vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Account Closure and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear CFPB, XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems XXXX I am writing to formally express my deep dissatisfaction with the way XXXX XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX handled the abrupt closure of my bank accounts, including my personal account, a joint business account shared with my wife, and even my XXXX  son 's account. 

Summary of Events On XX/XX/year>, I was contacted by a prospective client for my cleaning services business. After providing an estimate and completing the necessary process, I received a check from the client to begin purchasing materials. I deposited the check via the XXXXXXXX XXXX mobile app in the usual manner. 

In the days that followed, I noticed discrepancies and irregularities related to this client and the transaction. XXXX, I proactively contacted XXXX XXXX customer service on XX/XX/year>, via your recorded line at ( XXXX XXXX XXXXXXXX. That same day, I filed a police report with XXXX Police Department ( Report # XXXX ) and submitted a complaint with the Federal Trade Commission XXXX FTC Report XXXX XXXX ), as I suspected fraudulent activity. 

XXXXXXXX XXXX XXXX  Actions Rather than assisting me or taking my documentation into account, the customer service representative informed mewithout offering a clear explanationthat XXXXXXXX XXXX was terminating its relationship with me and would be freezing my funds pending an investigation into alleged attempted fraud. I was treated as though I were guilty of wrongdoing, with no opportunity to present my side or provide supporting documentation. 

To further compound the matter : I was not given prior notice of the account closures. 

XXXX XXXX held my funds for over XXXX weeks, causing severe disruptions to my business operations. 

My XXXX  son 's account was closed without explanation. 

I was reported to XXXX XXXX XXXX XXXX and ChexSystems XXXX, further damaging my financial standing. 

I made XXXX in-person visits to the XXXXXXXX XXXX with police and FTC reports in hand, hoping to resolve the issue and regain access to my accounts. Unfortunately, I was turned away both times, with no support or acknowledgment from the branch XXXX or staff. 


I look forward to your prompt response and a fair resolution. 

Sincerely, XXXXXXXX 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 explanation
Consumer complaint received 2025-05-09 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: KY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Carrington Mortgage Services began servicing my mortgage in or around XX/XX/XXXX following a transfer from XXXX Mortgage. I consistently made timely monthly payments. In XX/XX/XXXX, my XXXX XXXX bankruptcy was discharged. My attorney provided Carrington with notice, but no reaffirmation agreement or clarification of mortgage status was ever issued. Carrington continued to collect payments post-discharge in violation of 11 U.S.C. 524 ( a ) ( 2 ), totaling approximately {$23000.00} between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, Carrington received my written adverse claim, requesting proof of legal authority to collect on the mortgage and identification of the holder in due course. They later acknowledged the letter and stated they needed more time to respond, extending their deadline to XX/XX/XXXX. 

I submitted a Qualified Written Request ( QWR ) on XX/XX/XXXX under RESPA ( 12 U.S.C. 2605 ( e ) ) requesting : The chain of assignment, The original promissory note or certified copy, Payment and escrow history, and Validation of any remaining debt.

Carrington acknowledged the QWR and requested more time, promising to respond by XX/XX/XXXX. 

Despite being in possession of three lawful requests since XX/XX/XXXX none of which have been fully resolved Carrington sent a Notice of Intent to Foreclose while my inquiries remain pending. This is a direct violation of RESPA and Regulation X ( 12 C.F.R. 1024.41 ( f ) ), which prohibits foreclosure while a servicing request is unresolved.

Additionally, Carrington falsely claimed I submitted a mortgage assistance application, which I did not. I submitted a FOIA request asking them to produce this alleged application ; no response has been provided. 

Carringtons actions raise serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692d Harassment through continued unlawful collection while the debt is disputed and post-bankruptcy, 15 U.S.C. 1692e Misrepresentation regarding a false mortgage assistance application and continued billing without verification.

I have filed IRS Form 3949-A reporting potential fraudulent servicing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX dollars was transferred over from my XXXX and went to my cashapp but cashapp immediately took the money and when I contacted cashapp they was telling me they saw the transfer but they couldn't give me any reason on why they took it I asked for weeks until I just eventually gave up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS 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 2025-05-09 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-09 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I am writing to formally dispute the following account listed on my credit report. The account with XXXX, account number XXXX, is fraudulent and was opened without my authorization. The reported balance of {$8900.00} is not mine and should not be associated with my credit file. 

This fraudulent entry is causing me significant financial hardship, including difficulty obtaining credit and unfavorable terms on financial products. I request that this account be thoroughly investigated and removed from my credit report immediately in accordance with the Fair Credit Reporting Act

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 2025-05-09 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 accounts 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 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is now the third complaint I have made to the company with XXXX resolution. My next step after this will be pursuing legal actions. My payments were made on time in the amount that the payment was required to be per the trial payments that I was enrolled into. The company is doing nothing but avoiding any and all responsibility in their actions when all that needs to be done is apply the made payments correctly. Per the order I was given, the payments were {$1100.00} for XXXX and XXXX. This was also the XXXX that I could pay at the time in their phone system. They then held onto the payments until the subsequent month could fulfill the ORIGINAL payment amount and marked the payments as late, which they are still doing. Now they are telling me that because the trial payment has ended, it is being backdated to not being in effect at all and an extra {$400.00} is being demanded to bring it up to current even though it was current the entire time based on the information that I was given from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am submitting this complaint because Equifax is reporting a negative XXXX XXXX account on my credit report, showing a 30-day late payment reported on XX/XX/year>. I was only an authorized user, not the primary account holder. The account is closed with a {$0.00} balance, and the payment history shows 100 % on-time payments. 



Under the Fair Credit Reporting Act ( FCRA ) Section 603, authorized user accounts should not be reported in a way that negatively impacts a consumer who is not legally responsible for the debt. Additionally, per FCRA Section 611, I have the right to dispute inaccurate or incomplete information and receive a reasonable investigation by the credit bureau. Despite my previous dispute, Experian failed to properly investigate or provide a detailed explanation of their verification process, violating this right. 



This account is inaccurately affecting my credit score and financial opportunities. I am requesting that Equifax immediately remove this account from my credit report, as I am not legally liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian and XXXX report this account as open and unpaid ; XXXX shows it as paid.- Under FCRA 607 ( b ), data furnishers and CRAs must maintain accurate and consistent records.Please reinvestigate and verify this item. If XXXX is correct, Experian and XXXX must reflect the same. 

Experian : Balance {$370.00}, Opened XX/XX/year>, Status : Collection XXXX : Balance {$0.00}, Opened XX/XX/year>, Status : Paid XXXX : Balance {$370.00}, Opened XX/XX/year>, Status : Collection Issue : Conflicting balance and status ( ExperianXXXX show it's still in collection ; XXXX  shows paid ). Also, slightly different open dates.

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 2025-05-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Capital One Financial Corporation regarding the wrongful and unjustified closure of my credit card account. 

I have maintained a strong payment history and responsible account usage. However, Capital One abruptly closed my account following XXXX consecutive returned payments, which were unrelated incidents and do not reflect a consistent pattern of financial misconduct. There was no meaningful investigation or communication prior to the account closure on XX/XX/year>. 

As a result, Capital One reported derogatory information to the credit bureaus, causing unjust harm to my credit standing. On XX/XX/year>, I issued a formal letter requesting the immediate reinstatement of my account, removal of all negative credit reporting, and written confirmationall to be completed within XXXX business days. 

It took for me to speak with a manager in the Capital One fraud department multiple times in order for a credit bureau dispute to be opened, my account still has not been reinstated within the timeframe I provided. 

Why Im Filing : Capital Ones actions appear to be : A breach of contract and violation of the implied covenant of good faith and fair dealing ; Negligent and harmful, particularly in the lack of transparency and procedural fairness ; In potential violation of the Fair Credit Reporting Act ( FCRA ) and other state and federal consumer protection laws. 

Requested Resolution : Immediate reinstatement of my Capital One account in good standing. 
Removal of all derogatory reporting sent to the credit bureaus in relation to this closure. 
A written confirmation outlining all corrective actions taken. 
A formal review of Capital Ones policies and handling of such matters to prevent similar consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief