vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XXXX Spoke to a lady about inquiring information on how to make a payment as I set up ACH Payments through the lender and the money was never withdrawn. Out of concern and a desire to be proactive to protect my asset. I needed reassurance that things were going on behind the scenes to make sure things were being taken care of. The lady on the phone assured me that there would be no late payments issued because of their system being at fault and the time it takes to upload my file. I requested to have that information emailed over to me along with my loan number because I never received anything from them. She said that she would do so. 

XXXX Reached out again to determine whether or not I could pay through the online portal/app because I realized that I needed to be up to date in order to receive a draw. I assumed that the XXXX part of the profile upload was what the hold up was over. So, I called to get access to my loan number and also find more information about the draw process so I can continue to move my project forward. The lady I spoke to had an attitude and spoke in a very condescending manner. The only thing helpful she did was give me my loan number. She refused to allow me to talk to a supervisor. As Ive spent over {$30000.00} of my own money and dont know how to proceed because I am tapped and cant make a draw without paying the monthly mortgage that is due. She expressed that she didnt care in so many words and that there was nothing I can do besides wait and hope that things were uploaded sooner rather than later to move the project forward. 


This is very early in the process and after reading all of the complaints and horrible reviews & ratings found on the XXXX, i do not have the warm and fuzzies about this company and there should be much better practices displayed when it comes to people tying their future to a company that could literally ruin their current and future. Im extremely terrified of what this situations is looking like it will inevitably play out to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Equifax information services LLC XXXX XXXX XXXX, XXXX, GA XXXX I am writing to dispute the following information on my credit report dated XX/XX/XXXX which I obtained on XX/XX/XXXX XXXX. Dispute of XXXX XXXX XXXX XXXX dispute the account reported by XXXX XXXX XXXX with account number ending in XXXX and last activity date of XX/XX/XXXX. This account is being reported beyond the time frame allowed by the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 605 ( a ), most negative information can not be reported after 7 years from the date of first delinquency. Since this accounts last activity was in XX/XX/XXXX and my credit report is from XX/XX/XXXX ( XXXX XXXX XXXX ), this information should have been removed long ago. Please investigate this matter and remove this account from my credit report if it can not be verified as accurate and within the reporting time limits. 

XXXX. Dispute of Multiple Debt Buyer AccountsI also dispute multiple Debt Buyer Accounts listed on my credit report with past due amounts of {$710.00} and last activity dates of XX/XX/XXXX. There are five such accounts ( Accounts XXXX ), all with identical information : Past Due Amount : {$710.00} Last Activity Date : XX/XX/XXXX High Credit : {$710.00} ( which matches the Past Due Amount )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am disputing a charge-off account reported by XXXX XXXX XXXX XXXX Acct ending in XXXX ). This account was sold to XXXX XXXX XXXX and fully settled through XXXX XXXX XXXX on XX/XX/year>. 
The settlement letter clearly states they would request deletion of the tradeline. However, Kia Finance continues to report a balance of {$7400.00} to the credit bureaus. 
This is inaccurate and hurting my credit. XXXX confirmed they do not report, and Kia has failed to correct this despite attempts to contact them. 
I am requesting that Kia be required to honor the deletion agreement and remove the account from my credit report

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 2025-04-08 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-04-07 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: NC

Complaint narrative:
Contacted Experian last week and they sent the problem to a different team but I have not heard back from them. My account is switched with my sons account. He is a XXXX and has not credit but Im XXXX and have great credit with XXXX and XXXX. I tried to apply for a credit card and were turned down because of Experian. They are holding up my life! 
My original complaint XXXX is 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Cease and Desist Notice Account # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am formally demanding that XXXX. XXXX, XXXX immediately cease all communication with me regarding the above-referenced account. 

According to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, the collector must cease communication except to notify the consumer of specific legal remedies that may be pursued. Continued contact beyond this notice may constitute a violation of federal law.

Your actions to date including repeated communications in connection with a disputed debt are harassing, invasive, and unlawful. Courts have consistently held that such behavior violates the FDCPA. For example : In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), persistent contact after a cease and desist request resulted in a ruling in favor of the consumer. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that the FDCPA should be interpreted liberally to protect consumers from abusive collection tactics. 

If you believe this debt is valid, I request that you provide written verification of the debt, including the name of the original creditor, the amount owed, and the basis for the obligation, as provided by 15 U.S.C. 1692g ( b ). Without such verification, no further collection efforts should continue. 

Let this serve as notice that I dispute the validity of the debt and that continued collection attempts will result in legal action. Any further contact including phone calls, letters, emails, or third-party involvement will be documented and may be used as evidence of willful noncompliance in a formal complaint to the Federal Trade Commission XXXX FTC ) and the Consumer Financial Protection Bureau XXXX CFPB ). 

You are hereby instructed to cease and desist immediately. Failure to comply will result in further legal remedies available under federal law. 

Sincerely, 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was surprised to find multiple accounts on my credit report that I have no knowledge of. These accounts were not opened or authorized by me, yet they are being reported under my name, creating a completely false and misleading credit profile. I need to know why this has happened and how these errors can be corrected 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-07 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: GA

Complaint narrative:
Attached are multiple dispute letters regarding separate inaccurate entries reported by TransUnion, these accounts need to be deleted from my credit report by law. Each letter addresses a different account issue. Please refer to the labeled documents for details.

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 2025-04-07 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:
Incorrect personal information:

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Incorrect personal information:

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 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: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've requested numerous times for months to have my accounts investigated properly and for information to be provided to me so that I am able to accurately review my credit accounts to my reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have requested in writing to all XXXX bureaus for out Free XXXXXXXX XXXX  report for myself and spouse. Of the XXXX only XXXX is the only one that provided the report in a timely basis and also out credit score. 

XXXX XXXX and Equifax failed to di so. 

Ive written them on XX/XX/year> and again on XX/XX/year> to XXXX XXXX and also Equifax requesting the reports. I sent them all the documents they requested and more There is no reason the them to not send us our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX is trying to collect a debt that I do not owe and is Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I went to the Bank of Hope XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) with my elderly mother, who is a long-time customer and has been XXXX XXXX XXXXXXXX. 

I intended to help her manage her finances and requested to be added to her account as a joint account holder or legal representative. I explained my mother 's medical condition to the bank employee, XXXX XXXX ( XXXX XXXX ), but she dismissed my concerns and said my mother looked fine. She also implied I might try to take all her money or close the account. The tone was accusatory, and I felt treated like a scammer or criminal. 

I asked to schedule an appointment, but instead, XXXX XXXX turned to my mother and said, It doesnt seem urgent, without addressing me. She also brought up unrelated topics like insurance, which felt invasive and inappropriate. 

I felt deeply disrespected, humiliated, and discriminated against while trying to protect and assist my mother. 

I am requesting : - A formal apology from Bank of Hope - Proper training for staff on how to handle sensitive issues like XXXX and family caregivers- Clarification of policies regarding assisting elderly customers with cognitive impairment Bank employee : XXXX XXXX XXXX : XXXX XXXX, Bank of Hope Date : XX/XX/year> Time : Around XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-07 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
They call everyday at least 3-4 times a day and I block a number so they use a different one. Its the same name when they call and thats how I know its them. Its listed as NCB MGT SRV INC.

Company response to consumer: Closed with explanation