vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-09 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: TX

Complaint narrative:
Called NewRez/Shellpoint Mortgage Servicing customer service to see if there was ability to waive NSF fee after paying my missed mortgage payment ( no ability to pay the NSF fee XXXX time of payment ) Reached out to NewRez/Shellpoint Mortgage Servicing customer service via chat to report issue of not being able to pay fee through online management of my loan account via a XXXX time payment. Service agent only wanted my authorization to process payment from my linked personal backing account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Lender is XXXX XXXX # XXXX on a XXXX  XXXX. Payoff was requested with a per diem over a certain date but the payoff was received on their end and credited before. A payment was sent in before the due date before deciding to payoff. The payment on the very 1st payment was sent for XXXX. They took all but XXXX in interest even when the payoff with per diem was included. VIN XXXX was the actual Car loan was placed upon. Again, this was the very first payment ahead of the payoff? I called and they provided the breakdown and it showed all of those wa interest?

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In XXXX Midland Funding Llc took me to court for a debt for a past credit card. XX/XX/XXXX the court case was reopened for XXXX and is trying to garnish my wages. 

This debt is no longer on my credit report and assumed to be resolved through credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The credit card company keeps lowering my credit limit and it looks like I have the credit card maxed out, Then they used this information to lower my limit again. This is a continuous cycle and because of this I'm unable to get a loan for my business because of my credit score and high balances that show on the card because of the fact that it looks like I'm spending money on the card.

I've spoken to them about this before and they refuse to stop reducing my limit and making it hard for me to get my credit score back up. I pay extra on the card to get it down then they lower my limit. Now they are making me pay the minimum payment to keep stuck. They are refusing to accept my payment unless its the minimum. This is ruining my credit score. 
Citi card/AA advantage XXXX XX/XX/XXXX lowered credit limit XX/XX/XXXX lowered credit limit XX/XX/XXXX lowered credit limit XXXX anywhere XXXX XXXX XX/XX/XXXX lowered credit limit XX/XX/XXXX lowered credit limit

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 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I was called by my bank. The phone number on my caller ID with the same as on the back of my debit card. They represented themselves as from my Bank and told me w woman was attempting to wires funds out of my account. I told them I did not authorize those wires. He walked me through how to " dispute '' those wire transfers ( with my unknowingly, he was sending the wire transfers to XXXX XXXX. 

I realized what happened immediately. I set up the Fraud claim with Bank of America immediately ; within an hour. Bank of America did several things wrong here. I believe this was an inside job with someone from Bank of America. XXXX how could this scammer known how much money I had in my Saving Acct/ How much he could have taken from me... And my bank didn't red flag these XXXX wire transfers totaling {$18000.00}. ; when I had never sent a wire transfer in my entire 27 years of banking with them? These transactions/wires were HIGHLY suspicious and highly out of character. 

Now Bank of America has denied my claim and stated they cant recover my funds. I need a recourse. My bank did several things wrong.

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 2025-04-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made a payment on XX/XX/XXXX to XXXX XXXX credit card of {$2000.00}. Bank has confirmed payment was made on that date. However, credit card will not credit my payment and put it on hold. I called. No reason given. This is fraud! I need to use my credit to buy food for XXXX. This will kill me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
- I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
No response to debt validation request. 

Date : XX/XX/year> RE : Formal Debt Validation and Cease and Desist Request under FDCPA Account ( XXXX ) : Security Credi Service Account : XXXX Alleged Creditor : XXXX Credit To Whom It May Concern : This letter serves as a formal request for complete debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

I am requesting that you cease all collection activities and provide the following documents within 30 days of receipt of this letter : REQUIRED DOCUMENTS FOR VALIDATION : Complete Chain of Custody : Documentation identifying the full chain of assignment from the original creditor to your agency, including all dates of transfer and authorization to collect.

Itemized Statement of the Debt : A complete and itemized breakdown of the alleged debt, including all charges, payments, interest, and fees assessed.

Original Creditor Contract : A copy of the original agreement or contract bearing my signature that legally binds me to this alleged debt.

Proof of Authorization to Collect : Documentation proving your legal standing and written authorization to collect on this debt in my state ( Texas ).

Debt Collectors License : A copy of your current and valid Texas debt collection license, issued by the Texas Office of Consumer Credit Commissioner ( OCCC ).

Proof of No Insurance Claim Filed : Confirmation that no insurance claim was filed and reimbursed on this account, which would nullify my obligation.

IRS 1099-C Disclosure ( if applicable ) : If this debt has been charged off, please provide proof including IRS 1099-C cancellation of debt form ( s ).

Credit Reporting Authorization : Proof of my written authorization allowing your agency to report any information to any Credit Reporting Agency ( CRA ).

CEASE AND DESIST NOTICE : Effective immediately, I am exercising my rights under the FDCPA 15 U.S.C. 1692c ( c ) by demanding that you : Cease all communication with me, my family, or my employer. 
Remove any and all accounts from XXXX, XXXX, XXXX, and XXXX that relate to these alleged debts. 
Refrain from any further attempts to contact or collect unless full validation is provided and the debt is legally proven to be mine. 
Failure to comply with these demands may result in legal action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and potential civil litigation. 
Please send all requested information in writing to the mailing address listed above. This is a formal dispute of the alleged debts and request for validation. Any attempt to collect without proper validation is a direct violation of federal law. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Chase Bank for their consistent failure to address and resolve my banking issues, as well as their unacceptable customer service practices. 

**Issue Details : ** Despite multiple attempts to resolve my concern, Chase Bank has repeatedly failed to provide a satisfactory solution. Today marked my second attempt to contact them regarding this matter, and yet again, I was subjected to excessive hold times, unhelpful representatives who redirected me without resolution, and ultimately, an automatic disconnection without my issue being addressed. This " runaround '' approach and lack of accountability are unacceptable.

**Previous Attempts to Resolve : ** 1. **First Contact : ** XXXX XXXX Explained the issue, was transferred multiple times, no resolution. 
2. **Second Contact XXXX XXXX : ** After a prolonged hold, the representative could not assist and transferred me, only to be disconnected automatically. 

This poor level of service demonstrates a clear disregard for customer satisfaction and a failure to uphold basic banking service standards. 

**Request for Resolution : ** I urge the XXXX/CFPB to investigate this matter and ensure Chase Bank : 1 . Properly addresses my concern without further delays.

2. Improves their customer service protocols to prevent others from experiencing I expect a prompt response regarding the actions taken to resolve this complaint. 

**Sincerely, * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
This CFPB complaint has been filed regarding fraudulent and inaccurate late payments on my XXXX credit report.The reporting of this late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit Account ( XXXX XXXX XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( XXXX ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment ( XXXX 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 explanation
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute to the collection agency ( before their stated deadline ), requesting full validation of the alleged debt, including breakdown of charges, proof of contract, and legal right to collect. They failed to respond, but reported the collection to all three credit bureaus in XX/XX/XXXX. This has significantly damaged my credit score. The account also reflects an inaccurate date opened of XX/XX/XXXX, though the debt originated in XXXX. I believe this violates the Fair Debt Collection Practices Act and am requesting full deletion of the item from my credit report. I am requesting the full removal of this account from my credit reports.

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 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief