vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I have a complaint regarding Standard Mortgage Corporation and how they are reporting payments received. 

Standard Mortgage Corporation is reporting XX/XX/year> Mortgage payment as 30 days late in error. XXXX was paid on the XXXX. Originally XX/XX/year> Mortgage payment was reported late. This was disputed and updated in my favor only to have the late payment move to XXXX unexpectedly. I have tried multiple times to get XXXX to remove the late payment, but they indicate that it has been verified as accurate and my repeated attempts are frivolous. 

Standard Mortgage Corporation has admitted that XXXX was not reported as late to the credit agencies but stands firm that it is XXXX that is now showing in XXXX. My concern with this is that XXXX already showed as late and was removed because it was also an error. 

Although both XXXX and XXXX were paid late, neither were paid late enough to be reported to the agencies. SMC states that XXXX was received after the close of business this is a false statement. XXXX Mortgage payment was received at XXXX p.m. on XX/XX/XXXX and their business hours are XXXX XXXX p.m. Monday Friday. They also state that for a payment to be posted to the account on the same day, it must be received before XXXX p.m. This is also a false statement. Prior to XX/XX/year> payments were posted/credited on the same day scheduled. After XX/XX/year> they are not posted/credited to my account until they have cleared my bank account. 

Proof in point, XXXX was paid on the XXXX at XXXX a.m. and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXX p.m. and I did not receive credit for payment until XX/XX/XXXX. XXXX was paid on the XXXX at XXXX a.m. and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXX a.m. and I did not receive credit for payment until the XXXX. The Consumer Financial Protection Bureau states that payments are to be credited to the consumers account on the date of receipt not when the funds are deposited into the creditors account. Additionally, the CFPB allows for reasonable cut-off times, but it states that cut-off times shall not be before XXXX p.m. So, the statement made by SMC regarding received after close of business is a FALSE statement. I repeat their business hours are XXXX p.m. Monday XXXXFriday and the payment in question was made at XXXX p.m. on XX/XX/XXXX. This is before their close of business and before the XXXX p.m. time allowed by the CFPB. 

Multiple payments have been posted incorrectly. Thankfully only XXXX and XXXX have posed a problem. This is unfair credit reporting and needs to be addressed and removed from my XXXX credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/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 2025-02-11 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:
My husband and I have received inquiries on our credit report that are daily for XXXX XXXX and XXXX. There are concerns of identity theft and we are receiving id monitoring we did not request from XXXX  and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TN

Complaint narrative:
So this morning on XX/XX/year> my credit score dropped on experian because I reported and filed a claim on cfpb my score went from XXXX XX/XX/year> score changed to XXXX score to now within days of filing a complaint my score has dropped to XXXX again XXXX points within days of filling a complaint this is retaliation from XXXX XXXX  and experian from this company experian credit it was changed without any reason given on why or via call or letters of notification and there is no new credit or collections or enquires filed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: MS

Complaint narrative:
I made my modification payment to SN Servicing on XX/XX/year> and as of todays date the payment never was processed to my bank so I called on XX/XX/year> trying to find out why the money was not taken out of my account they advised that my payment was returned but as of todays date my bank has no record of this transaction being a returned/payment SN Servicing advised they would not process it again so I immediately put another payment in the system I kept checking and I called today XX/XX/year> to check on the payment and that new payment was deleted by SN Servicing and the money is still sitting in my account from XX/XX/year> I tried to access my account and they have now blocked me from any access to my account I also emailed my rep immediately when they claimed that the payment was returned when it actually never went through my bank system this was an error now I can not make any payments and they advised that I defaulted on my modification payment when in actuality it is a complete error on their part and not mine they also advised they wrote me of this but as of todays date I do not have any letter from them regarding a default payment all of this is an error on their part and not mine I did not default on my payment they have flagged my account in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Address - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX  XXXX  XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX  XXXX  XXXX  - IncorrectPersonal XXXX XXXX XXXX  XXXX XXXX XXXX IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
After filing a report with the CFPB on XX/XX/XXXX. XXXX XXXX placed negative information on my credit dropping my XXXX XXXX XXXX points on XXXX. And caused a decline on my XXXX credit report as well. I have not applied for any new credit accounts in over 6 months. I am only forced to report that the recent drop on my XXXX XXXX is out of retailation for filing a report against the company to the CFPB. After applying back in XXXX of XXXX, and receiving that loan without incident. Navy Federal Credit Union maintained that account in active status and fully utilized the benefits of my signature on the Promissary Note with the Federal Reserve. And fully utilizing each new application after XX/XX/XXXX. I was denied credit approximately XXXX times for credit. Credit that would not exist without my electronic signature. Credit that according to 15 USC 1691, I can not be denied or discriminated against for any reason. But I have, and retailiated against for reporting to your agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I make my car payments using my account and routing numbers for the past 3 years. Recently on XXXX  an amount of XXXX $ was bounced back from my account. I made a payment using a different account number and routing to avoid any late fees on my account. I thought this problem have been resolved when I called it in and spoke to a customer representative of Santander consumer bank. Today XXXX  i tried making a payment, I spoke with a representative and a supervisor who informed me that I would have to make at least XXXX debt card payments from them to unblock my account which is a fee of XXXX $ each transaction. I wasnt aware of this policy until now that I am having this issue, I wasnt giving any warnings or notifications regarding this policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mi, XXXX XXXX XXXX XX/XX/year> Ally financial XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information on My Credit Report under 15 U.S.C. 1681 Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and request a thorough investigation into the accuracy of the information listed. 

