vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
On XX/XX/XXXX I was given an extension for my XX/XX/XXXX payment of {$560.00} from American Honda Finance. I received a confirmation of this in the correspondence section on their website. I was advised there is no paperwork for me to sign. This made my account now due for XX/XX/XXXX. On XX/XX/XXXX I made half of the XX/XX/XXXX payment and on XX/XX/XXXX I made the other half of the payment for XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter in the correspondence on their website that they needed signed documentation for my extension. I called them on XX/XX/XXXX and was advised they had sent me paperwork but had not received it back. They told me they would send it to me in two business days. I called back ( within 10 minutes ) to ask how the paperwork had been sent to me. This representative told me that they never sent me any paperwork and didn't need any but she would get with her supervisor and someone would call me back in two days. No one did. 

Because the first representative told me they would be sending me paperwork, I called back on XX/XX/XXXX and asked about the paperwork. This representative told me that since the extension was already processed, they didn't need me to sign anything. 

Today, XX/XX/XXXX, I received an email that my loan was past due for XX/XX/XXXX. I immediately contacted American Honda and was advised they had " backed off '' the extension for XXXX 's payment because they never received the paperwork back from me. I confirmed with the rep that it was never sent to me. She advised they were sending the request back to that department for an extension for XX/XX/XXXXXXXX XXXX payment instead. 

I called back a few minutes later to ask if they could please escalate this request to take care of it today and the representative advised me that they had just started the new request and it would still take up to 2 business days to get a response. I advised this was American Honda 's mistake that they never sent me anything to sign and I had been advised by three representatives that there is nothing for me to sign to process the extension. I also advised that I have documents from them stating they already processed the extension for XX/XX/XXXX. I asked to speak to a manager or supervisor. I was advised that I could not as " this is call center. '' At this point, I don't trust them to send me the paperwork, call me back, or process the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share alleged debt information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. There is also an abundance of inaccurate information that has been being reported, which I can prove by providing my most current consumer report. You can't unring a bell. Once this info was put out it has ruined my reputation as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was charge a late fee on my mortgage which resulted in reducing my credit score for XXXX points. I have never received a letter and disputed charges twice. Truist bank failed to provide me with proof with certified delivery. I asked to forgive my late fee since i never received a letter they denied my claim. I feel this wasn't truly fair. I have never missed payment in XXXX years and have perfect credit score of XXXX. Help me to solve this.

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 2025-02-21 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: NY

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
This is not an error, and I need this matter addressed immediately. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have repeatedly come across these inaccuracies, and despite my efforts to correct them, they remain unresolved. This situation is extremely concerning and has caused me ongoing XXXX and XXXX It is unacceptable that incorrect information continues to affect my credit and financial stability.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information that Mohela has reported to the credit bureaus regarding my student loan account. Specifically, my credit report reflects inconsistent and inaccurate late payment reporting, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

1. Violation of Accuracy Requirements ( FCRA 623 ( a ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must ensure that the data they report is accurate and complete. However, my Mohela loan account reflects : Payments reported as current one month, then jumping to 90 days late the next without a proper progression ( i.e., 30, 60, then 90 days ).

Inconsistent reporting that does not reflect the reality of my payment history.

This constitutes inaccurate credit reporting, which is strictly prohibited under the FCRA. Any misrepresentation of my payment history can result in legal liability for Mohela.

2. Failure to Notify Before Reporting Negative Information ( FCRA 623 ( a ) ( 7 ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), Mohela was legally required to notify me before reporting any negative information. However, during the time period in question, I was incarcerated and unable to receive any such notification. Because I was not given a fair opportunity to address or dispute these late payments before they were reported, this constitutes a violation of my rights under the FCRA.

3. Incorrect Late Payment Reporting and Consumer Protections ( FCRA & FDCPA ) According to 15 U.S.C. 1681c ( a ) ( 5 ), negative information should be reported fairly and accurately. Additionally : Late payments can not be reported arbitrarily or inaccurately in a way that misleads lenders.

If a servicer reports payments inconsistently ( e.g., skipping from current to 90 days late ), this is a form of inaccurate furnishing of credit information, which is subject to dispute under FCRA 611 ( 15 U.S.C. 1681i ).

4. Request for Immediate Correction Based on the above violations, I demand that Mohela : Correct and remove any inaccurate late payment history associated with my account.

Provide proof that Mohela accurately reported my payments and notified me in compliance with federal law.

Immediately update the account to reflect an accurate and complete history as required under FCRA 623 ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-21 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 am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is being reported when the Statue of limitations has expired. I submitted a dispute with Equifax to remove the account but it still remains on the credit file. I'm requesting to have this item removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-02-21 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX permanently closed-out and permanently deactivated my account for no reason!!! I need my XXXX account for work!!! Along with this, there is no customer service phone number to reach the XXXX  XXXX. I got lucky and was able to find a number to call and then speak to a live representative/agent. After speaking to several reps and managers about my situation, they were unable to help me. One rep said that he would open-up my account again, which he did, however, I am not able to send payments to friends and receive payments from friends ( it is just a stand-still open account ). If someone could please help me in getting my XXXX account back up and running so that I am able to send and receive payments, that would be greatly appreciated. Thank you!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The company will not give a payment plan to me but it will gave money management an amount of {$170.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, my auto loan with American Credit Acceptance was made current, and my deferment payments were approved. Despite this, a repossession remark was recently added to my credit report. 

Between XX/XX/XXXX and XXXX, XXXX, my XXXX credit report added the remark XXXX XXXX. Today, on XX/XX/XXXX, my XXXX credit report added the same remark, stating this update was made between XX/XX/XXXX and XXXX, XXXX. 

Why This is Inaccurate & Violates the FCRA : XXXX. My vehicle was never physically repossessed. 
XXXX. My loan was made current on XX/XX/XXXX, before this remark appeared. 
XXXX. A redeemed repossession falsely suggests my car was taken and then recovered, which is misleading. 

Under the Fair Credit Reporting Act ( XXXX  ) XXXX XXXX. XXXX, credit reporting must be 100 % accurate and not misleading. This reporting is damaging my credit and affecting my ability to secure loans and credit. 

I appreciate your time in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-21 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: GA

Complaint narrative:
I checked my Equifax credit report and found two fraudulent inquiries on my credit report from XXXX XXXX XX/XX/year> and XXXX XXXX on XX/XX/year>. I did not authorize either of these companies pull my credit nor was I extended credit from either company. I am including a FTC report I have filed.

Company response to consumer: Closed with non-monetary relief