vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had XXXX accounts with XXXX XXXX XXXX. I called them to settle the accounts and we came to an agreement. They stated that if I made a XXXX time payment for said amount the account would settled in full and they would notify the credit bureau to remove it off my credit report. I settled XXXX accounts with a XXXX time payment and set the other account up on a payment arrangement. The account with the payment arrangement would be made in XXXX payments, they stated. I received a letter in the mail showing the accounts not paid in full, rather payments made and stating I owe a remaining balance. The account that was set up on a payment arrangement actually shows XXXX payments. Which is XXXX more payment I did not agree to. I also looked on my credit report and XXXX accounts are showing past due balances when they should show settled and closed. The amounts due are what they supposed waived in the settlement. The account set up on a payment arrangement is not even reflecting the first payment I had made. This is NOT what I agreed to. I agreed to a XXXX time payment on XXXX accounts to settle them, and to show as paid and closed on my credit report. I agreed to make XXXX payments on another account, not XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-14 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:
I am submitting a follow-up complaint regarding the inaccurate and misleading reporting of a charge-off by XXXX Bank on my credit report XXXX Account # XXXXXXXXXXXXXX ). 

Although Equifax previously responded by updating the account, XXXX continues to report the charge-off as a recurring derogatory event each month. This is not only misleading but violates the Fair Credit Reporting Act ( FCRA ), which requires information furnished to credit reporting agencies to be accurate and not misleading. 

A charge-off is a one-time accounting event and should reflect the original charge-off date only. The current reporting pattern distorts the nature of the account and unfairly damages my creditworthiness by making it appear as if XXXX experiencing repeated charge-offs every month. 

I respectfully request that the CFPB reopen this matter and require XXXX to : XXXX. Cease the monthly reporting of the charge-off as a new event, and XXXX. Update the credit bureaus to reflect a delete the tradeline if it can not be. 

This type of reporting harms consumers and undermines the integrity of the credit reporting system. I have attached documentation from my credit report showing the pattern of repeated derogatory updates. 

Thank you for your continued attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage has shared my personal information including interest rate details to other mortgage companies which caused a wave of spam calls. They shouldn't be sharing my information especially rate and mortgage details. This is causing so much inconvenience to me with all spam calls that I am not able to use my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I am a XXXX  of identity theft and did not authorize any of the following credit inquiries listed on my credit report. I submitted an FTC Identity Theft Report ( Report # XXXX ), and I also contacted the credit bureaus and the companies involved, requesting verification under FCRA XXXX and XXXX. No company provided the required proof of authorization or a valid permissible purpose. These hard inquiries must be removed immediately as they were made without my consent. 

Unauthorized inquiries include : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Please help enforce my rights under the FCRA and require the immediate removal of all unverified and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am a victim of identity theft and did not authorize any of the following credit inquiries listed on my credit report. I submitted an FTC Identity Theft Report ( Report # XXXX ), and I also contacted the credit bureaus and the companies involved, requesting verification under FCRA 604 and 609. No company provided the required proof of authorization or a valid permissible purpose. These hard inquiries must be removed immediately as they were made without my consent. 

Unauthorized inquiries include : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Cash Advance Now Please help enforce my rights under the FCRA and require the immediate removal of all unverified and unauthorized inquiries.

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 2025-05-14 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-14 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-14 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: IN

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX. Subsequently while reviewing my report I'm unfamiliar with several accounts. I have asked the CRA for validation of debt although ; the information has not been provided. 

I have attached the following documents due to exposure and submitted a FTC complaint in regards to reporting the information. 

* DATA BREACH DOCUMENTATION * SS CARD * VALADATION LETTER * FTC REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
I received a phone call from XXXX. Which is United Collection Bureau. I have no debt in collections, so they shouldnt be calling me. I believe they were calling for my XXXX. Nonetheless, they shouldnt be calling me about his debt either. I see that several complaints have been filed against them with the FTC. I tried to file a complaint with them but I was directed to 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 2025-05-14 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: OH

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 XXXX  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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX, I purchased a XXXX  XXXX XXXX XXXX XXXX XXXX as a first-time, inexperienced car buyer. My credit score was fair at the time, and the dealership working with the lender approved me for a loan that totals over {$51000.00}, including interest. The cars actual value was significantly lower ( around {$25000.00} {$28000.00} at the time ), but I was pressured, rushed through the paperwork, and not given a clear explanation of the loans long-term cost. 

My monthly payment is {$690.00}, Ive already paid over {$15000.00}, and I still owe over {$27000.00} despite the car being four years old and worth far less today. I believe I was taken advantage of due to my lack of experience and my credit situation. There was no fair breakdown of fees, no transparency, and I suspect hidden charges or unnecessary add-ons were included in the financing without my knowledge. 

This situation has caused ongoing financial and emotional distress, including XXXX XXXX, and a constant burden from being locked into this loan. While the sale happened in XXXX, the damage is ongoing every single month through my payments and the unmanageable loan terms. 

I am filing this complaint because I believe the lender engaged in predatory lending practices, exploiting me with an extremely inflated loan and failing to provide full, fair disclosure. I am asking for this loan to be reviewed and investigated, and for appropriate action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> loan pre approved XXXX. From checking account aged and no discrepancy good standing for years. Paid loan, not one miss payment noticed no positive impact reported as advertised. Didnt think anything of because again, been with chimeXXXX XXXX for XXXX never had any issues. Figured maybe long processing times, even got approved for another loan as payoff was reported via chime website and app. Out of no where XXXX on XX/XX/XXXX received report from chime I closed account? I have never closed account and have good of good current standings. Reported dispute via credit report as XXXX decrease completely not accurate no okay as effects me. Currently still being reviewed but called chime in efforts of resolution and explanation on what is going on. XXXX had no ability to advise of why this happened. Stated for XXXX to get XXXX XXXX on the line call them back in a XXXX way call and they would have to go from there????? XXXX stated good standings and no negative impacts reported. XXXX or I wasnt in a place to have to do others jobs. Called chime back because now I am also seeing my card was reported stolen????????? Rep I spoke with today regarding now a WHOLE NEW ISSUE that again was not authorized nor requested by me. Effecting me with XXXX ability to advise of how to resolve or why?? XXXX stated what I clearly already know hint this is why I am calling. Stated oh I see the rep canceled it yesterday.????? Did you file a dispute mam I advised nooo I called due to seeking explanation in negative impact to loan with chime. NOTHING at all to do with my debit card/ checking account.this new rep today I spoke with again was not able to pull the call and explain to me why my card was canceled by and agent when I did not once authorize nor requested any unauthorized activity within my checking account at all on XXXX. 
I requested to speak to a supervisor or someone who was able to provide some type of explanation or reassurance of correcting inaccurate closure of my debit card. XXXX placed me on hold for XXXX minutes and hung up. Not once checked on me. At this point I have not a clue what to do. Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I'm super stressed out about this and they are harassing me I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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