vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NVR INC.
State: MD

Complaint narrative:
I entered into a contract to purchase a home built by XXXX XXXX and used NVR Mortgage as the in-house lender. During the process, I was charged a float down fee of {$4900.00}, which was intended to allow me to adjust my interest rate if market rates improved. I also paid a non-refundable {$550.00} appraisal fee, which I accept as valid since the appraisal was completed. 

However, the process revealed significant issues with XXXX XXXX, which directly impacted the transaction. The house that XXXX XXXX built was different from the model home initially shown to us and was smaller in length than what was agreed upon. Despite these discrepancies being their fault, XXXX XXXX refused to compensate for the difference. This situation forced us to terminate the contract, as we were not willing to accept a home that did not meet the original specifications. 

Additionally, due to ambiguity in NVR Mortgage 's communication, it was unclear how the float down fee would be utilized. It was presented as either part of a float down option or a portion of the down payment. Since we decided not to proceed with the purchase and financing through NVR Mortgage was not utilized, I believe the float down fee should be refunded in full. Retaining this fee is unjustifiable as the service for which it was paid was never used. 

Supporting documentation, including emails, the float lock agreement, and formal communication from my legal representative, is attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX  XXXX -- - AC # XXXX -- Date opened- XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Their website clearly states they do not pull a hard credit inquiry as not affect to your credit score, But when i filled out the application on their website they actually pulled my credit through XXXX XXXX, It was not a soft pull has advertised Then they said i was approved for {$900.00} but later denied it after giving them my banking information stating based on my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Experian is violating my rights under 15 USC 1681 ( i ) Reinvestigation of disputed information ( A ) In general If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 
Upon reviewing my consumer report, I noticed that several old addresses, employment records, and telephone numbers remain listed, despite my previous requests for their removal. This information is no longer accurate and could potentially misrepresent my current credit situation. 

The specific entries I would like to request for removal are as follows : Old Addresses : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX kindly ask that you review my account and take the necessary steps to remove this outdated information. I believe it is important for my credit report to reflect my current situation accurately.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2025 CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Debt Request for Validation Dear Caine & Weiner, I am writing to formally dispute the alleged debt referenced in your recent communication, account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including the following : XXXX. Verification that I am legally responsible for this debt. 
XXXX. A detailed account statement showing how the amount was calculated. 
XXXX. A copy of the original contract or agreement with my signature. 
XXXX. Proof that your agency has the legal right to collect this debt. 
XXXX. The name and contact information of the original creditor. 

Until this information is provided, I request that you cease all collection efforts, including reporting this debt to any credit bureaus. If this debt is found to be inaccurate or unverified, I expect it to be removed from my credit report immediately. 

Additionally, if you attempt to report this debt without proper validation, it will be considered a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). In that case, I will consider pursuing further legal action. 

Please provide all requested documentation in writing to the address listed above within XXXX days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 unauthorised Hard enquiries on my account which are : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I filed 3 disputes on accounts : XXXX XXXX XXXX Account # XXXX, Credit Collection Services Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX due to inaccurate information. I believe these accounts are inaccurate and request its removal based on several consumer protection laws. XXXX denied following up with the investigation. I recently was notified that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results, and accurate investigations on disputes. This aligns perfectly with my situation as my disputes were closed within a day. XXXX has not attempted to remove, nor correct any information. I'm requesting these derogatory accounts or remarks be removed or corrected immediately as it is affecting my chances of getting a home loan and is not accurate. XXXX violates my rights as a consumer, as well as federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I filed 3 disputes on accounts : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX due to inaccurate information. I believe these accounts are inaccurate and request its removal based on several consumer protection laws. XXXX denied following up with the investigation. I recently was notified that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results, and accurate investigations on disputes. This aligns perfectly with my situation as my disputes were closed within a day. XXXX has not attempted to remove, nor correct any information. I'm requesting these derogatory accounts or remarks be removed or corrected immediately as it is affecting my chances of getting a home loan and is not accurate. XXXX violates my rights as a consumer, as well as federal laws.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been a victim of identity theft through the XXXX Equifax data breach and the most recent XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. Collections are illegal according to the FDCPA. Debt collectors have harassed me, added fees to the accounts listed, and much more. Also, I did not allow for the original creditors to share my information to the collectors for the debt. The debt has been sold, therefore, I do not owe this debt to the collectors and will not be paying it. I do NOT have a contract with the COLLECTORS, only the original CREDITORS. THIS IS ALSO HURTING MY CHANCES OF BUYING A HOME/OBTAINING A MORTGAGE. With this being said, I need these collections removed from my credit report immediately!!!

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft through the XXXX Equifax data breach and the most recent XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. Collections are illegal according to the FDCPA. Debt collectors have harassed me, added fees to the accounts listed, and much more. Also, I did not allow for the original creditors to share my information to the collectors for the debt. The debt has been sold, therefore, I do not owe this debt to the collectors and will not be paying it. I do NOT have a contract with the COLLECTORS, only the original CREDITORS. THIS IS ALSO HURTING MY CHANCES OF BUYING A HOME/OBTAINING A MORTGAGE. With this being said, I need these collections removed from my credit report immediately!!!

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX I received a text from Chime about a fraud alert. The text asked if I used my chime card at a XXXX XXXX XXXX. I replied no and they called me and told me someone closed my credit and savings account with Chime and my checking account needed closed to prevent money being taken. They text me an email address and told me to use their pay anyone to send my remaining balance of {$760.00} and I would get my money back when my account was closed and a new one was opened.He said it would take XXXX hours and after I didnt received my money I called Chime. The representative had no idea of what I was talking about, she said my account was never closed. I called back two more times with no help from them at all. I filed a dispute and they denied it the next day. They stole my money and I want to know what I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: IL

Complaint narrative:
In XXXX of 2024 I reached out to the lender to request a loan modification for reduced payment. The lender refused. Reached out few more times and each time refused. I explained that my housing payment was to double and I was trying to get ahead of that. The lender was less than helpful. They would not accept a lower payment and refused to give an address to send payment to. Then had their in-house collection team to contact me where I explained again all of the information that I they already have. They spent weeks giving me the runaround so that they could sue me, which they did. In every correspondence I kept saying the amount that I could pay. They refused to give a payment address. I filed a response to their lawsuit stating the same information as here. They have now given yet to another collector who also sucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist ofXX/XX/XXXX ( {$360.00} ) XX/XX/XXXX ( {$150.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist ofXX/XX/XXXX ( {$360.00} ) XX/XX/XXXX ( {$150.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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