vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
I am disputing an account reported to my Equifax credit report by XXXX XXXX XXXX ( Account XXXX : XXXX ). 

This account is being reported as charged-off with multiple months of potentially negative information. However, I never received the notice required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( a ) ( XXXX ), which mandates that a furnisher of negative information notify the consumer either before or no later than XXXX days after reporting the negative item to a consumer reporting agency. 

The required notice must be clear and separate from any other communication or agreement, and I can confirm that no such notice was ever received by me from XXXX XXXX XXXX. This failure is a direct violation of the FCRA, and as a result, I am requesting that this item be removed from my credit report. 

I previously submitted a dispute to Equifax directly and am now escalating to the CFPB due to the legal violation involved. Please investigate and compel Equifax and the furnisher to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned consumer credit accounts, collections, and hard inquiries are the result identity theft and fraud.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
TFSs XXXX response ( XXXX ) again confirms the payment posted XX/XX/XXXX, but it fails to address the key issue : I received no electronic notice in XX/XX/XXXX despite their practice of emailing/alerting for missed payments both before and after this period. 

TFS states, " In XX/XX/XXXX, we enhanced our website and updated our notification options to include additional communications, such as the one referenced in your complaint. ", implying that email alerts were added in XX/XX/XXXX. Yet I have attached ( EXHIBIT C, attached ) alerts dated XXXX XXXX XXXX  This proves the alert system was already activeand that its failure in XX/XX/XXXX was an anomaly directly tied to their XXXX system migration. Their own explanation is internally inconsistent. 

XXXX admits website notification options were enhanced in XXXX, which further proves XXXX alerts were absent. 

TFS claims multiple phone attempts XXXX, yet I have no callerID log / voicemail from TFS during that window ; I request they produce their diallog to CFPB. 

A generic negativecredit boilerplate on XXXX statements is not the specific delinquency notice required under RegB or RegF once the account entered default. 

Absent timely notice, repossession efforts began without due process. 
I again request a goodwill deletion of the XXXX late mark or, alternatively, an admission that TFSs own notification process failed during its XX/XX/XXXX system migration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Follow-Up Complaint Against Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Case Number : XXXX Internal Reference : XXXX Dear Consumer Financial Protection Bureau , I am formally submitting this supplemental complaint and demand for enforcement regarding XXXX XXXX XXXX XXXX XXXX and the continued inaccurate and fraudulent reporting of an account to Experian, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. This is a Case of Aggravated Identity Theft I am asserting that this account is the result of identity theft, and I have not signed or authorized any lease or debt related to this claim. I have requested legal validation from XXXX XXXX XXXX XXXX XXXX, and they have refused to provide : A copy of the original lease bearing my wet ink signature, Any verifiable proof of my legal obligation to the debt, Proof that they are licensed to collect debts in Georgia, Confirmation that they were given permissible purpose to access and report on my credit file. 

Despite this, they continue to report this account, which constitutes aggravated identity theft under 18 U.S. Code 1028A, and Experian continues to allow them to do so. This has caused material harm to my financial reputation, creditworthiness, and mental health.

2. Formal Demand for a Fraud Traffic Block ( FCRA 1681c-2 ) Under FCRA 15 U.S.C. 1681c-2, I am exercising my right to request a fraud ( or identity theft ) block on this account. I have submitted : A identity theft affidavit, A copy of my government-issued ID, Proof of address at XXXX XXXX Pl XXXX XXXX, GA XXXX A detailed statement indicating that I did not authorize or open this account. 

Despite providing this information, Experian continues to allow this account to report, ignoring federal mandates under FCRA that require immediate blocking of fraudulent information upon notice. 

XXXX. Experian Is in Violation of Its Duty to Investigate ( FCRA 1681i ) Experian has failed to reasonably investigate or resolve my disputes, despite being notified that : The debt is unverifiable, XXXX XXXX failed to respond with legally sufficient documentation, There is credible evidence that this is identity theft, No proper debt validation has been provided. 

Experian is knowingly allowing inaccurate, unverifiable, and fraudulent data to remain on my report. This is a direct violation of 15 U.S.C. 1681i and 1681s-2 ( b ).

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ND

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-03 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: IN

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> * * Subject : Credit Report Dispute under FCRA Section 611 Student Loan Account from XXXX XXXX * * To Whom It May Concern, I am writing to formally dispute the accuracy of an account listed on my Experian credit report under the provisions of Section 611 of the Fair Credit Reporting Act ( FCRA ). The account in question is a student loan reported by XXXX XXXX in the amount of {$32000.00}, listed under my name, XXXX XXXX. 

I request that Experian initiate an immediate investigation into this account and verify its accuracy, completeness, and validity. In accordance with Section 611 of the FCRA, you are required to investigate and respond to my dispute within * * XXXX  days * * of receiving this request. 

Please provide a full reinvestigation and furnish me with : XXXX. All documentation used to verify the accuracy of the account. 
XXXX. The name and contact information of the furnisher who verified the account. 
XXXX. Written confirmation that the account has been updated or removed, if found to be inaccurate or unverifiable. 

For your reference, I have enclosed a copy of my credit report with the disputed item highlighted, along with a copy of my government-issued ID and proof of address. 

