vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Company : XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX )/ XXXX Issue : Incorrect credit reporting / misapplied payments/ false delinquency Description of the Problem : I am filing this complaint because XXXX is reporting inaccurate information regarding my student loan account, despite the fact that I have made consistent payments. Their system is showing a past-due balance and delinquency status that do not reflect my actual payment history. 

I made the following payments ( all confirmed in their system ) : {$2300.00} on XX/XX/year> {$250.00} on XX/XX/year> {$470.00} on XX/XX/year> {$250.00} on XX/XX/year> {$250.00} on XX/XX/year> {$250.00} on XX/XX/year> XXXX additional {$470.00} payments have also been scheduled. 

Despite making payments every month, XXXX is showing an Amount Past Due of {$910.00} and coding the account as delinquent. Their error appears to be a system issue where payments are applied to the wrong due cycle, which is consistent with other consumer reports online ( XXXX and XXXX  complaints ). 

Legal Concern : Under the Metro-2 Credit Reporting Resource Guide ( CRRG ), a creditor may only report a 30-day late if no payment at all was received within 30 days of the due date. Partial payments or payments made during the cycle must not be reported as 30 days late.

Because I DID make payments during all relevant periods, XXXX can not legally report a 30-day or 60-day late. Their reporting violates : FCRA 623 ( a ) inaccurate furnishing of information FCRA 607 ( b ) maximum possible accuracy requirement CFPB Regulation V ( Furnisher Rule ) failure to correct inaccurate information Uploaded Evidence : I am attaching my full payment history directly from XXXX  Connect to demonstrate that I made payments every month.

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 2025-11-24 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: NV

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
This afternoon ( XX/XX/XXXX ) I contacted Delta airlines to book a flight in XXXX. I also inquired at that time about options I had to acquire diamond medallion status. The Delta agent provided incorrect information related to an AMEX platinum card application stating that applying for this card would result in the required XXXX  needed to reach diamond status for XXXX. After applying for the card I later learned that this was not the case and that applying for the card would result in additional fees and would not help me achieve the promised status. The Delta agents information was deliberately misleading and Delta and AMEX colluded in an unfair and deceptive manner to solicit my application for a credit card which did not provide that benefits described in detail by the Delta agent. This materially impacted me by potentially harming my credit score and requiring potential payment of annual fees to AMEX for a card which did not provide the benefits that were advertised and promised by the Delta agent. This unfair and deceptive advertising practice has caused material harm to me as a consumer which could not have been reasonably avoided based on the incorrect and misleading information provided by the DELTA agent. 

XXXX investigation number XXXX & Delta XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX - XXXX. XXXX XXXX Account XXXX : XXXX - XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently opened an account with TD Bank about a couple days ago. The account is currently being closed after opening it. Ive asked why theyre talking about a past account I have had before, but theyre not disclosing the information that happened with that past account. I remember having an account with TD but that account closed because there was no money in the account so this other account that theyre talking about that has been opened without my recollection. I need information on this and theyre not providing the information and there is currently money in the new account that I have open that I currently can not access right now they wasted my time because I sat there for an hour and a half open in the account. If there was a problem, they shouldve let me know before making the account for me or before allow me to deposit any money because now I cant access my money thats in the account now I changed my jobs direct deposit to the account just for it to close. This has been a waste of my time. I just want a resolution or

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
Issue : U.S. Bank XXXX XXXX improperly froze my business funds ( {$9700.00} ) without proper notice, without reasonable time to submit documents, and caused major financial damage due to employee negligence. 

Description : I opened a new merchant account with XXXX for my business, XXXX XXXX XXXX XXXX. Immediately, {$9700.00} of my deposits were frozen without written explanation. 

The investigator, XXXX XXXX, called me but did not clearly identify that she worked for U.S. Bank. She requested documents, and I submitted everything the next day. However, she froze my funds BEFORE giving me a reasonable chance to comply. 

She placed the hold on a Thursday and then went on holiday until Tuesday, leaving no one properly assigned to my case. The replacement employee took several days to review my documents even though I had submitted them promptly. This delay caused unnecessary and preventable financial harm. 

Because of this improper hold and the lack of communication : My car payments declined My credit card payments declined My account went negative My business operations were disrupted I suffered serious financial and emotional stress This situation appears retaliatory and negligent. 
U.S. Bank/XXXX violated merchant compliance obligations by : Not providing written notice before taking adverse action Not identifying authority at the time of the call Freezing funds without allowing reasonable time to submit documents Failing to provide coverage when the assigned investigator went on holiday Causing extended delays even after I submitted all required documentation I request : XXXX. Immediate release of the {$9700.00} XXXX. A written explanation of the reason for the hold XXXX Review by a senior XXXX  officer XXXX. Compensation or fee reversal due to the damages caused XXXX. Assurance that this negligence will be addressed internally I want this matter escalated and resolved immediately.

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 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
Subject : Formal Complaint Regarding Mishandling of Mortgage Assistance Request To Whom It May Concern, I am submitting a formal complaint regarding the handling of my mortgage assistance requests with United Wholesale Mortgage ( UWM ). 

