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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX XXXX, or TransUnion ) credit report, and I noticed some late payments on my credit report : Account Name : XXXXXXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Subject : Mortgage Recast Delay - Newrez Stalling Process We are trying to put a principal payment toward our mortgage with Newrez to perform a recast, using funds from the sale of our previous home. We requested the recast forms over a month ago, but Newrez has failed to provide them, and the process appears stalled internally. 

Weve sent multiple emails, used their chat system, and called numerous times. Representatives say the issue is being escalated, but later calls show no record of those actions. We're concerned that they are intentionally stalling and may delay things until we are no longer eligible. 

To be clear : we have not yet made the lump-sum payment because Newrez has not provided the required documentation. We are trying to follow the correct process, but they are preventing us from moving forward. We need the CFPBs help to get a response and move this recast forward without further delay.

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

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal 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: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
The company, was harassing me by being aggressive over the phone and calling my place of employment. I asked them to stop contacting me and they didnt. They tried contacting me again and I asked for written proof and never received it. Not they are calling again threatening garnishment. They even left a detailed voicemail giving out my information! My last for digits of my ss and my drivers license number. The debt was even removed from my credit report due to harassment.

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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
b'On XXXX XXXX XXXX XXXX XXXXawfully submitted a negotiable instrument to American Express via certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) to settle the balances of my Hilton Honors and Platinum accounts. I also included a conditional acceptance with clear instructions and a deadline of 10 business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposed.\nI followed up on XXXX XXXX XXXX to all payment addresses for all lines of credit with a Final Notice and a request to Cease and Desist on all fraudulent credit reportings. I also included a conditional acceptance with clear instructions and a deadline of 10 business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposed. These notices were sent Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo the American Express XXXX XXXX XXXX XXXX XXXXequesting copies of documents, confirmations of accounts, copies of the Conditional Acceptances and Final Notices with a deadline of 10 business days for him to respond  in writing with acknowledgment, objections, or refusal to the terms proposed. \nDespite my legal efforts, American Express has failed to respond within the contractual time frame, which, under UCC 3-311 and 3-603, constitutes tacit agreement, accord and satisfaction, and discharge of any further obligations on my part. As per these statutes, your failure to reject the offer in the prescribed time has resulted in the discharge of any remaining debt associated with these accounts.\nFurthermore, the lack of response from your institution has caused me significant emotional distress, financial hardship, and economic loss due to your refusal to acknowledge the settlement and continued collection attempts after the debt was considered resolved under the terms set forth in my negotiable instrument.'

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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I refinanced my auto loan through Upstart in XXXX of XXXX and have been making monthly payments since then. At times, the monthly payments are made after the 14-day grace period which incurs a late fee. I have understood and paid these fees as required whenever this occurs. Yesterday, I received an unexpected email from Upstart stating that my vehicle was " at risk '' due to a missed payment on XX/XX/XXXX. I was confused because I had just made a payment on XXXX and had also made payments on both XXXX and XX/XX/XXXX to bring my account current. I called Upstart to ask for an explanation and was told by the rep that my account was 53 days past due. I assured her that this was incorrect and that the only payment that was missed was for XX/XX/XXXX which is less than 30 days behind. I then looked ay my account dashboard and noticed that it did indeed show that my XX/XX/XXXX payment was not made but I also saw that the payment in the amount of {$340.00} had posted, causing even further confusion. The rep stated that due to an unpaid late only {$320.00} had been applied to the XX/XX/XXXX balance leaving my payment " short '' and now it was reporting as unpaid. I refuted that that makes no sense because I paid the amount that was showing up as " past due '' on the payment screen when I made my payment online. Also, an unpaid late fee should not constitute a missed monthly payment when I actually paid what was due. I pointed out that if there was an unpaid late fee I should have been notified as this was from XXXX and it is almost XXXX. The rep kept reiterating that my account was 54 days past due and mentioned consequences such as repossession and negative credit reporting. I became furious and demanded for the issue to be escalated which the rep did. I also emailed Upstart customer service. I received a response today still accusing me of being 54 days late on payments although the email acknowledged my recent payment on XXXX ( which should have been applied to the XX/XX/XXXX balance ) and also confirmed that my current balance due was only {$370.00}. This balance is from the missed payment on XX/XX/XXXX plus what appears to be an additional {$34.00} in fees, not an additional missed payment from XXXX as accused. I have no problem paying what is owed as soon as possible but I have asked several times to update the past due dates as I am not 54 days past due. This has been repeatedly ignored. Please assist.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All of these accounts shouldn't be listed on my credit report because they were opened without my permission. I encourage you to remove them in order to fix this problem.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am concerned that these inquiries are possible inaccurate, and I did not start them. I ask that they be immediately removed from my credit record and that a thorough investigation be conducted. Please find attached the required supporting documentation for your review.

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: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The CFPB said that my previous complaint is closed because the company responded. IT DID NOT. A woman who identified herself only as " XXXX '' called and left me a voicemail message. I did not answer the call at the time because the number was blocked in Caller ID and my XXXX indicated " possible SPAM. '' She did leave me a number and extension but said " I do not answer incoming calls. '' So it's clear to me that " XXXX '' does not actually wish to resolve this complaint, and her employer CAPITAL ONE not only tolerates this behavior but it seems to be its policy. I did call her back, but she did not return my call for several days. She did call once more when I was in the hospital, so I was unable to pick up the call on that date. I did call back, again, and she has NOT returned my call, nor have I heard from anyone else at CAPITAL ONE. This is outrageous behavior.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This company still has my account want list my account in as included in bankruptcy on my credit file they have it listed as current and some pass due in XXXX, I filed bankruptcy XX/XX/XXXXXXXX XXXX XXXX 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This company still has my account want list my account in as included in bankruptcy on my credit file they have it listed as current and some pass due in XXXX, I filed bankruptcy XX/XX/XXXX and I just XXXX XX/XX/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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This company still has my account want list my account in as included in bankruptcy on my credit file they have it listed as current and some pass due in XXXX, I filed bankruptcy XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief