vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts thats Ive marked as innaccurate. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts thats Ive marked as innaccurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 proce 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 47.61 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-01-24 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2025-01-24 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:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2025-01-24 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-24 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved.

The inaccurate item ( s ) incorrect balance, late payment incorrectly reported, or an account that does not belong to me.

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Rocket Mortgage bought my XXXX XXXX XXXX mortgage I had with XXXX XXXXThis property is a duplex with one mortgage. There has been continuous insurance coverage on it for over 10 years. The policies renewed XX/XX/XXXXXXXX XXXX XXXX XXXX, Rocket notified me that I did not have coverage and threatened " lender placed insurance ''. I talked to a Rocket agent. I uploaded the requested verification of insurance as they requested. I received an email and a letter in the mail dated XX/XX/XXXX, stating " Our records show that you have your own policies on the property and we have updated your loan to reflect that. This letter is simply to notify that we have cancelled all steps on our end towards placing a policy on your loan ''. On XX/XX/XXXX we again received another threat of " lender placed insurance ''. I uploaded all the information again of my insurance coverage. On XX/XX/XXXX, Rocket informed me that insurance information has been reviewed and updated. No further action is required at this time. On XX/XX/XXXX, I received an email stating, This email is to inform you that we have reviewed the recently submitted document ( s ) and are unable to proceed with updating the policy information. I feel harassed by Rocket and hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filling a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to request an investigation of the following account I have NEVER opened or used the account listed below. I'm requesting the following inaccurate information below to be deleted from my Early Warning cosumer report immediately : XXXX XXXXL ( OPEN DATE : XX/XX/year> ), ( ACCOUNT : XXXX XXXXXXXX ), ( XXXX  : XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address an issue with TransUnion regarding fraudulent information on my credit report as a result of identity theft caused by the XXXX and XXXX data breaches. Under 15 USC 1681c-2 ( a ), I have the right to request that these fraudulent items be blocked from my credit file. Despite providing documentation to support my identity theft claim, TransUnion has failed to appropriately address or remove the erroneous information. I kindly request your assistance in ensuring compliance with this law and protecting my credit file. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX Balance - {$0.00} XXXX Balance - {$0.00}

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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to deposit via XXXX a paycheck I had received from a previous employer, while doing so I noticed a check cashed transaction I was unfamiliar with, taking money out of my account. I called capital one to report this fraudulent activity and they closed my checking account and then requested I open a new checking account, they said there was no way they could put a stop payment on this transaction and this was the course I was required to take. Upon trying to open an account, I was denied being able to open account even though I have banked with capital one for over a decade. Now I have no use of my account, my account is negative, they can not open a new account manually for a week, I have kids and a significant other to support, now I can't, now I can not use my debit card, I have to re-arrange all my direct deposits from residual income I have that comes in, and I have no new account number to be able to do this. The check I deposited won't be available until the XXXX because the new account won't be available until the XXXX and today is the XXXX. This also puts me behind on my auto payment which is also with capital one. I asked to speak with a supervisor and they couldn't do anything to help fix this. Now I have no access to my money, They were unwilling to put a stop pay on a fraudulent transaction I discovered on my account and my debit card doesn't work and can not be linked to a new account. It kind of seems to me that they just wanted to close my account so they can have a new account opening instead of servicing my account and putting a stop pay on that transaction for a check I did not write and a business I have no business with. This is completely frustrating. Capital one, once again, forcing customers to do things they did not want to do, and then to have an account open for over a decade, have it closed without my request, and then deny me opening a new account, per their instruction, absolutely no okay and not called for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX 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 of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



These are the actual accounts that are inaccurate, XXXX XXXX, Account # XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor 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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I need to have an escrow analysis done on my mortgage loan. The wrong amount is being taken. 
My real estate taxes yearly are XXXX PER MONTH. This is for the whole year. 
My homeowners insurance is XXXX XXXX and the yearly premium is XXXX. 
On my XX/XX/year> statement the lender PAID FOR 2 insurances The bank paid on XXXX XXXX XXXX insurance for XXXX to old insurance company AND they paid for the new insurance which is correct for XXXX I send back the entire check for XXXX and on my statement of XXXX XXXX XXXX it shows that this check was placed in UNAPPLIED BALANCE. It should not have been all placed in unapplied balance. It should have been divided for the PAYMENT and the rest in escrow Because of this, my payment has gone up and it is a recording error on SPS behalf. 

I would like to have this unapplied amount left after payment moved to escrow, and a new escrow anaylis run on the correct amounts. 

Real estate tax should be XXXX per month XXXX  should be XXXX per month The 2 of those add up to XXXX per month. I know that a escrow cushion is required HOWEVER, My escrow is now showing XXXX per a month,, This needs to be corrected and reanalyzed Please fix this ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Recovery Remedies Corporation
State: PA

Complaint narrative:
I have a charge off auto loan on my credit report. My original creditor was XXXX. I called XXXX to try and settle the debt. They said they no longer have it and was given to Recovery Remedies XXXX. The number I was given for them does not work. That number was ( XXXX ) XXXX. I looked up Recovery Remedies XXXX on the XXXX XXXX XXXX XXXX website and they list three numbers for them. Those numbers being one of them I just listed above and the other two are ( XXXX ) XXXX and ( XXXX ) XXXX. None of these numbers work either. Also, when talking to my original creditor ( XXXX ), they gave me another number to call. That number was XXXX ( XXXX ) XXXX. I called this number and they are called XXXX. I was able to speak to someone there but they pull nothing up with my personal information regarding any type of account. I'm just confused to why this debt is still on my credit report if I can't find the new creditor who has it, its like it vanished but is still affecting my credit report. I want it removed, seemingly I can't settle it. The reported balance on this account is {$8200.00}. I got this number off of my XXXX, it also says last reported XX/XX/year>. Where are they getting this info from if I can't get ahold or find anything on this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am writing to formally request assistance in resolving several issues I have encountered with my credit report. These include the listing of incorrect accounts, fraudulent accounts, unauthorized inquiries, and accounts that do not belong to me. 

The specific issues are as follows : Inaccurate account listings : There are accounts listed on my credit report that do not belong to me. I request that these accounts be investigated and removed. 

Fraudulent accounts : Some accounts on my report appear to be fraudulent. I request these be flagged and removed from my credit history. 

Unauthorized inquiries : I have noticed credit inquiries made without my consent or authorization. These inquiries should be deleted. 

Billing errors : There are discrepancies in the reporting of certain accounts. These should be reviewed and corrected.

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