vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Under FCRA ( 15 U.S.C. 1681i and 1681s-2 ) Dear EXPERIAN, I am writing to formally dispute the accuracy of a late payment reported on my credit file for the account listed below. This reporting is either factually inaccurate, incomplete, or unverifiable, and I am requesting its immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Account Information : Creditor : XXXX Account Number : XXXX Reported Late Date : [ XX/XX/year> ] Disputed Item : Late Payment Reporting Legal Grounds for Removal : 1. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes information. 2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that if the information can not be verified, it must be deleted promptly. 3. 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information must investigate disputes, correct inaccuracies, and report results to credit bureaus. If the late payment can not be fully verified with proper documentation ( timestamped notices, etc. ), you are required by law to delete this derogatory information. Continued reporting of unverifiable or inaccurate information after notice is a violation of federal law. I demand that this negative mark be removed immediately from my credit report. Please complete your reinvestigation within the required 30-day timeframe and confirm the outcome in writing.

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 2025-05-13 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  ( XXXX XXXX XXXX, XXXX, TX XXXX ) XXXX  ( XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX ) XXXX  ( XXXX. XXXX XXXX, XXXX, PA XXXX ) Subject : Dispute and Demand for Arbitration XXXX XXXX Account Account Name : XXXX XXXX Account Number : XXXX Amount Disputed : {$19000.00} Dear Credit Bureau Representative, I am writing to formally dispute the reporting of a charged-off account by XXXX XXXX XXXX in the amount of {$19000.00}. This account is appearing on my credit report with your agency, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I previously contacted XXXX XXXX requesting a Form XXXX for this alleged charged-off debt. A XXXX is required to be issued when a creditor cancels {$600.00} or more in debt. Despite my request, I have not received this form from XXXX XXXX. If the debt was truly canceled or forgiven, this document should have been issued to both the IRS and me. The absence of a XXXX raises questions about the accuracy and legality of this accounts reporting. 

In accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding the following : 1. Immediate investigation into the accuracy and completeness of the reported XXXX XXXX account. 
2. Immediate deletion of this account from my credit report if it can not be verified in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

3. Written confirmation of the outcome of your investigation within 30 days of receipt of this letter.

4. Details of the furnishers response, if any, along with any documentation provided to verify the account. 

Demand for Arbitration Notice : Additionally, I hereby notify you that I am demanding arbitration under any applicable arbitration clause or agreement between myself and your agency or XXXX XXXX. If applicable, please provide a copy of any arbitration agreement you believe governs this dispute. 

Please consider this letter a formal notice of dispute and intent to exercise all rights under federal and state law, including the pursuit of arbitration, if my rights are not upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
Subject : Complaint Regarding Delays and Mishandling of Mortgage Application with M & T Bank Complaint Summary : I am writing to formally file a complaint regarding the mishandling and significant delays of my mortgage application with M & T Bank, which has severely impacted my ability to close on a property. Despite multiple requests for clarity, transparency, and an expedited process, I continue to face continuous and unresolved issues with my mortgage application. 

Details of the Complaint : 1. Application Mishandling and Delays : I submitted my mortgage application with M & T Bank for a property located in XXXX, MD. The process has been ongoing for an extended period, with multiple additional requests for documentation being made, even after I have complied with previous requests. Every time I meet the requirements, a new list of requests is provided without clear justification or timeline. 
2. Failure to Provide a Clear Timeline : Despite escalating the matter to higher management within M & T Bank, I have not been provided with a specific timeline for closing, nor have I received a clear list of final documentation requirements. This uncertainty is causing significant distress and delay in my ability to finalize my home purchase. 
3. Lack of Communication and Transparency : I have tried multiple times to obtain clear and transparent answers, and each time, I have been met with delays or vague responses. I have even requested information about whether the current set of requirements will be the last or if further documentation will be requested, but I have received no definitive response. 
4. Potential Violation of Consumer Rights : The lack of communication, coupled with the delays and never-ending list of documentation requests, has caused substantial harm to my financial and personal situation. This behavior by M & T Bank has created undue stress and uncertainty, which I believe is in violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Transaction number # XXXX. In I never received a settlement for the year before my account was breached in cash app was giving people there settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WI

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
I was contacted via mail and email and phone for halstead financial who claimed XXXX XXXX the creditor my account for XXXX XXXX XXXX which was a scam in and of itself if a credit card is already had a judgment against me on in court assigned them my account now they sent me letters proving this so I paid off my debt making payments on time on a lowered agreed upon amount and it was paid in full. On the XXXX of last month XXXX XXXX XXXX out of XXXX XXXX XXXX XXXX filed an execution against me in court I tried to reply that it was already paid and my requests were being retracted in the XXXX for the XXXX XXXX XXXX  and so I called a lawyer of mine who had handled the case prior to ask which type of motion I needed since mine kept getting retracted. He offered to file and reach out to XXXX XXXX XXXX attorney XXXX XXXX XXXX and XXXX my lawyer called back saying that he had to file XXXX the attorney general and that I probably got frauded by halstead and XXXX XXXX as well in an email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Formal Complaint to CFPB : Capital One Credit Line Denial Date : XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding an unfair denial of a credit line increase to {$16000.00} from {$12000.00} by Capital One. Despite earning {$120000.00} annually as a XXXX XXXX and maintaining more than sufficient funds in my savings account of over {$200000.00}, Capital One denied my credit limit increase due to a returned payment. 

