vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
On XXXX XXXXXXXX  l made a money transfer of XXXX dollars from my wellsfargo account to my XXXX XXXX XXXX  account through Western Union Money transfer ( Tracking # XXXX ) with a charge fee of XXXX dollars for immediate value credit on my account but unfortunately there was no XXXX XXXX equivalent of XXXX deposited in my account based on terms of the transaction. 
I made an official complaint to customer agent on that XXXX XXXX about the situation which she claimed that the money had been deposited in my account and ignored my complaint and hang up. I repeated the same complaint to another agent which he demanded my statement of account of that XXXX that shows no deposit and l submitted it on XXXX XXXXXXXX  without a good response from Western Union . I spoke with several customer service agent on a different days till date without sign of concern to refund my money but they only created 3 difference case account of inquiries ranges from # XXXX, # XXXX and # XXXX on a different days using it as justice delay is justice denied despite my XXXX XXXX  statements l uploaded they refused to refund my money back. 
Please upon demand that XXXX XXXX  statements can also be made available to your office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: INDEPENDENCE HOME LOANS LLC
State: FL

Complaint narrative:
On XX/XX/year>, the notary from XXXX XXXX XXXX brought documents from lender Independence Homes to sign for a refinance of my home. I refused to sign because of the new amount being more than I am presently paying or anticipated it would be. I called the Independence Home Loan Rep XXXX ( ( XXXX ) XXXX while notary present explained I was not signing the papers because the new mortgage payment of {$2900.00} for XXXX years exceeded what I am presently paying, therefore I was not interested. Plus the fact no one even presented this amount to me prior to making the appointment of XX/XX/XXXX with the notary. Received a call from loan officer XXXX XXXX ( XXXX ) XXXX, explained I was not willing to pay that mortgage payment for the remaining XXXX years. XXXX stated he needed me to sign those present papers so that he would work to present an addendum to change from XXXX years to XXXX years to lower that payment, plus not have to pay my XXXX and XX/XX/year> mortgage payments plus receive {$3500.00} to close. I called and had the notary to come back, she did, called XXXX on the phone in the presence of myself, my wife and notary, XXXX told me to trust him to make the addendum papers and email them to me by XX/XX/XXXX for updated signatures. As of XX/XX/year>, I've called and left voice messages to XXXX, XXXX and XXXX XXXX members of his team ) and sent emails to XXXX and have not received any responses from calls or emails or even texts. I am a XXXX Veteran from the XXXX XXXX and I am quite disappointed in the lack of professionalism and continual ignoring from a lack of respect to at least have the decency to respond back. I have not received any form of communication since XX/XX/XXXX from this company represented here by XXXX XXXX and his team. Time is of the essence and a decent resolve needs to be afforded me regarding this failure to comply.

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

Complaint narrative:
On XX/XX/year>, I sent a certified written dispute to XXXX XXXX XXXX regarding multiple late payments being reported on an auto loan account. The letter was received and signed for on XX/XX/year>, according to XXXX tracking. 

In this letter, I formally requested an investigation and validation of the reported late payments under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) and XXXX, which require data furnishers to report only complete and accurate information and to investigate disputes in a timely and verifiable manner. 

I specifically identified concerns including : XXXXPotential XXXX XXXX compliance violations, where multiple late payments appear to have been reported for a single delinquency. 

*Inconsistencies across credit bureaus, suggesting erroneous or duplicate data furnishing. 

*Failure to provide documentation supporting the accuracy of each delinquency. 

To date ( XX/XX/year> ), XXXX XXXX has failed to respond or provide any verification. They continue to report these negative marks to the credit bureaus, which violates FCRA XXXX ( a ) ( XXXX ) ( A ), as the information has been formally disputed and not properly verified.

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

Complaint narrative:
On XX/XX/year>, I sent a certified written dispute to XXXX XXXX XXXX regarding multiple late payments being reported on an auto loan account. The letter was received and signed for on XX/XX/year>, according to XXXX tracking. 

In this letter, I formally requested an investigation and validation of the reported late payments under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) and XXXX, which require data furnishers to report only complete and accurate information and to investigate disputes in a timely and verifiable manner. 

I specifically identified concerns including : *Potential XXXX XXXX compliance violations, where multiple late payments appear to have been reported for a single delinquency. 

*Inconsistencies across credit bureaus, suggesting erroneous or duplicate data furnishing. 

*Failure to provide documentation supporting the accuracy of each delinquency. 

To date ( XX/XX/year> ), XXXX XXXX has failed to respond or provide any verification. They continue to report these negative marks to the credit bureaus, which violates FCRA XXXX ( a ) ( XXXX ) ( A ), as the information has been formally disputed and not properly verified.

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 2025-04-04 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: LA

Complaint narrative:
On XX/XX/year>, I sent a certified written dispute to XXXX XXXX XXXX regarding multiple late payments being reported on an auto loan account. The letter was received and signed for on XX/XX/year>, according to XXXX tracking. 

In this letter, I formally requested an investigation and validation of the reported late payments under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) and XXXX, which require data furnishers to report only complete and accurate information and to investigate disputes in a timely and verifiable manner. 

I specifically identified concerns including : *Potential XXXX XXXX compliance violations, where multiple late payments appear to have been reported for a single delinquency. 

*Inconsistencies across credit bureaus, suggesting erroneous or duplicate data furnishing. 

*Failure to provide documentation supporting the accuracy of each delinquency. 

To date ( XX/XX/year> ), XXXX XXXX has failed to respond or provide any verification. They continue to report these negative marks to the credit bureaus, which violates FCRA XXXX ( a ) ( XXXX ) ( A ), as the information has been formally disputed and not properly verified.

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 2025-04-04 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: CA

Complaint narrative:
I am a XXXX  of identity theft. There were inquiries fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus by having them remove these inquiries immediately off my credit! Names of the companies and dates are listed below : XXXX ) XXXXXXXX XXXX - XX/XX/year> XXXX ) XXXX XXXX - XX/XX/year>

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 2025-04-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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 need help, I have attached supporting document. Request for Full Cancellation of Student Loan Debt Due to XXXX Violations and Data Compromise

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Her ban name XXXX XXXX Customer Service Department Prosperity Bank Dear Prosperity Bank Customer Service, I am writing to formally express my concerns regarding my recent experience while attempting to open an account at your branch. Unfortunately, I felt that I was subjected to XXXX profiling during this process, which has left me feeling disheartened and disappointed. 

During my visit on I encountered appeared to me that my XXXX  played a role in the treatment I received, which is both troubling and unacceptable. 

I believe that all customers deserve to be treated with respect and fairness, regardless of their background. I am hopeful that Prosperity Bank values diversity and inclusion, and I would appreciate a response to my concerns. 

Thank you for taking the time to address this matter. I look forward to your prompt reply. 

Sincerely, XXXX My email XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3- Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowle
dge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a fully verified Robinhood account which is many years old. I deposited {$1000.00} into Robinhood on XXXX XXXX, which I then bought cryptocurrency with. They immediately froze my account and I filled out the support form to be contacted. I was told to wait XXXX business days refused to be given an explanation. They already have all the possible information so they can ask for so they are just holding my money XXXX at this point, and its obvious that XXXX business days will turn into XXXX business days. Please help. I just want to get my hard-earned money out of this crooked site that locks accounts for no reason and provides no timely response.

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

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I am writing to dispute the mortgage interest reported on Form 1098 for tax year 2024. The amount reported does not match the actual mortgage interest paid out-of-pocket by me, and I believe it inaccurately reflects the impact of a temporary interest rate buydown that was partially used and partially refunded during a refinance. 

Background When I purchased my home in XX/XX/year>, the seller paid for a XXXX temporary interest rate buydown totaling {$10000.00}. 

This buydown was used to subsidize the interest on my monthly payments for the first few months of the loan. Specifically, {$1700.00} of the buydown was applied toward interest over the course of three payments. 

In XX/XX/year>, I refinanced the loan. The unused remainder of the buydown ( {$8900.00} ) was applied as a principal reduction to the new loan. 

Issue with Form 1098 One of the mortgage lenders ( the original pre-refi servicer ) issued a Form 1098 showing only {$730.00} of mortgage interest paid. 

However, my records show that I made {$11000.00} in interest payments during the covered period, of which : {$1700.00} was paid via the buydown subsidy {$10000.00} was paid directly by me. This total is supported by the 3 mortgage statemtents ( {$8500.00} ) and the payoff statement ( {$3400.00} ). 

The lender reduced my reported interest paid by the full value of the buydown, rather than only subtracting the portion used to subsidize interest. 

The remaining unused buydown was not used for interest and instead applied to principal. It should not reduce my reported interest paid. 

They did provide a cursory look at this but their numbers can not be reproduced using my statements and they have refused to provide any more detail. 

Supporting Documentation Attached Monthly mortgage statements Payoff Statement Why This Matters IRS rules state that mortgage interest is deductible to the extent that it is paid by the taxpayer, regardless of third-party subsidies. While lender-reported 1098 forms may exclude seller-paid interest subsidies, the interest I personally paid should be reported and is clearly deductible. Subtracting unused funds from reported interest is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

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 2025-04-04 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: ME

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have had an ongoing issue with being able to receive mail from them. the biggest issue is they have been unable to send me a replacement debit card. I have spent the last 2 months trying to get this fixed and no one is helping me. I feel like they are holding my money XXXX and no one wants to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: WA

Complaint narrative:
Capital Accounts called on XX/XX/XXXX to collect a debt from XXXX XXXX XXXX XXXX XXXX for {$150.00} from XX/XX/XXXX. I wasn't familiar with this company or the debt. I called today to request that they send me validation information. XXXX XXXX is out of business. Capital Accounts told me they could not/would not send me any information about the debt and that I had to get it from XXXX XXXX XXXX I told them XXXX XXXX is out of business. They refused to provide me any information in writing about the debt owed.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation