was an error from the credit bureau and that I need to update my account or contact the credit bureau. I did both, and the credit bureau informed that the dispute I put was approved and that they would remove it. XXXX of XXXX and XXXX of XXXX I seen that the information is still on my credit as well as recently. I don't know what else to do to have the credit card to be removed. The credit bureau want me to informed them what is the issues but I have reach out to many times XXXX the same issue. There has not been any changes regarding my dispute or the conversation that we had. Or there has not been any documentation giving to me by the bureaus or the company as to why this is current situation.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX I open a personal credit card. I have paid the credit card but just missed two payment out of the 1 year I had the card. In XXXX of XXXX after paying the card completely I ask them to close out the card and remove it from my credit report. In XXXX of XXXX upon checking my credit score I notice the credit card company had term open and it stated that I was still paying. So I contacted them to let them know that card was open and I closed in XXXX the said it was an error from the credit bureau and that I need to update my account or contact the credit bureau. I did both, and the credit bureau informed that the dispute I put was approved and that they would remove it. XXXX of XXXX and XXXX of XXXX I seen that the information is still on my credit as well as recently. I don't know what else to do to have the credit card to be removed. The credit bureau want me to informed them what is the issues but I have reach out to many times XXXX the same issue. There has not been any changes regarding my dispute or the conversation that we had. Or there has not been any documentation giving to me by the bureaus or the company as to why this is current situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Credit Bureau Dispute Department, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of the following fraudulent accounts that I did not open, authorize, or have any association with. Below are the details : XXXX. XXXX XXXX ( Account # XXXX ) Account Type : Unsecured Personal Loan Balance : {$380.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ( Account # XXXX ) Account Type : Unsecured Personal Loan Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account # XXXX ) Account Type : Auto Loan Balance : {$16000.00} ( Charged Off ) Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance : {$22000.00} Past Due Amount : {$16000.00} Legal Compliance and Requests In accordance with FCRA 611 ( 15 U.S.C. 1681i ), you are required to : 1. Conduct a full investigation into these accounts within 30 days. 
2. Provide documentation verifying the accuracy of the accounts, including signed applications, payment histories, and proof of ownership.

3. Remove the accounts immediately if they can not be verified as accurate.

Additionally, these accounts should not be reported under my name if they are fraudulent. If these accounts remain on my credit file, I will escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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