This returned payment was not caused by insufficient funds or neglect, but rather by a system error. Several months ago, I closed a Capital One savings account and transferred the funds to a new, active account, which I now use to pay my credit card. However, Capital Ones system has repeatedly attempted to pull funds from the closed account, triggering returned payments. I am unable to fully delete or remove this closed account from my profile, despite multiple attempts. 

In fact, there have been prior instances where Capital One waived interest fees after acknowledging this exact issue. Yet now, they have refused to waive the fee, even though the mistake was due to their system still linking to an inactive account. I was told I must wait 36 months for possible reconsideration, which I believe is unfair and not reflective of the full context. 

Additionally, I recently lost my brother and am still in the process of emotionally and financially reorganizing my life. I do not have the capacity to constantly monitor or fight with my Capital One account to ensure it uses the correct payment source. I expect systems to work properly, especially when the stakes involve my financial profile. 


I also believe it is unfair that capital one is making a ton of interest off of my money monthly and I am unable to obtain what I deserve off of an error. 

I am requesting that the CFPB review this issue and ask Capital One to : 1. Remove the returned payment flag caused by their systems failure, and 2. Reconsider my credit limit increase based on accurate information and my strong financial standing.

Thank you for your attention to this matter. I have attached this formal statement in support of my complaint and request a timely resolution. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
On XXXX XXXX I received an email to my older email XXXX from Money lion " New device sign in XXXX XXXX from united states ) I received two of the same emails back to back. I immediately called the company as this was not me who signed in or created the account., i got another email ( third email ) from MoneyLion same day XX/XX/year> sating " your phone number has been updated to acct XXXX. Which i also did not authorize or do myself. I called and talked to multiple reps to try and get more info on this said acct and what it is for. They refused to provide me with any info because i could not verify anything on the open acct. therefore i could not get any assistance at all from them. I contacted my bank because they had taken out over {$400.00} from my checking account. I told my bank i did not authorize or open an account with this merchant and to not allow further charges as i tried to dispute to get my money back. I have received more emails followed by more charges to my checking account. It has now hit my credit report causing my credit score to drop drastically. Someone opened a loan with these people and got funds claiming to be me and it was not. I need my money back, my credit report and score updated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
I am going through a divorce in XXXX XXXX XXXX, CA. I reached out to my lender and informed them of my intent to keep the house if I can or sell if the court orders me to sell. On XX/XX/XXXX, I informed the lender that my spouse left the marital home in XXXX and has not provided any financial support to me and the kids, as such, I am unable to make mortgage payment for XXXX. The lender sent me their loss mitigation application to complete and gave me till XXXX XXXX XXXX to provide all requested documentation. I provided the requested documentation by XX/XX/year>. Today I called the lender to inform them that I have uploaded the requested documents only to be told that since I'm going through a divorce, they won't offer a 6 month forbearance. This is misleading! The loss mitigation application listed divorce as one of the hardship conditions to request forbearance. Now the lender is telling me they don't offer forbearance, and they have already reported XXXX non-payment to the credit bureau. Also, the lender did not provide anything in writing stating that they were not going to process my application- I had to call for a representative to inform me. If they do not offer forbearance for a divorce, it should not be listed as one of the hardship condition options on the loss mitigation application. I am requesting that the lender pause my mortgage payment for 6 months, as stated in the loss mitigation application I completed. I am also requesting that during the pause period, that the lender should not report negative information to the credit bureau. I AM NOT ASKING FOR FORGIVENESS. I am asking for a 6 month pause while I wait for the court order with the divorce.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sentry Credit, Inc.
State: IL

Complaint narrative:
The credit card company Sentry Inc. Sent my daughter my credit card information. That is an invasion of my privacy. She is not on the account.This happened today XXXXIn the message they explained to her that I could settle my account for a specific amount.Theyhave my correct address and e-mail.Not sure why they felt the need to humiliate me in front of a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MN

Complaint narrative:
I am filing this complaint because the account in question contains reporting errors. I have previously disputed this with the credit bureau ( s ), but the issue remains unresolved. Specifically, the last payment date and the last date of activity reported on the account are inaccurate. I have attached supporting documentation showing these discrepancies.

I am requesting that the inaccurate information be corrected, or that the account be deleted from my credit file if the furnisher can not provide accurate and verifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation