vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
JCPenney, which is operated through Synchrony Bank, closed my account in XX/XX/year>, citing a high debt-to-credit ratio based on my credit report. However, this particular card had been paid off in full since XX/XX/year>. When I called on XX/XX/year>, I was told a letter had been sent to notify mebut only after the account had already been closed. I questioned why the notice wasnt delivered through my online account, especially since I had enrolled in paperless statements. The representative simply stated that they dont do thatnotices are always mailed after the account is closed.

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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
On XX/XX/year> i sent the certificate of Trust in order to have Planet Home Lending put my mortgage into the name of the family trust. They didn't respond. I kept calling and they said you must send the entire trust document. This is not legal, I have consulted with two attorneys and they are not entitled to all my 200 pages of financial information. All other entities accept the certificate of Trust that was prepared by the XXXX attorneys when they wrote the trust. Finally Customer service told me to send the cert. On XX/XX/year> Customer service told me and emailed me that the documents we submitted to operations. I never heard back and called twice. They said it was still being reviewed XXXX XX/XX/year> I called customer service demanding to speak with operation they don't allow that. They said operations would call me back with XXXX hours. However XXXX called back and just repeated that I must send the entire trust. This is illegal. If I were to die today my family would have to go into probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Closed VA mortgage with Freedom Mortgage in XX/XX/XXXX. Request was made via telephone call for escrow refund on XX/XX/XXXX and was told refund check was generated and mailed XX/XX/XXXX. After confirming no refund check received at address on file, Freedom issued new check request on XX/XX/XXXX. After not receiving escrow refund check, telephone call placed to Freedom Mortgage on XX/XX/XXXX and spoke to XXXX employee # XXXX. XXXX submitted new check request that would be completed by XX/XX/XXXX. After not receiving escrow refund check another telephone call placed to Freedom Mortgage and spoke to XXXX employee # XXXX. XXXX stated check was system returned due to invalid address. I confirmed address on file is correct address. XXXX issued new check request and escalated to care team as I was not allowed to speak to manager. 
No escrow refund check received as of XX/XX/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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Axiom Acquisition Ventures, LLC
State: MS

Complaint narrative:
I received a letter stating a debt was owed from XXXX XXXX for a debt from that was axiom XXXX  that was a apparently alleged debt from an achieve loan I have sent several letters asking for validation certified mail with no response. This was removed from XXXX  and XXXX  but XXXX  still has it listen on my report I have also written XXXX  disputing the debt with a statement that said they had not heard back from the client. I have sent certified mail asking this to be removed it is affecting my credit and my family lively hood

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern I am demanding the immediate deletion of the inaccurately reported collection account by XXXX XXXX XXXX from my credit file due to clear violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The same alleged debt is being reported under multiple, inconsistent account numbers across all three major credit bureaus : - XXXX  : Account # XXXX - XXXX  : Account # XXXX - Experian : Account # XXXX This is misleading, confusing, and factually inaccurate. It may also constitute duplicate reporting or re-aging of debt, both of which are illegal under federal law. Furthermore, if this debt can not be validated with accurate documentation proving ownership, balance, and chain of assignment, it must be deleted immediately. 

This is a formal dispute and demand for deletion, not correction.

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 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
Professional collector corporation which I will put pcc as reference to them. Pcc changed the date of service to make it look like a new bill. The problem is that the client number stayed the same. The papers I am going to to show you are from directly the Wisconsin department financial institution. You will see that the receipts show the bills were paid in full by a contractual adjustment. Also pcc put attorney fees and court costs on a medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
UPON REVIEWING MY CREDIT I NOTICED HARD INQUIRIES THAT I DID NOT MAKE AND THAT ARE FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THIS WERE NOT DONE BY ME AND ARE FRAUD!!!!!!!!! 
THESE INQUIRIES VIOLATE 15 USC 1681B ( A ) ( 3 ) FCRA 15 UCS 1681C-2 REQUIRES CREDIT BUREAUS TO COLLECT INACCURACIES PROMPLTY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
UPON REVIEWING MY CREDIT I NOTICED HARD INQUIRIES THAT I DID NOT MAKE AND THAT ARE FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THIS WERE NOT DONE BY ME AND ARE FRAUD!!!!!!!!! 
THESE INQUIRIES VIOLATE 15 USC 1681B ( A ) ( 3 ) FCRA 15 UCS 1681C-2 REQUIRES CREDIT BUREAUS TO COLLECT INACCURACIES PROMPLTY

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-05-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Ive been a customer of SoFi Bank for over XXXX years without issue. On or around XX/XX/2025, I received a sudden notice that my SoFi account was being closed due to alleged violations of their Deposit Account Agreement. I was not given a specific reason for the closure, despite calling customer support and asking for clarification. I was told they could not disclose the reason. 

I checked my XXXX report and it shows no negative information. I have never engaged in fraud, unauthorized transactions, or suspicious behavior. The only pattern that may have triggered a review was that I regularly transferred funds from my SoFi account to my main bank for personal use.

SoFi later withdrew my full balance and stated they would be mailing a physical check, which suggests this was not a criminal or legal issue. However, since the closure, Ive been denied new bank accounts and I believe I may have been reported to a consumer reporting agency such as XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge. 

I am requesting : A full explanation of the reason for the account closure Disclosure of any consumer reporting agency information SoFi used Confirmation of whether SoFi reported anything to XXXX or similar databases Removal of any inaccurate or harmful reporting if applicable This situation has created unnecessary financial stress, account denials, and loss of trust. I simply want clarity and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a charged-off account with Mariner Finance that continues to report negatively on my credit reports. The account was charged off in XXXX and the company has since written it off as a loss. 

I contacted Mariner Finance recently to settle the debt in good faith. I offered a 45 % settlement, and later 30 %, due to my status as a XXXX veteran on a fixed income. I explained that I was only interested in resolving the account if Mariner would agree in writing to delete the tradeline from all three credit bureaus upon final payment.

Mariner refused to agree to deletion and insisted on a much higher payment. They continue to report the balance monthly, and the amount has increased from {$4600.00} to over {$5200.00}, despite no payments and the account being charged off over XXXX years ago. 

During the call, the agent referenced my credit report in a dismissive tone, implying that my credit standing gave me no room to negotiate or request deletion. I felt this was inappropriate and unprofessional. When I asked to speak to a supervisor or another representative, I was repeatedly transferred back to the same agent, who was rude, dismissive, and clearly unwilling to help or escalate my request. 

This conduct, combined with the refusal to remove a clearly written-off tradelineeven when I attempted to resolve itfeels unethical and harmful. The balance reporting also appears to violate FCRA standards by inflating post-charge-off debt without clear contractual basis. 

I respectfully request the CFPB investigate and that Mariner Finance : Stop updating this charged-off account monthly if no new activity occurs Cease inflating the post-charge-off balance Address the agent 's conduct and improper use of credit report references Accept a fair deletion-based settlement, or remove the tradeline completely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding Chase Bank 's handling of my chargeback dispute for a misleading transaction involving XXXX XXXX XXXXXXXX XXXX. 

- XX/XX/XXXX I was charged {$490.00} by My Florida Corporate Filings for a Beneficial Ownership Information ( XXXX ) Report filing. Their email implied urgency and fines, leading me to believe their service was necessary. I later discovered I could have filed the report for free through the official XXXX website ( XXXX XXXX XXXX ) - XX/XX/XXXX I received a letter from Chase stating their XXXX review confirmed the transaction as valid and the charge was reapplied to my account. 

- XX/XX/XXXX Chase recharged me after previously refunding the amount during my initial dispute. 

Chase initially refunded me but later called to inform me that I had reached the wrong department. They told me I would receive a follow-up call within a week from the correct department, but that call never happened. Instead, Chase closed my dispute without contacting me again, leaving me no opportunity to submit additional evidence. Their system now prevents me from disputing the charge again, leaving me with no way to challenge the transaction. 

Furthermore, I have found that numerous consumer complaints have been filed against My Florida XXXX Filings on multiple consumer protection websites. The XXXX XXXX XXXX XXXX XXXX  ) has multiple negative reviews describing similar misleading tactics, and XXXX Report also contains detailed complaints from individuals who were misled by this company. These reports indicate a broader pattern of deceptive business practices that have affected multiple consumers. The complaints can be found here : XXXX XXXX XXXX XXXX  and here : XXXX XXXX XXXX  I am requesting the CFPBs review of Chase 's handling of this dispute , as I was misled into paying for an unnecessary service, and my ability to contest the charge has been unfairly restricted. 

Thank you for your time and consideration!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: GA

Complaint narrative:
Account PRINCE PARKER AND ASSOCA XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified Mail '' with receipt displaying my signature. If not, please delete my account XXXX as soon as possible from my report or i will have to take legal 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 2025-05-19 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: WA

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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
On XX/XX/year>, my mother in law wired {$390000.00} from hXXXX XXXX XXXX  account to XXXX XXXX. These funds were to be applied to Shellpoint Mortgage Servicing to pay off our loan # XXXX. 

As of this writing, these funds have not been received into our account and the loan has not been paid off. We have called on these funds daily, and are being told to wait until XX/XX/XXXX. This wire transfer was a part of a real estate closing, which is being help up, and no one at Newrez is able to do anything to fix this issue. 
Wire receipt is attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
My loans were forgiven effective XX/XX/XXXX and received my discharge letter XX/XX/XXXX. After receiving my letter, I made contact with XXXX on a few occasion but the wait time was more than XXXX hours. On XX/XX/XXXX at XXXX XXXX  I received a return call from XXXX. When inquiring about not only when will this be reported to the credit bureaus ; I also inquired about my refund. The representative stated that it could be from XXXX  days to XXXX months or more before reporting to the credit bureaus and as far as my refund she did not see a refund. When asked how she did not see the refund, she stated because she did not see the discharge letter. I asked to email and she said no, " it should appear in a few weeks! '' ( Again I received my letter in XXXX of XXXX but it served me no good to go back and forth with the XXXX ) I disputed the balance and status with all XXXX bureaus on XX/XX/XXXX and attached the discharge letter. On XX/XX/XXXX I received notifications that my dispute was substantiated and all XXXX bureaus update my XXXX credit file to show a XXXX balance and closed ; however starting last week I received a steep decline in my credit score because my debt rose to double the amount, It was the XXXX account being placed bay on Transunion and XXXX. I disputed with both and again and reached out to XXXX but it was another XXXX hour and more hold. I also sent an email back on XX/XX/XXXX to this email " XXXX '' with no response. The forgiven amount with principal and interest is {$200000.00} with a negative outstanding balance of {$2700.00} effective XX/XX/XXXXXXXX

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 2025-05-19 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: GA

Complaint narrative:
My loans were forgiven effective XX/XX/XXXX and received my discharge letter XX/XX/XXXX. After receiving my letter, I made contact with XXXX on a few occasion but the wait time was more than XXXX hours. On XX/XX/XXXX at XXXXXXXX XXXX I received a return call from XXXX. When inquiring about not only when will this be reported to the credit bureaus ; I also inquired about my refund. The representative stated that it could be from XXXX  days to XXXX months or more before reporting to the credit bureaus and as far as my refund she did not see a refund. When asked how she did not see the refund, she stated because she did not see the discharge letter. I asked to email and she said no, " it should appear in a few weeks! '' ( Again I received my letter in XXXX of XXXX but it served me no good to go back and forth with the XXXX ) I disputed the balance and status with all XXXX bureaus on XX/XX/XXXX and attached the discharge letter. On XX/XX/XXXX I received notifications that my dispute was substantiated and all XXXX bureaus update my XXXX credit file to show a XXXX balance and closed ; however starting last week I received a steep decline in my credit score because my debt rose to double the amount, It was the XXXX account being placed bay on XXXX and Experian. I disputed with both and again and reached out to XXXX but it was another XXXX hour and more hold. I also sent an email back on XX/XX/XXXX to this email " XXXX '' with no response. The forgiven amount with principal and interest is {$200000.00} with a negative outstanding balance of {$2700.00} effective XX/XX/XXXXXXXX

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