vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
I want to give you a brief explanation of the horrible service i have gotten from Royal Pacific. I was given s Pc back in XXXX or XXXX of which no one communicated to me of it. No calls, No emails. Nothing. The PC that was given was in their portal and i asked if i can still take it and they said no and that i had to apply again. I asked for a manager and she told me to sumbit paperwork for an MAA. This was around XX/XX/year> Than I applied for a modification again in XXXX this was assigned to XXXX Id XXXX. I sent paperwork on XXXX and got ack letter about XXXX weeks later. After that No calls no emails nothing. I kept following up in the portal for 2 months and kept calling and i was advised that i was approved that i would get paperwork within a week. I believe this was around XXXX Never got anything. called back XXXX weeks later i was told needs to fix something would get paperwork in XXXX weeks. once again i hot nithing. Not a call email nothing. I kept checking in the portal and calling i asked the rep could it be because i am current since i have autopay I told her even though we are current we are struggling. We had to give up our jeep because we couldnt afford it. We are having issues with our teeth we havent gone because we cant afford it and literally have cut dowln on food and staying put at home. To top it all our insurance went up so payment weny up and the insurance company asked to install something in our home for flood inspection which will costs around {$800.00} to {$900.00} before XXXX or XXXX. XXXX i called i advised i am current and if that would affect it She told me no to keep making payments ( even tho my money is depleting and coming close to having nothing. So i kept in Autopay. I called in today and spoke with Perla ID ( PmD ). Not the sweetest person that told me that i was declined and that i would recive a letter by mail because i am current. after XXXX months of waiting and waiting i am told i am declined even though the portal does not show that. I been trying so hard to get this and ive gotten the runaround from this company. Please help me.

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 2025-01-30 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: DE

Complaint narrative:
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect, and I do not owe this amount. Please investigate and remove the incorrect balance from my report. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 
Account Name : XXXX XXXX XXXX XXXX XXXX. 
Inaccurate Information : The balance reported is not owed. Please investigate and remove the incorrect balance. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 
Account Name : First Premier Bank Account Number : Ending in XXXX Inaccurate Information : The reported balance and payment history are incorrect. The balance is not accurate, and the payment history is incomplete. Please correct the balance and update the payment history to reflect accurate information. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect and is not owed. Please investigate and update the account to show the accurate balance. 
Action Requested : Please delete or correct this information if not updated correctly within the XXXX timeframe. 


These accounts violate FCRA Section 605 ( c ) [ 15 U.S.C 1681c ], FDCPA 807 [ 15 USC 1962e ] ; FDCPA ), 15 USC 16921692p.

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 2025-01-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
I am a victim of identity theft, there are several inaccurate accounts and inquiries that I didnt authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 a victim of identity theft, there are several inaccurate accounts and inquiries that I didnt authorize

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 2025-01-30 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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I was the victim of a scam involving a fraudulent Cash App account with the username $ XXXX. The scam resulted in a financial loss of {$12000.00}. After realizing the transaction was fraudulent, I immediately requested a refund from the individual, but my request was declined. 

Subsequently, I contacted Cash Apps customer support team to report the incident and seek assistance with recovering my funds. Unfortunately, I was informed that a refund could not be processed, as Cash App does not have the ability to reverse transactions under these circumstances. 

In addition, I was advised by Cash App to send an additional payment of {$150.00} via the app in order to facilitate the recovery of my stolen funds. However, after complying with this request, the {$150.00} was also taken, and I did not receive any reimbursement for the initial {$12000.00}. 

I am requesting a thorough investigation into this matter and the recovery of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
XXXX marketplace try to purchase a couch from a lady that had her house burned down recently so I was helping her. She needed money for a XXXX to deliver the couch to us. Ive paid XXXX and then another XXXX specifically to this lady because I felt sorry for her then she started Giving different prices of the couch and delivery service to my daughter so I asked her to please send the money back to me via cash app. She tried to send the money back XXXX times {$250.00} was the amount but Cash App blocked it both times and said that it was for my safety. I had A Open dispute at that time with Cash App so I dont know why they would not send me the money back that I was requesting. And send it back XXXX times. Up until yesterday Cash App continued to tell me that they could not reimburse my funds because Ive basically was scammed by a stranger. This person was on XXXX marketplace, which is a stable and trusted platform so I feel that Cash App should reimburse me for the funding that Im out which is XXXX bucks. Please contact me with any other questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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.

