vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-21 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: VA

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Good day to you. 

I am having problems with American Express and a promotion they ran and I am wondering if you can help me. 

Back in XXXX I went on the Delta website to purchase a ticket to NY for my husband. I noticed a promotion from AMEX stating that if I applied for the SKYMILES card and was approved I would get a {$500.00} credit to my account and would not be charged for the first year for the yearly fee. I already had an AMEX Gold card but I figured why not try? Well, I did apply and did receive the card but never did receive the credit. 

I made a partial payment in XXXX so as not to be late. I then started my journey to ask why I didn't receive the credit. I received a CASE number from one of the Customer Service people. I then followed up a month later and was told I didn't need a CASE number but a COMPLAINT number. The new person gave me a COMPLAINT number. I asked them not to report my account late while I was pursuing the credit due. 

Long story short they are denying my claim. AND they reported me late so that my credit score is tanking and two of my creditors slashed my credit lines.

I am attaching diary of what happened. I have also contacted DELTA but haven't heard a word.

I am at a loss. I have reached out to credit lawyers who told me they can't help me. 

I am XXXX years young and am unemployed and on Social Security. I could pay the bill but I believe I am correct. I do have copies of the promotion but AMEX claims that what I signed up for was not THAT promotion. The claim I went to the wrong webstie. Well, I clicked on the promotion as directed. If something went wrong behind the scenes why should I suffer? BTW, they did not charge me the fee as the promotion state. 

I look to you for help and guidance. I do have copies of the letters and responses if you need them. 

Thanking you in advance for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
I sent the first round on XX/XX/year>. 

2nd Round I am writing in response to your recent communication dated XXXX, XXXX XXXX which stated that the repossession information on my credit report has been verified. I respectfully disagree with this verification and and request a more detailed review based on the following concerns : Dispute Summary : Inadequate Documentation : The repossession information provided to you for verification was not supported by any documentation providing that the repossession complied with legal requirements. Specifically, I did not receive proper notice of default or repossession as required under the Fair Debt Collection Practices Act ( FDPCA ) and state repossession laws and Pennsylvania Statutes Title 12 Pa.C.S.A. Commerce and Trade 6254.This notice must be provided to the buyer after the holder has repossessed the vehicle, and it informs the buyer of their right to redeem the vehicle within a 15-day timeframe. Which did not occur and went against state laws thats provided above. 
Procedural Error As previously detailed in my initial dispute letter, there were procedural errors during the repossession process, including ( briefly mentioned specific errors, such as improper timing, lack of required notices, or failure to follow state-specific repossession procedures. ) The credit bureaus verification should have included a review of weather I expect a response to this dispute within ( responsible timeframe 30 days ) as stipulated under consumer protection laws. Please send all correspondence to the address listed above or to my email at ( your email address ) Thank you for your prompt attention to this matter, I look forward to your response and a resolution to the dispute.

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 2025-05-21 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: PA

Complaint narrative:
I sent the first round on XX/XX/year>. 

2nd Round I am writing in response to your recent communication dated XXXX, XXXX XXXX which stated that the repossession information on my credit report has been verified. I respectfully disagree with this verification and and request a more detailed review based on the following concerns : Dispute Summary : Inadequate Documentation : The repossession information provided to you for verification was not supported by any documentation providing that the repossession complied with legal requirements. Specifically, I did not receive proper notice of default or repossession as required under the Fair Debt Collection Practices Act ( FDPCA ) and state repossession laws and Pennsylvania Statutes Title 12 Pa.C.S.A. Commerce and Trade 6254.This notice must be provided to the buyer after the holder has repossessed the vehicle, and it informs the buyer of their right to redeem the vehicle within a 15-day timeframe. Which did not occur and went against state laws thats provided above. 
Procedural Error As previously detailed in my initial dispute letter, there were procedural errors during the repossession process, including ( briefly mentioned specific errors, such as improper timing, lack of required notices, or failure to follow state-specific repossession procedures. ) The credit bureaus verification should have included a review of weather I expect a response to this dispute within ( responsible timeframe 30 days ) as stipulated under consumer protection laws. Please send all correspondence to the address listed above or to my email at ( your email address ) Thank you for your prompt attention to this matter, I look forward to your response and a resolution to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Purchased {$850.00} XXXX XXXX from XXXX on XX/XX/XXXX using my HSA Bank Visa debit card. 

Aligners were supposed to be shipped on XX/XX/XXXX, but as of today, XX/XX/XXXX, they have not been shipped. I've sent numerous emails to the company and called numberous times. I've been promised that they fixed the issue and the aligners shipped, but it's been a lie each time. There has been no movement on the USPS tracking number. 

I called HSA Bank today to dipute the charge but was told that they had a 90-day limit on disputing charges from the date of the transaction. I asked them to reach out to Visa on my behalf as Visa allows up to 120 calendar days from the latest expected delivery date, not the transaction date, under reason Code 13.1 ( Merchandise Not Received ). HSA Bank refused. 

I could not dispute earlier as the aligners weren't agreed to be shipped until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This account was charged off on the following date:XXXXXXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX & XXXX The Account is duplicated as well Account Number XXXX & XXXX are the exact same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
i reviews my credit report and see some thing not correct, i have fraudulent accounts, 1 ) INFORMATIVE open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove hard inquiry on my credit report, thanks

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 2025-05-21 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like XXXX being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-21 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: IN

Complaint narrative:
I have requested an update on my account that they are reporting it was close and written off at {$24000.00} but pass due for {$13000.00}. Looking at my account with XXXX XXXX XXXX back in XX/XX/year> to XX/XX/year> the account was close but for XX/XX/year> XXXX XXXX XXXX No Data but in XXXXXXXX XXXX reopen to be reported late and past due. It's reporting on all three credit bureaus and they all are inaccurate. It's hurting my credit and would like for it to be remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have requested an update on my account that they are reporting it was close and written off at {$24000.00} but pass due for {$13000.00}. Looking at my account with XXXX XXXX XXXX back in XX/XX/year> to XX/XX/year> the account was close but for XX/XX/year>XXXX XXXX XXXX XXXX No Data but in XXXXXXXX XXXX  reopen to be reported late and past due. It's reporting on all three credit bureaus and they all are inaccurate. It's hurting my credit and would like for it to be remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
I have requested an update on my account that they are reporting it was close and written off at {$24000.00} but pass due for {$13000.00}. Looking at my account with XXXX XXXX XXXX back in XX/XX/year> to XX/XX/year> the account was close but for XX/XX/year>XXXX XXXX XXXX XXXX No Data but in XXXXXXXX XXXX reopen to be reported late and past due. It's reporting on all three credit bureaus and they all are inaccurate. It's hurting my credit and would like for it to be remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has a series of names, addresses, phone numbers and accounts that do not belong to me. I reached out to the credit reporting agencies and have not seen a change on my credit reports. I also filed an Identity Theft Report. I have included a copy of my driver 's license and social security card.

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 2025-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, I experienced a financial hardship due to unemployment and was placed on a deferment plan consistent with FHA post-forbearance hardship guidelines. In XX/XX/XXXX, that deferment ended. I am now delinquent on my mortgage by approximately {$29000.00}. 

HUD approved a {$12000.00} partial claim to offset the delinquency, leaving a remaining balance of {$16000.00}. Carrington informed me I could retain my original, affordable loan terms if I paid the full {$16000.00} which I can not afford. Instead, they offered me a loan modification with a 7.25 % interest rate and a new monthly payment of {$2700.00}, which is unaffordable for my household. 

I am a single father and the primary parent of XXXX XXXX XXXX. This is our primary residence. I have made multiple requests for Carrington to : Accept updated hardship documentation Provide a breakdown of the escrow calculation Disclose the XXXX XXXX XXXX rate used to justify the interest rate Provide the Net Present Value ( NPV ) analysis from the review Carrington denied all requests and stated they do not review documentation for FHA borrowers and that all borrowers receive the same modification terms regardless of hardship.

I submitted a formal letter asking for a second-look review and hardship consideration, but Carrington replied that they would not consider any additional options and would not respond to future requests. They gave me a deadline of XXXX to accept the modification offer or face default with no further loss mitigation alternatives. 

I am not refusing to pay. I am seeking a sustainable, affordable option based on FHA guidelines. I have also filed a formal complaint with HUD and am requesting that Carrington be reviewed for compliance with loss mitigation rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I am an XXXX service member in the XXXX XXXX XXXX I served on XXXX XXXX from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. I entered the XXXX XXXX XXXX on XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I again entered onto XXXX XXXX with the XXXX XXXX. My orders do not end until XXXX XX/XX/XXXX and I am serving in a XXXX XXXX status. I remain on XXXX XXXX today. I notified American Express that I was on XXXX XXXX by calling their customer service multiple times and uploading a copy of my XXXX XXXX to their website. I requested that they comply with the Service Members Civil Relief Act and adjust my interest rate to less than 6 % as required by federal law. I checked my account today and noticed that my interest rate is set at 27.24 %. I need for my interest rate to be corrected according to federal law as of the start of my active-duty military service ( XXXX XX/XX/XXXX ) and for my account to be credited the excessive interest charges it accrued since that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief