vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
XXXX XXXX PLEASE REMOVE FOLLOWING check attached photo This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Northern Trust Company, The
State: FL

Complaint narrative:
I have a fixed rate mortgage with Northern Trust. The escrow amount had gone up and I havent gotten around to handling the small extra escrow amount, but the full amount of my principal and interest was paid in a timely manner to Northern Trust. Its on auto pay from my bank. They have reported my XXXX payment as over XXXX  days late. That is not accurate. They received my payment more than sufficient to cover the principal and interest and yet they have reported my account to the credit bureaus and caused my credit score to decrease by XXXX points. They did the same thing last year. This should be illegal. I am not late on my mortgage and interest payment. It was paid in full. I am late on the escrow payment which is a very minor amount. It is dishonest to say I am late on my mortgage and interest payment. I am not. They should not be allowed to do this. I want them to remove the derogatory reports from my credit. I am current on my mortgage, unless they have not applied my principal and interest payment which was sent by my credit union to my them. My credit took a hit last year when they did the same thing. I have held that mortgage for XXXX  years and have not missed any payments- except during the pandemic. They are being dishonest and nasty. Specifically a 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 2025-02-06 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: VA

Complaint narrative:
XXXX XXXX XXXX - {$2300.00} No knowledge of this 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 explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are as follows XXXX XXXX XXXX Acct no. XXXX XXXX, XXXX XXXX XXXX Acct no. 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 non-monetary relief
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are as follows XXXX XXXX XXXX Acct no. XXXX XXXX, XXXX XXXX XXXX Acct no. 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 2025-02-06 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: CO

Complaint narrative:
I am contacting you regarding my XXXX XXXX XXXX account XXXX which was included in my bankruptcy filed on XX/XX/XXXX, and XXXX on XX/XX/XXXX. As this debt was legally XXXX, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with Experian regarding the inaccurate reporting of this account. Experian responded stating, " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, the account status remains unchanged and continues to show a balance and past-due amount, which is a violation of 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 2025-02-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
Ive requested verified documentation of the information being reported on my credit report to only receive false investigation results and letters attempting to stall my request, Ive sent via certified mail documents to Experian including signed statements, request to remove false information along with my photo ID and a letter from my mortgage company to verify my address and full social security number. Ive received over XXXX letters back saying they believe I did not request the investigation and Ive responded several times saying it was me who submitted the request. Experian is not following FCRA guidelines with proper investigations and has deliberately stalled my disputes causing my score to decrease and cause me to be denied credit. They have also denied me access to the documentation that these creditors are reporting to my credit report. I want factual evidence of the accounts Ive disputed from the original creditors on my credit report that it is being reported correctly. 
XXXX XXXX # XXXX, XXXX XXXX - XXXX BANK # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, and THE XXXX XXXX # XXXX has violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is regarding my Alaska XXXX XXXX XXXX credit card that is administered through Bank of America. My balance on this credit card is approximately {$100.00} and I have not used this credit card for purchases in a year. On XX/XX/year>, I accidentally made an electronic payment of {$1300.00} to Bank of America instead of my mortgage company. This payment cleared my XXXX Bank checking account and Bank XXXX XXXX. I contacted Bank of America on XX/XX/year> and was rest assured that I will receive a refund back to my checking account within XXXX business days. I have a credit of {$1300.00} on this credit card. I made several calls and kept being advised that my refund is still in process. On XX/XX/year>, I was advised that my refund request will be forwarded to a XXXX to process and issue a refund. The XXXX was to return my call when this was completed. I did not receive a phone call. On XX/XX/year> I called Bank of America again requesting my refund. Now XXXX being advised that the refund will take XXXX billing cycles and I was misinformed each time I called. This business practice is unacceptable. Several reps provided incorrect information and the amount of time for Bank of America to refund a consumer is not appropriate. This is NOT Bank XXXX XXXX money. This is MY money that they are holding on to. I do not have the luxury of an extra {$1300.00} and still have bills to pay. This isnt fair nor right for a corporate bank to keep and hold my money without refunding me in a timely manner. My credit card account specifies a credit to the account. I am requesting that CFPB investigate this and their business practice as this isnt fair to a consumer. XXXX filing a formal complaint against Bank of America with handling my refund in a timely manner. I should also be paid interest for the length of time they are holding on to my funds.

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 monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to formally notify you that Credence Resource Management attempts to collect on the alleged debt referenced attached to this complaint are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If Credence Resource Management is not aware the entire claim is regulated by an arbitration agreement with the original Creditor. Which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings as the account attached to this complaint does not belong to me. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that Credence Resource Management has no right to collect on this alleged debt that does not belong to me. I am asking for help to fix this issue immediately as Credence Resource Management has been completely Negligent in responding to my initial dispute attached from over XXXX  days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
I paid the full account amount off on XX/XX/XXXX for the full payoff of {$1000.00} then locked the card knowing it was fully paid off. There was a fee charged on XX/XX/XXXX for {$35.00} but that was never included into the total payoff balance when I hit pay off current balance. I was never notified of the fee and only noticed the charge once it was delinquent on my XXXX XXXX. I paid it in full when I was made aware of the unpaid fee. I disputed the fact that I paid in full and multiple times I was told there was nothing they could do. This has had a massive effect on my XXXX XXXX. XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
I paid the full account amount off on XX/XX/XXXX for the full payoff of {$1000.00} then locked the card knowing it was fully paid off. There was a fee charged on XX/XX/XXXX for {$35.00} but that was never included into the total payoff balance when I hit pay off current balance. I was never notified of the fee and only noticed the charge once it was delinquent on my credit score. I paid it in full when I was made aware of the unpaid fee. I disputed the fact that I paid in full and multiple times I was told there was nothing they could do. This has had a massive effect on my credit score. XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
I paid the full account amount off on XX/XX/XXXX for the full payoff of {$1000.00} then locked the card knowing it was fully paid off. There was a fee charged on XX/XX/XXXX for {$35.00} but that was never included into the total payoff balance when I hit pay off current balance. I was never notified of the fee and only noticed the charge once it was delinquent on my credit score. I paid it in full when I was made aware of the unpaid fee. I disputed the fact that I paid in full and multiple times I was told there was nothing they could do. This has had a massive effect on my credit score. XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
I am disputing an account that is falsely being reported on my Transunion credit report. The account belongs to XXXX, and it is not mine. I have never had any financial relationship with XXXX, nor have l ever opened an account with them. I previously disputed this fraudulent account with Transunion, and instead of removing it, they only marked it as closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) because they are reporting false and unverified information. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a full reinvestigation and remove the inaccurate information if it can not be verified. I am demanding immediate deletion of this 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 non-monetary relief
Consumer complaint received 2025-02-06 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 am submitting this complaint regarding a XXXX past due payment that was reported on my XXXX Bank Delaware account XXXX XX/XX/XXXX. I have been a loyal XXXX cardholder since XX/XX/XXXX and have maintained a consistent and responsible payment history for the past 6-7 years, with this being the only late payment on record.

At the time of the late payment, I encountered an isolated circumstance that led to the delay. However, since that event, I have taken proactive steps to ensure that it never happens again, including setting up automatic payments and payment reminders to maintain my excellent credit standing.

Unfortunately, this single 30-day late payment from XXXX continues to negatively impact my credit profile, limiting my ability to secure favorable financial opportunities such as lower interest rates and better loan terms. Given my long-standing history of responsible account management, I respectfully request a goodwill adjustment to remove the late payment from my credit report. 

This adjustment would not only reflect my overall commitment to responsible credit usage but also strengthen my continued relationship with XXXX. I appreciate XXXX history of working with customers who demonstrate responsible financial behavior, and I kindly ask for your consideration in removing the negative mark from my credit history as a goodwill gesture. 

I look forward to a favorable resolution and appreciate your time and assistance in this matter. Please provide confirmation once my request has been processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am submitting this complaint regarding a XXXX past due payment that was reported on my XXXX Bank Delaware account XXXX XX/XX/XXXX. I have been a loyal XXXX cardholder since XX/XX/XXXX and have maintained a consistent and responsible payment history for the past 6-7 years, with this being the only late payment on record.

At the time of the late payment, I encountered an isolated circumstance that led to the delay. However, since that event, I have taken proactive steps to ensure that it never happens again, including setting up automatic payments and payment reminders to maintain my excellent credit standing.

Unfortunately, this single 30-day late payment from XXXX continues to negatively impact my credit profile, limiting my ability to secure favorable financial opportunities such as lower interest rates and better loan terms. Given my long-standing history of responsible account management, I respectfully request a goodwill adjustment to remove the late payment from my credit report. 

This adjustment would not only reflect my overall commitment to responsible credit usage but also strengthen my continued relationship with XXXX. I appreciate XXXX history of working with customers who demonstrate responsible financial behavior, and I kindly ask for your consideration in removing the negative mark from my credit history as a goodwill gesture. 

I look forward to a favorable resolution and appreciate your time and assistance in this matter. Please provide confirmation once my request has been processed.

Company response to consumer: Closed with non-monetary relief