vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: CA

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 explanation
Consumer complaint received 2025-03-27 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: FL

Complaint narrative:
I was looking over my credit report and I found hard inquires that I do not recognize and did not approve. Please take all these inquires off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request immediate intervention regarding my Borrower Defense claim ( Case # XXXX ) against XXXXXXXX XXXX I was fraudulently misled by XXXXXXXX XXXX through deceptive marketing practices, including false promises of high post-graduation employment rates and exaggerated income potential. These misrepresentations directly influenced my decision to enroll and take on significant student loan debt under false pretenses. 

Despite filing my Borrower Defense application, my student loan balance remains, and I am suffering undue financial hardship as a result of this predatory institutions actions. Given the Department of Educations established findings that XXXXXXXX XXXX engaged in fraudulent misrepresentation, I believe I qualify for full loan discharge and restitution under federal regulations. 

I am urgently requesting the CFPBs assistance in ensuring that my claim is processed without further delay and that my student loans are discharged immediately. The ongoing burden of this debt has severely impacted my financial well-being, and I can not afford to wait any longer for resolution. 

I respectfully urge your office to escalate my case and advocate for the immediate cancellation of my student loans under the Borrower Defense to Repayment program. Please provide any updates regarding my case status and confirm the necessary steps to expedite this process. 

Thank you for your prompt attention to this urgent matter. I appreciate your time and assistance in ensuring that justice is served for defrauded borrowers like myself. I look forward to your response.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

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. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AL

Complaint narrative:
I attempted to pay my loan in full on XX/XX/25. It showed on the recent payments as processing. It was then removed from the recent payments screen on XX/XX/25, but not on payments history. Balance remained the same and did not reflect payment despite funds being removed from bank account. Interest was still being applied to the balance. I called in and they said not to worry and I was fine, but without proper statement on Edfinancial payment history and the funds still being removed from bank account, I am left unsure about the status of my loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
U.S. Bank has frozen my small business checking account without providing any specific reason or timeline for resolution. After hours on hold with their customer service department, I've determined their New Accounts/ Account Verification Department placed my funds on hold. Since then, I have been unable to access the money needed to operate my business. I have contacted support multiple times by phone and social media, but all XXXX agents refuse to assist or provide an escalation path. I have submitted all requested documentation, verified my identity multiple times, and still can not get a clear answer. 

I am a XXXX  and this account is used for active small business operations, specifically my business 's cash reserve. U.S. Banks actions are disrupting my ability to fulfill obligations to my clients and are damaging my business reputation. I have not been told of any actual fraudulent activityonly vague references to verification or risk, and I am being stonewalled when I ask for clarification or escalation. 

Their process lacks transparency, fairness, and regulatory compliance. This is unacceptable behavior for a national bank.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have attempted to dispute accounts and inquires that are not my accounts and can not access the dispute based on the credit bureau stating they don't have my address on file. All of the accounts are opened by someone else and the inquiries were never authorized by me. I have sent the credit bureau a copy of everything needed to verify identity however, they will not send me the requested information. I have sent the email with all the information. The website states that the upload is currently down. How can I give the information requested if not able to upload?

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 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
Easypay leasing is using a rental contract or leasing contract to pay for mechanic work that was done at XXXX XXXX XXXX XXXX XXXX XXXX. I was in a desperate situation and needed my car fixed because my finances would suffer diabolically if my car was not fixed. I was presented the option of EASYPAY financing. It was my understanding that this was financing and I would pay XXXX same as cash within 90 days. So at this point now, I am having to pay an additional {$200.00} in taxes when the taxes on the vehicle repair are already included in the price. It is a deceptive practice to use a leasing agreement for mechanic work done on a vehicle. This violates Florida statutes XXXX, and other statutes. There is no reason why I should be paying taxes on something that was already taxed. Anytime I login to their website to see my balance and my payments, There is XXXX transparency. Its very difficult and deceptive. And their language is hard to understand. Theyre taking advantage of consumers all over. They already have three lawsuits with three different states Attorney Generals. If my car repair is not paid within 90 days, the price then raises to over {$5000.00}. If its paid in 52 payments its over {$8000.00}. Theyre using a lease agreement to mock a loan. Theyre calling it a loan and then presenting it as a rental agreement. My mechanic did work on my car changing my thermostat and thermostat housing among other parts. The part specifically thermostat and thermostat housing is saying that Im renting it. This is not the case. I have had work done on my vehicle. I have in no way ever rented a car part. Furthermore, its illegal to use a rental contract to finance for motor vehicle repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
What happened to my XXXX balance in cash rewards! Your statements just don't show what happened! Of course you still to this day offer no live chat or email support because you are all a bunch of cowards!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy, please be reminded, no consent is identity theft. 

XXXX XXXX XXXX XXXX XXXXFirstsource Advantage  Please promptly remove this data within 4 business days pursuant to 15USC 1681-C-2 to avoid any further legal proceedings.

Thank you for your timely compliance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Contacted me even after receiving cease and desist letter Asked for proof I owe the debt but they never sent it so I sent certified mail so they must respond I told them the situation and the original debt owner i informed them why I dont owe this debt and they refused to show proof of my debt owed and its ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX an unauthorized hard inquiry from Capital One appeared on my credit report. I did not apply for a Capital One credit card, nor did I authorize this inquiry. This was the result of identity theft, as someone fraudulently used my personal information to apply for credit in my name. 

I have already contacted Capital One, and they confirmed that they did not open an account in my name. However, they advised me to dispute the inquiry directly with the credit bureaus. 

Since this inquiry was fraudulent, I request its immediate removal from my credit report. I am also willing to provide additional documentation if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB/s recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief