vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am writing to formally request a review of my mortgage account which is currently serviced by SPS XXXX Servicing. My loan was originally refinanced during the XXXX during a period of widespread predatory lending and mortgage fraud taking place. I sought the help through Hud and XXXX offered an in-house modification. 
Unfortunately, this modification did not reduce my burden and despite making payments for over twenty years I still owe virtually the same principal balance that I did when the modification was completed. This raises serious concerns about the legality and accuracy of the loan terms, accounting practices and servicing transfers. 
Refinanced prior to XXXX crash by a company that is not longer in business that was linked to mortgage fraud activity. 
Modified in house by XXXXXXXX XXXX  after HUD involvement ; Current servicer is SPS XXXX Servicing. 
Home was pruchased in XXXX Original Loan balance {$400000.00} Refinanced in XXXX {$75000.00} Current balance {$430000.00} This outcome suggests that I may have been subject to : A predatory modification that failed to address negative amortization or reduce principal. 
Unfair or deceptive servicing practices. 
A loan structure that may violate state and federal consumer protection laws. 
I am requesting the following immediate actions : 1. A complete forensic accounting of my mortgage history, including how each payment has been applied. 
2. A determination whether my loan terms or modification or modification qualify as predatory or fraudulent under NY law. 
3. A review for principal reduction, loan restructuring, or other corrective relief to resolve the fact that decades of payments have not reduced my debt. 
4. A formal written response from SPS and regulatory review by CFPB/DFS . 
I respectfully request that this matter be investigated as a possible case of mortgage fraud, predatory lending, or improper servicing transfer. 
I am prepared to provide documentation, including my original loan papers, modification agreement and payment history. 
Thank you for your urgent attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Representative,\nI am disputing the account stated above previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify these items. But how is that possible? Under the laws of the FDCPA, I have contacted the creditor myself, and they have failed to properly verify (*pursuant to FDCPA standard/guidelines) that this is indeed accurate.\n\nAccounts in Dispute: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  enclose copies of my requests to the CFPB and the Creditor asking the creditor to validate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items.\n\nThe Fair Credit Reporting Act requires you to verify the validity of this within 30 days. If the validity cannot be verified, you are obligated by law to remove it from my credit file. I urge you to remove these items before I am forced to take Legal Action.\n\nIn the event you cannot verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area.\nSincerelyXXXX 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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Despite previous attempts to dispute this information directly with the company and the credit bureaus XXXX XXXX XXXX continues to falsely associate an old account with my name. Recently, they even sent a document or sheet that has absolutely no connection to me or any account I have ever held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried to open an account and the refuse without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
My credit card account ( my user ID : XXXX ) was closed on or around XX/XX/XXXX. At the time of closure, the account carried a large credit balance ( money owed to me ) .According to the online activity summary on [ XX/XX/year> ], the balances were : Last Statement Balance : $ XXXX {$73.00} $ Current Balance ( Final Credit Balance Due to Customer ) : $ XXXX {$190.00} XXXX The expected refund was the full Current Balance of $ \ {$190.00} $ .However, the final refund check I received from Discover was for only $ \ {$8.00} $ .This means that $ \ {$190.00} $ ( {$190.00} expected refund minus {$8.00} received ) was either consumed by unexplained charges or clawed back/reversed after the account was closed. The company has failed to provide a final itemized statement or a clear explanation for this significant deduction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple accounts currently appearing on my credit reports that I believe are inaccurately reported, unverifiable, or not associated with me. These accounts include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiplXXXX XXXX entries ( including accounts XXXX and XXXX ), XXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The dates associated with these accounts range from XX/XX/XXXX to as recent as XX/XX/XXXX. After carefully reviewing my credit reports, I have reason to believe that some or all of these accounts contain errors whether in account status, payment history, balances, or ownership. These inaccuracies negatively affect my credit profile and may be the result of misreporting, identity confusion, or inadequate verification during reporting. These reporting issues may violate FCRA 607 ( b ), which requires that all information on a credit report be as accurate as possible, and 611 ( a ), which mandates a proper and reasonable reinvestigation when a dispute is filed.

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 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these accounts be reviewed, and if they can not be verified, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal , Inc. repeatedly failed to honor my selected default payment method, charging an unintended credit card across multiple transactions despite my explicit configuration preferences within my PayPal account settings.

This occurred for at least twelve ( 12 ) transactions totaling {$2400.00}, with individual amounts as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

As a direct result of these incorrect charges, I incurred an estimated 3 % financial loss ( {$72.00} ) due to lost cashback and additional fees associated with the unintended funding source. 

Customer Service Admissions : I contacted PayPal customer support several times regarding this issue and escalated to a supervisor. During one of these recorded support calls, a PayPal representative acknowledged that the platform was at fault and that the transactions were charged to the wrong funding source despite my account being correctly configured. 

However, instead of offering a reimbursement or internal correction, PayPal advised me to file disputes with my credit card issuer for each transaction an impractical and inappropriate solution for a systemic platform error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX has been calling for payment. I don't have an outstanding bill. I have not had XXXX XXXX service in over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Taxes are due XX/XX/year>, but they will not disburse payment until XX/XX/year>. This will result in fines and penalties for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAS IGNORED MULTIPLE FORMAL COMPLAINTS FILED THROUGH THE CFPB, XXXX, XXXX, AND XXXX. DESPITE MY CLEAR HARDSHIP NOTICE AND REQUESTS FOR WRITTEN COMMUNICATION ONLY, THEY CONTINUE TO ADD LATE FEES AND ALLOW COLLECTION CALLS TO OCCUR. THEIR RESPONSES THROUGH THE CFPB XXXX HAVE BEEN PENDING OR NONSUBSTANTIVE FOR WEEKS, INDICATING STALLING AND BAD FAITH. I MADE A GOOD-FAITH PAYMENT ON XXXX AND STILL RECEIVED ADDITIONAL LATE FEES. THIS COMPANY IS KNOWINGLY VIOLATING CONSUMER RIGHTS AND IGNORING ACTIVE INVESTIGATIONS.

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 monetary relief
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : INSURANCE SELFREPORTED-Collection XXXX - collection- opened on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXX  inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX  inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX  XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX inquiried XXXX XX/XX/XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-21 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: GA

Complaint narrative:
I am sending as a consumer who values financial integrity and accurate reporting. After recently reviewing my credit file, I noticed several entries that appear inconsistent with my actual credit history. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information and request a thorough reinvestigation of the accounts listed below and, like a small but important chapter in my financial story, I ask that any item you can not fully and positively verify be permanently removed so my report reflects the true record of my responsibility ; imagine the relief of turning the page to a clean, accurate items of my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am sending as a consumer who values financial integrity and accurate reporting. After recently reviewing my credit file, I noticed several entries that appear inconsistent with my actual credit history. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information and request a thorough reinvestigation of the accounts listed below and, like a small but important chapter in my financial story, I ask that any item you can not fully and positively verify be permanently removed so my report reflects the true record of my responsibility ; imagine the relief of turning the page to a clean, accurate items of my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation