vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am a XXXX Veteran 100 % and do to pay Property Tax. I do not need an Escrow and explained this to Newrez and was informed, I had to continue to pay Property Tax in the Escrow Account, even though I was exempt. I submitted the documentation to show I was exempt from XXXX XXXX several times. They continued to fraudulently charge me for numerous months. When they finally stopped, I had to ask for a refund. I was informed I would receive a refund in the amount of {$3400.00}. I now can not access my account at all. I took a picture of what the message reported. I have been requesting this refund for over 7 months. Newrez reported they sent a check on XX/XX/year>. The check was never received by me, and I have notified them of this fact on 5 occasions. Every 30-45 days I receive the following message in a letter from Newrez, We are working to gather the requested information and will forward it to you as soon as possible. They sent me the copy of an alleged check and I informed them several times ; it was not received by me. 

I do not need an Escrow account ; I pay my own Homeowners insurance yearly. This is my third home and I have never had problems like this before. I want the {$3400.00}, refunded with interest and want to terminate the XXXX account. I put down a payment of 25 % on my mortgage loan. I did not use Newrez as my mortgage company. XXXX XXXX XXXX XXXX sold my loan within in 2-weeeks after my closing to Newrez.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: KS

Complaint narrative:
So back in XXXX, I close my account with Continental finance company my surge MasterCard because I was mad that they basically were charging me a $ XXXX  monthly maintenance fee which I was not aware of so I decided to close my account. The company enrolled me in a hardship program told me to pay {$15.00} a month. I wouldnt get any monthly maintenance fees any late fees and my interest rate will drop to 5 % well I have made all of my payments on time in XXXX. I paid the full minimum due, which was {$45.00} in XXXX. I paid {$20.00} however the minimum was only supposed to be XXXX so I paid XXXX dollars more. I have not made my XXXX payment yet. I have called this company multiple times. I have been told that my problem will be escalated and I will give a call back within three days that never occurred so I called back again today which is XX/XX/XXXX. I spoke to a representative. Who told me they will remove the late fee manually and they will also create a case and escalate my call once again and I should receive something back in three days. Of course it has not been three days just yet but being that I have been told this several times and I was apparently giving incorrect information about the hardship program. I would like someone else to reach out to the company about this. The guy that I spoke with Today said that if I dont pay the minimum balance due a {$45.00} a month and I only pay the XXXX which is what the hardship program agrees to that Im still gon na get late fees and theyre gon na report to the Credit no matter what that is not what I was initially told when I signed up for the hardship Program.

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 2025-09-10 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: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX  ) for violations of federal consumer protection laws related to their failure to provide proper proof of timely statement delivery and their improper reporting of account information to credit bureaus based on this situation. 
When I made the request, XXXX XXXX had only provided copies of statements, which is insufficient proof of actual mailing, delivery, or receipt. They did not provide : * Postal service delivery confirmation * Certified mail receipts * Electronic delivery confirmation with read receipts * Any other verifiable proof of actual delivery Based on these unproven delivery claims, XXXX XXXX has reported negative information to credit bureaus, damaging my credit profile allegedly based on missed payments. However, XXXX XXXX has failed to provide adequate proof that billing statements were properly and timely delivered to me as required by federal law. If you look at my payment history you will see I always maintain on time payments. This is a violation of the following laws : 1. VIOLATION OF TRUTH IN LENDING ACT ( TILA ) - 15 U.S.C. 1601 et seq. 
Under TILA and Regulation Z ( 12 CFR 226.5 ( b ) ( 2 ) ), creditors must provide periodic statements at least 21 days before the payment due date. XXXX XXXX has : * Failed to provide concrete proof that statements were mailed or delivered in a timely manner * Failed to provide delivery confirmation or proof of mailing beyond merely producing a copy of the statement * A copy of a statement is NOT proof that the statement was actually sent, received, or delivered in compliance with TILA timing requirements 2. VIOLATION OF FAIR CREDIT BILLING ACT ( FCBA ) - 15 U.S.C. 1666 The FCBA requires creditors to send billing statements at least 14 days before the due date. XXXX XXXX 's failure to prove timely delivery violates this requirement and undermines consumers ' rights to : * Receive timely notice of amounts due * Dispute billing errors within the statutory timeframe * Make informed payment decisions 3. VIOLATION OF FAIR CREDIT REPORTING ACT ( FCRA ) - 15 U.S.C. 1681 Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of credit information must follow reasonable procedures to assure maximum possible accuracy. XXXX XXXX has violated this by : * Failing to investigate the accuracy of reported information when the underlying basis ( timely statement delivery ) can not be proven * Furnishing inaccurate information based on alleged missed payments when proper billing notice may not have been provided

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 2025-09-10 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: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX  ) for violations of federal consumer protection laws related to their failure to provide proper proof of timely statement delivery and their improper reporting of account information to credit bureaus based on this situation. 
When I made the request, XXXX XXXX had only provided copies of statements, which is insufficient proof of actual mailing, delivery, or receipt. They did not provide : * Postal service delivery confirmation * Certified mail receipts * Electronic delivery confirmation with read receipts * Any other verifiable proof of actual delivery Based on these unproven delivery claims, XXXX XXXX has reported negative information to credit bureaus, damaging my credit profile allegedly based on missed payments. However, XXXX XXXX has failed to provide adequate proof that billing statements were properly and timely delivered to me as required by federal law. If you look at my payment history you will see I always maintain on time payments. This is a violation of the following laws : 1. VIOLATION OF TRUTH IN LENDING ACT ( TILA ) - 15 U.S.C. 1601 et seq.