Complaint narrative:
On, XXXX I was contacted XXXX regarding a charged-off debt they continue to claim is owed. However, they have refused to provide sufficient documentation to validate the debt. 

I specifically requested : A copy of the original signed agreement proving the debt is mine. They refused to provide this. 
A 1099-C form if the debt was canceled or written off, as required by IRS regulations XXXX They refused to provide this as well. 
Clarification on the debts statuswhether it is still owed, forgiven, or sold to a third party. 
Despite my requests, XXXX continues to report this charged-off debt, affecting my credit. Their refusal to provide proof of the debt and necessary documentation raises concerns about inaccurate credit reporting and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to intervene and require XXXX to : Provide a signature page proving I authorized this debt. 
Clarify whether they still own the debt or if it has been sold. 
Issue a 1099-C if the debt was written off and meets IRS criteria XXXX 
Correct or remove any inaccurate credit reporting. 
XXXXs lack of transparency and refusal to provide verification is causing financial harm. I request an investigation into their practices and appropriate corrective action.

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 2025-01-30 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Citi Bank Account. I open the account XXXX months ago deposited {$25.00} And made a few purchases. I left XXXX XXXX in there. I got an email saying my account was closed before I got approved for my federal refund for my taxes. I be called refund advantage to tell them they said I had to wait for the check to be bounced since they closed the account. Well they never did send it back. So once refund advantage has sent an email stating that my refund was receive and XXXX days later XXXX get my money, I am waiting on Citibank to send them the money since they told me my account was closed. However I am still yet to get my money and the refund advantage team are confused because they request to ge the check sent bank from citibank but they are still waiting for a response from CitiBank! I have callled numerous times and I keep getting told multiple lies. One day its my account is not closed. Its just temporarily restricted, but nobody can give me access to nobody can even access to check and resend the check out thats XXXX mistake. Others are saying that I have to wait XXXX  days or XXXX days. The Account specialist Who is in charge of my account said that she can not do anything until she contacts another department. So I am given the run around but my money is in their bank. I had even got an email stating that my account was closed the same day. I got my email for my refund. I cant find it. Im trying to find it for proof, but I know this bank is not doing the right thing with my money. And they are doing something fraudulent by not closing my account and taken my money and telling me my account is closed and refused me access to my own money that they took and wont return to sender!!

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The report is full of errors and considered invalid. They have failed to investigate issues raised over the last few years and continue to report false information that has prevented me from moving due to the low score that is populated from old information reporting and invalid information despite me proving that some if not all of the information is false. Also I have proven that they are reporting on a predatory loan that company admitted and its still on my credit report. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, XXXX and more. 

I want to bring to your attention that both Equifax and XXXX have faced legal action for similar violations. Specifically : Equifax XXXX XXXX XXXX : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. 
Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXX XXXX for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. 
XXXX Equifax Data Breach Lawsuit : Equifax has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. 

Given this history of legal violations, I am requesting that [ XXXX XXXX promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. 

I expect a response and resolution within the required XXXX period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The report is full of errors and considered invalid. They have failed to investigate issues raised over the last few years and continue to report false information that has prevented me from moving due to the low score that is populated from old information reporting and invalid information despite me proving that some if not all of the information is false. Also I have proven that they are reporting on a predatory loan that company admitted and its still on my credit report. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, XXXX and more. 

I want to bring to your attention that both XXXX and XXXX have faced legal action for similar violations. Specifically : XXXX XXXX XXXX XXXX : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. 
Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXX XXXX for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. 
XXXX XXXX Data Breach Lawsuit : XXXX has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. 

Given this history of legal violations, I am requesting that [ XXXX XXXX promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. 

I expect a response and resolution within the required XXXX period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.

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