vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Motgage filed forclosure on my property that I inherited from my deceased parents after I became delinquent after the estate of my father closed and I was seeking help from XXXX XXXX XXXX XXXX XXXX during the pandemic. I was not able to communicate with them until the estate of my father was closed and i negotiated with the estate to pay up the payments of this home XXXX XXXX XXXX with the sale of another home in the estate. The Bank 5/3 was not at all helpful in attaining the information I needed to be astonished as owner since I was not on the mortgage but became the title owner and needed this to start the credit counseling for XXXX XXXX XXXX after much difficulty and now facing forclosure I began seeking a legal aide attorney, whom took my case and I filled out a loss mitigation application and signed documents for obtaining the help of XXXX XXXX XXXX and was approved so the attorney took over with instructions that he was paying the forclosure and I was waiting for a deal/offer from 5/3 bank for a modification that I could afford, the XXXX XXXX XXXX program also paid 6 month payments in advance and I was waiting for an offer that never came and the attorney closed my case and no longer worked at legal aide. After the 6 mo were up I contacted the bank after no answer from the attorney only to find that my loss mitigation application was never processed. I felt devastated after contacting legal aide and the new attorney designed me representation in the new forclosure case stating I didn't have a leg to stand on. I have had to represent myself in court and I feel this is a case of dual tracking and very simaler to the XXXX XXXX XXXX  but when using this as my defence it was disregarded and I am now going to court today for the sale date of my home and need help I have ask and reached out for help in every way I know. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-15 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: OH

Complaint narrative:
I recently disputed the inaccuracy of the reporting from Transunion and XXXX XXXX. Today I received notice that my did was resolved, however upon viewing the changes I noticed I was penalized by XXXX XXXX for lowering my debt to income ratio as well as lowering my credit utilization from 50 % to 12 %. The investigation was not completed with accurate detail and Transunion still doesnt reflect the proper credit score which should reflect as 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Returned Checks and Overdraft Protection - Account XXXX Dear Bank of America Customer Service , This letter serves as a formal complaint regarding the handling checks drawn on my account, number [ Your Account Number ]. I was Bank of America recently notified several of my checks were returned due to non-sufficient funds ( NSF ). This notification is concerning and contradictory given that my account has an active overdraft protection service in place. 

I have received overdraft notices on three separate occasions, indicating that the bank recognized a potential for insufficient funds but seemingly failed to utilize the active overdraft protection to cover these transactions. This raises several questions and concerns : Why were my checks returned NSF when I have active overdraft protection on my account? The purpose of overdraft protection is to ensure that transactions are covered even when the available balance is insufficient, up to the established limit. 
Why were overdraft notices issued if the overdraft protection was not being utilized? The issuance of these notices suggests that the bank was aware of the potential overdraft situation. 
What specific reasons prevented the overdraft protection from being applied to these transactions? I request a detailed explanation of why the overdraft protection did not function as intended in these instances. 
The return of these checks due to NSF has potentially caused inconvenience, fees from payees, and damage to my financial standing. I relied on the understanding that my active overdraft protection would prevent such occurrences. 

I request a thorough investigation into this matter. I expect a clear explanation for the discrepancies outlined above and a resolution that includes : A reversal of any NSF fees charged as a result of these returned checks. 
Clarification on how my overdraft protection works and why it was not applied in these specific situations. 

Assurance that this issue will be rectified to prevent future occurrences. 
Please provide a written response to this complaint within 10 business days outlining the findings of your investigation and the steps taken to resolve this issue. You can reach me at XXXX Thank you for your prompt attention to this serious matter.

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 monetary relief
Consumer complaint received 2025-04-15 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Hello, I'm reaching out again because Im beyond frustrated with the ongoing reporting of an unauthorized item on my credit report. This account has already been deleted by both Experian and Equifax after I disputed it and proved it was inaccurateyet it still shows up, continuing to damage my credit. I never gave permission for this information to be reported, and its a violation of my privacy and a serious misrepresentation of my character. Because of this, my credit applications are being denied, and the stress from trying to fix this over and over is seriously affecting my well-being.

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made a mortgage payment on XX/XX/year> and requested that an additional {$250.00} be applied to the principal of loan. 

PNC took my money the next business day and applied the funds to an account called unapplied funds. 

On XX/XX/year> I emailed the following, " Please allow this email to serve as written request for information related to the service of my loan in accordance with CFPB guideline XXXX. 

Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I attempted to gather this information via telephone and was denied. 

Regarding eliminating my PMI. 

Please provide the following information. 

Maturity date of when the loan will reach 78 % XXXX to automatically eliminate PMI. 

When was the last time I was marked as 60 days late? When was the last time I was marked as 30 days late in relation to payments. 

Additionally, during my XXXX payment, I attempted to make a {$250.00} payment towards my principal and instructed the agent on the phone to mark the funds as such. I received a statement that my principal payment is sitting in the category unapplied payments. This is unacceptable, you are charging me more interest than I should be being charged. Please review the records if needed. 

I eagerly await your response. '' On XX/XX/XXXX, PNC called in response to my email and refused to provide the information requested. 

On XX/XX/year>, I again made a mortgage payment and requested that an additional {$230.00} be applied to the principal of the loan. During this phone call, I repeated that the funds were to be applied to the principal of the loan, as it was not done during XXXX. 

PNC took my money the next business day and applied the funds to an account called unapplied funds. 

The loan is current and not past due. 

I emailed executives from PNC requesting resolution on XX/XX/year> and XX/XX/year>. 

On XX/XX/year>, PNC finally applied the funds as requested. However the refuse to provide a receipt. 

Additionally and most importantly, they collected ( stole ) interest from me from XXXX XX/XX/year>, which they have refused to backdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I noticed I had a past due credit card from Bank of America on XX/XX/year>. However Bank of America never notified me of the payment due date prior to the due date. 

Second there is no option for autopay. Billpay is not autopay. Autopay is not scheduled payment. It is a set of computer driven instructions to pay the account on its due date as long as the balance is greater is than 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 monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-04-15 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 HAVE BEEN AFFECTED BY XXXX XXXX XXXX  BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
hello I was suspended from XXXX and Ive called the company about 40 times to ask exactly why my account was suspended and I was not provided any information of why my account was suspended and theyre holding my funds for 180 days which is so unfair because Im asking can I transfer my money to my bank account I dont care about my account being suspended. I literally just wan na transfer my money. Thats all Im asking them and they wont provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-04-15 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: IL

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
Got email from XXXX credit alert on XXXX that new credit card was account added to my XXXX credit file. Reviewed credit report. Saw a chime/XXXX XXXX secured card on my file. Contacted chime and XXXX  to dispute. Filing report so I may extend my fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CA violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-15 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: CA

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 2025-04-15 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: CA

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 2025-04-15 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: FL

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation