vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: DE

Complaint narrative:
I applied for the Amtrak Guest Rewards XXXX Mastercard with the advertised promotion of XXXX bonus points after spending {$2000.00} within the first three billing cycles. The company took an unusually long time to mail me the card, and as a result my first billing cycle was nearly over by the time I received said card. 

Despite that shortened period, I tracked my spending and exceeded the requirement, reaching approximately {$2500.00} within the timeframe. I contacted the card issuer multiple times to confirm eligibility, and on several occasions I was told that I had met the spend requirement and that the bonus points would be posted to my account shortly. Despite these assurances, the points were not awarded. 

After several weeks without resolution, I contacted the company again and was told that I had not met the spend requirement and was therefore not eligible for the bonus. This directly contradicts both my records and the information previously provided by their representatives. 

Attempts to resolve the matter by phone have been unsuccessful. The issue is currently escalated internally, but I have not received a resolution. 

This has caused financial and customer harm because the bonus points were a material factor in my decision to apply for and use this credit card. I am requesting that the company honor the promotion and credit the XXXX bonus.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Hello, My vehicle has been financed by TD Auto finance since XX/XX/XXXX, I've never missed a payment. I moved out of XXXX XXXX XXXX XXXXXXXX and by end of XXXX had placed a vehicle registration form with XXXX XXXX XXXX XXXX XXXX XXXX  This process initiated a paper title request from TD Finance. I called regularly the first few weeks to follow up on the status. One call I was told it was mailed out of TD Finance Colorado office enroute to another TD Finance office on XX/XX/XXXX. And the whole process should take 6 to 8 weeks. It has been more than XXXX weeks now. I started calling again last week to request for another duplicate and again it falls into a black hole. The call today the operator hang up on me after I calmly and politely stated I've been waiting for 9 weeks for my paper title. 

This is a reflection of a deeply broken and unaudited process that invites easy access to fraud. Please look into this matter at once for it affects any state TD Finance operates in. 

Thank you, XXXX XXXX XXXX TD Auto Finance Account Number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MD

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 non-monetary relief
Consumer complaint received 2025-09-22 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: OH

Complaint narrative:
The consumer reporting agency has violated FCRA 609 by failing to conduct a proper reinvestigation of my credit report. I requested a full reinvestigation of every item, yet the bureau either provided inadequate verification or continues to report unverified information. This failure to ensure the accuracy of my consumer report is a direct violation of my rights.

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 2025-09-22 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:
Deletion of the disputed accounts within 15 days is necessary under 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PayTomorrow, LLC
State: NC

Complaint narrative:
XXXX XXXX applied for buy now pay later credit with paytomorrow on behalf of XXXX XXXX XXXX XXXX for {$6200.00}. Paytomorrow  sent an email on XX/XX/XXXX confirming approval and that XXXX XXXX XXXX was preparing my shipment of the part XXXX-an email was sent to XXXX in regards to not receiving and order number or tracking number for the item. I also sent a message via text to the company as well for feedback of some sort. 
from XXXX once I finally received an answer from  XXXX XXXX XXXX they stated due to the method of payment that was the reasoning for the delay. 
I then expressed to them that I was paying storage for the vehicle to be at the mechanic shop while being under the impression that my part was being shipped out as soon as payment was received. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) stated that the order would be sent on the following Monday XX/XX/XXXX, I sent a reminder email on XX/XX/XXXX requesting once again an order number or tracking number for the item NO REPLY, I reached out again on XX/XX/XXXX with the response from XXXX XXXX ( XXXX XXXX XXXX EMPLOYEE ) stating that the item was in going to be picked up on that day now again I am still paying storage fees for the vehicle. I reached out again on XX/XX/XXXX at XXXX and didn't receive a reply or anything from XXXX XXXX XXXX ON XX/XX/XXXX XXXX I reached out to PAYTOMORROW  AND XXXX XXXX XXXX  in a request to STOP ALL PAYMENTS AND CANCEL THE LOAN. Paytomorrow responded and requested that i reach back out to XXXX XXXX XXXX  however I expressed to them I have been reaching out to them since XX/XX/XXXX and the issue was not resolved. Now today Paytomorrow has added the loan to my credit in which I don't have a part or anything from XXXX XXXX XXXX  and I feel due to the negligence from XXXX XXXX XXXX paytomorrow should stop ALL PAYMENTS AND REMOVE THE LOAN FROM MY CREDIT ACCOUNT. XXXX XXXX XXXX stated that I owe them {$350.00} for restocking fee for an item I never received which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The incident happened on XX/XX/XXXX or XXXX. My account was charger {$380.00}. I contacted my banking institute Navy Federal Credit Union right away. I told them my XXXX account was hacked and to put a stop for the charges. Someone purchase 30 XXXXXXXX tickets in another state and 2 massages in VA. I live in GA. They told me they can't stop the charges since they was pending. They said they would do an investigation and add the funds back to my account. A month later they sent me a letter stating the charges was mine. I called the bank to find out what happened. They informed me the fraud department does not have anyone I can speak to, the only way for me to communicate with them is through a messaging on the app. The representative of NFCU said because the charges came from my bank they was my charged. I explained my account was hacked. They said since it was hack they won't return my {$380.00}. I uploaded over 10 documents from XXXX stating these are not my chargers. I called XXXX back and they stated Navy Federal Credit Union never contacted them to do any type of investigator. If they did they would have agreed that these are not my charges. I have filed a police report case number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MO

Complaint narrative:
The Fair Credit 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-09-22 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: NJ

Complaint narrative:
I have a mortgage account with XXXX XXXX XXXX  and the status of that account has been updated and corrected on XXXX. However, Experian and Transunion have not updated the account to show that it is in good standing. This is drastically impacting my credit score. Attached please find a letter with further explanation.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On Thursday, XX/XX/year>, I got a notification from the credit bureau stating that my Wells XXXX Card had exceeded its original limit of {$3000.00} by {$1000.00}. I had just received this card again after it had been previously linked to fraud. I made a payment of {$1000.00} and then {$500.00} on the card before it was involved in fraudulent activity, and I contacted Wells Fargo, who was supposed to investigate the fraud I had disputed. However, I noticed it was still {$1000.00} over the limit, so I tried to set up a payment because this was affecting my debt-to-income ratio and did not want any late payments not realizing that I was closing the account for the card. Frustrated, I reached out to customer service, hoping to clarify the situation and find a solution to the unexpected balance. They informed me that the investigation was still ongoing, but I felt increasingly anxious about my credit score. With the card closed, I worried about how this would impact my future financial plans, especially since I was trying to rebuild my credit after the previous fraud incident. As I sat down to review my finances, I realized I needed to take more proactive steps to ensure my credit remained intact and to prevent any further complications.

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 2025-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America ( Acct # XXXX ) Balance {$2800.00} vs limit {$2500.00} ( over-limit reporting ). 

Late history conflicts : some show XXXX, others XXXX. 

Status Open but remarks Account Delinquent XXXX Days. 

Violations : FCRA 1681e ( b ) inaccurate payment history reporting.

FCRA 1681s-2 ( b ) failure to update accurate info.

FDCPA 807 ( 10 ) deceptive representation. 

Count : XXXX violations

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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I requested a payment ledger and an explanation, of why I owe XXXX. I have 3 remaining payments left. My payments are XXXX. I have late fees as well, but none of that equals, XXXX. My past due amount is XXXX, which XXXX is, what I have due. XXXX - XXXX = XXXX. The are reporting and incorrect balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I have contacted Chex Systems about my information being compromised due to XXXX and XXXX data XXXX and they didnt properly investigate the issue by verifying the information sent to them

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 2025-09-22 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the Delta SkyMiles Credit Card in XXXX of XXXX and was promised XXXX SkyMiles as a welcome bonus after spending {$3000.00} within the promotional timeframe. I have met the spending requirement, but the bonus miles have not been credited to my account. 

I contacted American Express customer service multiple times, but the issue remains unresolved. This appears to be a failure to honor advertised promotional terms and could be considered misleading or false advertising. 

I am requesting that American Express immediately credit the XXXX SkyMiles to my account. If not resolved, I am seeking the CFPBs assistance to ensure compliance with consumer protection laws. 

Attempts to Resolve : Contacted Amex customer service multiple times throughout XXXX. 
Requested escalation and written confirmation, but no resolution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
ShellPoint is my home mortgage servicer. I chose to get my monthly bills online. ShellPoint are not consistent in sending notifications when bills are issued. 

My main problem with ShellPoint is me not being able to get a copy of my monthly bill when I go online. 
Although all my bills are date-marked on the XXXX of each month, the possibility to see and/or save a copy of the bill takes up to three weeks. 

My monthly mortgage bill is for the same " total '' amount and the same due date every month, but it varies in the principle/interest amount, and I have to know this piece of information every month prior to my payment, because I over pay my principle most of the times, and I need to know how the interest is recalculated based on my over payment for the principle. 

I contacted ShellPoint and they promised to have the bill visible on the XXXX. I checked on the XXXX still no bill. I called on the XXXX, and the person on the phone could not help other than saying the bill is not issued yet. 
A copy of the bills page is attached, and it showns no bill issued for this month yet.

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