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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I saw some incorrect accounts on my credit report and Im unsure of the reason behind it. I routinely check my credit report, but this time I noticed unexpected errors. I even refreshed the page thinking it might be a technical issue, but the errors remained. Due to this, Im requesting a detailed review of the documents Ive submitted to ensure this doesnt become a recurring concern.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Student loans previously serviced by XXXX, convicted in predatory lending lawsuit with the CFPB. I was informed my accounts were closed as a result and that funds were being allocated at the state level as restitution to borrowers. I have not attended school since XXXX, and I had a credit score of XXXX prior to this week... when XXXX reported default on student loan accounts that have been stagnant for nearly a decade, to all XXXX credit reporting agencies. Notices were apparently sent to my old email address no longer in use. I did receive a robotic phone call a couple weeks ago, but it sounded like a scam! 

Upon discovery of these unpaid balances, and without question or research as to their validity, I paid ALL balances IN FULL... to the tune of {$7800.00} ( XXXX accounts in total ). Upon requesting a retraction of this reporting, XXXX Support has told me that my only recourse is to take it up with the XXXX XXXX XXXX or the credit bureaus themselves. My credit has always been stellar ; this is completely unfair and a total misrepresentation of me as a borrower. Please help?

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 status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Student loans previously serviced by XXXX, convicted in predatory lending lawsuit with the CFPB. I was informed my accounts were closed as a result and that funds were being allocated at the state level as restitution to borrowers. I have not attended school since XXXX, and I had a credit score of XXXX prior to this week... when XXXX reported default on student loan accounts that have been stagnant for nearly a decade, to all XXXX credit reporting agencies. Notices were apparently sent to my old email address no longer in use. I did receive a robotic phone call a couple weeks ago, but it sounded like a scam! 

Upon discovery of these unpaid balances, and without question or research as to their validity, I paid ALL balances IN FULL... to the tune of {$7800.00} ( XXXX accounts in total ). Upon requesting a retraction of this reporting, XXXX XXXX has told me that my only recourse is to take it up with the Federal Student Aid or the credit bureaus themselves. My credit has always been stellar ; this is completely unfair and a total misrepresentation of me as a borrower. Please help?

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Student loans previously serviced by XXXX, convicted in predatory lending lawsuit with the CFPB. I was informed my accounts were closed as a result and that funds were being allocated at the state level as restitution to borrowers. I have not attended school since XXXX, and I had a credit score of XXXX prior to this week... when XXXX reported default on student loan accounts that have been stagnant for nearly a decade, to all XXXX credit reporting agencies. Notices were apparently sent to my old email address no longer in use. I did receive a robotic phone call a couple weeks ago, but it sounded like a scam! 

Upon discovery of these unpaid balances, and without question or research as to their validity, I paid ALL balances IN FULL... to the tune of {$7800.00} ( XXXX accounts in total ). Upon requesting a retraction of this reporting, XXXX XXXX has told me that my only recourse is to take it up with the XXXX XXXX XXXX or the credit bureaus themselves. My credit has always been stellar ; this is completely unfair and a total misrepresentation of me as a borrower. Please help?

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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 2025-04-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
am writing to file a formal complaint regarding a reverse mortgage ( XXXX loan ) on the property located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX  parcel no ; XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, is refusing to provide me with a loan servicing information or a payoff amount, despite the fact that I am the legal successor in interest to the property and I notified multiple times by email, telephone since XXXX XXXX and I mailed them via certified letter on XX/XX/2025, which they have received. 
I also sent the same information to the Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX, XXXX. They responded that they are researching it, Their file is XXXX, I inherited the property via a recorded Beneficiary Deed under Arizona Revised Statutes XXXX ( A )., which is a legal mechanism specifically intended to bypass probate. There is no probate in this matter because none is required. 
I have provided the servicer and the attorneys with : A copy of the recorded Beneficiary Deed The recorded Death Certificate A copy of the Recorded Ownership in my name from the XXXX XXXX XXXX  recorders office. 
My government issued ID. 
A certified letter formally requesting the loan information Despite this the servicer refuses to provide any information and continues to demand a '' probate order or probate documents a of proof that I am a non-borrowing spouse. There is no probate order or need for XXXX, and I do not need to be a spouse ( and there is no spouse ), to inherit this property. 
This is a violation of HUD guidelines regarding XXXX successors in interest and the XXXX XXXX XXXX XXXX XXXX ( XXXX  ). 
Under XXXX, loan services are to respond to qualified written requests and to communicate with successors within XXXX  days. 
I am seeking the following : XXXX. Immediate intervention to compel the servicer to release the loan payoff information and status of the loan. 
XXXX. A halt to any foreclosure proceedings until this issue is resolved. 
XXXX. Clarification of my rights as a non-borrowing successor in interprets under XXXX XXXX guidelines. 
This situation is causing unnecessary stress, legal and financial uncertainty, and I request your urgent attention to ensure compliance from the servicer. 
Thank you for your assistance. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED ACCOUNTS THAT WERE OPENED IN MY NAME.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: MI

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX RE : Complaint Regarding Charge-Off Reporting SYNVS/FIRST DIGITAL Dear CFPB Representative, I am writing to formally file a complaint against SYNVS/ First Digital regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : Synvs/First Digital Account Number ( last XXXX digits ) : XXXX Charge-Off XXXX Alleged Balance : {$520.00} XXXX contacted SYNVS/First Digital and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures. 
Laws Violated or Potentially Violated : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXXXXXX XXXX XXXXXXXX Under the FCRA, XXXX of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, SYNVS/First Digital has not provided evidence to support the accuracy of this charge-off, despite my dispute. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXXXXXX XXXX XXXX If SYNVS/First Digital XXXX XXXX third party is acting as a debt collector, they are required to provide validation of the debt upon request within XXXX days. I requested validation in writing, and they failed to provide a response. 
XXXX. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request SYNVS/First Digital to validate or remove the charge-off. 
If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus. 
I also request confirmation that no further collections or negative reporting will occur related to this account. 
I have attached copies of my correspondence with SYNVS/First Digital and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request. 
Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, XXXX XXXX

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment XXXX XXXX XXXX XXXXXXXX  - Account Number : XXXX - Balance & Past Due : {$0.00} XXXX  - Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00} XXXX - XXXX - Balance & Past Due : {$0.00}

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CO

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Cash App concerning the unjust closure of my account and the lack of communication regarding this action. On XX/XX/year>, my Cash App account was closed due to allegations of activity that supposedly violates Cash App 's Terms of Service. 
I have carefully reviewed the Terms of Service and can affirm that my activities were compliant with their guidelines. Despite this, I received no detailed explanation or justification for the closure. Furthermore, my attempts to seek clarity and resolution from Cash App have been met with refusal to unlock my account or provide any information regarding the restrictions placed on it. 
This lack of transparency and failure to address my concerns is not only frustrating but also raises questions about the legality of their actions. I believe that consumers deserve clear communication and fair treatment in financial matters. 
I kindly request your assistance in investigating this matter and urging Cash App to provide a proper resolution, including the reinstatement of my account and a clear explanation of the reasons behind the closure. 
Thank you for your attention to this important issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against PayPal , Inc. for unfair and unexplained closure and permanent limitation of both my personal and business accounts. 

My personal PayPal account is associated with : XXXX My business PayPal account is associated with : XXXX My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX PayPal suddenly and permanently limited both accounts without warning or valid justification, and has refused to provide any clear explanation or evidence of any wrongdoing on my part. I have not violated any user agreement, terms, or policies. This has caused serious disruption to both my personal finances and my business operations. 

I am requesting that the CFPB investigate this matter and urge PayPal to : Provide clear and specific reasons for the limitations, including what alleged violations occurred. 

Remove the account limitations immediately or allow access to any remaining funds if they refuse to restore account functionality. 

Cease this type of unregulated account freezing without fair process, communication, or justification. 

I respectfully request that my complaint be taken seriously and acted upon quickly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX 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. b 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, XXXX, AND XXXX XXXX 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