vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My son has a home mortgage serviced by Shellpoint Mortgage. I am a co-signer on his loan. My son is XXXX, legally XXXX, and I help him with making his payments each month after he receives his XXXX payment. 

I made the following mortgage payments via ACH through my son 's XXXX XXXX  account : XXXX XXXX, XXXX - Paid {$1200.00} ( {$1100.00} mortgage payment for XXXX, {$35.00} late fee, {$20.00} NSF ) - CF # XXXX XXXX XXXX, XXXX - Paid {$1100.00} ( XXXX payment -was told late fee waived ) - CF # XXXX XXXX XXXX, XXXX - Paid {$1100.00} ( XXXX payment -again told late fee waived ) XXXX  # XXXX XXXX XXXX, XXXX - Paid {$1200.00} ( XXXX payment - {$1100.00} plus {$35.00} late fee since it was never waived as promised ) Received XXXX, XXXX, Shellpoint Mortgage statement showing only current payment for XXXX due plus late fee due ( copy attached ) XX/XX/XXXX - checked account online and saw that my XXXX, XXXX and XXXX payments were reversed. I called Shellpoint, spoke with XXXX XXXX for XXXX minutes. He could not explain how or why my payments were reversed and abruptly disconnected call. I called Shellpoint back, asked to speak with XXXX but was told they could not connect me to XXXX. I spoke with XXXX XXXX for XXXX minutes, again explained everything to him. He told me they showed receiving all of the payments but that we have a balance of {$3700.00} for XXXX, XXXX and XXXX payments of {$1100.00} each, {$100.00} late fees and {$20.00} NSF. He said the XXXX XXXX, XXXX XXXX and XXXX XXXX payments must have been reversed. He could not explain why. I asked him how a payment ( XXXX XXXX ) could be reversed after 64 days and he told me he could not answer that question. I asked him to get someone on the phone who could answer my question. He transferred me to a XXXX, XXXX XXXX There was so much background noise that I could not hardly hear him. He told me that he would call me back so we would have a better connection. OF COURSE, he did NOT call me back.

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
They keep calling me and others in my family looking for me. This has been going on for months. I have no knowledge of who they are or who they are calling on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding an incident of unauthorized access to my credit report by a creditor. I believe this action is a violation of my rights, and I am requesting your assistance in resolving this matter. 

The specific details of the incident are as follows : Creditor Name : M & T BANK XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Reason for Dispute : I did not provide authorization to this creditor to access my credit report, nor did I initiate any business or credit relationship with this entity at the time of the inquiry. 

I have reviewed my credit report and noticed an unauthorized inquiry by the creditor listed above. According to the Fair Credit Reporting Act ( FCRA ), only parties with permissible purposes are allowed to access my credit information, and in this case, there was no authorization provided by me for this action. 

I have attempted to resolve this issue with the creditor directly by sending multiple letters. However, I have not received a satisfactory resolution or explanation. 

As a result, I am requesting that the CFPB investigate this unauthorized inquiry and take appropriate action to ensure the removal of this inquiry from my credit report. I would also appreciate any guidance on steps I should take to further address this issue and protect my rights moving forward. 

Enclosed, I have included copies of my credit report showing the unauthorized inquiry. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I never lived at XXXX XXXX XXXX XXXXXXXX, GA XXXX, this information is not ACCURATE & should be removed 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I never lived at XXXX XXXX XXXX XXXXXXXX, GA XXXX, this information is not ACCURATE & should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app request my social security number to open an account but cant link any new accounts made with previous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NV

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 non-monetary relief
Consumer complaint received 2025-02-13 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: NY

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 non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  XXXX - XXXX - {$2000.00} XXXX  - XXXX - {$3500.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am providing an update on my complaint against Chase Bank regarding their repeated delays and mishandling of the release of funeral funds for the mother of XXXX XXXX. 

Since my last update : 1. Chase lost or misplaced the physical documents they required me to submit in person at a local branch. 
2. Chase then instructed me to email the documents to their executive officials, which I did. 
3. Now, Chase is changing the verification process again, stating that a phone verification is required instead. 
4. Today, XX/XX/XXXX, a Chase Executive insultingly offered to return the checkan action that myself and XXXX XXXX requested back in XX/XX/XXXXXXXX yet Chase refused at that time. 

This offer is completely unacceptable because : Had Chase honored our request in XX/XX/XXXXXXXX this situation could have been avoided. 
Instead, Chase delayed this matter for six months, while XXXX XXXX has been decomposing in my funeral home due to lack of funding for burial services. 
Now, after putting the family through unnecessary distress and disrespect, Chase suddenly presents this as a solution, ignoring the damage they have already caused. 

I urge the CFPB to intervene immediately and ensure Chase : 1. Finalizes and adheres to a single, written verification process. 
2. Releases the necessary funeral funds without further delay.

3. Provides a senior decision-making contact to ensure proper accountability.

Chase has mishandled this matter at every turn, demonstrating gross negligence and a complete lack of urgency and respect. The XXXX family and my business can not afford any further delays. 

I request immediate assistance from the CFPB in holding Chase accountable and expediting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my XXXX XXXX Reward Certifcate. It can be redeemed at XXXX or by direct deposit. In order to direct deposit I have to agree to give Citi Bank and Plaid access to 12 months of my bank statements and transactions and 2 years of bank tax statements. That seems extremely intrusive. All that should be needed is the routing and account number. 

Why is there no way to apply the reward as a simple credit to the credit card for future purchase?

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 2025-02-13 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of all reported accounts from my credit report. Despite my repeated disputes, Equifax and TransUnion have failed to conduct a proper investigation into the inaccuracies and errors affecting my credit profile. Their negligence has resulted in continued harm to my financial standing, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. However, Equifax and TransUnion have failed to comply with this requirement, leading to erroneous and misleading information remaining on my report.

Furthermore, their failure to ensure the accuracy of my credit file violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. Because of these violations, I request that all reported accounts be removed from my credit file immediately.

As a result of these violations, I am prepared to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for statutory and actual damages, attorney 's fees, and punitive damages in cases of willful or negligent noncompliance.

I request that the CFPB take immediate action to investigate these violations and ensure that Equifax and TransUnion fulfill their obligations under federal law. I demand that all reported accounts be removed from my credit report and that both agencies provide a written statement confirming their compliance.

Please find enclosed copies of my dispute letters, supporting documentation, and previous correspondence with Equifax and TransUnion for your review.

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 2025-02-14 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: GA

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


XXXX has violated my rights. 

XXXX has violated my rights. 

EXPERIAN has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
The credit card Company is American Express, with an address of : XXXX XXXX XXXX XXXX XXXX, Tx XXXX, and a contact phone number of : ( XXXX ) XXXX. 

This company is reporting to the credit bureaus, information of the balance used on an account. However, they're not reporting the credit limit. They are incorrectly only reporting a {$0.00} credit limit.

I called them on multiple occasions to inform them that by not reporting the {$2000.00} limit in spending that I was, and by only reporting the balanced used, is affecting the Credit Utilization Ratio, to which is an important factor within the process of determining the consumer 's credit scores.

American Express is saying that they don't report a limit because there isn't any. However that is incorrect, because when I log into my account via app and click on [ card management ] link, and stroll down to [ request pay over time limit increase ], this takes me to a page that states that my " Current Limit '' is {$2000.00}, and that my " Available Limit '' is {$1700.00} So if a current spending limit can be generated within an application, why is such a big problem to generate that same information within the reporting to the Credit Bureaus?

I do believe that this company American Express is a really great company and I've always wanted to have an American Express card, but I was always at the bottom of the totem pole of the great credit which was always required. And now that I'm finally able to get am American Express card, I'm somewhat disappointed with this bit of unfairness with their reporting system.

I've tried calling them and speaking with everyone from the representatives to their supervisors and judging from the conversations, I can tell that these great people that I spoke to, knew and understood exactly where I was coming from, however there is a programmed script, with a line that know one has that ability to cross, so I am hoping the CFPB can help to convey this message, and I pray that our current President will see and understand the needs of why we Americans need Bureaus like this.

Summary : To sum it all up ....

By American Express only reporting the amount of the balance spend on an account and not reporting the current credit limit for that same account, is affecting the Credit Utilization Ratio, that happens to be a very important factor to determining credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: NV

Complaint narrative:
We have had XXXX variable rate savings account & XXXX variable rate XXXX  savings accounts with Discover Bank for several years. Discover Bank has been great until recently when they started cheating us out of interest they should have credited to all XXXX accounts. The interest rate and the number of days in the months were identical for XX/XX/XXXX & XX/XX/XXXX for all XXXX accounts, yet Discover Bank credited less interest to all XXXX accounts in XX/XX/XXXX than was credited in XX/XX/XXXX. Interest is paid for the month from the first day of the month to the last day of the month. 

When I called Discover Bank on XX/XX/XXXX to find out why we were paid less interest they said the interest rate was changed in XX/XX/XXXX, yet the interest rates shown on our accounts for the XXXX  months did not change. Screen shots and downloads attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Permission was given to DOE to pull credit for credit worthiness. Instead they transferred it to a alleged Servicer by permissible purpose, which can not be transferred from one entity to another entity. Do not having any contractual agreements. US Dept of ED is to extend a line of credit. XXXX and XXXX knowingly without a permissible purpose is called identity theft. Any legitimate business is not a reason to constitute permissible purpose.

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