vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Prosper Cards is charging me a paper statement fee on my closed credit card account. Normally a consumer could opt-in to electronic delivery to avoid this fee, but Prosper prevents closed accounts from accessing the online portal. This means I have no ability to choose electronic statements or avoid these fees. 

The company is required to provide statements, but I do not believe they can impose a fee that I have no meaningful ability to avoid. This appears to be an unfair practice, as I am being charged for a required disclosure without an alternative option. 

I am requesting the CFPB investigate and direct the company to refund these fees and provide account access or remove the unavoidable paper statement charge.

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 2025-11-04 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: CA

Complaint narrative:
I am writing to dispute the following accounts listed on my Equifax credit report. These accounts are reported as charged off, and I believe they are inaccurate or incomplete. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Dispute : The account is reported as charged off, but there are discrepancies in the reporting of payment history or balance. I request an investigation into the accuracy of this account. 

Inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mortgage Research Center, LLC
State: CO

Complaint narrative:
MORTGAGE RESEARCH CENTER , LLC DBA XXXX XXXX XXXX XXXX # # # Summary of Complaint Veterans United Home Loans ( VA Refinance Overcharges ) I am a 100 % XXXX veteran with an existing XXXX mortgage. I applied with Veterans United Home Loans for an Interest Rate Reduction Refinance Loan ( IRRRL ). The Loan Estimate I received reflected {$14000.00} in closing costs on a {$410000.00} refinance, which is more than 3 % of the loan amount. 

Under 38 C.F.R. 36.4313, VA lenders may charge only a 1 % flat origination fee plus limited allowable third-party costs. Veterans Uniteds estimate far exceeded this cap. Despite this, the lender represented the loan as compliant with VA rules and requested acknowledgment of the estimate. 

When I questioned the excessive charges, the loan officer acknowledged the costs were too high but stated the loan would be denied for not meeting the VAs XXXX recoupment rule. This explanation was misleading and pretextual, as the true reason for the denial was the lenders noncompliance with VA fee regulations. 

This practice reduces veterans home equity, disguises inflated charges within the loan balance, and undermines federal protections established to prevent exactly this kind of abuse. Veterans Uniteds actions appear to be intentional, systemic, and deceptive, constituting both a violation of VA lending standards and Regulation Z ( 12 C.F.R. 1026 ) under the Truth in Lending Act.

I am submitting this complaint to request investigation, enforcement, and potential penalties for deceptive lending practices that target XXXX veterans through inflated refinance costs.

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 2025-11-04 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Investigation of Negative Items on My Credit Report Dear Experian, I am writing to dispute certain negative items on my credit report issued by Experian on [ Date of Report ]. I believe that the following entries are inaccurate and need to be reviewed : XXXX. XXXX XXXX XXXX - Charge-Off, Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX - Charge-Off, Balance : {$8400.00}

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 2025-11-04 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I forgot to switch my bills and stop transfers from ny card si ce I had moved my XXXX XXXX to a different account. Therefore my wells Fargo card was being charged and there was no money in the account. I cleared the negative balance by depositing {$600.00} but wells Fargo would give me and of the {$35.00} later charges back to my balance.

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 2025-11-04 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: MN

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. These accounts are inaccurately reported and I am requesting a full investigation and correction : XXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX  - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX  - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX  - Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$440.00} Additionally, I am disputing the following inquiries listed on my credit report : XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Regarding late payments, the following items require review : XXXX - Account # : XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX Account # : 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 2025-11-04 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: TX

Complaint narrative:
Dispute of inaccurate or unverifiable information reported by credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX ( Account ending in XXXX, XXXX opened XX/XX/XXXX ) This account is being reported as charged off, but I have not received proof of validity or documentation showing that it is accurately attributed to me. The reporting may contain incorrect balance or status information. 
Requested Action : Please investigate this account with the furnisher and delete it if unverifiable. 

XXXX XXXXXXXX XXXX  ( Account ending in XXXX, XXXX opened XX/XX/XXXX ) This account appears inaccurately as charged off. The reporting may not reflect correct balance, payment history, or ownership details. I am requesting Equifax verify the information with supporting documentation or remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
An account from Transworld System Inc It is appearing on my credit report that I do not recognize. I have never had an account with this company. I asked for verification under FDCPA, but they have not provided proof that I owe this debt. I believe this is an error in a violation of the FCRA and FDCPA. I request the CFPB 's Help to have this account properly investigated and removed if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a 100 % service connected XXXX veteran. I had to file bankruptcy several years ago. I guess I was misunderstood, and believed the private studenet loan that XXXX wrote off was part of the bankruptcy. According to the lawyer he said he would have had to file additional paperwork and he did not. We believed he did. Fast forward to today, this debt has been sold to XXXX XXXX XXXX XXXX XXXX  who are suing me in Texas. The last payment on this debt was in 2016. The debt should be time bared but the judge is letting it go forward. I am about to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am disputing inaccurate information being reported by XXXXXXXX XXXX XXXX  on my credit report. The account shows a XXXX XXXX XXXX status with a balance of {$1100.00} and a credit limit of {$800.00}. The balance being reported is incorrect and inconsistent with my records, as the account was charged off for a different amount and has not had any additional charges or activity since that time. 

Additionally, the account reporting dates appear to be inaccurate and are affecting my credit unfairly. I have already disputed this item directly with the credit bureaus, but the issue was not corrected. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXXXXXX XXXX XXXX verify the accuracy of all reported information or delete the account from my credit file if they can not provide proper documentation supporting the current balance and reporting dates. 

Please investigate this matter and provide a written response with the documentation used to verify the reported data.

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 2025-11-04 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Paramount Recovery Systems , L.P. has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief