vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to formally dispute an inaccurate credit reporting issue that has caused significant financial harm. On XX/XX/2025, the student loan servicer, XXXX, incorrectly reported a student loanon which I am a co-signeras late. While XXXX has since retracted this erroneous report, the damage to my creditworthiness had already been done. As a result, another creditor took adverse action against me, requiring me to pay all my balances in full, leading to financial losses of up to {$50000.00}. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), both the credit bureau and XXXX hold liability for reporting inaccurate information and the resulting damages. Specifically : UCC 1-203 Obligation of Good Faith : Creditors and reporting agencies are required to act in good faith when handling financial obligations and reporting. 
UCC 9-625 Remedies for Secured Transactions : If an entity causes damages due to improper reporting or enforcement, the affected party is entitled to compensation.

15 U.S. Code 1681e ( b ) ( FCRA ) Reporting agencies must maintain maximum possible accuracy in consumer reports.

15 U.S. Code 1681s-2 ( FCRA ) Furnishers of credit information ( such as XXXX ) are responsible for ensuring the accuracy and integrity of reported data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Customer XXXX  XXXX First Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX a Preferential Bank Account client , with a XXXX XXXX XXXX ( Account number : XXXX XXXX XXXX XXXX ). My cell phone number is XXXX, and my postal address is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have not received my First Bank XXXX XXXX ( Account number : XXXX XXXX XXXX XXXX ) statements since XX/XX/XXXX. Since I seldom use it, I was not aware of it until the XXXX of XX/XX/XXXX, when a First Bank representative called me to notify me that I had a one month past due {$110.00} minimum payment. Since I always pay on time, I was surprised to receive this notification. Therefore, the same day, I went to the XXXX XXXX XXXX First Bank Branch to investigate the situation. 

During my personal visit to the bank, I paid the whole XXXX XXXX XXXX : {$6200.00}. In addition, I paid the interests ( {$110.00} ), and late payment ( {$35.00} ) charges associated with it : {$150.00}. During her investigation, the First Bank official found that the bank had an error in my address, which was fixed while I was there. I requested the last 4 months statements ( from XX/XX/XXXX to XX/XX/XXXX ), and this were e-mailed to me, and I received them that same day. However, the bank still owes me the credit card statements from XX/XX/XXXX to XX/XX/XXXX. 

Since I never received the XXXX XXXX statements, First Bank did not comply with popper billing practice. Therefore, I am requesting that this late payment be erased from my credit card history and be notified to the Credit Bureaus as such. Although, First Bank had an address error, which accounts for its failure to adequately bill me, they were able to bill me properly since I opened the account until XX/XX/XXXX. In addition, the company never called me to notify the XXXX missed payment, until it became delayed by more than a month. Moreover, as soon as I was notified, I immediately paid the complete balance due, thus showing diligence and responsibility. Therefore, since I never called or visit the bank to request an address change, First Bank is responsible for the address mistake that gave rise to this missed payment. Hence, my request is more than justified. 
As I clearly explained, First Bank is accountable for the missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 2 capital 1 credit cards never been late on any payments at all had them close to a year each, the other day I went to use and it said that my accounts were suspended, so I called them they told me there was suspicious activity on these accounts and they closed them, I was not notified by them at all and they closed both cards, they never called, texted or emailed or no type of any alert which capital one says they always make sure they prioritize there customers, this is totally unprofessional they are responsible fir any mo ey owed on these cards they did not protect me at all as a consumer period they are liable and need to remove both cards from my credit report I used these cards to build credit and I make payments on time if there was fraud it is there fault that they let it happen without reaching out they have a choice to reissue both cards and I'll continue to make my payments as normal but if they do not want to reissue cards this is their negligence and they will be accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: FL

Complaint narrative:
This creditor has violated my rights under 15 US C XXXX section 602. States I have the right to privacy 15 US C XXXX section 604 A section 2 it also states a consumer reporting agency can not furnish an account without written instructions under XXXX XXXX XXXX accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-02-26 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:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i've marked as inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX  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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I called and tried sending a email on XX/XX/XXXX with no return response. Im asking why they have reported my account as closed when I am still making on time payments every month and this has affected my credit score significantly and if they have gone out of business the customer should not be the one to be punished. I need that removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The company Capital One sent me an email saying to give them a call about suspected fraud on one of my accounts.

I am a XXXX XXXX and I XXXX XXXX XXXX XXXX XXXX here and there for my friends to use as needed. 
A customer whose contact info was given from a classmate looking for secret shopper assignments to make extra money on the side from school. The person I was in contact with turned out to be a scammer gave me a bad cashiers check unknown to me. From my knowledge cashier checks were guaranteed funds so I didnt see any issue with the check. My bank didnt deposit the check and asked me to explain the check. 
I did and Ive never had this issue before in the accounts Ive had with them for years. 
The representative asked me for the contact info for the person I got the check from and I gave it. She said there was nothing she could do because the number wasnt coming back verified to the name on the check. Thats all the info I had and I gave it to them and the representative stated there was no time frame for when I would get my funds from my primary account which was a completely different account. She said they decided to cancel all my accounts and there was nothing I could do. Ive been banking with Capital one for years and even have my auto loan through them. My paycheck and federal and state refunds in this account and I just want my money mailed to me but the bank is dragging their foot and offering no help or answers when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
this account is fraudulent and this is my 3rd complaint. in never signed for a car and i wasn't employed when this account was opened XX/XX/year>2021. this is a scammed and the dealership is at fault. i have no knowledge of this account i am a XXXX XXXX  and im being taking advantage of because im alone .I 've been XXXX for 10 years. i haven't worked. Please help me

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 2025-02-26 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant 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 non-monetary relief
Consumer complaint received 2025-02-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
on XX/XX/2023 an account was opened fraudulently by XXXX on my report it says Portfolio Recovery Associate with a balance of XXXX i have no knowledge of this account. i am a senior citizen this is a scammed account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank N.A. demands payment for my XXXX charges on an account I didnt open or XXXX told them this repeatedly. Now, XXXX XXXX XXXX XXXX has the debt and wont stop their relentless calls.

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 2025-02-26 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: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
Please see the attached full explanation letter. Essentially, I was trying to make my mortgage and HELOC payments on the last day of the month they were due in. All funds were fully available in my bank account but the bank 's app wouldn't accept the payments and I was therefore reported to the credit bureaus for a XXXX late payment.

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 2025-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Complaint Title : Escrow Mismanagement and Unjust Charges for Non-Existent Township Taxes Issue Summary : I am a homeowner with a mortgage serviced by Selene Finance. In their recent escrow analysis, they included a charge for township taxes, which do not exist in Texas. Despite requesting clarification, Selene Finance has failed to provide legitimate documentation to support this charge. 

Additionally, I have already made a significant payment to cover all missed escrow payments, including property taxes, insurance, and other fees. However, Selene Finance has now informed me of a large escrow shortage, which I believe is the result of their mismanagement or error. They are incorrectly claiming that I owe township taxes when Texas does not have such a tax. 

This has caused confusion, stress, and unnecessary financial strain. I have attempted to resolve this issue directly with Selene Finance, but they have not provided any satisfactory explanation or resolution. 

Details of the Problem : XXXX. Escrow Shortage An analysis performed by Selene Finance indicated an escrow shortage of {$7900.00}. However, I made a large lump sum payment that included property taxes and insurance to cover any previous missed payments, which should have resolved the escrow shortage. 
XXXX. XXXX XXXX  Selene Finance claims that I owe township taxes, but Texas does not have township taxes. I have repeatedly requested clarification, but they have failed to provide documentation or proof of this charge. 
XXXX. Lack of Transparency and Response Despite my requests for further explanation, Selene Finance has not provided sufficient details regarding the origin of these taxes or corrected the error. 
XXXX. Previous Negligence in Mortgage Insurance Payments In addition to the escrow issue, Selene Finance failed to pay my mortgage insurance in a timely manner, which led to the cancellation of my policy. After several calls, I was able to resolve this, but it took significant effort on my part.

Company response to consumer: Closed with explanation