vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am following up on your request, as conveyed by XXXX XXXX via email, to provide a photo of the back of the check. Unfortunately, despite my response via email and phone, I have yet to receive a meaningful update. 

For your reference, I have attached a copy of my letter from XX/XX/XXXX, which outlines the details of this matter. 

I look forward to a timely response and resolution. 


Prior CFPB Claim : XXXX TD Account Number : XXXX Dear Sir/Madam, I am writing to dispute the late payment marks that your company supplied to the 3 national credit bureaus XXXX XXXX XXXX and XXXX I have attached a copy of that page on my XXXX credit report. 
The following is a summary of what transpired : On XX/XX/XXXX - I mailed a payment check dated : XX/XX/XXXX for the amount of {$660.00}. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of cleared Check enclosed. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD bank but to no avail. 

Finally on XX/XX/XXXX TD acknowledged receipt of payment but they only posted it as a payment received on that date. 

Hence, I am herby requesting that TD Bank contact the XXXX national credit bureaus to have them delete or correct the disputed items - within XXXX calendar days. 

Enclosed are : a copy of that page on my XXXX credit report, and a copy of the dated payment check that cleared my bank account- supporting my request. ( Front and back of check ) For any further clarification, I can be reached at my address and/or phone number listed on top of this letter. 

Respectfully, XXXX XXXX XXXX TD Acount number XXXX Email address : XXXX Please note that a very similar mishap happened at the end of XXXX, and TD successfully removed the resulting late payment marks from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Self Financial Inc.
State: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date of purchaseXXXX/2023 Amount {$3000.00} Dispute denied because exceeded dispute time frame but service purchased never received.

Merchant disappeared and service never received.

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 2025-03-25 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: SC

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 non-monetary relief
Consumer complaint received 2025-03-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX updated XX/XX/XXXX. Request for validation and accuracy from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CL Holdings LLC
State: TX

Complaint narrative:
Dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX updated XX/XX/XXXX. Request for validation and accuracy from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
i have contacted Equifax numerous times about two fraudulent accounts that are on my credit report via mail and by phone call, phone calls have been dropped on me over 30 times and ive been placed on hold with no agents ever coming back to the line, on XX/XX/XXXX i filed and ftc report and sent the document to Equifax disputing the accounts they never responded or provided information on disputes when i called they said my ftc report was not valid because it was not numbered by page, i advised them several times ftc reports are not number by page instead its just one page they declined to help and advised i contact the ftc, i contacted ftc and they confirmed that ftc reports are not numbered by page also and advised me to contact the cfpb.the accounts at hand are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. my ftc report number is XXXX equifax agents did nothing to help me rather have me keep doing the same things over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have contacted XXXX numerous times about two fraudulent accounts that are on my credit report via mail and by phone call, phone calls have been dropped on me over 30 times and ive been placed on hold with no agents ever coming back to the line, on XX/XX/XXXX i filed and ftc report and sent the document to XXXX disputing the accounts they never responded or provided information on disputes when i called they said my ftc report was not valid because it was not numbered by page, i advised them several times ftc reports are not number by page instead its just one page they declined to help and advised i contact the ftc, i contacted ftc and they confirmed that ftc reports are not numbered by page also and advised me to contact the cfpb.the accounts at hand are XXXX XXXX XXXX XXXX XXXX and truist XXXX. my ftc report number is XXXX XXXX agents did nothing to help me rather have me keep doing the same things over and over.

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 2025-03-25 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: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX Nelnet Attn : Claims Loan Discharge or Forgiveness Claims XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear Nelnet, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX XXXX XXXX " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 
Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I refinanced my home at XXXX XXXX XXXX, XXXX XXXX GA XXXX on XXXX/XXXX/2006. The lender was XXXX XXXX XXXX ( I believe was acquired by XXXX XXXX, now One Main Financial ) and servicer was XXXX XXXX XXXX ( now dissolved ). I used XXXX ( now XXXX XXXX as the new lender ). The loan number with XXXX XXXX XXXX was XXXX. I recently learned that there is an open lien on my home showing that the lien release was never filed by XXXX XXXX XXXX. I have been working with XXXX XXXX to try and get any type of documentation showing that they paid XXXX XXXX and/or XXXX XXXX XXXX The attached documentation is all that they are able to find ( I have asked for proof that they sent the funds but they can't seem to locate anything ). XXXX XXXX should have filed a lien release but they apparently didn't. I need help getting proof that my loan/refinance in 2006 was paid and a lien release recorded and filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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, XXXX XXXX XXXXXXXX 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 2025-03-25 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, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
Started a loan with goodleap ( account XXXX ) but was not given a way to make payments for 2 months. Requested a pay off amount by email several times with no response. After calling was informed that even though I was given no way to make payments towards my loan, they had still added interest daily even though they gave me no way to pay it off which amounted to {$400.00} of forced interest. This shouldnt be allowed to block payments but still charge interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
Dear Credit Agency, I am writing to formally dispute the reporting of a late payment on my credit report associated with the account listed below. As a consumer, I have the right to ensure that all information reported about me is accurate, fair, and compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
Account Details : Creditor Name : [ XXXX ] Account Type : Charge Card Date Opened : XX/XX/XXXX Highest Balance : {$110.00} Status : Paid, Closed as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX Based on my records, I believe the late payment reporting for XX/XX/XXXX is inaccurate. According to the FCRA ( 15 U.S.C. 1681 ), furnishers and credit bureaus must ensure the maximum possible accuracy of information reported. Additionally, under Metro 2 compliance standards, any reported delinquencies must accurately reflect the account 's true payment history. 
I kindly request a thorough investigation of this matter and the removal or correction of the inaccurate late payment from my credit report. Enclosed are copies of relevant documents supporting my dispute, including my payment records. 
Please notify me of the results of your investigation in writing at your earliest convenience. Should additional information be needed, feel free to contact me directly. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-03-25 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:
The accounts on my report are incorrect and do not belong to me. Please remove these 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 2025-03-25 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a XXXX XXXX  XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the XXXX a lot and not able to XXXX well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OH

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SmartCredit LLC
State: NC

Complaint narrative:
This business claimed that they will fix my credit and they took my money and I have not seen any change of my credit regarding this company

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/2024 XXXX XXXX XXXX XXXXXX/XX/XXXX2024 XXXX  - XXXX/XXXX/2024

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 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
During the COVID-19 pandemic, I contacted Capital One multiple times requesting an extension on my payments due to financial hardship. Despite my efforts to communicate and find a solution, Capital One closed my account, leaving me with no way to keep it in good standing. 
Once I secured stable employment, I paid off the full remaining balance, expecting this to reflect positively on my credit report. However, the closed account continues to negatively impact my score. Given the extraordinary circumstances of COVID-19, I believe this action was unfair, and the continued reporting of this closed account is unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}

Company response to consumer: Closed with explanation