vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credova Holdings Inc
State: OH

Complaint narrative:
Issue Summary : I am submitting this complaint because XXXX XXXX ( servicing a lease originated by XXXX ) failed to honor the terms of the XXXX Satisfaction Guarantee Buyout Option outlined in my lease contract and then attempted to charge me the full lease amount despite my repeated, timely efforts to exercise the early buyout. 


Details : My lease agreement clearly states that I had until XX/XX/year> to exercise the XXXX Satisfaction Guarantee Buyout Option, allowing me to pay the fair market value of the leased item ( {$930.00} minus any payments made ) and terminate the lease early. 
I contacted XXXX multiple times before XX/XX/year> via both phone and email, on XX/XX/year>, XX/XX/year>, XX/XX/year> inquiring about exercising my buyout option and seeking clarity on the process. I have records of these communications. 
Despite my timely outreach, I received no meaningful response or clear instructions until two days after the 30-day windowXXXX XXXX, XXXXat which point they denied the buyout option, stating I now owe the entire lease amount ( {$2200.00} ) instead. 
This delay and denial of the agreed-upon early buyout terms constitute deceptive and predatory leasing practices. The company created a false appearance of responsiveness while effectively running out the clock on the buyout period. 



Violation Summary : Deceptive and unfair business practices under the XXXX XXXX XXXX. 
Failure to respond in good faith to a valid, time-sensitive contractual right. 
Misrepresentation of consumer rights and contract terms. 
Lack of reasonable dispute resolution or transparent servicing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Equifax 's guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
This morning at approximately XXXX XXXX  I woke up to my CashApp account being closed for " gambling '' I have made multiple calls and reached out via an online chat numerous times since XXXX XXXX. Anytime I try and get a definite answer from anyone they avoid the question. I made my last call at XXXX XXXX only to ask for a manager and got told the same tired line. " There's nothing we can tell you other than we have a ticket opened and the appropriate department is looking into it. '' I have had this account for 3 years and have never violated their ToS, now I'm being forced to either move my stock ( my retirement ) or sell it at a loss and cash out. My job and regular bills fuel & groceries all rely on this account and now I have no way to make purchases for needed materials for the job site... I'm supposed to be receiving my pay for the week tomorrow but that's not gon na happen... So now I'm not evening sure how I'm going to do my job and keep food in the house and the roof over my head as well as keeping my work moving forward... This is unneeded stress that's unnecessarily being put on my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
XX/XX/XXXX : My insurance Broker contacted me regarding no payment received by XXXX XXXX XXXX for Homeowners insurance from my escrow account managed by XXXX XXXX XXXX. Payment was due in XXXX. My policy was cancelled and then reinstated after a second payment was sent to XXXX which was successfully applied to the policy. My escrow account was deducted two identical payments of {$2200.00}. This resulted in a escrow shortage and an increase in my monthly payment for my mortgage. My insurance agent contacted XXXX XXXX XXXX who report they did not receive XXXX payments and to contact the mortgage loan servicer to request a refund. 

XX/XX/XXXX : XXXX sent escrow letter saying I was short {$2200.00} and my monthly mortgage payment would be going up to make up for escrow shortage. 

After attempting several phone calls I was unsuccessful in receiving a refund or copy of ACH payments to XXXX XXXX. 

XXXX XXXX : Phone call to XXXX requesting return of overpayment of escrow. Unable to and instructed to make a written letter Qualified written request. 

XX/XX/XXXX : A letter of a Qualified Written Request ( QWR ) was sent to Newrez LLC XXXX Shellpoint Mortgage Servicing, ( formerly XXXX XXXX XXXX  ), requesting a refund due to overpayment. 

XX/XX/XXXX : Correspondence letter denying my request and no resolution or refund. 
XX/XX/XXXX, Phone call to customer service who said they were not able to see my account records and to call the other customer service number to which was a dead end. 
Thu, XXXX XXXX - XXXX : email message regarding request was resolved in a phone call. ( untrue ) XXXX, XX/XX/XXXX - XXXX : Fax of XXXX sent to XXXX, with no response. 

