vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I made a payment of {$590.00} on XX/XX/year>, but it was returned because I sold my vehicle on XX/XX/year>. The full balance of {$20000.00} was paid off shortly after. XXXX XXXX XXXX is stating that they did not receive the final payoff check until XX/XX/year>, and as a result, they are marking me as 30 days late on my credit report and have not reported that the Vehichle is paid in full when they already have received payment amount in full.

However, this is inaccurate because : 1. I no longer had possession of the vehicle after XX/XX/year>. 
2. The delay in processing the final payment was on XXXX end, not mine. 
3. I acted in good faith to ensure my loan was paid off in full. 

Despite contacting XXXX XXXX XXXX, they refuse to remove the incorrect late payment. This has negatively impacted my credit score, and I am requesting that the CFPB investigate and have XXXX correct the reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
While looking at my balances I noticed the following : - Loan # XXXX increased by {$180.00}. From {$6100.00} to {$6.00}, XXXX - Loan # XXXX increased by {$350.00}. From {$11.00}, XXXX to {$12000.00} - Loan # XXXX increased by {$220.00}. From {$10.00}, XXXX to {$10.00}, XXXX I called Advantage who is servicing my loan as my loans are all at a {$0.00} payment with 0 % interest and have been since XX/XX/XXXX. I did not take a forbearance which would require the interest to capitalize no the loan so I was not sure why the loan balances increased. 

I spoke with the Advantage representative at XXXX XXXX, today, XX/XX/XXXX. She notified me that the increase was due to the capitalization of interest. I again notified her that I did not take a forbearance since the government provided one in XXXX which capitalized the interest on the loans totaling nearly {$20000.00}. 

She stated that Aidvantage does not set the interest on the loans and therefore, from her research she was able to see that the capitalization could have occurred anytime since XXXX when I went into repayment. She was unable to pinpoint where the increased amount came from and suggested I reach out to the " Department of the United States Congress '' as they set the interest. She then stated that there was a system error when the Save plan was placed on my account ( which I never signed up for - I signed up for an IDR ), which made the interest a negative amount. The balance adjustment was to account for the interest in the negative amount. Further, the interest statement that I was able to download offline doesn't align to what I was told. 

As of now, no one can tell me where the additional balance came from on these loans and why the balances changed. I did not take any additional money out from the loans, the interest on the loans is not a balloon interest that increased and decreases. Given that no one can tell me why these loan balances increased, they should not be reporting as such. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
We have a home loan for about XXXX  years now, and this past year the mortgage and escrow account was transferred from XXXX XXXX to Shellpoint. For the entire duration of this loan and escrow account to date, the escrow account has always covered local property/school taxes and homeowners insurance. After transferring to Shellpoint this past year, we have been unable to have Shellpoint pay for the homeowners insurance they are required to pay per the escrow agreement. We spoke with agents in the customer service department XXXX XXXX department, and even the tax department several times. 

The latest points of contact were on XX/XX/25, XX/XX/25, and XX/XX/25. Initially, we were told that the homeowners insurance had already been paid and mailed out back in XXXX. Then, when our insurance company said they never received payment and we spoke with a few more agents, we were told that the escrow account does not cover homeowners insurance and that we could ask about adding it, but that it didn't cover it already. We explained to them that there must be an error on their part because the escrow account has always covered it. 

We verified with our insurance company, XXXX, that the homeowners insurance had always been previously paid by XXXX XXXX, and they verified this. This has been an ongoing battle over the phone with Shellpoint to try to get them to even acknowledge their financial obligation, much less pay it. They have led us on with extremely long lead times of XXXX business days to " attempt '' to get homeowners insurance added to the escrow account, and said that it may not be approved even after XXXX business days. 

Despite the bill being due on XX/XX/XXXX, it still has not been paid, regardless of the numerous calls that have been made. We are now at risk of losing homeowners insurance because of Shellpoint 's mismanagement and errors.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on A

utopay. 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 to be 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 1

637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-02-21 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: WA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-02-21 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: NM

Complaint narrative:
Experian, TransUnion and Equifax are reporting charge-offs that have been paid by guarantor and have been sold off to collection agencies. I am being harassed by these agencies with many calls seven days a week and late into the evening. 

Per my XXXX credit report, the following business ' with charge-off which have been paid by guarantor and sold to collection agencies. 

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 non-monetary relief
Consumer complaint received 2025-02-21 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: NM

Complaint narrative:
Experian, TransUnion and Equifax are reporting charge-offs that have been paid by guarantor and have been sold off to collection agencies. I am being harassed by these agencies with many calls seven days a week and late into the evening. 

Per my XXXX credit report, the following business ' with charge-off which have been paid by guarantor and sold to collection agencies. 

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX days ago I reached out to XXXX to get my account unlocked because they had locked it for identity verification purposes. Which they have done before and I've always passed. I've never violated their terms of use they've never indicated that I've made any improper transactions and for some reason they sent me an email recently that said that they were terminating my account that they would not tell me why and that they were holding all the funds in my account for XXXX XXXX  days for fears of loss prevention. And short of absolute hysteria I have no idea why they would have done such a thing and I really just want my {$18.00} that's in my account back on principal and will gladly walk away from their mediocre product. 

But there's no reason indicated for why they have denied my account which almost certainly is discriminatory based on third party data they acquired but did not independently verify and I'm appalled at their decision. Because I live my life in such a way that I inform people when they offend me and works to manage my network with transparency and resolve my disputes on facts. Then we'll obviously has a wild hair up their XXXX and wants to bang their chest because XXXX of their customer service agents got upset that I could provide all my documentation as expected. I just want my money back from my account and I'm not waiting XXXX days for it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Kriya Capital, LLC
State: NY

Complaint narrative:
this account was opened without my knowledge or consent. please remove as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX TRANSUNION XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Request for Removal of Information Under Section XXXX of the Fair Credit Reporting Act Dear TRANSUNION, I am a victim of human trafficking, and the information listed below on my credit report is a direct result of that trafficking. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : XXXX XXXX XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App (

Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

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 2025-02-21 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, TransUnion has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MI

Complaint narrative:
Name : XXXX XXXX, XXXX # : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Reporting Agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX At XXXX XXXX ( XXXX ) with a balance of {$5000.00} and XXXX XXXX XXXX ( XXXX ) with a balance of {$4600.00}. Also XXXX student loan accounts XXXX XXXX XXXX ( XXXX ) one with a balance of {$6200.00} and the other account balance of {$3600.00} on XX/XX/XXXX. Finally an auto loan account XXXX XXXX  ( XXXX ) on XX/XX/XXXX with a balance of {$15000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint under distress about the consumer agency Transunion as they are reporting an unauthorized inquiry on my consumer report. I am spoke to more than one representative and they are not being helpful to remove this inquiry. This new account has dropped my credit score and i and stressed. Please help as i can not get proper assistance from Transunion. I have already created an FTC as well. This is the inquiry info below. 

XXXX XXXX ( XXXX ) XXXX XXXX, 2025

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent American Express a 609 debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.

Company response to consumer: Closed with non-monetary relief