vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: EQUITY LOANS LLC
State: TN

Complaint narrative:
Good morning, We are selling our property in XXXX XXXX. We have a mortgage with Equity Prime Mortgage, who is based in XXXX. 

In the payoff letter they sent me, they have a line item for " Additional Fee of {$8700.00} '', with no further explanation. I've called every number I can find for EPM many times in the last 3 weeks to : 1 ) find out what the additional fee is 2 ) have them remove the fee 3 ) get a updated payoff letter I talked to many customer service people ( XXXX XXXXall center, and XXXX call center ). Finally, I found a number on the XXXX  website and was able to talk to " XXXX '' who escalated to " XXXX '' who told me the fees are mortgage cancellation fees and notary fees. I explained to them that for properties in XXXX XXXX, the mortgage cancellation is handled by a lawyer/notary, and the fees are paid out at closing by the seller, not the bank, and we have an invoice from the lawyer that will be sent to EPM with payoff funds. They insisted that these are their notary fees that they have to charge. I asked him to list out what the fees were, which he did, and then I proceeded to explain which of those fees are paid by us, the seller, at signing and settlement. He point blank told me that isn't how it works, and even if I got another payoff letter, the additional fees would still be on there. 

What this person refused to understand is that : 1 ) EPM automatically assigned THEIR OWN LAWYER/NOTARY in XXXX XXXX to cancel the mortgage. However, we chose a different lawyer to complete the transaction, as is our right. 
XXXX ) XXXX XXXX notaries are different that XXXX notaries, in that they have to be a lawyer to be one. Hence the larger fees. 
XXXX ) This " Additional Fee '' will already be paid personally by us at closing, as is proven by settlement documents sent with the Payoff Funds. So, these fees should be removed or refunded.

Long story short, EPM refused to remove the fees, and won't release my deed unless I pay the Additional Fees on the Payoff Letter, of which I've already paid. These actions are fraudulent, and the lawyer in XXXX XXXX and EPM is trying to steal money for services NOT rendered. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

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 2025-03-05 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit collection services was added to my credit report XX/XX/year>. Im not sure what this is and I tried disputing it and it immediately got rejected. The only information I was able to give was my social because Im unsure what its for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Inaccurate Information Under FCRA Section 623 XXXX  - Remove Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX - Remove Account XXXX XXXX - Remove AccounXXXX XXXX XXXX XXXX XXXX  Remove Account XXXX XXXX XXXX - Remove Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
Dispute of Inaccurate Information Under FCRA Section 623 XXXX  - Remove Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX - Remove Account XXXX XXXX - Remove AccounXXXX XXXX XXXX XXXX XXXX  Remove Account XXXX XXXX XXXX - Remove Account

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 2025-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a settlement letter dated back in XXXX of XXXX from a Client Resolution Specialist named XXXX XXXX, of Truist Bank, XXXX. 
The settlement was a result of a program offered to me during XXXX ( XXXX ) by XXXX XXXX  XXXX that never got entered into the database as a modification of original loan terms. 
Fast forward, I sent the funds asked for in the settlement letter ( XXXX XXXX ) via Certified Check to XXXX, XXXX  in a trackable XXXX mail package. XXXX tracking stated that the package was delivered and received at the address/ po box . 
In that package I specifically asked for a business letter receipt for my payment. 
I have not received from Truist a contract to sign that matches the terms of the settlement. Recently in XXXX, I am now receiving correspondence in the form of a contract that shows amounts not reflective of the settlement. 
All of that should have been sent within a couple weeks of my payment ( XXXX ). 
I'm asking for your help because it appears that Truist does not intend to report this settlement as stated in the settlement letter sent to me - to credit agencies. 
Clearly they want to report numbers that they are not entitled to report. 
This was a total failure on the part of both XXXX XXXX XXXX and Truist. 
I don't intend to suffer the loss because of their gross errors, and continued refusal to send me a correct contract to sign reflective of settlement terms.

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 2025-03-05 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: TX

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
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: TX

Complaint narrative:
I hope youre doing well. Im writing because Ive found an entry on my credit report that is both inaccurate and misleading. The account in question is currently in pending litigation, and Ive noticed that its still being reported as active on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

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 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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding a promotional offer that was presented to me when applying for the XXXX American Express Credit Card. Despite fulfilling the terms of the offer, I have yet to receive the promised {$500.00} statement credit, and I have been continuously redirected between American Express and XXXX without resolution. 

In XXXX, while booking a flight, I was prompted with an offer to apply for the XXXX Amex Credit Card, which explicitly stated that if approved, I would receive XXXX miles and a {$500.00} statement credit applied to my flight. To ensure the accuracy of this promotion, I chatted with a XXXX representative, who confirmed in writing that I would receive the {$500.00} credit ( screenshot of the conversation is attached ). Based on this assurance, I proceeded with the application and was approved for the card. 

Months have passed, and I have yet to receive the credit. When I initially contacted XXXX, they directed me to American Express, claiming it was XXXX responsibility. When I reached out to American Express in XXXX, I was told that the credit would be applied to the statement closing on XX/XX/XXXX. To verify, I called American Express again on XX/XX/XXXX and spoke with a representative named XXXX, who assured me that he saw the credit noted on my account and that I would receive it once the statement closed. He advised me to wait XXXX hours and call back if it was not applied. 

After waiting the specified time, I contacted American Express again, only to be informed that there was no record of the credit on my account and that I needed to contact XXXX for assistance. This constant back-and-forth between XXXX and American Express is unacceptable XXXX I applied for this credit card solely because of the advertised offer, and I have fulfilled all the necessary requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NJ

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 explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of tmwrch XXXX is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It s my understanding that you must verify these items with the reporting creditor for accuracy.

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 2025-03-05 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:
There was a security breach of the XXXX major credit bureaus which released sensitive negative information that was personal and detrimental.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
There was a security breach of the XXXX major credit bureaus which released sensitive negative information that was personal and detrimental.

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 2025-03-05 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief