vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I have 2 XXXX  accts parent plus. My son graduated last XXXX & thought he could see those loans and was paying on them. I cl credit often as im trying to get another mortage & loans were listed as on time. Not once did i recieve any bills or notices of them being past due or delinquent. On XX/XX/year> got an Experian alert they were derogatory. My score fell XXXX points as a result. I contacted them explained situation they refuse to fix credit report as my son paid all past due amts XX/XX/year> in full.very misled on this process and fact they are switching platforms i think this fell off their radar and i wasnt notified at all until they reported it to the credit bureau. I now can not obtain a mortgage due to this incorrect reporting. They failed to notify me at all that acct was due. My son thought he had all the loans on his XXXX acct. we werent aware they are seperate.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have had a current kohls card for over 12 years, to which I was unaware of their change to capital one in XXXX of XXXX I had recently made a purchase in XX/XX/year> with my card and had not used it in several years as I was unaware it was still active. The store used my ssn and Id to run my card. Due to failure of capital one to do their due diligence in the transition I had no way of knowing of this change in credit card company 's. It was when I went to apply for a loan the report showed a missed payment to which I was unaware as I had not received a new card, statement or email. So i was setup from capital one for failure as I could not even make a payment. When discovering this I called capital one tried paying off the balance in full and requesting them to amend my credit report as they didn't have any of my contact information on file to even make me aware and in good faith bringing my balance to zero they still will not remove the late payments on my report, which is heavily impacting my credit report and delaying my loan. When there has been no grace by Capital One, especially as a new customer. I am very frustrated and furious with this company as calling them alone has been time consuming as well as difficult in dealing with representatives who say something different depending on who you get on the phone. Both XXXX and XXXX, would not even assist with resolving the issue with removing this off my report and asked me to call back to which I was told there was no remedy for my situation that I could fill out a form and wait 30 days. I shouldn't have to fill out a form when I am speaking to someone and they still refused to relay the process a consumer needs to take in order to rectify the late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On the XXXX of XX/XX/2025 through the XXXX of XXXX, fraudulent charges were made on my account through an XXXX account. I contacted my bank and filed a report with them, as well as a report with XXXX, but my bank has denied my claim. I spoke with them on the phone on XX/XX/XXXX about reopening the case, but was denied again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr Cooper refuses to refund the overpayment on my escrow account in the amount of {$7300.00}. I am a 100 % XXXX veteran, I have provided this information to Mr. Cooper yet they continue to collect state property taxes. Last year after collecting a full year of property tax, the state sent my overpayment of {$7300.00} back to Mr. Cooper. However, Mr Cooper never sent the funds to me. 

I have corresponded with Mr Cooper on eight different occasions since XX/XX/year> ( both verbal and written ). I have provided evidence of the property tax exemption, property tax refund, 100 % VA XXXX, and State property tax modification. Mr. Cooper has acknowledged the overpayment on two occasions, but has yet to refund my funds or credit my escrow account. It has been 5 months since Mr Cooper received my refund from the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I had a VA loan. I sold my home to a veteran who took over my VA loan, which closed on XXXX XXXX. I have tried to obtain documents that were in my name, when I owned the home XXXX. 2024 1098 for tax purposes and 2. Last statement showing that the loan was paid in full or transferred. I have called the mortgage company and they tell me that these documents are not possible to give me since the loan is now in someone else name. They told me to contact the borrowers ( new owners ) directly and " kindly '' ask for my documentation. I am unable to do this since the new owners became hostile at the end of the transfer, it was not an amicable situation. There should be a way that I can access information prior to the new owners taking over the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-15 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: NC

Complaint narrative:
Inaccurate and unfair credit reporting following a vehicle theft and miscommunication by XXXX representatives. 

Complaint : In early XXXX, my vehicle was stolen. I immediately notified XXXX, who informed me that I would not be required to make loan payments while my insurance and GAP coverage were being processed. I spoke with multiple representatives at XXXX, all of whom confirmed this pause in payment responsibility. 

It's very important to note that XXXX XXXX  forwarded all of my calls to individuals who clearly didn't live in the United States nor spoke English as their native language and there were significant communication breakdowns due to this. Additionally, individuals not living in the US may not understand our credit system and can not adequately provide guidance to American consumers. 

This stated, without warning, the account was reported as delinquent. I was never notified by XXXX that the loan had gone into delinquency. I only found out after my credit score dropped dramatically from XXXX to XXXX. As soon as I became aware of this, I paid the full remaining balance of approximately {$1800.00} that same day. 

XXXX refused to make any correction or remove the delinquency. Instead, I was told to dispute it with Experian. After doing so, Experian responded that the account was updated but sided with XXXX, and the negative mark remains. 

This damage to my credit occurred because I relied in good faith on incorrect information from XXXX employees. I was the victim of a theft, responded responsibly, and resolved the balance immediately once notified yet my credit was severely impacted. 

Lastly, XXXX has now prevented me from accessing the paid off account for any documents associated with my account. I can't even find the account of my XXXX portal anymore. Therefore, I can not review the loan agreement terms to ensure they aren't altered. I also can not view any of the payment history.

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 2025-04-15 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, Transunion, for some reason, is the only of the 3 big credit bureaus that require that I create an account with them when trying to get my free annual credit report via annualcreditreport.com. The way I understand, they won't give me a free annual credit report unless I consent to them taking and using my data. 

Transunion also doesn't have any customer service line to call or email to address the matter with them directly.

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 2025-04-15 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: PA

Complaint narrative:
Dear XXXX XXXX XXXX  Customer Service, I hope this letter finds you well. Im writing regarding my account with your institution. I want to begin by expressing my sincere appreciation for the financial products and services XXXX XXXX  has provided. Ive enjoyed being a customer and value the relationship weve built. 

Im reaching out to respectfully request a goodwill adjustment concerning the late payments reported in XXXX, XXXX and XX/XX/XXXX as well as these are the ones that are the most important XXXX XXXX XXXX and XXXX of XXXX. This was an isolated incident that I had contacted yall about prior to these payments going into default, and I take full responsibility for the oversight. At the time, I was going through XXXX I had to do XXXX and was unable to work, which I did try to explain to yall before I started missing payments. I was experiencing unforeseen financial hardship due to medical issues/job loss & pandemic-related challenges, which disrupted my ability to make timely payments. Since then, Ive made consistent and timely payments and have worked diligently to restore my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I opened an account with Square XXXX XXXX XXXX XXXXsquareupXXXX XXXX  to learn to use the platform use it as my new payroll service. I started watching videos on how to use the platform and contact support a few times, they were very kind and friendly. I started adding funds to my Square account balance, currently now holding {$8400.00}. On XX/XX/XXXX I then tested the service to try a Square Payroll deposit for the first time. That is when Square 's very unethical behavior began. 

On XX/XX/XXXX I received 2 emails from Square. The 1st email states " Our Account Services team conducted a recent review of your account and we regret to inform you that you are not eligible to use Square Payroll. Unfortunately, our decision to deactivate your account is final. Due to security reasons, we can not reverse this decision and are unable to provide additional details. '' 2nd email states, " Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/XXXX ''. 

In essence, I believe I have been using Square 's services as they are intended. Why would they create " Square Payroll '' if they didn't like me using Square Payroll? I have reached out to Square via email and over the phone 2 times. Customer service refuses to tell me any information about what is going on and they refuse to escalate me to a manager or anyone with authority. If I broke any rule why wouldn't they just tell me so I can avoid that behavior? In short, I don't know what is going on and I don't know why Square is now unethically holding my funds hostage for 90 days. I don't know if they understand that people have bills to pay or not. I trusted this organization for some basic services and they are holding my funds hostage without any explanation at all. I'm fine with not using their services, but I want them to relinquish my funds asap. Imagine I walked up to a XXXX employee and asked to buy something, but then the rep just took your money and said I will give it back in 90 days. We would be up in arms over that. Can someone please assist me with this? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: WI

Complaint narrative:
This letter is being sent in response to a collection notice I received from your agency. I am requesting the validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised, this is a request for validation, not a refusal to pay.

In accordance with the FDCPA and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am requesting that you provide competent evidence that I have a legal obligation to pay you. The XXXX case emphasizes the need for debt collectors to provide meaningful and concrete proof when attempting to collect a debt.

Please provide the following : 1. Proof of the original debt including the name of the original creditor, the full account number, and a detailed statement showing all charges and payments.

2. A full and complete chain of title, including documentation that proves your legal right to collect on this debt ( i.e., the assignment or purchase agreement that gives Paramount Recovery Systems the authority to collect on behalf of the original creditor ).

3. A copy of the signed contract or agreement where I allegedly agreed to assume this debt.

4. The name and address of the original creditor.

5. Verification that the statute of limitations on this debt has not expired.

6. Your license number and the name of the state where you are licensed to collect debts. 
In addition, you are hereby notified to cease and desist from any and all further contact with me regarding this matter, except to provide the validation requested, or to notify me of any specific legal action you intend to take. You may not contact me by phone, mail, email, or any other form of communication except to comply with this request.

Any failure to fully validate this debt, or continued collection efforts without validation, will be considered a violation of the FDCPA and my consumer rights, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ). 
I expect a response within 30 days of your receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a credit card and I used some money I forgot the password and didnt I had a sum of money do so they normally take the money out of my card and my card was facing some issues hackers and stuff so I moved all the money to savings and my credit kept getting damaged now that I got my account back I see my credit was damaged. Now that I got my account back I see my credit was damaged bad, so I wanted to restart and just pay this XXXX XXXX  and do a clean restart. Also, I went bankruptcy and now I am getting back up so I just need them to just overlook this one mistake and it wont happen again thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They are continuing to call my business phone number attempting to collect a debt that is far beyond the GA statute of Limitations. The debt was from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
After viewing my credit report, I discovered addresses, numbers and names that I do not recognize nor uploaded. I realized that my personal information was exposed in several data breaches as well. These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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