I have reviewed my credit report, and I believe the following entry is inaccurate : Account Name/ Creditor : ally financial Account Number : XXXX Disputed Information : Tried to dispute through XXXX came back a couple days later. XXXX is now being litigated for false investigations. 

I request that you investigate this matter in accordance with the provisions of the Fair Credit Reporting Act. Please verify the information and provide me with the results of your investigation as required by law. I ask that you correct or remove any inaccurate information that can not be verified. 

As provided under 15 U.S.C. 1681i, please complete the investigation within XXXX  days of receiving this letter. In addition, please provide me with a free updated copy of my credit report reflecting any changes made.

If you require any additional information from me to complete the investigation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this dispute has been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had a Capital One 360 account for over a decade ( beyond XXXX ), I had the original Capital One 360 Savings account for the high-interest rates. When checking the account balance in XXXX, I noticed that suddenly my original account ( Savings 360 ) was no longer the high interest rate savings account and it was now the Performance 360 ; so in XX/XX/XXXX I opened and transferred the funds to the new " 360 Performance Savings. '' I saw the news about the Capital One 360 lawsuit and began looking at the interest amounts that were supposedly being deposited in my account. The deposited interest does not match the advertised interest rate. I don't think the appropriate interest amount was ever being applied ( since the original Savings 360 account was opened over a decade ago ). Example, in XX/XX/XXXX my balance was {$10000.00} and the monthly interest deposited was only {$30.00} ; recently on XX/XX/XXXX my balance was {$21000.00} and the interest deposited for XX/XX/XXXX was only {$69.00}. I have reviewed only a few examples throughout the years and I did not receive the appropriate advertised interest amounts for the balance in my 360 accounts. I had to switch when I saw that the original account was suddenly ( and without notice ) was no longer the high interest savings account and the interest I have been receiving is lower than the advertised high-yield percentage ( s ). The interest that was advertised was frequently over XXXX XXXX  APY and now ( as of XX/XX/XXXX ) it's XXXX XXXX APY, however the total interest I received for XXXX amounted to around XXXX XXXX APY and the XXXX was advertised as XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I am writing to formally dispute experian for incorrect credit reporting, failure to follow proper procedures, and failure to provide evidence of alleged debt. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o 15 USC 1692 ( e ) and 15 USC 1692 ( f ), entities that fail to comply with FCRA regulations due to negligence are subject to civil liability.

Due to these violations, I have suffered damages, including but not limited to : Financial Harm : Denial of credit or loans, higher interest rates, loss of job opportunities, and inability to rent a home. 

Emotional Harm : Stress, anxiety, damage to personal reputation, and emotional distress from time-consuming dispute resolution. 

Other Harm : Legal fees, disruptions to financial planning, and additional costs incurred in disputing incorrect information. 
As a result, I am requesting the following corrective actions : [ correction of credit reports, monetary compensation, removal of negative items, etc. ] Under the provisions of 15 U.S. Code 1681o, I am entitled to actual damages sustained as a result of this negligence, as well as attorney fees if applicable. Please address this matter immediately and provide a written response within [ reasonable timeframe, e.g., XXXX  days ] from the date of this letter.

Failure to comply may result in legal action to enforce my rights under federal law. 
Please send all correspondence regarding this matter to my address listed above. I appreciate your prompt attention to this issue and expect a timely resolution. 
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 2025-02-11 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: TX

Complaint narrative:
I am writing to dispute information on my credit report that's inaccurate formally This is causing difficulties in my ability to purchase a home by limiting my ability to receive a home loan, I am aware of my rights under the Fair Credit Reporting Act, and I request a through investigation of the information as required by law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian stating the false and incomplete investigations and wrongly reinserting false information and other unlawful practices as outlined by CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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