Under TILA and Regulation Z ( 12 CFR 226.5 ( b ) ( 2 ) ), creditors must provide periodic statements at least 21 days before the payment due date. XXXX XXXX has : * Failed to provide concrete proof that statements were mailed or delivered in a timely manner * Failed to provide delivery confirmation or proof of mailing beyond merely producing a copy of the statement * A copy of a statement is NOT proof that the statement was actually sent, received, or delivered in compliance with TILA timing requirements 2. VIOLATION OF FAIR CREDIT BILLING ACT ( FCBA ) - 15 U.S.C. 1666 The FCBA requires creditors to send billing statements at least 14 days before the due date. XXXX XXXX 's failure to prove timely delivery violates this requirement and undermines consumers ' rights to : * Receive timely notice of amounts due * Dispute billing errors within the statutory timeframe * Make informed payment decisions 3. VIOLATION OF FAIR CREDIT REPORTING ACT ( FCRA ) - 15 U.S.C. 1681 Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of credit information must follow reasonable procedures to assure maximum possible accuracy. XXXX XXXX has violated this by : * Failing to investigate the accuracy of reported information when the underlying basis ( timely statement delivery ) can not be proven * Furnishing inaccurate information based on alleged missed payments when proper billing notice may not have been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: TX

Complaint narrative:
Perfect we can make the letter even stronger by explicitly stating that statutory damages are payable directly to you, the consumer, immediatel -- - Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Deletion of Discover Account FCRA 7-Year Violation 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 XXXX  Credit Bureaus : XXXX XXXX XXXX Account XXXX Discover Credit Card ( Negative Reporting ) -- - To Whom It XXXX Concern : I am formally requesting immediate deletion of negative reporting related to my Discover account. 

Violation 1. FCRA 1681c ( a ) ( 4 ) 7-Year Limit My Discover account has been reporting negative information for 7 years and 3 months, exceeding the legal reporting period. 

Negative items must be removed automatically after 7 years from the first delinquency date. 



2. Monthly Statutory Violations Payable to Consumer Each month this account continues to report after the 7-year mark constitutes a separate FCRA violation. 

Statutory exposure under 15 U.S.C. 1681n & 1681o : Up to {$1000.00} per month per reporting bureau, payable directly to the consumer for willful violations. 

3 months past limit XXXX bureaus = {$9000.00} payable to me immediately, in addition to actual damages and attorney fees. 






-- - Demand for Immediate Action 1. Delete the Discover negative account immediately from all reporting bureaus. 


2. Provide written confirmation that all deletions are complete.

3. Cease further reporting of expired negative information.

4. Statutory damages for each month past the 7-year limit must be paid directly to me immediately.

5. Provide documentation used to verify this account if deletion is not completed immediately.

-- - Supporting Documentation Screenshots showing balances, late payments, and reporting dates Affidavit of account age and previous dispute communications -- -- - Signature : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been determined to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been determined to my life and credit health

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Investment Retrievers, Inc.
State: WA

Complaint narrative:
Investment Retrievers won a default judgement on or about XXXX XX/XX/XXXX. The judgement was won due to me never being properly served. After several years of no contact around XXXX I was contacted and threatened with garnishments and other legal actions. At this time I asked what the debt was for and was told that it was maybe a credit card or a loan I received in XXXX. I informed the representative that couldn't be true because I was in a XXXX  in XXXX from XXXX to XXXX. The representative stated to me that it could have been on-line and again that they won the judgement and didn't have to send me any further verification. In XXXX I received notification through my employer that Investment Retrievers had extended the judgement for another 10 years. I have sent multiple letters to Investment retrievers and their lawyer asking for proper validation of the debt and service with no response. They have continued to garnish my wages at least once a year. Any time there is a inquiry on my credit report I receive a threat from the company about the judgement. I was approved for a credit card on or about XXXX XX/XX/XXXX and received an email from Investment Retrievers asking me to contact them for a settlement. They stated that they have already contacted their lawyer and would enforce the garnishment. I do not know how much the original debt was however with interest and all other fees the debt is over {$24000.00}. I will send Investment Retrievers another request for debt validation to see on XXXX XX/XX/XXXX to see if they respond. I do not know what this debt is, the debt collector will not verify it, I feel that this is unfair and unjust and need clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am beyond frustrated after checking my credit report today and seeing that the inaccurate accounts are still there. I thought maybe it was a system error, but refreshing didnt help at all. Because of this ongoing problem, I urgently need you to recheck the documents Ive already sent so I can finally stop worrying about this situation.

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 2025-09-10 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I had saving account they closed my account wont let me get my XXXX money from check i deposit this bank take from poor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MS

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXXXXXX XXXX closed my account after XXXX  made erred charges to my card .. XXXX  reversed those charges so there is no reason that XXXX XXXX has to close my account and they are violating their own policy by closing my.account for no reason and not given me a notice of closing my account and damaging my credit..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-09-10 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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