vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: AK

Complaint narrative:
Loan started XXXX XXXX on XX/XX/XXXX approximately, then transferred to XXXX XXXX XXXXXXXX of XXXX, then transferred to M & T Bank in XXXX of XXXX. In XXXX of XXXX, we applied for Loss Mitigation because my wife had lost her job and we were having financial hardships. The XXXX was approved with XXXX on XX/XX/XXXX, and accepted fully on XX/XX/XXXX. XXXX XXXX, the XXXX amount was {$1600.00} per month, that would resume XX/XX/XXXX. Thus, not having to pay XXXX of XXXX 's payment. Since that time, the transfer to M & T Bank happened, they have BOTH reported it to the credit bureaus, when I was specifically told this would NOT happen, as I did not want it to affect my credit in any way. With that said, we have had to appeal to all three credit bureaus, taken COUNTLESS hours to deal with M & T bank, and many many hours on hold ; unable to get ANY resolution for payment amount, XXXX  transfer proof, and actual amount due. This is not how a bank that has your mortgage should operate. They know they can change their policies on a whim, and most people don't read the fine print. We just want the credit reporting made right, and someone to tell the truth.

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 2025-03-24 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: Experian Information Solutions Inc.
State: IL

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! 

"

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 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
Dear Sir or Madam, I hope this letter finds you well. I am writing to formally request a " Pay for Delete '' agreement regarding the account listed below, which appears on my credit report. In an effort to resolve this debt and improve my credit report, I am willing to pay the full outstanding balance of {$950.00} in exchange for the removal of this account from my credit report. 

I understand that the typical procedure is for the credit reporting agency to update my account to " paid '' or " settled. '' However, I am requesting that, upon receipt of the agreed payment, this account be deleted entirely from my credit report. I believe that this arrangement will benefit both parties by allowing me to clear the debt and further improve my financial standing. 

Please confirm in writing that you are willing to honor this request before I proceed with any payment. I would appreciate your response within 14 days to ensure that we can reach a mutually beneficial resolution. Should you agree to the terms outlined, I am prepared to send payment immediately. 

Thank you for your prompt attention to this matter. I look forward to your response and to resolving this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I called M & T Bank because they took over the mortgage servicing from XXXXXXXX XXXX with which I originated my loan. My payment had, for XXXX  years, been paid in advance by auto-deduction on the XXXX of each month prior to the XXXX of month due date. They did not draft my payment and I spoke to XXXX, who took a manual payment over the phone on XX/XX/XXXX for my XXXX payment and told me next month it would be drafted on time. On XX/XX/XXXX, I called and spoke to XXXX because my payment had not been drafted on the XX/XX/XXXX to pay my mortgage payment for XXXX. In addition, looking at my loan online I saw previously that the payment taken over the phone was applied as a principal payment, which was incorrect. He told me it was corrected after the fact and the manual payment was applied to XX/XX/XXXX due date. My next due date is showing XX/XX/XXXX and no payment was taken as of XX/XX/XXXX. I was told that the draft for the XX/XX/XXXX payment was not due to come out until XX/XX/XXXX. That is XXXX days later than the due date and incorrect according to the terms agreed to at origination. We have never paid XXXX days in arrears. I asked to speak to a supervisor and talked to XXXX. She said that M & T Bank does not offer advance payment, so my XXXX payment will be drafted XX/XX/XXXX instead of in XXXX, as we had been told. She was unable to explain how suddenly this change would affect the APR or amortization of the loan, including escrows. I am still unsure as to whether the manual payment taken over the phone by XXXX was applied to principal or as my XXXX payment, since the statement does not fully describe whether the payment or the principal payment was reversed. Something does not seem right about this ; therefore, I am requesting the regulators get involved.

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 2025-03-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
Payment balance has been paid off resulting in a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a reasonable investigation into a disputed collection account reported by XXXX XXXX XXXX. 

The account was disputed based on lack of prior notice and validation from the debt collector, as well as inconsistencies in the reporting across bureaus. Despite this, Experian marked the dispute as verified as accurate without any supporting documentation or explanation.

Under FCRA 1681i, Experian is required to investigate consumer disputes with due diligence. In this case, the collector failed to validate the debt, and yet Experian continued reporting the account based on that unverifiable information.

I am requesting that Experian remove this account from my credit report until proper validation is received and a thorough investigation is completed.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OR

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 2025-03-24 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: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing an inaccurate item on my credit report. The item in question is a repossession listed under NCB MANAGEMENT SERVICES, with an account numberXXXX, reported as repossessed on XX/XX/year>. This repossession does not belong to me. I have never owned or financed the vehicle associated with this account, and I believe this is a case of mistaken identity or error. 

I request that you investigate this entry and remove it from my credit report, as it is inaccurate and does not pertain to my financial history. Please provide me with the results of your investigation, including a corrected copy of my credit report, within the 30-day timeframe mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I believe mortgage/auto rate inquiries, aka ; hard inquiries within 10 days are to be counted as a single one. My credit report shows & counts each as a separate inquiry, as shown below... 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This diminishes an aspect of 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 2025-03-24 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-24 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: TX

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 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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I just had the worst experience ever with their customer service. This was my first time using the travel reward miles after having the XXXX card for several years. Their Capital One XXXX website listed the amount I owed for the hotel I booked as {$36.00} and charged me {$130.00}. I spent 1 hour and 44 minutes on the phone with them just trying to find out why I was overcharged and to get a refund. I was transferred 5 times. The first rep said he couldn't do anything about it. I asked for a supervisor who escalated the concern and checked with their IT department to finally admit that they charged me inaccurately due to a miscalculation in taxes by the system : {$94.00} more than I authorized. Then they said they'd issue me a refund, but said the refund would be in miles and when converted back to dollar amounts it would be less money. WHAT??? I will admit that the supervisor who explained to me how this would work was hard to understand XXXX XXXX was her name ), but I couldn't understand how they overcharged me and then won't give me the full refund. However, the worst part was when XXXX transferred me again ( the third time ) to the credit card side and the rep was SO RUDE it was absurd. She was the only one who did not give me her name ( or if she did I didn't catch it, but I got all the other rep names ). I was being polite -- I expressed frustration ( but was not rude ) when she said that she was going to transfer me back to the travel rep for them to explain why I was getting the refund in miles and not a dollar amount. I said to her that I'd been on the phone for over an hour and didn't want to be transferred again, and she interrupted me and said " Ma'am, this is the credit card department, not the trouble department ''. WOW. I asked for her supervisor and she put me on hold for 12 minutes, did not do what the other reps did, which was come back on the line and explain that another rep from the other department was going to take over and then connect me, she just automatically transferred me, but not to a supervisor but back to the travel department. I'm cancelling this card immediately after this fiasco is resolved, and despite all the frustration and amount of time it took to get anywhere, they're losing a customer because of that rep who did not give me her name. I'm disgusted with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$5100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$71000.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX  - Balance : {$83000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$5100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$71000.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX  - Balance : {$83000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-24 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 recently review a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation