vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
The first time I tried online with the Credit Reporting Agency to delete the inaccurate personal information, and they failed to update my credit report. The Credit Reporting Agency is reporting inaccurate information that included the misspelling of my name multiple times, wrong multiple mailing addresses, and inaccurate employer information. 

The second time I printed out a copy of my credit report online. This time I called The Credit Reporting Agency to delete the inaccurate personal information on my credit report, and they refused to update with the correct information. I called the Credit Reporting Agency and spoke with a representative on XXXXXX/XX/year>, and the Credit Reporting Agency refused to delete and update my credit report with the correct spelling of my name, delete inaccurate addresses, and delete the inaccurate employer information.

I provided the Credit Reporting Agency with all my personal information ( correct spelling of my name, social security number, date of birth, correct mailing address, email address, and phone number ) to verify myself with them, and they still refused to update my report with the correct information.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inaccurate late payment does not align with my established payment behavior. I request its immediate deletion and proper correction of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Companies responses is untrue as they have received as well as bureaus fraud package for the loan from their company prior ( see Below ) Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We understand you are disputing the Parent PLUS Loan that was disbursed on XX/XX/XXXX, for XXXX XXXX to attend XXXX XXXX XXXX. We have enclosed a copy of the Promissory Note used to disburse the loan for your review. The loan agreement was electronically signed. Electronic signatures are recognized under state and federal law including the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), the Uniform Electronic Transactions Act ( UETA ) and the separate laws of the states of XXXX, XXXX  XXXX, and XXXX. We received your ID Theft, and our Fraud Department reviewed it. To discharge your loan, we need a fraud discharge form completed and one was sent to you on XX/XX/XXXX, by our Fraud Department. They advise that the form has not yet been returned. Once we have sufficient documentation, a fraud discharge will be submitted to Federal Student Aid. If approved, the discharge will be processed and updates made to the national consumer credit reporting agencies. You may contact our Fraud Department by calling XXXX, and they will be happy to address any questions or concerns you have regarding this issue. 


The price of it being filled out, notarized and received by then is attached. The email address is that of the student not mine, the signature not provided, the contacts info also incorrect but that is due college to investigate as I did not sign for approve or go to college nor Fir anyone else if this is not removed o will be suing for XXXX XXXX for damages, falsified records and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Square , Inc. ) for failing to unlock my account and release my funds in the promised XXXX hour timeframe. 
The activity flagged as fraudulent was initiated by me. I have made this clear multiple times. Support continues to give generic replies and refuses to escalate or provide updates. 
My funds remain inaccessible beyond the timeframe they stated. I believe this is negligence and a failure to provide adequate customer support. I am requesting immediate access to my account and funds. 
My email linked to the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, Equifax, Experian, has failed to fulfil its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit file, leaving inaccurate or unknown accounts. The CFPB have file a lawsuit directly against in the pass against Experian directly alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute out come. These failures as will align with my experience alone with data breech and been a victim of Identity Theft. Experian, Equifax, Transunion neither correct of remove the these accounts of my credit file. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove these disputed accounts, as Transunion, Equifax, and Experian 's violates federal law and my rights 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland credit MANAGEMENT states the disputes I have made is duplicate. For XXXX in XXXX, XXXX. I request that the investigation conducted be provided.

USC 1681i a 6 b iii 1 method of verification 2 description of procedure 3 proof of documentation during investigation that proves accuracy to consumer report. 5 business days or items must be removed from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I voluntarily surrender the auto and they picked it up on XXXX tried contacting them several times because I hadn't received any paperwork about the sale XXXX got the run around and was transferred to multiple departments. My neighbor has a dealer license and was going to bid on my car. I sent all my paperwork certified mail with return receipt. I was finally told that it was coming but it never came. I have been locked out of my Chrysler capital account for over XXXX  months and told they would file a ticket and my account would be accessible within XXXX hrs but that never happened. I kept checking my credit on my car and it showed in good standing to see if it was showing a deficiency balance but I figured the process would take at least XXXX  days.The XXXX sent me a letter on XX/XX/year> requesting proof that the car had been repossessed and I told them as soon as I had any paperwork I would send it to them. I received a deficiency letter XXXX contacted Chrysler Capital XXXX and asked when and how did they sale the vehicle.I was informed it was sold at auction on XX/XX/year>. I asked why I didn't receive the auction sale date and was informed they don't send that information if I surrender the vehicle.They told me it was my responsibility to get my gap, extended warranty and maintenance plan back on my own.It is supposed to be refunded to the XXXX associate asked me when I called was I calling to pay {$2100.00} because I was XXXX payments behind even though they had my car since XX/XX/year> and just sent a deficiencey balance for nearly {$15000.00}. This is a dysfunctional company who doesn't follow state laws and didn't send the proper paperwork before the sell of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was looking at my credit report and notice that there were some things that was not correct. I said not later to explain on XX/XX/2023. Here is my tracking number XXXX. But it has been more than 35 days since the credit bureau have not responded. Data violation on 15 USC 1681 I. ( a ) ( 1 ) ( A ) Under 15 USC 1681 I ( a ) ( 1 ) ( A ) subject to suggestion ( F ) and except as provider in subsection. ( g ). Is the completeness of accuracy of any item of information containing in a customer file at the consumer reporting agency? It's disputed by the consumer. And the consumer notices the agency directly. Indirectly through a seller or such a dispute, the agency shall free of charge conduct a reliable real investigation to the terminate, whether the dispute information is inaccuracy and records, the correct status of the dispute information or deleted the item from the file accordance with paragraph ( 5 ). Before the end of the 30 days period beginning of the date of which of the agency received the notice of the dispute from the consumer or sellers?

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I am filing this second complaint regarding ongoing violations committed by the law firm XXXX XXXX XXXX XXXX XXXX in connection with an alleged debt. In a previously submitted CFPB complaint, I described how they failed to provide required debt validation and disconnected calls when I attempted to assert my rights. Since then, I have discovered a second and extremely serious violation : in the summons and legal filings, XXXX XXXX XXXX falsely listed Synchrony Bank as the creditor, when in fact Synchrony had already charged off and sold the debt to a third-party debt buyer XXXX XXXXXXXX XXXX I personally contacted Synchrony Bank, and they confirmed they no longer own the account. At no point was I informed of this transfer prior to the lawsuit, nor did XXXX XXXX XXXX disclose XXXX XXXX as the actual debt owner. This is a material misrepresentation and deceptive legal practice that undermines the entire basis of the lawsuit and violates both the Fair Debt Collection Practices Act ( FDCPA ) and New York XXXX XXXX XXXX XXXX, which prohibits deceptive business conduct. Listing the wrong creditor in court filings is not a clerical error it is a deliberate omission of the true party in interest, denying me the ability to properly respond or challenge the claim. I am filing this new complaint because this second violation is distinct, extremely serious, and merits separate investigation and enforcement action.

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Had a loan that I paid off in full with Select Portfolio Servicing, they have not sent back an escrow refund and my overpaid final payment. They are always researching the issue and have no answers for my escrow refunds totallying between {$12000.00} XXXX. 
I have spoken to various customer service representatives over the last month and they are going to look into it. 
They representatives have only said that they issued checks on the XXXX XXXX and on the XXXX of XXXX only to cancel any checks that were sent to me. 

The companys customer service representatives while polite dont seem to be able to actually address any issues.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

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

Company 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 2025-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
A property tied to a probate estate was sold using a XXXX XXXXbacked loan based on concealed, falsified closing disclosures. The sellers counsel submitted a doctored settlement statement to the court, omitting {$50000.00} in closing funds and omitting estate bank accounts. No valid HUD-1, CD, or licensed appraisal was ever provided, only a XXXX using non-comparable properties. I requested accurate disclosures directly, but was ignored. This appears to be a coordinated effort between the estate representative, title, and lender to defraud the estate and misrepresent assets. I have submitted referrals to XXXX XXXX, DOJ, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, my wife and I placed a {$5000.00} deposit with XXXX XXXX ( XXXX XXXX  ) using my Bank of America credit card to reserve a vehicle. We canceled the transaction the same day, just a few hours later, after reconsidering our decision. No vehicle was delivered, no contract was signed, and no services were rendered. 

At the time of the transaction, the dealership did not disclose that the deposit was non-refundable, nor did they explain that a clause to that effect existed within a stack of dealership paperwork. We were also not provided a copy of the signed deposit form until after we canceled and requested a refund. We contacted the dealership for a refund, but they refused to return the deposit. 

I submitted a dispute with Bank of America and provided all supporting documentation, including a detailed letter of explanation, deposit receipt, vehicle build sheet, dealership quote ( which explicitly states this is not an agreement to sell or lease the vehicle ), and cancellation emails. However, Bank of America denied the dispute, citing the dealerships non-refundable policy, without acknowledging the same-day cancellation and lack of disclosure. 

I later confirmed with the dispute team that my uploaded and faxed documents were not reviewed before denial. This appears to be a failure in due process, and the decision was made without fairly considering the evidence I submitted.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a Southwest Credit systems currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Southwest Credit system would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
i have a bunch of inquiries on my report, late payments and things that should not be on my report i have been disputing everything for some type now. i will attach documentation. Please have all of these negative items removed from my credit report, as many of them appear to be fraudulent. There is an error, and it is affecting my ability to apply for things.

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 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was not able to log into my Capital One 360 XXXX  savings account since XXXX. Capital One had sent out emails to account holders on XX/XX/XXXX informing that a technical issue at a third-party service provider caused delayed timely processing of some banking transactions and impacted ability to bank online and informed that this issue has been resolved. However I could not log-in to my account ever since. I kept calling capitol one almost every other week. In the beginning the customer service representatives tried trouble shooting by asking me to delete cookies on my laptop, asking me to open website in an incognito mode and then asking me to use another device. These resolutions worked only the first time and the issue would come back again if I try to log-in the next time. Since these resolutions were not working Capital One purged my account and asked me to re-setup online account but when I try this I get an error. I have been calling customer service almost every other week and have spent hours on the call. The customer service representatives opened 6 tickets with capital one 's digital issues team and the tickets would just be closed with the reason stating 'issue resolved ' without confirming with me if the issue has resolved at my end. I have also been transferred to managers who escalated the case to management by opening a case ( I have case numbers for atleast 3 cases opened ) and I have no information as to what happens after these cases are opened. I was informed on phone by capital one representatives that some of these cases were closed without recording any resolution or reason. No one from Capital One called me to help except for one time when my account was purged. As the issue was not resolving, by end of XXXX I requested to close my account by phone and transfer funds to another bank account. But this request also could not be completed as Capital one representatives got an error when they tried to transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Today, XX/XX/25, Capital one bank informed me that they are closing my XXXX  account that was just opened. They are not providing a specific reason. XXXX not involved in any legal proceedings at present time. I request the exact reason and the source of the information.

Company response to consumer: Closed with explanation