vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Everytime I try to get access to my Expirian app my password never works. So then I try to reset it will not let me. I called and askea a human rep, all he wanted to for 30 minutes on the phone was ask me numerous questions which I answerd correctly. But he still wouldn't help me or tell me my credit score. 
My other question is how can a bank or credit card company get access to my personal credit information easier than I can?

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 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year> I contacted Columbia Debt recovery company XXXX and asked the employee ( XXXX ) if the lease contract that the company had on file for the time period that the charges were occurring was signed by me or my partner and he informed me that I can dispute it but if his client says its my debt it doesnt matter it will stay on my credit. He began to be hostile after I informed him that theres no signed lease contract with the apartments and I did not live on the property during none of the time for the lease period provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Capital One, I am writing to formally dispute late payments that are being reported on my credit file for the above-referenced account. These derogatory entries appear on my credit report from XXXX, XXXX, and/or XXXX  and are inaccurate, unverified, and in violation of federal consumer protection laws. 
Under the Fair Credit Billing Act ( 15 U.S. Code 1666b ), creditors are required to provide a reasonable amount of time ( at least 21 days ) between the time a statement is sent and the due date before considering a payment late. If this condition was not met, then the late payment reporting is both unjustified and unlawful. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), all information a furnisher provides to credit reporting agencies must be accurate and verifiable. I formally request the following : 1. A full investigation into the reported late payments.

2. Documentation that proves the accuracy of each late payments ( billing statements, notice of due date, proof of delivery, etc. ) 3. The immediate deletion of any unverified or inaccurate information from all credit bureaus you report to. 
If Capital One is unable to verify this information in accordance with federal law, you are required to remove these late payments from my credit reports immediately. Please provide written confirmation of your findings and actions taken within 30 days, per FCRA guidelines. 

If this matter is not resolved, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may pursue further legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am filing this complaint to formally request an investigation into the mishandling of my loan modification application by Citizens Bank for the above-referenced loan. Despite proactive and consistent communication with the bank and full submission of required documentation, Citizens Bank has failed to provide a fair and transparent review of my hardship assistance request. 

In XX/XX/year>, I submitted a complete hardship packet to Citizens Bank, explaining that my family experienced a temporary but severe financial hardship due to my wife 's diagnosis and treatment for a rare and aggressive form of XXXX. During this time, both of us lost income while focusing on her recovery. However, our situation has since improved significantly. We are both gainfully employed and our combined household income not including quarterly and annual bonuses exceeds the amount necessary to resume regular payments. 

Despite this, I received a denial letter from Citizens Bank dated XX/XX/year>, stating that no options were available to me. The letter also falsely claimed I stated I was unable to repay the loan, and that our income was insufficient both of which are demonstrably untrue based on the materials submitted. My hardship letter explicitly states that the hardship has ended and that I am seeking assistance solely to bring the loan current. I also included income documentation for both myself and my wife, yet it appears her income was not even considered. Additionally, our disclosed income does not include substantial quarterly and annual performance bonuses ranging from {$5000.00} to {$24000.00}. 

A Citizens Bank representative I spoke with acknowledged that the banks internal process is fragmented and poorly organized, which may have led to an erroneous and unjust outcome. He also admitted that he could not understand why I was denied and believed a mistake may have been made. This suggests a systemic issue in their hardship review process that deserves further scrutiny. 

For context, our primary mortgage lender, XXXX XXXX, successfully processed a loan modification under similar hardship conditions with clarity and compassion. Their approach demonstrates that a fair resolution is possible when due diligence is conducted properly. 

I am requesting the CFPB to : 1. Investigate the handling and review process of my hardship application by Citizens Bank.

2. Ensure that Citizens Bank properly re-assesses my file, including all income sources and documentation.

3. Help facilitate a fair resolution that allows me to bring my loan current and avoid unnecessary and unjust foreclosure action. 

