vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Close 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Close 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
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: IL

Complaint narrative:
Cash App ( Square, Block Inc ) Has negligently refused to released funds that 2 merchants provided " PDF '' forms for in reference to a completed transaction. After speaking with multiple representatives and agents, they informed me that even though details were provided, it is in their power to be able to hold these funds as long as 30 days. 1 transaction was from XXXX XXXX XXXX in XXXX XXXX  for ( XXXX ) on XX/XX/year> and the second was from XXXX XXXX  for ( XXXX ) XX/XX/XXXX. Both these payments have been completed and released by merchant. I spoke with cash app reps and they began to exaggerate the truth telling me to contact the merchant to release the funds, after the conversation with merchants they sent PDF receipts with a balance showing XXXX owed. Cash app then requests these receipts from merchants and proceeded to inform me there is nothing they can do. I know for a fact, this is due to cash app collecting interest on the money held and is very much so an unethical business practice. I need something done about this immediately, I would like my funds released, extracted from cash app and to never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
XXXX XXXX added amount after moving out and sold info to Grenisis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
I am filing a complaint regarding my mortgage servicers ( Movement Mortgage ) handling of my escrow account, which I believe violates fair practices under RESPA ( 12 CFR 1024.17 ). 

My mortgage payment increased by nearly $ XXXX, even after my Private Mortgage Insurance ( PMI ) was removed. Upon investigation, I learned that my servicer used an outdated insurance estimate in my XX/XX/year> escrow analysis, which created an artificial escrow shortage that I am now being charged to repay. 

Although the correct insurance premium was available before the insurance disbursement ( XX/XX/XXXX ), the servicer failed to include it in the escrow analysis ( completed XX/XX/XXXX ). They collected too little in escrow for several months, then passed the shortfall to me, the borrower, citing a timing issue. They admitted they had the correct premium later but refused to perform a recalculation until I insisted. 

They then performed a new analysis ( XX/XX/XXXX ) using the updated premium, which increased my payment againto $ XXXXmonthand increased my shortage from {$1000.00} to {$1100.00}. Despite this, they still refuse to adjust their escrow reserve ( cushion ), even though they admit it is a servicer policy and not required by law. 

I have made multiple good-faith attempts to resolve this. I am now being asked to cover a shortage and an increased cushion due to their internal practices and delayed updatesnot my failure to pay. 

I am requesting : A recalculation of my escrow that removes the portion of the shortage caused by their misestimation of insurance A waiver or reduction of the reserve requirement ( escrow cushion ) given that I am already covering a shortage An official investigation into whether their escrow practices are in compliance with RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting the removal of inaccurate, outdated, and unverifiable personal information from my credit reports with XXXX, XXXX, and TransUnion. Despite submitting formal written disputes in accordance with the Fair Credit Reporting Act ( FCRA 609 and 611 ), these credit bureaus continue to report incorrect names, outdated addresses, and employers that are not associated with 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XX/XX/year> I opened an account with synchrony bank to finance furniture from XXXXXXXX XXXX XXXX. During the time I opened the account the promotion was 0 interest for 12 months. When XXXX arrived with the furniture to my home, I declined a love seat because it was damaged. I reached out to synchrony letting them know that my account balance should change because I declined the love seat that was orginally on my account. They told me they would dispute it and put it into investigation status which happened at least 4 times during the duration of the promotion. By the time of the end of the promotion I called to pay the balance of the account. They told me I couldn't make a payment because the account was in dispute status. A couple days after they called me to tell me the love seat was on a different account and that I wasn't charged for it. They also told me it was too late to pay the balance because the promotion was over. I told them it wasn't fair to me that i called to pay the account off and couldn't because of the investigation. I now have over XXXX in interest fees and the account was about to be paid off at owing only {$1700.00} I went back and forth to the furniture store and they advised me it was on synchrony side. I have emails showing the communication.

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 monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new complaint to CFBP case number XXXX social security told me they have deposit me and my mom XXXX XXXX XXXX check into the old bank account for {$960.00} and for {$960.00} and for {$22.00} and {$22.00} but we both didnt get it and the agents told me it wasnt received even if social security system say it was processed to Wells Fargo but they told me it will be send back to social security and I need to contact them again I need yall to track down or trace the missing payments and send it back to social security for all the payments I listed or let me know if it was rejected or not and if so when it was rejected and what date it was rejected and what date is returned for all payments and my mom ssn is XXXX and my ssn XXXX and I need this issues to be investigated and provide me with a update by XXXX the XXXX XXXX  because I need to pay bills and stuff and my motel bill because right now we are homeless and struggling and going through a hardship and financial issue right now and look at my attachment for proof etc. checking account number is XXXX and saving 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 explanation
Consumer complaint received 2025-04-03 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: MA

Complaint narrative:
My accounts 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor 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. 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!

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was advised that a regular recurring charge to my card was declined. I contacted the bank and was told that, after XXXX years of having an account in good standing, that my card was being closed at the banks discretion. I have checked my credit and I have a XXXX plus fico score. I have not been late on any payments on the card and have used it religiously but either paid balances off completely or kept a modest balance. There is nothing I have done that should have caused the bank to close this card.

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 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. Legal Precedent : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
To Whom It May Concern, This letter is in response to the companys recent reply to our complaint which was closed regarding the inaccurate reporting of a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX. While we acknowledge receipt of the companys XX/XX/year> response, it fails to address the core issues raised in our original complaint. 

Key Issues That Remain Unresolved : Lack of Documentation : The company failed to provide any itemized accounting, lease agreement, or supporting documentation to justify the alleged balance of {$10000.00}. 


Unsupported Claims : XXXX claims that charges remain due for XXXX XXXX XXXX XXXX XXXX XXXX, yet no documents were provided to substantiate these charges, nor was any explanation of how they arrived at this final figure. 


Contradictory Documentation : The XX/XX/year> letter from XXXX, which is attached, confirms a {$0.00} balance and states that they have requested removal of the trade-line from credit reporting agencies. This action suggests the debt is not valid or not verifiable, contradicting their claim that the account is accurate. 


Failure to Address Overpayment Concerns : Our concern regarding potential overpayment and the lack of transparency in applying those payments was completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
Im getting a letter from a XXXXXXXX XXXX XXXXXXXX from speedy cash for a loan in XXXX. When I filed. XXXX  XXXX I included all debts under that umbrella. 
XXXX XXXX XXXX XXXX : XXXX After receiving this email, we will issue a legal warrant on your name within the next couple of hours, so before you do anything read this email very carefully and respond back early as possible. 
You are hereby notified that a lawsuit has been filed against you for are three serious allegations. Speedy Cash is a client of ours, and we going to be representing them in future legal proceedings.

The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception The affidavit states that XXXX XXXX was monitored online using the e-mail address XXXX, social security number, driver 's license, driver 's license sate, ip address, address XXXX XXXX XXXX XXXX AZ XXXX which are in order to solicit funds from a restitution which is owned and operated by the Speedy Cash, who owns and operates more than 350 online cash websites, web portals and many of the sub lenders are working for them ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Cash and Go, XXXX XXXX, Speedy Cash, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
This is what is being sent signed by XXXX XXXX I have been scammed previously so Im not responding now. Any assistance would be greatly appreciated in this matter. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Nelnet, Inc.
State: CO

Complaint narrative:
It has come to my attention that when XXXX XXXX thrpugh DOGE accessed the federal student loans, it was a breach of my privacy rights, Nelnet is my current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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