Thu, XX/XX/XXXX - XXXX : Fax of XXXX sent to XXXX, with no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AL

Complaint narrative:
Cashapp closed my account because they said that I violated there terms of service by gambling and fraudulent activities, but I never gambled or made any fraudulent transfers, all my transfers come my other bank account where my payroll come to, I only use cash app to put my money at so my bills wont zap up all my money in my other account. I have the routing and account number I transfer my money from my other bank account also I have the check stubs from XXXX  ( my job payroll provider ) and also I have my XXXX, I have proof that my account is legit, they havent provided me any proof that I broke their term of service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
XX/XX/year> Disputes provided to Experian, Equifax, and Transuion for the second time. Experian replied on XX/XX/year> stating that my disputes were invalid and that the information still stands. They did not provide documentation stating that I agreed to any of the accounts mentioned. I do not have knowledge of them.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-04-18 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: MO

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested a block of information due to indetity theft and how the account on my federal trade commison report for ndeity theft indicate i was mailed from all three credit bureaus a request for information my ID A oicture of my social securtiy the address of my last past two years to continue wth my block of infomraiton requets i now am submitting all the ifnormation requested to continue my blcok fo infomation under 605 B of the credit fair reproting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I requested a block of information due to indetity theft and how the account on my federal trade commison report for ndeity theft indicate i was mailed from all three credit bureaus a request for information my ID A oicture of my social securtiy the address of my last past two years to continue wth my block of infomraiton requets i now am submitting all the ifnormation requested to continue my blcok fo infomation under 605 B of the credit fair reproting act.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Scammers was taking my money. Addin my bank account i never got my money back

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 2025-04-18 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: FL

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 XXXX XXXX XXXX. 

XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: NY

Complaint narrative:
Subject : Request to Update and Correct Personal Information / Remove Inaccurate Data Dear TransUnion/Equifax/Experian I am writing to request a full update and correction of the personal identifying information listed on my credit report. I am also formally requesting the removal of any inaccurate, outdated, or unauthorized personal information that is not directly connected to my identity. 

Below is my correct and verified personal information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX Phone Number : XXXX Email : XXXX Employer : XXXX XXXX XXXX Please REMOVE any and all of the following : Incorrect or misspelled names ( including variations or aliases that are not mine ) Old addresses or addresses I have never lived at Phone numbers or email addresses not listed above Employers not listed above Any other personally identifying information not matching what is provided above This request is being made under the Fair Credit Reporting Act ( FCRA 611 and 609 ), which gives me the right to dispute and correct any inaccurate or unverifiable information on my credit report. 

I have enclosed a copy of the following for verification purposes : A government-issued ID & My W-2 showing the last four digits Please process this request promptly and confirm in writing once my file has been updated. If any further documentation is needed, you may contact me at the email or phone number listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
Subject : Request to Update and Correct Personal Information / Remove Inaccurate Data Dear TransUnion/Equifax/Experian I am writing to request a full update and correction of the personal identifying information listed on my credit report. I am also formally requesting the removal of any inaccurate, outdated, or unauthorized personal information that is not directly connected to my identity. 

Below is my correct and verified personal information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX Phone Number : XXXX Email : XXXX Employer : XXXX XXXX XXXX Please REMOVE any and all of the following : Incorrect or misspelled names ( including variations or aliases that are not mine ) Old addresses or addresses I have never lived at Phone numbers or email addresses not listed above Employers not listed above Any other personally identifying information not matching what is provided above This request is being made under the Fair Credit Reporting Act ( FCRA 611 and 609 ), which gives me the right to dispute and correct any inaccurate or unverifiable information on my credit report. 

I have enclosed a copy of the following for verification purposes : A government-issued ID & My W-2 showing the last four digits Please process this request promptly and confirm in writing once my file has been updated. If any further documentation is needed, you may contact me at the email or phone number listed above. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. 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 may 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. XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
When I bought my home in 2019, my mortgage/escrow was {$490.00} a month. That was under XXXX. I stayed that payment until shortly after it was bought out by Mr. Cooper. 

After my mortgage was bought out, my mortgage increased to {$680.00}. This didn't make sense, as my insurance/tax only added about {$40.00} a month -- {$75.00} if you added escrow. 

Now, Mr. Cooper has increased my mortgage to $ XXXXmonth citing " escrow. '' My taxes/insurance do not come anywhere close to that number ( My insurance is about {$2400.00} a year ). 

While I understand numbers can fluctuate a bit, going from a {$490.00} payment to over {$1500.00} is creating extreme financial hardship for me. I do not make enough money to even cover the mortgage note. I am working but my job only pays $ XXXXhour. And I have a college education ( I am XXXX XXXX XXXX ). 

Please advise. To say I'm panicking would be a huge understatement. Thank you.

Company response to consumer: Closed with explanation