vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Last XXXX, I applied to get a house as a lease. I was denied due to a rental industry collection that was found on my tenant screening. This was odd to me because I've never had a lease in my name or broken evictions or anything. When I called the number for the denial by Transunion I was informed that the account in question belonged to an old charged off account I had with a credit card company. I informed them that this was incorrect due to the fact that its a credit card and not a rental company and this information was miscoded. They said they were unable to change it because its what the credit card company reported. I contacted the credit card company and they informed me that it was not a mistake on their end but on the credit bureau in questions end. This is stopping me from being able to get a place for myself and my child to live.

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
A fraudulent dispute was filed against me by another participant, and navy federal credit union has now closed an account and is taking funds away from me and is stating there is nothing that can be done and they basically do not need proof that I am indeed the one fraud is being committed against because theyre decision is final XXXX XXXX dollars was taken from me this morning leaving me with {$0.00} to survive off of along with a navy federal representative in the XXXX department being extremely rude.Including the fact I a a customer of over 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX Transaction Date : Tuesday, XX/XX/year> Amount Charged : {$160.00} Missing Items : 19 out of 35 Correct Amount Owed : {$92.00} XXXX Representative : XXXX Refund Confirmed : {$67.00} XXXX Reference Number : XXXX Reason for Dispute : XXXX only provided 19 out of 35 items from my curbside grocery order. I attempted to contact the store four times within the same hour of pickup, but received no answer. I then contacted XXXX support at XXXX and spoke with representative XXXX, who confirmed the issue and a refund of {$67.00}, providing me with a reference number. He stated the refund would be processed within 5 to 10 business days. 

However, on XX/XX/XXXX, I received an email contradicting this, stating the full order was processed and picked up, and suggesting I dispute the charge with my bank. 

I called XXXX again and spoke with another representative, XXXX ( who was later identified as XXXX in the follow-up survey ). He stated that another refund request was submitted, with the refund to be received within 5 to 10 business days from XX/XX/XXXX. However, no reference number was providedonly my order number. 

Due to conflicting information and unfulfilled refund promises, I disputed the charge. The first representative promised a refund within a shorter timeframe, which has now passed, and I no longer trust XXXX process. 

How I Tried to Handle with My Bank : On XX/XX/year>, I contacted U.S. Bank ReliaCard and spoke with XXXX, requesting a dispute for the missing items and partial refund. The bank indicated they could only request the full amount from XXXX, not the partial refund I am owed. I agreed to proceed with the full dispute and explained that the only supporting evidence was my phone call with XXXX representative XXXX, who confirmed the refund of {$92.00} and the following phone call with XXXX Representative XXXX ( XXXX ) promising me the same outcome of refund as well. 

On XX/XX/year>, I received a letter from the bank stating that XXXX had claimed the entire order was fulfilled, and as a result, they would not accept 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 2025-03-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My loan was transferred to Shellpoint. They messed up my payment. They undercharged me one month. Nevertheless, I have always made my payments on time and even paid over the amount I owe. They very well could have taken the amount missed and applied it correctly. I was surprised when I realized I had been charged a fee because of their error! 

I am erroneously being charged a fee for their inadequacy and mistake. This should not be allowed because it is an unfair practice on a client. I should not have to pay a fee for their error.

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 2025-03-18 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an auto loan account ( Account XXXX XXXX ). Upon reviewing my credit report, I noticed several discrepancies that need to be corrected. The details of the disputed information are as follows : 1. Date Opened TransUnion reports XX/XX/XXXX, while Experian states XX/XX/XXXX. This needs to be verified and corrected for consistency. 
2. Balance TransUnion lists {$14000.00}, whereas Experian reports {$14000.00}. The accurate balance should be confirmed. 
3. High Credit There is a significant difference in reported high credit between TransUnion ( {$24000.00} ) and Experian ( {$13000.00} ).

4. Loan Term ( Number of Months ) TransUnion shows 72 months, while Experian incorrectly lists 0 months. 
5. Date Last Active The reported dates are inconsistent : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( Experian ). 
6. Date of Last Payment TransUnion states XX/XX/XXXX, but Experian reports XX/XX/XXXX. 

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] These discrepancies could negatively impact my creditworthiness, and I kindly request an immediate investigation and correction of these errors. Please provide documentation verifying the accurate details or remove any unverifiable information from my credit file. 

I have attached a copy of my identification Please respond to this dispute within the 30-day timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. I look forward to your response confirming the corrections. 

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 2025-03-18 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: NY

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Subject : Request to remove unauthorized credit inquiries. 
Inquiry Made by 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 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 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  To Whom It May Concern , I am writing to dispute the following information in my file. I have recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by the company/companies listed below. To my knowledge, I have not signed any documents authorizing the company to make this many inquiries to my credit report. The listed inquiry was without authorization and is a very serious error in reporting. I am requesting your bureau to initiate an investigation and determine responsible parties in this authorized credit inquiry. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiries, signed on my behalf, so I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it may be removed immediately from my credit file. Please be so kind as to forward me the documentation that you have had the unauthorized inquiry removed. If you find I am in error, please send me proof. Finally, I am requesting an updated copy of my credit report. 

Your immediate attention to this matter is appreciated,

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 2025-03-18 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: GA

Complaint narrative:
I am writing to formally dispute the negative reporting associated with my [ XXXX ] account, which has been inaccurately reported to my credit file. 

XXXX failed to withdraw payments from my card for six months without notifying me of any issues. When I became aware of the account being charged off, I immediately contacted them. A representative agreed to resolve the outstanding balance with a {$50.00} payment and assured me that they would assist in removing the negative marks from my credit report and collection status with the credit bureaus. However, despite fulfilling my obligation and making the agreed-upon payment, the negative reporting remains, and my account is still listed in collections. 

This constitutes a failure to uphold the agreement made by XXXX, and as such, I request the following actions : Immediate removal of the negative payment history and collection status associated with this account from my credit report.

Verification of the inaccurate information under the Fair Credit Reporting Act ( FCRA ), as the reported information is misleading and does not reflect the agreed-upon resolution.

Investigation into XXXX failure to honor their commitment to assist in clearing the negative report upon resolution of the account. 
Please consider this letter a formal dispute under the FCRA. If the negative information is not corrected or removed, I request a written explanation outlining the verification process and proof that the information being reported is accurate. 

I have attached supporting documents, including my payment confirmation and correspondence with XXXX. Please review my dispute and update my credit report accordingly. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the outcome

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 2025-03-18 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: GA

Complaint narrative:
I am writing to formally dispute the negative reporting associated with my [ XXXX ] account, which has been inaccurately reported to my credit file. 

XXXX failed to withdraw payments from my card for six months without notifying me of any issues. When I became aware of the account being charged off, I immediately contacted them. A representative agreed to resolve the outstanding balance with a {$50.00} payment and assured me that they would assist in removing the negative marks from my credit report and collection status with the credit bureaus. However, despite fulfilling my obligation and making the agreed-upon payment, the negative reporting remains, and my account is still listed in collections. 

This constitutes a failure to uphold the agreement made by Kickoff, and as such, I request the following actions : Immediate removal of the negative payment history and collection status associated with this account from my credit report.

Verification of the inaccurate information under the Fair Credit Reporting Act ( FCRA ), as the reported information is misleading and does not reflect the agreed-upon resolution.

Investigation into XXXX failure to honor their commitment to assist in clearing the negative report upon resolution of the account. 
Please consider this letter a formal dispute under the FCRA. If the negative information is not corrected or removed, I request a written explanation outlining the verification process and proof that the information being reported is accurate. 

I have attached supporting documents, including my payment confirmation and correspondence with XXXX. Please review my dispute and update my credit report accordingly. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the outcome

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 2025-03-18 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My information was sold to third-party companies without my consent or knowledge, and penalties and additional interest were added to the balances sold to that third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX Blue Everyday Cash -- policy text on website says " Rewards You'll be able to see Rewards information for an eligible charge within 5 days of the charge posting to your account. Please check back later '' under each item 'statements and activity ' Rewards do not post within 5 days, customer has no way of checking/tracking rewards and Amex has been informed for multiple months that this policy was not being upheld and has not resolved after multiple 'investigations '.

Dashboard remains empty and nothing is published until end of cycle even though text remains. Customers are left in the dark about their rewards and unable to track

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit file. Despite multiple dispute submissions, TransUnion has failed to conduct a proper reinvestigation and has improperly canceled my complaints when the Better Business Bureau ( BBB ) became involved. TransUnions handling of my disputes constitutes a failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). Due to XXXX continued failure to correct these inaccuracies, I have filed a lawsuit to seek legal remedy for these violations. 

Inaccurate Information in My Credit Report TransUnion has inaccurately reported the following accounts and inquiries on my credit report : XXXX XXXX  XX/XX/XXXX Not Mine XXXX XX/XX/XXXX Not Mine XXXX XXXX XXXX XXXXXX/XX/XXXX Not Mine XXXX XX/XX/XXXX Not Mine Furthermore, my credit report contains inaccurate reporting of my XXXX XXXX XXXX  accounts, which were closed at my request in XX/XX/XXXX, yet TransUnion falsely reports them as being closed in XX/XX/XXXX. Additionally, these accounts were part of a settlement agreement in XX/XX/XXXX, in which XXXX XXXX Bank agreed to delete them from my credit report, but TransUnion has refused to reflect this change. 

XXXX XXXX XXXX  XXXX Account closed in XX/XX/XXXX, but TransUnion falsely reports XX/XX/XXXX. 

XXXX XXXX Bank XXXX XXXX in XX/XX/XXXX with agreement to delete, but still reported. 

Despite this overwhelming evidence, TransUnion has failed to remove these inaccuracies and has instead : Canceled my complaints when the BBB got involved, preventing a fair reinvestigation. 

Deleted my disputes rather than investigating them, which is a violation of the FCRA. 

Reclassified my disputes under incorrect categories to avoid properly handling them. 

Due to XXXX continued failure to reinvestigate and correct these inaccuracies, I was left with no choice but to file a lawsuit for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). XXXX reckless disregard for the accuracy of my credit report has caused significant damage to my creditworthiness, financial stability, and ability to obtain credit on fair terms.

Under the FCRA, TransUnion is required to : Conduct a reasonable reinvestigation when a consumer disputes inaccurate information ( 15 U.S.C. 1681i ).

Ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ).

Provide the consumer with the results of the investigation and take corrective action when appropriate.

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