If the account can not be verified, I request that it be * * deleted from my credit file * * in accordance with the FCRA. 

Please send your response to the address listed above. I appreciate your prompt 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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I spoke with company that refused to give information because I would not provide my social security number. They promised to send some verification to my email but only the debt listed was shown. I then reached out to XXXX  whom I thought would do a thorough investigation but they responded that debt was verified but no proof was ever sent. The same company is listing a debt that's on my report as paid, never late. The company is Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
A few months ago I was told a XXXX XXXX XXXX loan was in my name apparently a check I know nothing about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I dispute the following latepayment entries ( XXXX  days past due ) that XXXX XXXX XXXX reported on my credit file. On XXXX, I sent XXXX a written request for documentation verifying these delinquencies and detailed account statements showing my payment history. I received no response. I followed up on XXXX by phone and email, yet XXXX still did not provide any records. Because they can not verify the accuracy of these latepayment reports, I request that all such entries be removed and that my account be updated to Current or AsAgreed.

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 2025-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I submitted a formal request to Rushmore Loan Management Services on XX/XX/XXXX for the cancellation of Private Mortgage Insurance ( PMI ) on my mortgage, as my loan balance had reached a level below XXXX XXXX of the homes market value meeting the threshold for borrower-initiated PMI cancellation.

On XX/XX/XXXX, Rushmore denied my request, stating that the Loan-to-Value ( LTV ) ratio had not been met. However, they did not initially provide any supporting data, methodology, or valuation documentation. On XX/XX/XXXX, I submitted a formal written request for the full valuation report and calculation methodology used to deny my request. 

After repeated follow-ups, Rushmore ultimately provided the Broker Price Opinion ( BPO ) that they relied on. That report, dated XX/XX/XXXX, shows a property value of {$460000.00}. As of XX/XX/XXXX, my principal loan balance is approximately {$350000.00}, which results in a Loan-to-Value ratio of XXXX XXXX. 

Despite having met the qualifications for PMI cancellation based on the BPO and current loan balance, Rushmore has not reversed their denial, nor have they provided an updated decision or timeline for PMI removal. Their delay in providing documentation and continued noncompliance constitutes a violation of my rights under the Homeowners Protection Act ( XXXX U.S.C. XXXX et seq. ) and has resulted in continued financial harm through unnecessary PMI premiums. 

I am requesting immediate cancellation of PMI, written confirmation of the cancellation date, and a refund or credit for any PMI premiums collected after I became eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these fraudulent inquiries at all. 
XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX  Inquiry date Removal date XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax has violated my accounts numerous times and I demand that the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and I didn't give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX, I leased a XXXX XXXX XXXX from XXXX XXXX. I traded in the vehicle for a XXXX XXXX, which was paid off and returned in XX/XX/XXXX. XXXX XXXX reported that in XX/XX/XXXX and XX/XX/XXXX, I was 60 days late on the payments. Previously, I had never missed a payment, but how could I miss a payment when I no longer owned the vehicle, as the closeout date was in XXXX? In XXXX, I owed a XXXX XXXX XXXX, and in XXXX, I owned an XXXX XXXX, both financed by XXXXXXXX XXXX XXXX XXXXXXXX. Consequently, XXXX XXXX is reporting information on an account closed in XXXX indicating missed payments in XXXX and XXXX. I have filed disputes with all credit bureaus, but they have not removed this erroneous information. I am unable to file another dispute, which is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MS

Complaint narrative:
I read about the CFPB v Experian lawsuit. I feel that I was negatively impacted, hurting my chances at credit after receiving XXXX responses to my earlier dispute that the accounts were " verified '' by Experian. 

I sent my first dispute on XX/XX/XXXX and I got their response dated XX/XX/XXXX, the results came back " verified ''. 
I then sent another dispute on XX/XX/XXXX and I got another response dated XX/XX/XXXX, asking about how the investigation was conducted, what method of verification was used, details on the validation ( names of people they spoke with and contact numbers ). 

I believe Experian did not conduct a thorough investigation of the errors on my credit report and I did not receive any proof of validation.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I submitted multiple credit line increase requests for my Capital One Venture card. Each request was denied based on reasons tied to low credit scores and alleged negative credit data sourced from Equifax. 

However, these denial reasons did not reflect the current and accurate state of my credit profile. For example, the XX/XX/XXXX denial cited a credit score of XXXX from Equifax dated XX/XX/XXXX, with reasons such as serious delinquency, derogatory public record, and recent collection. Yet my XX/XX/XXXX Equifax report and XXXX XXXX reflect a score of XXXX, no derogatory accounts, and no collections or public recordsindicating significant and verified credit improvement. 

Despite these improvements, Capital One has continued to issue denials using outdated credit data ( some scores from as early as XX/XX/XXXX ) and has not adjusted its decision-making in response to updated reports. I believe the company may be systematically using stale or misaligned internal scoring models to justify suppressed credit limits and unfavorable terms, potentially in violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 

I have requested reconsideration and clarification from Capital One but have not received an adequate explanation of the continued use of outdated or unsubstantiated data. 

I am seeking a formal review of these practices, correction of any unfair scoring policies, and a re-evaluation of my credit limit increase using current and accurate credit information

Company response to consumer: Closed with explanation