My husband was diagnosed with a neurological condition in XX/XX/year> that has prevented him from working. As the sole income provider, I contacted XXXX in XX/XX/year> to request a loan modification. At that time, we were fully current on our mortgage and had never missed a payment. XXXX accepted my application and informed me I would receive a decision within XXXX XXXX 

When the denial letter arrived, I was told we did not qualify because we were not at least XXXX  days delinquent, and a modification would increase our payment. XXXX was aware that we did not meet the delinquency requirement at the time of application, yet proceeded with the review, delaying our ability to seek alternative assistance. 

Following this denial, a VA mortgage technician advised me to ask XXXX about XXXX options, including a potential loan extension. When I relayed this information to XXXX, the representative repeated only the denial reasons and did not explore those options. 

On XX/XX/year>, with XXXX  XXXX on the line, we spoke with XXXX representative XXXX XXXX in Loss Mitigation. He confirmed that we could apply for a medical forbearance and assured us that I was approved for XXXX months ( XXXX ), that a confirmation letter would arrive within XXXX days, and that no negative credit reporting would occur aside from noting the forbearance. 

The letter never arrived. When I called to follow up, I was told my application was still under review and that I remained responsible for paying XXXX mortgage. On XX/XX/year>, another representative informed me that : No forbearance application had ever been submitted, No notes from my call with XXXX XXXX existed, and My original loan modification application had been resubmitted without my knowledge and would be denied again. 

I was advised not to make further payments so that I could reapply once sufficiently delinquent, despite the negative impact this would have on my credit. 

I am extremely concerned about the misinformation provided, the absence of documentation, and the failure to submit the forbearance application as promised. I reached out early to avoid falling behind, yet the guidance I received has placed me at greater financial risk. 

I respectfully request that this matter be investigated and that I be informed of any available options to correct or resolve this situation. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: PA

Complaint narrative:
Monday XX/XX/2025, I was able to speak to an XXXX about the settled on amount for payments. They then said theyd email the info. They did not send an email with the attachments to indicate any thing. I called on XX/XX/2025 and the XXXX rep would not even allow me to speak. I called back and spoke with another person. we were cut off. I called back to the same rude person. They sent me to the reps voicemail. I left the message Id need a call back. Today XX/XX/XXXX I have received no email, call back. 

They claim they sent the email. I received an automated email I respond to with it saying it will be prioritized. I have received XXXX attachments for anything. 

I also made XXXX payment, then they took another payment which at that time the XXXX XXXX account was closed. They added a XXXX addition to what was owed. my credit score went down or i would have never known. This company has not provided any thing in written or email form. I feel they are not here to assist and this account would need closed as they are being misleading and not above board. I no longer trust I am being guided properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
An authorized credit card was added to my account after I had already explained the situation and requested proof of ownership. Instead of providing verification, the account was transferred to another collection agency, which is now attempting to continue collection efforts on the same debt. I am requesting proper validation of the debt and clarification regarding why the account was reassigned while still in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA 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: LoanCare, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Loancare doubled my Mortgage loan payment from XXXX to XXXX a month. They added property taxes which I dont own since I am 100 % XXXX Veteran in Texas  dont pay property taxes. I called every week, month and they kept giving me the run around for over a year. Now I own {$49000.00} to reinstat my loan and they have {$9000.00} of XXXX property taxes plus XXXX soon. This has not helped me at all by a modification payment from XXXX to XXXX thats a {$800.00} increase because they said since its a VA loan they cant add this debt to the end of my current loan. My interest rate it under 6 %. I am a student due to being unable to work and kids who live in my home. I have tried to contact my Mortgage company but they have not helped at all. Nothing has been done at all. I can not sign the paperwork because they want my ex husband signature to be notarized and he refuses. I calculated the debt and I do not owe that amount. I owe less than {$30000.00} not {$50000.00} like the company says. I have tried to reason with them and Nothing has been done at all. They will file for foreclosure for a 3rd time if this is not resolved soon and the new rate and modification doesn't help me. The new payment is almost double of my previous payment and I still have not received my refund for the property taxes I do not owe. I spoke with XXXX XXXX about the Taxes and they said they have no right to keep that money from me. I just want them to correct the amount I owe from XX/XX/XXXX to present at the current payment and add what I owe to the end of the loan less than {$30000.00} since this mistake was made by Loancare and has yet to be fixed almost 2 years later.

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 2025-11-24 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: AR

Complaint narrative:
I have terrible credit and want my credit repaired

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am very disappointed in how CFPB handled the first complaint with XXXX involving Discovery for billing for charges I DID not approve of. This is the second complaint I am putting in with CFPB, complaint is about the same company, XXXX, they billed for an order that I did not approve of. 
Several documents will be attached to support these claims. What I dont understand is has anyone talk to XXXX XXXX support these claims. The answer is No. HOW CAN A DISISTION ON CLAIMS ON ONE SIDE. Was this over-looked? 
Yet, Discovery has gone far and beyond to destroy my credit rating. It started in 2024. Where as, charges started be put onto the credit report. Mind!! I atways pay my bills on time. Again, I am very disappointed in how CFPB handled the first complaint Yet, Discovery has gone far and beyond to destroy my credit. It started in 2024. Where as, charges started accumulating on the credit report. Mind!! I always pay my bills on time. Why let my credit go unnoticed which can effect credit in a timely fashion. XXXX people called from Discovery, after the first complaint. XXXX was named XXXX, she was from the customer advocate department and the other name XXXX ' He said if you owe a bill to pay it. XXXX never called back.

Company response to consumer: Closed with explanation