vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am reaching out because our Escrow Balance is not correct. Because this incorrectness started back in XXXX when Mr Cooper paid two Hazard Insurances : one to XXXX XXXX for {$1600.00} on XX/XX/XXXX and XXXX to XXXX for {$1400.00} on XX/XX/XXXX. These two insurance payments was paid a month apart and Mr Cooper did not catch it. The one for XXXX was correct. But, the one for XXXX XXXX was not to be renew. 

Also, another payment of {$2500.00} was paid to XXXX XXXX on XX/XX/XXXX. 
When I notice these discrepancies, I immediately called Mr Cooper in XXXX of XXXX, and spoke to a female representative. I explain the problem to her and she assure me that all the corrections was made and completed and that no other Insurance payments to XXXX XXXX or XXXX would be made. 

I proceed to calling XXXX XXXX to make should that the policy was cancel and I canceled XXXX policy too. Our new XXXX XXXX is with XXXX. 

I also paid {$1000.00} on XX/XX/XXXX to our XXXX account. 

Because of these discrepancies now our XXXX balance is almost {$2000.00} negative, because discrepancies was not caught and corrected. Now, we are suffering the incorrectness and imposition demand to pay because of Mr Cooper doing and not of our own. 

Please your attention to this claim is appreciated and an update of this matter would be much thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Below is the 3rd mail complaint/dispute that I sent to Santander.

This is my 3rd email now after making multiple phone calls and speaking to supervisors and disputing the reversal of the electronic payment made XX/XX/XXXX on XX/XX/XXXX. I have so far spoken to Supervisors XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

I demand a phone call from XXXX XXXX XXXX, Head of the Customer Service Center or another XXXX to review my dispute. Not a supervisor. 

I have attached for the 3rd time copies of bank statements proving that the funds were available at the time the payments were made and were never reversed to either the XXXX XXXX or XXXX XXXX  checking account. 

I am ready to hire an attorney and sue Santander Bank and employees for theft and fraud and for making me waste hours of time to get this ERROR/FRAUD dispute resolved. Somebody reversed and lost/stole my XX/XX/XXXX {$500.00} payment and I am XXXX!!! If my credit history is affected I will sue Santander Bank for defamation of character as well. 

FYI, historically I have made payments on the first week of the month rather than the last week of the month based on monthly cash flow. I am currently withholding payment of the XX/XX/XXXX installment until Santander Bank corrects the reversed XX/XX/XXXX payment and the interest charges based on proof that I have provided via Bank Statements showing the funds electronically paid from the XXXX XXXX account on XX/XX/XXXX yet mysteriously being reversed more than 30 days later on XX/XX/XXXX. Both the XXXX XXXX and the XXXX XXXX  statements show proof funds were always there and were NEVER charged back to either account. 

One additional note, Santander Bank is charging me extra interest on the reversed {$500.00} and a late fee and the additional days of interest on the payment I am withholding because of the erroneous/fraudulent payment reversal. I plan to sue and collect for that as well if this matter is not corrected. 

I have documented these emails and phone calls and they will be used as evidence of Santander Banks lack of concern with getting to the bottom of this and correcting the payments to my account and abusing a small customer. 
My phone number is 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 2025-02-15 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: FL

Complaint narrative:
My credit profile was compromised and these accounts I never gave permission to open up, It has destroyed my credit and need these accounts removed

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 2025-02-15 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian, Equifax, and Transunion 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.

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 2025-02-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed an about by XXXX that was not made by me, and that I had no knowledge of ( I WAS XXXX  WHEN IT WAS REPORTED ). I had disputed it and never received any information on it. This was negligent and I had assumed it had been taken care of but it is still on my credit. 
I recently disputed another account but Im fairly sure it will not be taken care of by any of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sold an item through PayPal, shipped it using XXXX, and provided a valid tracking number ( XXXX ) proving that the item was delivered on [ XX/XX/year> ]. The buyer falsely claimed they didnt receive the item and it was shipped to the wrong address while the item was still in transit and just delayed because of California XXXX, and PayPal XXXX my payment on hold. Despite proving the item was delivered, my funds remain on hold, violating XXXX seller protection policy. 
I have contacted PayPal multiple times, but they refuse to release my money. This is an unfair withholding of funds, and I request the immediate release of my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation for disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX, XXXX XXXX XXXX Department of EducationXXXX and All previous addresses need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This collection has not been properly validated by debt collector. I do not have a contract with this debt collector. Lastly, this collection is reporting inaccurately, please delete this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
i writte this to request to remove all those colection on my credit report becuase transunion, experian and all the company have me with diferent address where i didnt leave. my address is wrong and also my name is wrong please, i been protect by the laws of 15 SC 1681 s 2 also to not gave or share my information with any company or person. 
then since all those mistake you should remove all this colection where they have my name wrong and also most of that information should be remove from my credit report because also time line is past.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-02-15 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: NC

Complaint narrative:
I disputed an about by XXXX that was not made by me, and that I had no knowledge of ( I WAS XXXX  WHEN IT WAS REPORTED ). I had disputed it and never received any information on it. This was negligent and I had assumed it had been taken care of but it is still on my credit. 
I recently disputed another account but Im fairly sure it will not be taken care of by any of the credit bureaus.

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 2025-02-15 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: FL

Complaint narrative:
Re : Request for Removal of Inaccurate Late Payments Dear Sir/Madam, I am writing to formally dispute the late payment records appearing on my consumer report with your agency. The following late payments have been reported inaccurately and require correction : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX  Status Paid, Closed Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between myself and the creditor reporting the data. Late payments fall under this category and should not be included in my consumer report.

Additionally, I am requesting verification of the reasonable procedures followed, as required by 15 U.S.C. 1666 ( b ), to ensure that each periodic statement was mailed at least 21 days before the payment due date, along with all required disclosures under Section 1637 ( b ) of Title 15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Experian ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$26000.00} from XXXX XXXX XXXX Account XXXX XXXX The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently reviewed my credit report and discovered inaccurate information that is negatively impacting my credit profile. The errors include incorrect account details, inaccurate balances, and/or outdated negative items that should no longer be reported. 

Despite my efforts to resolve this issue, the inaccurate information remains on my report. I am requesting an immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please review and update my credit report accordingly. I appreciate your prompt attention to this matter and look forward to a written response confirming the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
To whom it may concern, Upon reviewing my consumer reports, I have identified discrepancies in the reporting of late payments associated with my account. Specifically, I have found inconsistence of late payments on the following account : Account Name : XXXX XXXX Account Number : XXXX As a responsible consumer, I have always made timely payments on this account and take great care in meeting my financial obligations. Therefore, I am concerned that these late payment entries do not accurately reflect my payment history. Given the importance of accurate and truthful reporting, I respectfully request a thorough investigation into these discrepancies. 

Please provide supporting evidence demonstrating the late payment status, such as statements or other relevant documentation. If such evidence can not be provided, I request that these entries be corrected immediately to reflect an accurate on-time payment history, as I have consistently upheld my payment commitments without delay. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you in advance!

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
identify you and your account. 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: LA

Complaint narrative:
Recently, I did an investigation on my Equifax credit report and saw that there was an inquiry from XXXX XXXX  that was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact XXXX XXXX  attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet one out of the five sheet contract from XXXX XXXX. I requested for XXXX XXXX  to provide documentation in regards to charge off account and the complete contract with XXXXXXXX XXXX XXXX XXXX  attorney office failed to provide the complete original contract requested and one sheet out of the five sheet document was presented making me question if this account is fraudulent. I have also filed a FTC complaint in regards to this matter and I have attached affidavit, Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. Failure to accurately report the status of a debt that has been canceled or written off. Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, Equifax, and XXXX ). I am providing the following supporting documentation for your review : Copy of the 1099-C issued by XXXX XXXX for XXXX XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet one of original contract. Any responses or lack thereof from the creditor or credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX complies with all applicable consumer protection laws. Thank you for your time and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
I refinanced my mortgage which consolidated all my debt. This included my loan with Santander Consumer USA. As with all closings, the title company called and requested a pay-off amount. The closing took place late XX/XX/year> and all checks were mailed to me for forwarding. I logged into my online account prior to mailing Santander a check. The check that I was about to mail was more than what I owed. This prompted a telephone call. The clerk reassured that the overpayment and title would be mailed to me. I've been waiting for said documents which I haven't received. I called today and they indicted I still owed {$710.00}. In addition, I noticed they charged me {$810.00} for interest for 1 month after receiving my payoff amount of {$21000.00}. I'm not sure how this is possible and it's unfair. I feel I'm being mistreated and overcharged since the loan was for only a few months instead of full term.

Company response to consumer: Closed with explanation