vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a delinquency notice that a portion of my property taxes were unpaid. The notice I received showed XXXX installments of {$960.00}. XXXX was due XX/XX/XXXX ( delinquent after XX/XX/XXXX and the other was due XX/XX/XXXX ( Delinquent after XX/XX/XXXX ). 
I received the notice on XX/XX/XXXX, and immediately notified the company and was assured it would be taken care of, and I would not have to worry about any late fees or penalties. I mentioned several times it would be delinquent again if not paid by XX/XX/XXXX. 
No payments were issued until XX/XX/XXXX, in a bulk amount of {$2100.00} ( including both installments of {$960.00} and {$200.00} in late fees and penalties ). 
The entire amount of {$2100.00} was taken from my escrow account, meaning that I paid the late fees and penalties. 
In addition, XXXX days after the payment was made an escrow analysis was completed. During this analysis, none of these taxes were included. This obviously miscalculated the tax amount and brought my monthly payment down. 
At the end of XXXX I tried fixing both of these issues with the company and I just kept being advised the the tax team is working on it and it would be another XXXX business days. 
I contacted them almost every single week to fix this and as of today, nothing has been done other than the tax team saying that the taxes werent overpaid ( which wasnt my argument to begin with ). 
Now my monthly payment is less, until they can fix the issue. Then it will go up because they reduced it in the first place by miscalculating. 
I am told this issue is again escalated but also still waiting another XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AZ

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX my money was stolen from my account and transferred to someone else account. I was in the XXXX program which is a 2 years program and a little over {$5500.00} was transferred out my account to this guy which I press charges on. Now these are my social security checks and I was in this program for 8 months. I gave chime the police report number, the dates I was in this program, and more verbal information and I have desputed this claim 3 times I even ask to be put to the fraud department and they denied me that. I have been trying to get my money back for 2 months now with no luck they keep saying that I done it and I didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against cashapp ( Block , inc . ) due to unresolved and unhelpful customer service I have had multiple issues dating back to XX/XX/scrub>XXXX XXXX to present time cashapp failed to take timely action to fix the issues with the app and I continue to loose money unknowingly leaving my account unprotected from fraud and unfair charges to my cashapp account I have lost financially from this app and the actions of company and I seek appropriate treatment for this matter of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I'm trying to close this credit card from the company I call several times they say that not my numver that I'm using i tell them is my number my cell phone I never change it XXXX cm for they can give me how many points I got in my reward with jet blue they say I can not give you that information because your phone number doesn't match up our record I told them thats my number several times so I decide to tell them close this account they say you have to identify your self sending document I did it by fax I few times they still didnt want to closed my account

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am responding to the updated documents received regarding the alleged debt from LVNV Funding LLC/Resurgent Capital Services L.P . I am deeply concerned that the documents LVNV Funding initially provided contain another persons name and not mine. This raises serious legal issues under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Sending personal financial documents that belong to someone else as part of a collection effort against me is both a violation of my consumer rights and a potential privacy breach of the other party. 

This undermines the validity of the entire debt claim. I am now formally requesting : That this alleged debt be immediately removed from all credit reporting agencies That all collection efforts cease That the CFPB take further action, as this company has not validated the debt and has misidentified the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : 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 2025-05-22 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-22 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: WI

Complaint narrative:
UNDER THE ( FCRA ) 604 AND 609 YOU ARE REQUIRED TO ENSURE THAT ANY INFORMATION REPORTED ON MY CREDIT FILE IS ACCURATE, VERIFIABLE, AND AUTHORIZED UPON REVIEWING MY REPORT I NOTICED MULTIPLE UNAUTHORIZED INQUIRES AND ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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 writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am writing in response to your communication dated [ insert date of first contact ], in which you allege that I owe a debt. This is a formal notice that I dispute the validity of this debt, as provided for by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ).

Under this law, I am requesting that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that you are authorized to collect on this debt ; and A detailed accounting of how the amount you claim is owed was calculated. 

Please be advised that until you provide the requested validation, you are legally required to cease all collection activities, including phone calls, letters, or credit reporting related to this debt. 

If you are unable to verify the debt, you must stop all attempts to collect it and remove any negative information you may have reported to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Billing and reporting errors by the bank are harming my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), payments must be accurately reflected, yet mine were misrecorded, amounts miscalculated, and I wasnt given the required 21-day notice. These violations unfairly damage my credit and must be corrected.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I reviewed the report from XXXX and noticed a rental collection from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report which I can provide to support this. I disputed these fraudulent collections with the company XXXX. Please see the attached documents. I request to remove these collections from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I noticed on my credit report I have XXXX hard inquiries I did not make. I tried to find out more so I researched where they were from. The first inquiry had this information available : XXXX XXXXNETCREDIT Finance/Personal XX/XX/year> Inquiry Details Inquiry Date XX/XX/year> Inquiry Type Individual XXXX Info XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX no phone number available, I googled the company to see if I could call. I found out many others dealing with hard credit checks without authorization and scammy service. I will be reporting them to the XXXX. I provided the documentation I discovered below as attachments. 


The next inquiry I dont recognize is : XXXX XXXX  XX/XX/year> Inquiry Details Inquiry Date XX/XX/year> Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I was out to eat at a work lunch when I received notification from my credit card ( XXXX XXXX XXXX XXXX  ) that a lender performed a credit check. I do not have any credit services from this company. I never authorized XXXX to perform a credit check.When I tried to call it was a robot that asked me for my account information, which I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: ND

Complaint narrative:
I am filing a complaint against Discover Bank for supplying inaccurate and misleading information to the credit bureaus. 

Discover is reporting a XXXX late payment in XX/XX/year> on an account that was already canceled and forgiven. In XXXX, Discover issued me IRS Form 1099-C, officially canceling the debt. Once a 1099-C is issued, the creditor can not continue to report missed payments after that point, because no future payments were legally due. 

I disputed this inaccurate late mark with XXXX, but the information was verified as accurate presumably based on data provided by Discover. However, that is incorrect. The account should reflect a {$0.00} balance with no late payments after the cancellation date, in line with the Fair Credit Reporting Act ( FCRA ) and IRS regulations.

I am requesting that Discover : 1. Immediately update its reporting to remove the inaccurate 120-day late payment from XX/XX/year>. 
XXXX. Correct the tradeline to show a {$0.00} balance and no delinquencies beyond the date of the 1099-C issuance.

Attached are : A copy of the 1099-C A copy of the credit report showing the inaccurate reporting My previous dispute results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One charged off the credit cards & did not provide me with the XXXX c .. they wrote it off as a profit loss. I want the XXXX so I can write it off as income.They say there is still a balance even tho they got a tax break. It is inaccurate & im sure it's fraudulent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
As a customer with Citibank for over XXXX  years, I recently opened a new credit card account with Citi. However, Citibank and its associates have unfairly treated me likely based on my race. Despite of my long history with Citi and excellent XXXX XXXX, Citibank has declined my request for credit limit increases ; withhold my payment for over XXXX days not applied to the balance, even the payments has already cleared the origination banks within XXXX business days. The associates have shown clear rude attitude and played dirty tricks lying over the phone saying that was me asked him not solving my issue, so nothing he would do.

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
To : Santander Consumer USA XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of Auto Loan Reporting Stolen XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the continued reporting of a Santander auto loan related to my stolen XXXX XXXX XXXX . The vehicle was stolen in mid-2024, and I filed a police report immediately with my local law enforcement agency in Illinois. I also notified Santander Consumer USA shortly after the incident and submitted the necessary documentation to report the loss.

Despite this, the account is still being reported on my credit file as open and/or delinquent, and it continues to negatively impact my credit over a year later. I have made every effort to resolve this through the appropriate channels, and I am now requesting your full cooperation in doing the f

ollowing : 1. Investigate and confirm that the vehicle was reported stolen and no longer in my possession. 2. Cease reporting the account as open or delinquent, and correct or remove the tradeline from all three major credit bureaus ( XXXX XXXX XXXX  ). 3. Provide written documentation confirming Santanders resolution of this account. This situation has caused undue financial and emotional hards
hip. If I do not receive a timely response, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Illinois Attorney Generals Office.

If needed, I can provide the police report number and additional documentation confirming the theft. Please let me know how I can assist in expediting this resolution.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
XX/XX/year> I was transported to hospital er by XXXX. XXXX XXXX XXXX  and they were paid by my insurance. XXXX ems was called for an " assist '' which I did not request or authorize and their employee was actually picked up enroute about XXXX miles from the ER. The person did not do anything to me while in the ambulance for approximately XXXX minute ride. So I got billed {$500.00}.... tried several attempts to contact them about this double billing, especially since no services were provided. Got a couple paper bills, and then nothing. Months later find out they gave to Eastern Revenue in XXXX XXXX  and put a negative report on my credit file. Reached out to XXXX XXXX  times now and they do not respond. I would entertain negotiating a settlement with them, even though they provided no service to me whatsoever, but they won't even reply to my calls.

Company response to consumer: Closed with explanation