vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fairway Independent Mortgage Corporation
State: IL

Complaint narrative:
There were XXXX property tax payments sent to XXXX XXXX since XX/XX/XXXX. Once of the payments was duplicate. I have called the mortgage servicer Fairway mortgage XXXX ; loan # XXXX. I called multiple times and the issue has not been resolved. Initially, the lender open a case to further investigate areound the end of XX/XX/XXXX and the lender closed the cased on XX/XX/XXXX. The lender verbally shared with me that they were going to rollover the excess funds. I called the XXXX county Tax authorities and they confirmed that they do not roll over any excess of payments. 

I called Fairway Mortgage on XX/XX/XXXX : The case was reopened for further investigate. 

I called Fairway Mortgage again on XX/XX/XXXX and spoke to XXXX from the escalation team at mortgage company and we had a XXXX way call with XXXX XXXX XXXX from Property Tax Authority at XXXX XXXX. XXXX XXXX confirmed over the phone that nobody from the lender had yet requested the property tax refund. XXXX XXXX had provided XXXX XXXX from Fairway Mortgage the specific instructions to request the refund of duplicate payment. 

I called Fairway Mortgage again on XX/XX/XXXX to get a status on refund, waited on hold for more XXXX minutes until someone from the escalation team was able to access the notes on the account. The status is that they are working on the matter still. 

I made the payment to the XXXX XXXX tax authorities in good faith since the county notified me that the tax payment was not received and I should expedite payment to avoid penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
XXXX XXXX  reported a XXXX late payment for XXXX even though the late payment was the result of a temporary and verifiable hardship. My tenant unexpectedly vacated the property and broke the lease without notice, causing a sudden loss of income. I submitted documentation of this hardship to XXXX XXXX. 

I paid the amount due on XX/XX/XXXX, and although the payment was late, this was a one-time situation caused by circumstances outside my control. XXXX XXXX  has refused to make a goodwill adjustment or re-age the account, despite my good payment intentions and the financial hardship caused by my tenants departure. 

I am requesting the CFPB to review this matter and ensure that XXXX XXXX  conducts a reasonable review of my goodwill request and considers a correction or re-aging of the XXXX late payment, as this was a temporary hardship that has been resolved. 

I am simply asking for assistance to prevent long-term financial damage from an isolated event.

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 2025-12-01 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:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-12-01 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: FL

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 15 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 explanation
Consumer complaint received 2025-12-01 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX someone hacked into my account and changed my email address, proceeded to use over XXXX dollars off my account and when I tried to have a claim put on it they denied my claim and wouldn't refund my money. I got paid the day before XXXX and now I'm broke. I did take screenshots and stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-01 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I was scammed by a fraudulent website that posed as the XXXX XXXX to sell tickets, they charged XXXX XXXX  per ticket and DID NOT supply ANY tickets! Their website was XXXX the company behind this is the XXXX XXXX. 
The official legitimate XXXX website charges XXXX XXXX  per ticket is tickets.louvre.fr I purchased two tickets and received a PDF which the museum said was invalid, I did not receive any valid tickets for my payment for {$150.00}. 

I disputed the transaction with Goldman Sachs for my apple card, it was rejected by them since they claimed it was an authorized payment from me, since I originally reported it as unauthorized and not fraud. So they sided with the scammer on a technicality, I reopened the case but this time as Fraud. 

Goldman sachs did not refund me my money and continues to side with the fraudulent party even though I provided clear evidence of fraudulent activity. I also contacted the company behind this to secure a refund and obvioualy they didn't return my funds. 

After three disputes and dozens of hours trying to work with goldman sachs on disputing this fraudulent payment, I have resorted to reaching out to the CFPB to protect me as a consumer given this greedy corporation refuses to protect consumers from fraud. 

A merchant with these many disputes and chargebacks should not be authorized by goldman sachs for payments and goldman sachs should refund impacted users.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-01 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: GA

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am submitting this filing to dispute certain items listed on my credit report. Below, I have provided the accounts that are in dispute, separated by credit bureau. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$76.00} XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I applied for a VA loan modification with my mortgage company. During the process, I was explicitly informed that no payments were due while the modification was under review. Despite this, the company reported my mortgage as late to the credit bureaus. I was never provided written notice that my account would be reported as delinquent during the modification process. This inaccurate reporting has harmed my credit history and score. 

I believe this reflects improper servicing practices and a failure to provide required notice before furnishing negative information to the credit bureaus. I relied on the companys instructions, and the reporting of missed payments is misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

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 15 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 2025-12-01 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: WV

Complaint narrative:
FCRA VIOLATIONS BY EXPERIAN, EQUIFAX & XXXX I, XXXX XXXX, am filing a formal complaint regarding inconsistent, inaccurate, and unverifiable reporting of my Bridgecrest/DriveTime auto loan across Experian, Equifax & Transunion XXXX 

Key side-by-side inconsistencies include : XXXX. Charge-off exceeds original balance on both bureaus ( {$15000.00} vs {$15000.00} ). XXXX. Experian shows charge-off through XX/XX/XXXX ; Equifax shows major delinquency first reported XX/XX/XXXX despite XXXX XX/XX/XXXX. XXXX. Payment histories conflict across XXXX. XXXX. Experian lists Highest Balance blank ; Equifax lists {$15000.00}. XXXX. Fall-off dates differ, indicating re-aging. 

Violations : FCRA 602A, 607 ( b ), 611 ( a ), 623 ( a ), 623 ( a ) ( 5 ), and 605 ( a ). 
Requested Relief : Full deletion of the XXXX account from all CRAs based on inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ark-La-Tex Financial Services, LLC
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the unacceptable and discriminatory treatment I received while applying for an FHA loan through your company. 

During my application process, I was told that XXXX would perform only a soft credit pull, yet a hard pull was done without my consent. This negatively affected my credit, even though my score was XXXX, which should not have been an issue for an FHA loan. 

Even more concerning, I was informed by your representative that XXXX does not work with people who are on XXXX. This statement was extremely offensive, discriminatory, and completely inappropriate. It is unacceptable for a financial institution to deny service on the basis of XXXX status. 

The representatives overall attitude was unprofessional, rude, and dismissive throughout the interaction. I expect to be treated with dignity and fairness, and this experience was the exact opposite. 

I am requesting the following : XXXX. A full investigation into this incident. 
XXXX. Immediate removal or correction of the unauthorized hard credit inquiry. 
XXXX. Written confirmation of the steps XXXX will take to prevent discriminatory practices going forward. 

Please acknowledge this complaint and inform me of the next steps as soon as possible. mikewatson.benchmark.us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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! Update the late payments from my consumer reports

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