Thank you for your attention to this matter. I am available to provide further documentation or statements upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
I accidentally went 30 days past due on my auto loan with Hyundai Capital / Kia Finance. As soon as I realized this I made a oayment for 30 dollars more than the 30 days past due ammount. Kia finance calls me morning, afternoon and night even though currently im less than 20 days past due for last months and intend to catch up on payments next week. I received a call on Monday at XXXXXXXX XXXX  from them. I answered and told them to stop calling. I asked the rep if he knew how late it was whete I live. They still persist. I got a call at XXXX last night and again at XXXX tonight for a payment that isnt even delinquent. I have unfortunately done business with Kia Finance since 2020 when we bought our XXXX new. We have had nothing but issues with Kia finance. The car itself has began falling apart even with maintenance. They ripped me off on the financing and sold me a car that thus far has had XXXX recalls. My insurance is sky high due to both recalls and it has also affected my homeowners insurance because one recall invoices the vehicle combusting. Yet they dare harass me at all hours. They are rude when you do talk to them.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This company by the name of Portfolio Recovery Associates is reporting {$430.00} in collection to my three credit reports with XXXX XXXX and XXXX.

I had requested in writing to get copies of the signed credit application for this account that seems to be a fraudulent account opened without my permission or authorization. I also asked them to send me a copy of the identification they received to open this account in my name to take this matter to my local precint to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

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 2025-05-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card account opened at XXXX XXXX  on XXXX XXXX, 2020, under the account number XXXX. This account has resulted in fraudulent late payments appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.

The account above, late payments result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment history reported for the following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. I respectfully request that you investigate this matter, correct the payment history if it is found to be inaccurate, and provide me with written confirmation and a free updated copy of my credit report upon completion of the investigation.

Please complete your investigation within the 30-day timeframe as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2025-05-15 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: FL

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 2025-05-15 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: DC

Complaint narrative:
This account is over 10 years old from the original date of delinquency and is obsolete under FCRA 605 ( a ) ( 5 ). 
Under the Fair Credit Reporting Act ( FCRA ), obsolete accounts must be removed. 
TransUnion. XXXX XXXX {$2100.00} refused to remove it.

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 2025-05-15 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: CO

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 2025-05-15 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: GA

Complaint narrative:
A debt collector is reporting an invalid rental debt on my credit report. Collection account from XXXX XXXX XXXX with account # XXXX and XXXX XXXX XXXX with account # XXXX. I have disputed the debt multiple times and requested validation. They have failed to provide documentation such as a lease, itemized charges, or proof of authority to collect. Despite this, the debt remains on my credit 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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
According to 15 USC1692C you have violated my rights by a lawful communications.

I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account this as soon as possible from my report or i will have to take legal action.

Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below.

Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 16810.

Sincerely

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANNER CORPORATION
State: WA

Complaint narrative:
XXXX XXXX took two interest payments out of our account on XX/XX/year>. They finally refunded our account the extra payment and then the reported a 30 day late payment to all the credit bureaus. The mistake was made by XXXX XXXX  and they have admitted to it in writing. They have subsequently NOT reversed the incorrect information and keep telling us that it is in the credit bureaus hand. This is unacceptable. They have impacted our credit rating immensely and we have lost almost XXXX points.

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 2025-05-15 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: FL

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for inaccurate credit reporting and failure to properly investigate a dispute concerning a XXXX auto lease obligation associated with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX. ( as indenture trustee of XXXX XXXX XXXX XXXX XXXX XXXX ). 

The lease was securitized and monetized by XXXX XXXX XXXX XXXX, with proceeds deposited into the XXXX XXXX XXXX, as confirmed in public SEC filings XXXX Form XXXX, prospectus supplements ). As such, the obligation was XXXX through trust-level settlement and payment monetization. Despite this : All three bureaus continue to report the account as XXXX days past due, which is false and materially misleading. 
This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i ( Failure to conduct reasonable reinvestigation ) and 1681s-2 ( Duty to report accurate information ). 
My valid dispute and supporting documents were previously submitted and ignored or dismissed without proper reinvestigation or explanation. 

Furthermore, the creditor ( XXXX XXXX XXXX and the bureaus have wrongfully dismissed my tender as a fictitious instrument without legal basis, echoing language often used to discredit consumers rather than address their claims on merit. I am not affiliated with any sovereign citizen ideology, and such implications are defamatory and discriminatory.

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