vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Summary of Complaint : I am filing this complaint against American Express due to lack of clear disclosure, unjustified interest charges, and refusal to provide a prorated refund for my annual membership fee. 

In XX/XX/XXXX, I paid the full annual membership fee for coverage until XX/XX/XXXX. 
My card was set to expire in XX/XX/XXXX, and because I would be abroad when the replacement card was mailed, I chose to close my account on XX/XX/XXXX. 
At the time of cancellation, the American Express representative never informed me that : A specific due date ( XX/XX/XXXX ) existed to pay off my balance. 
Interest would continue accruing indefinitely on a closed account if the balance was not fully paid. 
Had I been explicitly told that I needed to settle my balance by a specific date to avoid interest, I would have kept my card open and paid accordingly. Instead, Amex failed to disclose this critical information, leading to {$200.00} in interest charges after cancellation. 

Key Issues with Amexs Handling of My Account : Failure to Disclose Due Date at Cancellation : Amex later claimed that my XX/XX/XXXX, statement mentioned the due date ( XX/XX/XXXX ). 
However, this statement was generated after my account was already canceled. 
At the time of cancellation, the customer service representative never informed me of this due date. 
Lack of Clear Disclosure About Ongoing Interest Charges : Amexs standard disclosure only states that outstanding charges will be billed, which is vague and misleading.

At no point was I informed that interest would continue to accrue indefinitely after my account was closed. 
Refusal to Provide a Prorated Refund for My Membership Fee : I paid for a full year of service in XX/XX/XXXX, covering me through XX/XX/XXXX. 
Since my account was canceled in XX/XX/XXXX, I lost access to the benefits I had already paid for. 
Amex refused to issue a prorated refund, keeping my unused six months of membership fees without providing service.

Failure to Provide a Justified Refusal in Writing : I requested a formal written denial with clear justifications, but Amex only provided a generic response.

They failed to address why their representative did not inform me of my final due date at the time of cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
XXXX reinserted the deby without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) The debt was previously removed but has been reinserted without notice. 
The collection agency failed to provide validation of the debt Demand an Immediate deletion I am filing a formal complaint against XXXX and CREDENCE RESOURCE XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Issues with the Collection Account : Debt Was Previously Removed But Reinserted Without Notice A collection account originally reported by XXXX. XXXX XXXX was removed from my XXXX credit report but has now been reinserted by a new collection agency. 
Under FCRA 611 ( a ) ( 5 ) ( B ), XXXX was required to notify me within five business days of the reinsertion. I did not receive any notice.

Failure to Provide Proper Debt Validation The new collection agency has not provided any proof that I owe this debt, which is required under FDCPA 809 ( b ).

If they can not validate the debt, they must remove it. 


Possible Re-Aging of Debt The collection account originally appeared under XXXX. XXXX XXXX but has now been relisted by another agency. 
The date of first delinquency must remain the same. If it has been changed, this is an illegal attempt to extend how long it stays on my credit report ( FCRA 605 ( c ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am reaching out because I lost my home in XXXX as a result of a damaged agreement with my mortgage company. I was behind on some payments, and I entered into an agreement and forms were sent to me, but I was recently married the month prior, and the forms had my old last name on them. When I realized that I couldn't notarize the forms because of my name change, I contacted my mortgage company to ask for new forms with my new last name, and they held my forms until they were able to start foreclosure proceedings. I lost my home, as a result, and I am just now reaching out because I just heard that the practice the company used was illegal and I could've kept my home, creating a damaging and relentless snowball effect on my credit and the ability to secure a new home. 

My outstanding balance was : {$69000.00} My Origination Date was : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Not my debt, failed to provide wet signature, failed to provide XXXX when I called in XXXX. According to 392. 101 Texas finance code, not licensed to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MI

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 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I made payment arrangements with One Main Financial, and while I have a payment processing they called me repetitively, 12 times within 3 days. One Main financial has used spoof phone numbers, along with toll free numbers, leaving voicemails in addition to sending text messages. This has been going on for a couple months with the frequency increasing each day. It went from once a day to now 5 times a day. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: IA

Complaint narrative:
Credit karma advertises Tap into fast cash. 
Start working on your financial goals even sooner this year.

Up to 5 days early Get access to your refund up to XXXX days early when you deposit it into your Credit Karma Money Spend account. 

I checked the irs website it states Your tax refund is scheduled to be sent to your bank by XX/XX/XXXX. 
If your refund is not credited to your account by XX/XX/XXXX, check with your bank to see if it has been received. 

XXXX XXXX XXXX Filing Status Head of household Your refund amount {$2400.00} Deposit date XX/XX/XXXX I used the Credit Karma Money Spend account. 
As of XX/XX/XXXX I have not received my money in my Credit Karma Money Spend account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding XXXX 's failure to conduct a reasonable investigation into fraudulent accounts being credit on my credit file. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding a fraudulent account appearing on my credit report. XXXX did not properly investigate or remove the disputed account. XXXX failed to provide any information related to their investigation. 

On XX/XX/XXXX, I submitted another dispute for two additional fraudulent accounts appearing on my credit report. However, within approximately 13 hours, XXXX stated that my dispute was complete and no changes would be made to my credit file. Given the complexity of verifying fraudulent accounts, it is unreasonable for XXXX to have conducted a thorough investigation in such a short time. 

It is important to note that on both occasions I provided XXXX with a list of the fraudulent accounts included in my dispute along with supporting documentation including, Identity Theft affidavit reports filed with the FTC, a copy of my driver 's license, and proof of residency. 

XXXX 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. Section 1681i ), which requires credit reporting agencies to investigate disputes and correct inaccurate information. Their actions are causing ongoing harm to my credit profile, and I am seeking CFPB 's investigation to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding XXXX 's failure to conduct a reasonable investigation into fraudulent accounts being credit on my credit file. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding a fraudulent account appearing on my credit report. XXXX did not properly investigate or remove the disputed account. XXXX failed to provide any information related to their investigation. 

On XX/XX/XXXX, I submitted another dispute for XXXX additional fraudulent accounts appearing on my credit report. However, within approximately XXXX hours, XXXX stated that my dispute was complete and no changes would be made to my credit file. Given the complexity of verifying fraudulent accounts, it is unreasonable for XXXX to have conducted a thorough investigation in such a short time. 

It is important to note that on both occasions I provided XXXX with a list of the fraudulent accounts included in my dispute along with supporting documentation including, Identity Theft affidavit reports filed with the FTC, a copy of my driver 's license, and proof of residency. 

XXXX 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. Section 1681i ), which requires credit reporting agencies to investigate disputes and correct inaccurate information. Their actions are causing ongoing harm to my credit profile, and I am seeking CFPB 's investigation to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NV

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was scammed when I used Zelle to purchase concert tickets from a seller who turned out to be fraudulent. After sending the money, the seller disappeared and never provided the tickets. When I contacted my bank to report the scam, they refused to reimburse me, stating that Zelle transactions are final. Despite my efforts to recover my money, I was left without any support or recourse, exposing how Zelles lack of fraud protection and refund policies put users like me at financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EQUIFAX to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX XXXX ), EQUIFAX has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX. [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that EQUIFAX has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of EQUIFAX may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Paypal Marstercard Synchrony, account was opened during a year, never missed payment... account closed because my bank account was compromised, I updated payment method and Synchrony proceeded to close the account. Synchrony is aware delayed payment never existed, still hurting my credit negatively with payment inclompliance... always asking for 60 days to fix the credit report and no actions taken!

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 2025-02-26 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: PA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: DE

Complaint narrative:
Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section XXXX ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX  ) ( XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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 2025-02-26 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief