vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing this complaint regarding Capital One and the information it has reported to my credit reports. On XX/XX/XXXX, I disputed the completeness and accuracy of Capital One 's late payment reporting within the payment history section of my credit report connected to Capital One through consumer reporting agencies such as XXXX and XXXX. More specifically, duplicative reporting of late payment rating show " XXXX '', " XXXX, XXXX '', and " XXXX, XXXX ''. These late ratings are doubles that conveys a consecutively late transactional experience that insinuate being XXXXXXXX XXXX XXXX  days past due two months in a row which does not make sense and is factually a computer error that mis convey the amount of time or days I was actually late on the account. When looking at the errors furnished by Capital One, it is confusing and not easy to understand as the FCRA requires information to be accurate and precise and understandable. My dispute came back verified when it was actually supposed to be corrected or deleted from my credit reports in accordance with the FCRA sections 1681i ( a ) ( 5 ) and 1681s-2b ( E ). Capital One is being negligent in regard to how they furnish information to my credit report, and it is damaging my credit standing as a result. Additionally, Capital One has not reported a year's-worth of transactions I've made on the account with them. From the day the account was opened which was in XX/XX/XXXX- XX/XX/XXXX is missing transaction information on my credit reports. This shows incompleteness which is prohibited by the Fair Credit Reporting Act section 1681i ( a ) ( 1 ) ( A ) and section 1681s-2b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Found an inquiry on my report that I don't recognize. I'm a victim of identity theft.

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 2025-04-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NY

Complaint narrative:
I lost XXXX because of cash app glitch and I havent received back my money, they sent me a link to upload somethings to a portal which dont works

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: ME

Complaint narrative:
I am disputing the reporting of a collection account from XXXX XXXX XXXX  I ( original creditor : XXXXXXXX XXXX XXXXXXXX ). The account is showing a static balance of {$1300.00} with no payments reported since XX/XX/XXXX. It has been marked as a collection every month since XXXX. 

There is no clearly stated Date of First Delinquency, and the balance has not changed despite being re-reported monthly, which gives the appearance of re-aging. This violates FCRA and Metro 2 reporting guidelines.

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 2025-04-09 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: ME

Complaint narrative:
I am disputing the reporting of a collection account from XXXX XXXX XXXX  I ( original creditor : XXXXXXXX XXXX XXXXXXXX ). The account is showing a static balance of {$1300.00} with no payments reported since XX/XX/XXXX. It has been marked as a collection every month since XXXX. 

There is no clearly stated Date of First Delinquency, and the balance has not changed despite being re-reported monthly, which gives the appearance of re-aging. This violates FCRA and Metro 2 reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-04-09 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: CA

Complaint narrative:
This is a formal and urgent complaint that requires your immediate attention. My credit report contains inaccurate and misleading information that clearly fails to meet the legal requirement of maximum possible accuracy under the Fair Credit Reporting Act. These errors are having a severe and ongoing impact on my personal and financial well-being. I am demanding a full re-investigation without delay, and any unverifiable or incorrect entries must be corrected or permanently removed. This is not a request, it is a critical obligation that must be fulfilled immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I was issued a XXXX gift card on XXXX XX/XX/XXXX, after some difficulty obtaining this card due to a company change in coverage. I was no longer a XXXX XXXX ( XXXX ) XXXX & therefore was unable to have a physical card issued, for which I have an email dated XXXX XX/XX/XXXX, as proof. Once I attempted to use the card, a few days later, for an online purchase-I was advised that the card balance was {$0.00}. 

I contacted XXXX ( XXXX XX/XX/XXXX ) & they advised that I contact Incomm, who issued the card, I was told by Incomm, they needed to investigate & that they should contact me within 3-5 days but could take 30 days. 

I called back to check the status ( XXXX XX/XX/XXXX ) & was told that they made a mistake & I needed to file a different complaint form, which ( & I have a copy of that document-if you need a copy ), which listed the purchases & the dates, most of which were on the date of issue, in XXXX-I live in XXXX. 

I was told, by Incomm that their investigation could take up to XXXX  days, I would periodically call for updates & was given the same information-that they had not concluded the investigation. I finally received a letter ( XXXX XX/XX/XXXX ), stating they concluded the investigation, but provided me with no evidence, stating that they were unable to approve my dispute & therefore wouldn't be issuing a refund. I was told that I could appeal-which I did ( XXXX XX/XX/XXXX ), & demanded the information they used to come to this conclusion, which I have not received. 

Today ( XXXX XX/XX/XXXX ), I received an email which states that they took another look at my dispute but continue to be unable to refund my money & provided me with no evidence of how they came to this conclusion. While {$240.00} may not seem like a substantial amount of money, to some, it is the principle. Hypothetically, if they are conducting business in this manner to multiple consumers, multiple times per day-then that would amount to a significant amount of money. 

I filed a complaint with the XXXX, to which InComm has yet to respond, the XXXX  recommended that I file a complaint with CFPB. 

It appears that this is a common thread with this company & maybe the FTC needs to investigate further? I would truly just like resolution of my complaint & refund of my earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In my credit report on my the Home Depot credit card is 30 days late the account number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: DE

Complaint narrative:
On XX/XX/XXXX I contacted Equifax and Experian to remove the medical bills from my credit report. These bills are in collections and clearly state the originator is a medical facility. I filed disputes and they declined to take it off. XX/XX/XXXX enacted the new bill which disallows credit reporters to display medical debt on crediting reports. These two companies are not in compliance to the new law.

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 2025-04-09 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: MD

Complaint narrative:
On XX/XX/XXXX I received a credit monitoring alert that my credit score had changed. When I checked my credit report I had two XXXX loans that posted deficient for late payments over 90 days. I have never stopped automatic payment withdrawal from my checking account for my loan payments. To my knowledge the loans were paid off. Due to some federal pause on federal loan agencies payments were apparently paused and XXXX incepted my XXXX loans ( account # XXXX ) some time in XXXX. I was never notified by the UXXXX XXXX XXXX or by XXXX of any transfer or outstanding balances. My credit score is XXXX and I pay all my bills on time. The failure of XXXX and the XXXX XXXX XXXX or the federal loan company that had my loans prior to transfer is egregious conduct. I called XXXX today and spoke to their representative who confirmed personal information on record that I had not had since the year XXXX. My student loans were taken in XXXX and since this date my personal information has been : XXXX XXXX XXXX, XXXX, MD XXXX. I requested my account number from the XXXX representative and then requested their website so I could register and login to see my loans. I paid the loans off in full today XX/XX/XXXX and also requested that XXXX provide me with written correspondence that confirms they did not make contact with me or send mailings to the proper home address on record with the XXXX XXXX XXXX XXXX XXXX or with FAFSA. I have used my current address listed above since XXXX and the loans were not taken until XXXX. I am asking for your help to please investigate XXXX for mishandling of my personal information and notification of their inception of my account. I would like to use this complaint and the outcome to demonstrate to the credit bureau dispute for the late payments to resolve the issue on my credit score that I have worked nearly 30 years to build. Thank you.

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 2025-04-09 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
Previous lender XXXX transferred loan to Village Capital & Investment LLC XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX received escrow surplus from Village Capital. Six days after depositing check it was placed on stopped payment. I called Village Capital and was told XXXX requested the escrow funds due to payment of hazard insurance from XX/XX/XXXX. I contacted XXXX on three instances and each time was told once loan transferred they no longer have any interest what soever. Village Capital stated they had proof XXXX requested the funds but would not provide proof of request stating " privileged document '', refused to participate in 3-way phone conversation at XXXXXXXX XXXX request and the only means of communicating with Village Capital escrow department was via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Experian has a mainline debt collector on my account for {$850.00} dollars they said it was from an ulta rewards but i dont remember that or how that happened so i asked them to investigate and like a a week later they mainline debt collector told me they would take legal action against me so i had to pay

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 2025-04-09 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: GA

Complaint narrative:
Subject : Urgent Dispute Regarding Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information Experian reported on my credit file. It has come to my attention that my name, address, social security number, and other personal details are incorrect. Furthermore, Experian has been consistently updating outdated information that should have been removed due to my divorce. 

Specifically, Experian has failed to verify my correct social security number, and the telephone numbers associated with my account are inaccurate. Additionally, much of the information on my credit report dates back to XXXX, which is over XXXX XXXX XXXX and should not be affecting my current credit status. 

These inaccuracies have significantly impacted my ability to secure a home loan, a car loan, and credit cards, effectively hindering my financial well-being. As such, I demand that these erroneous entries be corrected or removed immediately to comply with Consumer Protection laws. 

If this matter is not resolved promptly, I will have to initiate legal proceedings to protect my rights and interests. 

I expect to hear back from you regarding the resolution of this dispute within the time frame stipulated by law. Please find attached the relevant documentation to support my claims. 

Thank you for your immediate attention to this serious matter. 

Please have them remove my incorrect name, telephone number, and social security number from all of the accounts. All accounts that are XXXX to XXXX XXXX XXXX must be removed ; it is a violation. Today, I tried to have them remove the information from my credit report. According to XXXX, who took the call, " You must contact the creditors to have them remove the information, which is XXXX to XXXX XXXX XXXX. 

When I tried to give her the Consumer Report number to verify who I am, she informed me that Experian could not remove the address and that they could not correct my name, which is on my credit report 5 times spelled different than my DL or SSN. When trying to give her the correct address. XXXX informed me should could not remove the XXXX addresses, and I had to make contact with those creditors. I have all my documentation to prove the information is at least XXXX XXXX XXXX. Which is a violation of my Consumer Protection laws. I have supporting documentation. When trying to explain, my social security is not correctly reported or used. According to XXXX, I needed to make contact with the creditors. I explained Fraud, and they placed me on hold and then disconnected the call.

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 2025-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I received my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and was shocked to see it marked unpaid, with a penalty warning. I checked with my mortgage company, who claimed the payment was made back in XX/XX/XXXX from my escrow account. The XXXX XXXX XXXX said they had not received anything, so to avoid penalties, I paid it myself. 

Later, the mortgage company said they wired the payment on XX/XX/XXXX, and it would post within a week. I waited and called the XXXX  office again, and they confirmed that only my personal payment was received nothing from the mortgage company. 

I contacted the mortgage company again, and they opened an investigation. I also emailed them all my payment receipts and requested proof that they paid, so I could request a refund if I was double charged. It's now been almost 2 months, and I havent received any updates or answers. 

To make things worse, my escrow account still shows the tax as paid, and theyve increased my monthly escrow payment because of this! 

This is unacceptable. Why was the payment delayed until XXXX if the tax was due in XXXX? Why is there no record of their payment with the tax office? And why is customer support completely unresponsive?

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