vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX and the amount of {$650.00} from cashapp and XXXX the amount of $ XXXX from chase, I was not provided with any help or money back from them and my accounts got closed without any hesitation or care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

I request that my name be updated to reflect the correct information. 


XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the incorrect Incorrect Addresses listed above from my credit report. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In XXXX, XXXX we assumed a VA mortgage via Freedom Mortgage. In XXXX, XXXX Freedom Mortgage errantly paid {$1200.00} to the prior borrowers insurance company out of our escrow account. As a loan assumption customer, Freedom Mortgage restricts online account access and all support must be obtained via their phone support line. Following several contacts with customer support, I was assured reimbursement would be paid to my escrow account. This never occurred, so I emailed the company CEO with my concerns. He forwarded my email to a dedicated support XXXX, XXXX XXXX, who committed to support my case to completion. Between XX/XX/XXXX and XX/XX/XXXX I attempted to contact XXXX XXXX times via email with no response. During subsequent calls to customer support I was informed that loan assumption customers would be provided online account access beginning in XX/XX/XXXX so I agreed to re-address at that time. It is now XX/XX/XXXX and loan assumption customers still do not have the ability to access their mortgage accounts online and I have not received reimbursement for to the aforementioned payment of another individuals insurance policy out of my escrow account. Freedom Mortgage repeatedly states that a third party software provider is responsible for the lack of account access to loan assumption customers ; however, this issue has been going on for more than XXXX  months and Freedom Mortgage must be held accountable for this unacceptable service.

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 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-31 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: IL

Complaint narrative:
Dispute of Late Payment Reporting Violation of 15 USC 1666b Dear Sir/Madam, I am writing to formally dispute the late payment reports on my credit report associated with my mortgage account under your servicing. It has come to my attention that these late payments are inaccurately reported, and I believe they were incorrectly processed due to non-compliance with applicable laws, specifically 15 U.S.C. 1666b ( a ) and 1637 ( b ).

Under 15 U.S.C. 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement, which includes the disclosures required under 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. After reviewing my records and correspondence with your company, I have found that XXXX XXXX XXXXXXXX has failed to provide the required periodic statements with the necessary disclosures in a timely manner. 
I have previously requested proof from XXXX XXXX XXXXXXXX that the statements, including the necessary disclosures, were mailed or delivered at least 21 days before the due dates of my payments. This request was made in good faith under XXXX XXXX, but no proof has been provided to date. Without these disclosures being sent in compliance with the law, any reports of late payments are, in my view, both unfair and unlawful. 
Specifically, I have always made my mortgage payments on time and have never missed or been late with payments for the following months 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 I request that you immediately correct the inaccurate reporting on my credit report by removing any late payments associated with these months. Given that XXXX XXXX XXXXXXXX did not comply with the legal requirements for timely delivery of periodic statements and disclosures, I am requesting that these late payments be deleted from my consumer report to resolve this issue. 
If the information is not corrected or I do not receive a satisfactory response within the statutory timeframes, I will consider further actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 
Thank you for your prompt attention to this matter. Please provide a written confirmation once the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Dispute of Late Payment Reporting Violation of 15 USC 1666b Dear Sir/Madam, I am writing to formally dispute the late payment reports on my credit report associated with my mortgage account under your servicing. It has come to my attention that these late payments are inaccurately reported, and I believe they were incorrectly processed due to non-compliance with applicable laws, specifically 15 U.S.C. 1666b ( a ) and 1637 ( b ).

Under 15 U.S.C. 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement, which includes the disclosures required under 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. After reviewing my records and correspondence with your company, I have found that XXXX XXXX XXXXXXXX has failed to provide the required periodic statements with the necessary disclosures in a timely manner. 
I have previously requested proof from XXXX XXXX XXXXXXXX that the statements, including the necessary disclosures, were mailed or delivered at least 21 days before the due dates of my payments. This request was made in good faith under XXXX XXXX, but no proof has been provided to date. Without these disclosures being sent in compliance with the law, any reports of late payments are, in my view, both unfair and unlawful. 
Specifically, I have always made my mortgage payments on time and have never missed or been late with payments for the following months 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 I request that you immediately correct the inaccurate reporting on my credit report by removing any late payments associated with these months. Given that XXXX XXXX XXXXXXXX did not comply with the legal requirements for timely delivery of periodic statements and disclosures, I am requesting that these late payments be deleted from my consumer report to resolve this issue. 
If the information is not corrected or I do not receive a satisfactory response within the statutory timeframes, I will consider further actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 
Thank you for your prompt attention to this matter. Please provide a written confirmation once the necessary corrections have been made. 

Sincerely, 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I past, XX/XX/XXXX Ive been receiving unwanted emails from what appears to be PayPal for invoices of money requested payment for service I have no idea what for. I believe this was a phishing email and forwarded to the appropriate agencies such as PayPal, XXXX, FCC and my mobile carrier, XXXX. This had happened twice before in previous months and after forwarding these unwanted solicitation emails to investigate and complain, no action had taken place. I then filed a department of consumer affairs complaint on XX/XX/XXXX # XXXX against PayPal as an attempt to elevate this ongoing problem but with a more positive outcome. PayPal did respond on XX/XX/XXXX in a written response attached and my acknowledgment of there response and that not only Im I a victim here, so are PayPal as to this phishing scam. Now, this is happening again. See attached receipt invoice for {$690.00} I received in my email, XXXX recently. I did call PayPal today XXXX XXXX XXXX XXXX and spoke with a representative who I informed him of the above. Representative was quick, fast and just advised to delete the email and confirmed it was a phishing email. Working in federal law enforcement, in XXXX XXXX, I fully understand what Im doing but when I tried to inform PayPal to elevate this ongoing harassment emails and receive some sort of easement to forward this complaint and have a sense of assurance PayPal will take this seriously, I did not receive this response, only asking if theres anything else. I feel this is getting out of hand, even though PayPal may not be sending this email of invoice, some assuring response would have been helpful. Im filing this complaint for the second time in hopes to again, bring awareness to the corporate sector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern, I am disputing the late payments reported on my account with Mohela, as they are inaccurate. I have never been late on this account and request detailed documentation verifying these claims. If you are unable to provide clear, verifiable proof that these late payments occurred, I request them to be removed from my credit report.

The Fair Credit Reporting Act ( FCRA ) mandates that inaccurate or unverifiable information be corrected within 30 days. Given my responsible payment history, I ask you to take action to resolve this issue and ensure my credit report reflects accurate information.

Account Information : Creditor : Mohela Disputed late payments : XXXX reported I appreciate your help and look forward to your response. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to correct my consumer report to reflect my accurate home address, after several attempts and requests. Furthermore, they do not provide the means to request the removal of incorrect home addresses on their website. They use certain verbiage and only provide a few pre-selected options on their website which do not include the simple request to remove an incorrect or outdate home address that does not match the home address that is on my driver 's license. I can not receive any mail or documents at the incorrect address that they have listed on my consumer report, which also puts my information in danger when it comes to ID Theft. And I did provide them with a copy of my driver 's license several times. They're being incredibly deceptive and sneaky with this type of request. 15 U.S. Code 1681

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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I believe there is XXXX and XXXX XXXX associated with Wells Fargo 's auto loan program. I have an auto loan with Wells Fargo for roughly {$51000.00}. I called on XXXX XXXXXX/XX/year> to make a principle only payment of {$37000.00}. I was told the only way I can make principle only payments is by paying up to the daily limit of {$4900.00} every day until I get to the total amount I wanted to pay. Rather than making XXXX principle only payment, Wells Fargo is now forcing me to come back every day over a XXXX day period to schedule a payment. It is no wonder that Wells Fargo is always the subject of enforcement actions. I was never told when I applied for my loan that my principle only payments would be limited to {$4900.00} per day. I think this is unfair because it subjects me to additional interest.

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 2025-01-31 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I pulled my credit and I did not give written consent to anyone of the consumers to hard pull my credit and XXXX of them definitely have a clue or was aware of them pulling my information I would never allow this many pulls, and I have no business with XXXX of them listed below. 

XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app has failed to provide a valid live agent when matters concerning fraud, system errors, fraud attempts have occured throughout my creation of my account since 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This matter should of been revolved when I switched over phone companies.

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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have file multiple disputes, spanning 4 years with no resolution. 
My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 
Following the finalization of my divorce on XX/XX/XXXX I discovered several unauthorized accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within XXXX business days upon receipt of this letter. I also request a full investigation into this matter. 
I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal laws. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of dispute. Furthermore, equal facts actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), ask highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers proof of investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00}

Company response to consumer: Closed with explanation