vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I requested an investigation to remove errors from my report. The three ( 3 ) credit bureaus failed to reply and didn't correct the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
Businesses sold my information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
Businesses sold my information without my permission

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan just got transferred so I called my loan company to see how I can remove PMI as my home value is passed the 20 % rule. when I talked to them they told my my home did not qualify for PMI removal since its been passed 2 years and would require 75 % to remove it even though I had a XXXX that showed that and they told me I would of needed to do a huge improvement to the home which I told them I put in a new {$20000.00} retaining wall and repainted the house interior and exterior, updated kitchen and bathrooms and he told me it didn't matter, that they couldn't do it. I told them no where on the CFPB website does it state the 75 % or the 2 year requirement and they told me it was XXXX XXXX rules they couldn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive contacted capital one several times disputing these XXXX charges XXXX, XXXX XXXX - {$220.00} XXXX XXXXXXXX XXXX - {$420.00} XXXX # XXXX - {$690.00} XXXX XXXX - XXXX - {$590.00} that were not authorized by me. I did not have this card in my possession during this time I did not enter any information in any terminal or online for these merchants. Nor was I at this location Capital one refuses to reverse these fraudulent charges. Ive contacted the merchants individually and they have instructed me to contacted capital one to fix the issue and capital one has not done anything since i noticed these fraudulent charges in XXXX. Attached is the letter that sent to the merchants and capital one along with an affidavit FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. This account listed below does not belong to me. 

XXXX XXXX XXXX- Acct # : XXXX, Bal- {$170.00}, Opened : XX/XX/year>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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT. DUE TO A XXXX XXXX BREACH

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 2025-02-11 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account reporting on my credit report. Please remove the first one account for my credit report is hurting my ability to purchase a home for my family. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
Online Information Services ( Online Collection G ) is attempting to collect money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3000.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. I my information was stolen in a data breach.

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 2025-02-11 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: NY

Complaint narrative:
Online Information Services ( Online Collection G ) is attempting to collect money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3000.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. I my information was stolen in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally disputing the reporting of the following account on my TransUnion credit report : Creditor Name : XXXX XXXX Account Number : XXXX This account is inaccurately reported and unverified. Notably, it is not being reported by XXXX or XXXX, further indicating inconsistencies in the data being furnished.

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 2025-02-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We received notice of foreclosure and quickly realized that SPS was overcharging for various items. Below is an itemized list of items I was overcharged and the correct amount. 
1. Final payoff over charged - SEE EXHIBIT C shows pay off amount According to the SPS XX/XX/XXXX to XX/XX/XXXX payoff statement, the balance was {$260000.00}. Then the XX/XX/XXXX to XX/XX/XXXX payoff jumped to {$290000.00}. They threatended to foreclose on XX/XX/XXXX if they didnt get full payment of the {$290000.00}. No one could tell me why they had charged an additional $ XXXX in just one month. Obviously seems like they were playing games hoping we wouldnt be able to pay off if they could foreclose. Amount owed to me is {$35000.00} for this specific overage charge. 
2. Payment breakdown overcharge - SEE EXHIBIT A According to the payment breakdown statement that they provided in XX/XX/XXXX, as of XX/XX/XXXX the balance owed was {$68000.00}. But when they calculated the final payoff ( see attached document ) they wrote {$85000.00} and then charged an additional {$20000.00} for interest for a total of {$100000.00}. The interest rate is 5.87 %. The correct calculation is {$68000.00} + {$16000.00} ( interest ) = XXXX They owe me {$100000.00} - XXXX = {$20000.00} XXXX. Home insurance I carried full insurance throughout and even sent proof of insurance to the law firm that was representing the bank in XXXX. We have all documents to show if anyone cares to see it. We paid over $ XXXX in insurance between XXXX and XXXX. Some proof of insurance will be attached, others can be provided, I dont want to send too many documents 4. Property taxes According to the XXXX XXXX XXXX district ( XXXX ), the mortgage company paid a total of {$42000.00} based on the itemized payments below. The bank didnt make any insurance payment in XXXX, below is a breakdown from the XXXX website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In their payment statement they claim I owe them taxes and insurance of {$130000.00}. 
What I actually owe for taxes and insurance is {$42000.00} + {$0.00} ( since we paid for insurance. Therefore, for taxes and insurance they owe me $ XXXX $ XXXX {$92000.00} Total owed to me is {$35000.00} + $ XXXX {$92000.00} = {$140000.00} SPS overcharged by {$140000.00}. This is probably a usual occurrence and warrants a class action lawsuit. This is a very unscrupulous practice and this company needs to be investigated. I am going to call every class action lawsuit in the US to take this up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Started a Cashapp account in XX/XX/XXXX. My debit card information was stolen by an unknown person. Whomever had stolen my info was using my card information to send themselves {$6400.00} in XXXX $ dollar increments over the span of 3-4 weeks ( starting XX/XX/XXXX to XX/XX/XXXX ). As this was ongoing I had never received any calls/emails/notifications from Cashapp to notify me of suspicious activity. Once I reached out to Cashapp to start a fraud investigation, I had to call several times in order for them to do this. Since the XXXX of XXXX, Cashapp has not responded or asked for additional information from me regarding the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
A credit card account was opened in my name. I was not aware of this until I received an email about it. It was fraudulent, and I contacted Capital one to inform them it was not me. But the capital one has already had an inquiry did on my credit report, and it has dropped my score. I need help removing this fraudulent account from my report entirely. Once again, I did NOT give ANYONE any type of consent to open a credit card in my name AT ALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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 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 New Inquiries : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont know why. I review my credit report regularly, but this time, I noticed errors that were not there before. I tried refreshing my browser, hoping it was a minor glitch, but the incorrect information did not disappear. Given this situation, I request that my submitted documents be carefully examined so that I can put this issue behind me once and for all.

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 2025-02-11 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation