vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage was recently transferred to RoundPoint Mortgage. Since the transfer, they have mishandled my payments and are incorrectly charging me a late fee.

For years, I have consistently paid my mortgage in two half-payments one on the XXXX and one on the XXXX of each month. Both payments are made before the due date, and my prior servicer always credited them properly without issue. 

RoundPoint informed me that their policy is to place my early half-payments into a suspense account until a full payment is accumulated. Because of this self-created policy, they are attempting to charge me a late fee and are pressuring me to enroll in their biweekly payment program, which I do not want. 

The representative told me that the CFPB only requires full payments to be collected and used this claim to justify placing my early payments in suspense. This contradicts federal law. Under 12 CFR 1026.36 ( c ) ( 1 ) and 12 CFR 1024.35 ( RESPA ) : Servicers must credit payments as of the date received.

Servicers can not impose late fees resulting from payment misapplication.

Consumers have a 60-day grace period after a servicing transfer during which late fees and negative credit reporting are prohibited for any transfer-related issues. 

Servicers can not force a borrower into a different payment structure or penalize them for a payment schedule previously accepted by the prior servicer. 

RoundPoint is violating these rules by using its internal policy to override my established payment history, delay crediting my payments, and manufacture a late fee.

I am requesting CFPB assistance to : Remove the improper late fee Correct my payment history Confirm that my established XXXX and XXXX payment schedule will be accepted Confirm that RoundPoint can not require enrollment in a biweekly program I have paid on time and followed the same payment structure for years. This is a servicing error, and I request immediate correction under RESPA and Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am submitting this complaint because Experian is reporting several items that I believe are inaccurate or not properly verified. I have disputed these items with Experian, but they remain on my report without Experian providing proper documentation. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : XXXX I do not believe this account is being reported accurately, and Experian has not provided verification confirming the validity of this information. 

XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : XXXX This account appears inconsistent and unverified. I have not received documentation proving ownership, balance accuracy, or reporting validity. 

INQUIRIES I do not recall authorizing several of the hard inquiries listed below. I request proof of permissible purpose for each 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of this late payment and have not received verification. 

I request that Experian validate all disputed accounts, inquiries, and late payments, or remove any information that can not be fully verified in accordance with the 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 2025-11-21 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number 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 non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MS

Complaint narrative:
CFPB COMPLAINT Consumer : XXXX XXXX Creditor : Capital One Bank USA, N.A. 
Account Number : XXXX Summary : I am filing this complaint because Capital One and all three credit reporting agencies are reporting inaccurate, incomplete, and contradictory information concerning the Capital One credit card account listed above. 
Detailed Issues : 1. Inconsistent Date Closed and charge-off reporting.

2. Missing Date of Last Payment on XXXX XXXX XXXX 
3. Inconsistent or missing Date of First Delinquency. 
XXXX XXXX  reports charge-off months after status update. 
XXXX XXXX reports scheduled payments after charge-off. 
XXXX. Narrative/remark code conflicts across bureaus. 
7. High credit/credit limit reporting conflicts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I signed up for the American Express with a code for the XXXX welcome bonus points offer. Ive been an American Express card holder for three years and was so excited to get the platinum card. Since Ive had this card, its been nothing but a headache and having to fight back-and-forth with American Express and other companies in order to get a clear answer. I was originally supposed to receive XXXX bonus points and called immediately when my points came through as XXXX points the customer service representatives at American Express led me to believe that I wasnt able to receive that because this is all that I was able to receive out of that amount. Ive called multiple times spoken to all different areas of departments even the cancelling team department to see if there was anything they can do since Im considering actually closing my card and account. I was given so much misinformation by different representatives. Seems like at this point now it was some sort of scam or I was lied to not giving any clear answers and I havent been able to speak to anybody who seems to care or try to help me. 

Not to mention, since Ive had this card, theres been nothing, but having to fight to get the benefits of the actual card that they speak for like room upgrades, complementary airport lounge. It was nothing but a headache and a horrible experience and on top of everything else I just wanted to write a review and let other people know if theyve had the same experience that this must happen often.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
My existing credit card account with XXXX XXXX was acquired by XXXX XXXX  XXXX. I was not informed of the account change. The account number and the automatic payment settings were changed without prior authorization. The account then become delinquent and was reported as such to TransUnion. When I contacted XXXX to inquire about the account they refused to confirm the account number or that the account belonged to me. I was left with no choice but to report the account as fraudulent. When TransUnion was able to confirm that the account was in fact acquired from XXXX XXXX I proceeded to contact XXXX to payoff the balance of the now delinquent account and they refused to take payment. Only after 1 hour of speaking with a support manager on the phone was I given a PO Box to remit payment, and a new account number to submit for the payment. I am now left with a permanent delinquent report on my credit report that will adversely effect my ability to obtain credit in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am submitting this statement to dispute certain inaccuracies and incomplete information on my credit reports. These items are causing harm to my credit score and must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Saphire Reserve credit card promoted additional benefits to cardholders at the same time there was a large increase in the annual fee for the card. One of the benefits was for a {$150.00} ( per 6 month period ) credit for dining in resturants that participated in the XXXX XXXX XXXX. We dined out at a participating restaurant, the bill was {$120.00}. When the credit was not applied I called Chase, their reply was that " Sapphire Reserve Exclusive tables has not launched in your area yet '' If this is the case then I should receive a {$300.00} credit for a benefit that was marketed and promoted but not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
TransUnion failed to complete my dispute within the required FCRA timelines and is now in violation of 611. All disputed items must be deleted due to failure to verify within the statutory period.

I am filing this complaint because TransUnion failed to conduct and complete a reinvestigation of my mailed dispute within the statutory timelines required under the Fair Credit Reporting Act ( FCRA ). TransUnion is now in clear violation of FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ( B ) ( ii ), and 611 ( a ) ( 5 ) ( A ).

Timeline and Violations : 1. I mailed my dispute to TransUnion on XX/XX/year>. 
TransUnion later emailed me stating : Its been three days since we received your dispute. 
This confirms TransUnion received and logged my dispute in late XX/XX/year>. 

XXXX. Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion had 30 days to complete the reinvestigation.

That 30-day period expired in late XX/XX/year> with no results provided. 

XXXX. On XX/XX/year>, I mailed a formal Notice of FCRA Violation and Demand for Compliance to TransUnion via USPS Certified Mail. 
Tracking Number : XXXX Delivered to TransUnions XXXX XXXX XXXX XX/XX/year> at XXXX XXXX. 

XXXX. Under FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), TransUnion was required to mail written reinvestigation results within 5 business days of receiving my certified notice. 
That deadline expired on XX/XX/year>. 

XXXX. As of XX/XX/year>, TransUnion has : Not provided any mailed or electronic reinvestigation results Continued to falsely state still working on it well past statutory limits Failed to verify the disputed information within the 30-day timeline Applicable Law : Mandatory Deletion Under FCRA 611 ( a ) ( 5 ) ( A ) : If the information can not be verified, the consumer reporting agency shall promptly delete that item of information from the file.

Because TransUnion missed both mandatory timelines ( the 30-day reinvestigation period and the 5-day written results requirement ), the disputed items are now legally unverified and must be deleted, not reinvestigated further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
I am disputing the following account on my Equifax credit report. As a consumer working to repair my credit, I believe this account contains inaccurate or unverifiable information. I request that Equifax conduct a thorough investigation and either correct or remove any information that can not be properly validated. 

CHARGED-OFF ACCOUNTS UNAUTHORIZEDCOLLECTION, XXXX, XX/XX/year>, {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, for about 4 months I'd say I've been having a problem with Experian. I try to call so that I can update my contact information due to my phone number changing and can't access my account. I called Experian but the robot just talks and doesn't help either. It told me to go to the website but the website didn't help. XX/XX/XXXX i sent an email to them if they can help me with my account and can switch the number for me. As well on Wednesday i sent an email. I have not gotten anything back from them at all. Nor can I get pass a live agent. This is a lack of people not wanting to do their jobs. All i need help with is to get access and help with questions about my credit. I need this issue fix soon this is affecting me and a problem that should really be checked so others don't go this path!

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