vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I show that I have a past due of {$1.00} on my XXXX XXXX account ending in XXXX. The loan is settled paid IN FULL. They reported it to all 3 credit bureaus as delinquent. It is resolved and never late. The settlement agreement ( which they agreed to {$100.00} a moth. The last payment was {$180.00} which total the agreed settlement amount. I want ALL XXXX credit bureaus to correct this ASAP. This is NOT reported as accurate. Please dispute this with 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 2025-04-07 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:
I show that I have a past due of {$1.00} on my XXXX XXXX account ending in XXXX. The loan is settled paid IN FULL. They reported it to all 3 credit bureaus as delinquent. It is resolved and never late. The settlement agreement ( which they agreed to {$100.00} a moth. The last payment was {$180.00} which total the agreed settlement amount. I want ALL XXXX credit bureaus to correct this ASAP. This is NOT reported as accurate. Please dispute this with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 show that I have a past due of {$1.00} on my XXXX XXXX account ending in XXXX. The loan is settled paid IN FULL. They reported it to all 3 credit bureaus as delinquent. It is resolved and never late. The settlement agreement ( which they agreed to {$100.00} a moth. The last payment was {$180.00} which total the agreed settlement amount. I want ALL XXXX credit bureaus to correct this ASAP. This is NOT reported as accurate. Please dispute this with 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 2025-04-08 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was involved in a minor accident. The vehicle has been undriveable since XX/XX/XXXX due to XXXX parts being on indefinite backorder. XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) confirmed that 8 required parts were unavailable, with no XXXX. As of XX/XX/XXXX, two parts remain missing and the vehicle is still unrepaired. 

I have continued making lease payments and have paid over {$9600.00} total ( down payment, lease charges, and deductible ) for a vehicle I have not had access to for over 2 months. I have not been offered a loaner, a replacement vehicle, reimbursement, or any lease relief from Acura Financial Services. 

I have contacted XXXX XXXX Relations, the dealership, and my insurance company multiple times, but XXXX has not provided any resolution or financial consideration. The lease contract is effectively being enforced despite XXXXXXXX XXXX inability to fulfill their end of the agreement. 

I am aware of similar cases such as CFPB Complaint # XXXX ( filed XXXX ), where customers experienced long-term part delays with no support while lease payments continued. My situation mirrors that pattern. I have attached a full case summary with timeline and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I opened my account with XXXX XXXX XXXX XXXX. I never had a late payment or missed payment, in fact for a long time I paid my balance in full. I am not sure when exactly but Bank of the West became BMO and everything about the quality of their service declined. 
I stayed with the bank regardless. However about a week ago I tried to use my card and it got declined. I checked my account online and saw that I do have an available balance of over {$3000.00} and my account was current so I couldnt understand why I was declined. I thought there was probably something wrong with the credit card machine at that store but I was very embarrassed. Not thinking it was the card that had the issue I tried to use the card again a few days ago and had the same issue. I was extremely embarrassed called BMO to figure out what the issue was. I called them on XX/XX/XXXX, I was on the line waiting for customer service for 40 minutes and they never connected me and it was disconnected after 40 minutes of waiting. Called again today XX/XX/XXXX. Finally got a hold of someone and they told me BMO had closed my account and they dont have to give me a reason. I asked why didnt receive a notice they said they didnt need to notify me.

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 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX. XXXX XXXX sent us a bill of {$2000.00} in XX/XX/XXXX for a procedure performed in XX/XX/XXXX XXXX. This was way over the written estimate provided. We have a copy of the written estimate XXXX. On receiving the bill, we reached out to XXXX XXXX and asked them to review our bill XXXX. They told us multiple times that they were still reviewing our bill and that the review was taking a long time XXXX. In parallel, they also sent us billing reminders XXXX. The Billing department told us to ignore the bills while the review was taking place and that no negative action would be taken. We have this in written as well XXXX. They then sent the bill to collections in XX/XX/XXXX. We again reached out in XX/XX/XXXX and they confirmed that they were escalating the issue and trying to get this fixed for us XXXX. We disputed the debt and sent the written communication with XXXX XXXX XXXX department as proof XXXX. The Debt collection company has responded back saying that based on their client records, the amount is accurate. However, the attached bill is dated XX/XX/XXXX, which is earlier than all the latest communication XXXX. They are not even entertaining the fact that the bill is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX CREDIT BUREAU account is reporting inaccurate and wrongful information in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX agreement with consumer reporting agencies, and established reporting standards. This inaccurate reporting is causing significant harm to my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: PNC Bank N.A.
State: AK

Complaint narrative:
Original vehicle loan through XXXX XXXX PNC Bank acquired XXXX XXXX ( which included XXXX XXXXXXXX ) on XX/XX/year>, completing the conversion of XXXX XXXX customers, employees, and branches to PNC Bank on XX/XX/year>. 

XXXX XXXX, requested by phone a search for my loan/title that was paid off to receive a letter of lien release to acquire my title. Told to fax detailed information regarding the vehicle, including my SS #, phone #, mailing address ... Never received a response. Contacted PNC and spent many hours trying to speak to someone who could help me. Mailed a letter and received a response letter asking me for more information. I did and did not receive a response. Contacted PNC by phone and again spent many hours trying to get information and speak with someone who could help me. I was hung up on many times and put on hold for over an hour and I would say the average time on hold was 40 minutes per phone call. 

It is now XXXX XXXX and still have not been given any assistance from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AR

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 2025-04-08 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-07 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: GA

Complaint narrative:
I am filing a dispute regarding the inaccurate reporting of a bankruptcy on my credit report. The bankruptcy information is either outdated, misclassified, or being reported incorrectly by the credit bureau ( s ).

I have included a detailed dispute letter explaining the specific issue, along with supporting documentation. The reporting of this bankruptcy is causing harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ).

I am requesting that TransUnion and/or the data furnisher conduct a proper investigation and remove the inaccurate bankruptcy information as required by law. There is no bankruptcy being reported on my other credit reports except for TransUnion which is inconsistent reporting and against the law.

Please refer to the attached dispute letter and the letter received directly from the US Bankruptcy Court that supports my request for deletion.

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 2025-04-08 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: CO

Complaint narrative:
The Fair C

redit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance und er 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CO

Complaint narrative:
The Fair C

redit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance und er 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-07 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.

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a fraud claim because my money was used to send to XXXX XXXX. They promised Chase have a XXXX accountability if it was not me but they remove the money from my account a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-08 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: NY

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within XXXXour days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-04-08 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 am filing this complaint due to the presence of an inaccurate address being reported on my credit file by one or more consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
The different credit reports are giving different scores.

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I HAVE BEEN TRYING TO GET ASSISTANCE WITH MY MORTGAGE FOR 2 MONTHS AND KEEP HAVING TO SUBMIT ASSISTANCE REQUESTS AND HAVE NOT BEEN SUCCESSFUL, I HAVE LOST MY JOB AND I DONT WANT TO LOSE MY HOME, PLEASE HELP ME GET ASSISTANCE. ACCOUNT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation