vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding serious concerns with the servicing of my mortgage loan by LoanCare, specifically related to an unauthorized principal balance increase, escrow mismanagement, and failure to respond to multiple requests for clarification and documentation. 

1. Unexplained Increase to Principal Balance LoanCare applied an unexplained {$12000.00} increase to my mortgage principal, raising the balance from XXXX XXXX XXXX during XXXX This adjustment was reported on my annual mortgage interest and tax form, but no explanation, supporting documentation, or advance notice was ever provided to justify this increase. I did not authorize a loan modification, forbearance, or any other agreement that would cause a capitalization of this amount. 

This unexplained addition may constitute a violation of the Truth in Lending Act ( TILA ), and I am requesting an immediate audit and explanation. 

2. Inaccurate Interest and Escrow Reporting The 2023 IRS Form 1098 issued by LoanCare reported the following : {$12000.00} in mortgage interest received ( Line 1 ), which appears inflated based on my actual payments. 
{$0.00} in hazard insurance payments through escrow, raising concerns about whether my property is properly insured. 
{$6000.00} in escrow deposits, but no clear explanation of how those funds were disbursed. 
{$2200.00} paid in property taxes, despite my local tax authority billing only {$1500.00}. This suggests either an overpayment or misallocation of escrow funds. 

3. Failure to Provide Escrow Analysis and Timely Responses ( RESPA Violation ) I have made multiple requests in writing for : An itemized breakdown of the {$12000.00} balance increase A copy of the annual escrow analysis Receipts for all tax and insurance payments made from my escrow account A full transaction history of my mortgage payments LoanCare has not responded to these requests within the 30 business days required by the Real Estate Settlement Procedures Act ( RESPA ).

4. Potential Financial Harm As a result of these discrepancies, I may be overpaying on my mortgage, and my financial standing has been negatively affected. This situation has caused significant stress and concern regarding the accuracy of LoanCares loan servicing 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was apart of an elaborate scam by a company called XXXX or XXXX that affected thousands of people and millions of dollars were stolen in total. I submitted many disputes for SERVICES NOT RECEIVED. My main concern is with 7 charges of {$1900.00} each. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted disputes for all charges against this merchant on XX/XX/XXXX. Citi closed my disputes on XX/XX/XXXX due to " not responding to a letter asking for more information ''. I NEVER received a letter in the mail, online, over the phone, or through the app asking for this information. I told Citi this and they said I can send in evidence and they MIGHT re-open the dispute. 

I submitted the evidence on XX/XX/XXXX and XXXX and Citi said they will " look into it ''. 

Other disputes I had against this merchant were closed in the merchant 's favor by Citi due to LIES AND FRAUD and not the reason why I submitted a dispute for. There are thousands of people being affected by this and Citi has been nothing but UNHELPFUL during the process. I would like them to actually sit down and read the EVIDENCE that I ( and thousands of others ) have been SCAMMED for thousands of dollars.

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 2025-05-06 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Company name : Optum ( formerly XXXX XXXX ) Account number : XXXX Issue type : Being charged for a service I didnt agree to / cancelation not honored Date of problem : XX/XX/XXXX Present Amount disputed : {$13000.00} Description : We signed an agreement with XXXX XXXX in XXXX but notified them via email on XX/XX/XXXX, that our product go-live was delayed and requested cancellation/suspension of the API production access. We explicitly stated we did not want to be billed while development was paused. 

As per Section 11.2 of the signed XXXX XXXX Channel Partner Agreement dated XX/XX/XXXX, either party reserves the right to terminate the agreement with written notice. Our communication on XX/XX/XXXX served as formal notice of termination, and no further services were used or rendered from that point. Continued invoicing and todays collection threat are therefore baseless and violate the contract. 

Despite multiple follow-ups over XXXX and no usage of the API service, XXXX XXXX  failed to cancel the account and continued to issue monthly invoices.

We received no service, never used the production environment, and received no confirmation of termination. 

As of XX/XX/XXXX, Optum ( now managing the account ) sent a final demand threatening collections. We view this as unjust billing and are requesting assistance from CFPB to investigate this vendors business practices and remove this invalid debt from our name.

Attach with the complaint is full email records, agreement signed, there last email sent to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
This complaint is not submitted in error. My credit report contains multiple inaccuracies and unverifiable information that are clearly impacting me negatively. I am extremely concerned and stressed by the consequences this is having on my financial well-being, and I demand immediate attention to investigate and correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
There are serious issues on my credit report that I can not ignore any longer. My personal information is incorrect, and as a result, there are accounts and entries showing up that Ive never opened or used. Its become clear that my file has been mixed with someone elses, and its affecting both my financial standing and peace of mind. This isnt just a mistakeits causing real stress and making it harder for me to move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent my sister {$700.00} on cashapp on XXXX the XXXX. On XX/XX/XXXX that money was refunded but still have not received it. We have contacted the bank and also have called cash app support and no change. It has been over a month now and still have not received that money back. It's neither in my sisters account nor in mine. I have the bank statements showing the amount sent but never received back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC XXXXg ( a ) ) and Regulation XXXX  ( XXXX XXXX XXXX ), they were required to send me a written notice of the debt within XXXX ( XXXX ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within XXXX days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to XXXX or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXXday notice requirement, their reporting and collection activity is unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC XXXXg ( a ) ) and Regulation XXXX  ( XXXX XXXX XXXX ), they were required to send me a written notice of the debt within XXXX ( XXXX ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within XXXX days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to XXXX or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXXday notice requirement, their reporting and collection activity is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Someone use my identity on a capital one card to address I never seen before. Ive never been there before and I would like to close that card and it was being used in my name. 
The total price was {$140.00} and I called capital one as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing to dispute a fraudulent credit inquiry that has been reported under my name and appears on my credit report. This inquiry was the result of unauthorized use of my identity, and I had absolutely no involvement in requesting or authorizing it. Let me be clear : I did not authorize this inquiry, nor did I initiate any application or transaction with this company. This is identity theft, and I refuse to let it impact my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm writing to dispute a fraudulent credit inquiry that has been reported under my name and appears on my credit report. This inquiry was the result of unauthorized use of my identity, and I had absolutely no involvement in requesting or authorizing it. Let me be clear : I did not authorize this inquiry, nor did I initiate any application or transaction with this company. This is identity theft, and I refuse to let it impact my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
Re : Discrepancies in Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding discrepancies found in my credit report, which was accessed on [ Insert Date of Report ]. The credit report was provided by the three major credit reporting agencies : TransUnion, Experian, and Equifax. 

Nature of the Complaint : The discrepancies I have identified in my credit report are as follows : Current Address Mismatch : TransUnion : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Experian : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : The credit reports from TransUnion and Equifax list the ZIP code as XXXX, while Experian lists XXXX. This difference may cause confusion and affect the accuracy of my credit report. 

Inconsistent Previous Address : TransUnion : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Experian : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Issue : Experian lists an extended ZIP code ( XXXX ) for my address at XXXX XXXX XXXX, while TransUnion lists only XXXX XXXX Additionally, Equifax lists a completely different address ( XXXX XXXX XXXX XXXX ). These inconsistencies should be addressed. 

Requested Resolution : I respectfully request that each credit reporting agency : Investigate and correct the discrepancies regarding my current and previous addresses. 

Provide confirmation of any changes made, including updates to my address information, so that my credit report reflects accurate data. 

If any information can not be verified, I request that it be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the actions taken. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
XXXX XXXX I FILED DISPUTES TO EXPERIAN THE INCORECT INFO ON MY CREDIT EXPERIAN HAS FAILED TO INVESTIGATE THE INCORRENT IN ON MY CREDIT FILE EXPERIAN ALSO HAS FAILED TO EXPLAIN OR NOTIFY ME OF THE CORRECTIONS ON M, Y CREDIT REPORT EXPERIAN ALSO HAS FAIULED TO REMOVE MY PREVIOUS ADDRESS AND JOB HISTORY AND PHONE NUMBERS OF MY CREDIT FILE EVERY TIME I CALL I CONTINE TO GET THE RUN AROUND STATINGB THEY CANT OPEN MY FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
Years ago I head ask them why were they putting false information under my credit record and I thought they had fixed that. But now they are adding more false information of me having student loads, insurance pendings, account pendings. I havent taken any loans whatsoever. Last time they were confusing me thinking i lived in Colorado, even after sending them my identification card and social. This the second time they are putting false information which is affecting my credit loans availability, because they are reporting false information to the companies. Now they have two case under my name. Be careful this is a Scam! They are not professional, this company mixes in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I was contacted by Security Credit Services regarding an alleged debt. However, they failed to send me a written notice of the debt within five days of that initial communication, as required under FDCPA 15 USC 1692g ( a ) and Regulation F ( 12 CFR 1006.34 ). I never received the required notice explaining the amount, creditor name, and my rights to dispute. They are now attempting to collect and/or report this debt without first fulfilling the legal requirement to provide proper written notice. I am requesting that the CFPB enforce compliance and require them to either validate the debt properly or cease all collection activity and credit reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments on my credit report : Account XXXX Original Creditor : XXXX Dates reported late : XX/XX/year>, XX/XX/year> Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

I am giving your company 10 days to respond to this matter. Failure to respond to this matter you must delete this from my credit report.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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