vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Clear from file my record all this info. I am a victim of identity theft and didnt agree wit dis charge. Pls, remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I was charged a rate lock fee in the amount of {$500.00} by AmeriSave. After sharing my apprehension to pay such a large sum of money up front to merely lock in a rate when I was unsure if we would proceed with the loan, my loan officer, XXXX XXXX, assured me that the fee was fully refundable if my husband and I changed our minds. On XX/XX/year>, I reached out to XXXX via email and requested that the rate lock fee be refunded. This is after receiving official loan details/documents via email that did not match what XXXX and I had discussed over the phone. I have been ignored by XXXX since reaching out via email on XX/XX/year>, XX/XX/year>, and XX/XX/year>, as well as via telephone and email to AmeriSave 's customer service department. 

Additionally, and quite shockingly, on XX/XX/year>, a loan officer named XXXX stated to me, " AmeriSave doesn't refund rate lock fees. I don't know why your loan officer made such a promise, but once you pay the fee, that money 's gone, and you're not entitled to it if you change your mind. '' Furthermore, as of XX/XX/year>, AmeriSave has called me EIGHT TIMES since XX/XX/year> in an effort to get me to apply for a mortgage with them. I do not want a mortgage with AmeriSave, I want the refund that was promised to me!

This is a prime example of lies and manipulation on the part of AmeriSave!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
Someone hacked my cash app on XX/XX/XXXX from XXXX  at the time I was getting my paycheck. Bought & sold it to XXXX. Been fighting with them since day XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX Date Last XXXX late 30 days XX/XX/year>, late 60 days XXXX late 90 days XX/XX/year> 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 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
CFPB Complaint Summary Issue : Incorrect mortgage reporting after loan modification. 

My mortgage servicer is inaccurately reporting my loan information to the credit bureaus. I received a formal loan modification in XXXX which changed the principal balance and replaced the terms of the original XXXX loan. 

Despite this, the servicer continues to report the original loan amount as the XXXX value, not the modified loan amount. This is inaccurate and misleading, and it causes a distorted balance-to-original-loan ratio that harms my credit score.

I disputed this with the credit bureaus, and they claimed the information was verified, but the verification did not consider the modification documents. 

I am requesting the CFPB to require the servicer to report accurate information reflecting the XXXX modification. 

Attachments : - XXXX loan modification agreement - Recent statement - Credit report screenshot - Copies of mailed disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
I am disputing lender-placed ( force-placed ) insurance charges by XXXX XXXX XXXX  applied to my mortgage despite continuous homeowners insurance coverage. 

The property was insured under a valid homeowners policy for the entire period from XX/XX/XXXX to XX/XX/XXXX. There was no lapse, cancellation, or non-renewal of coverage during this time. The insurance company has confirmed the policy remained active and that no cancellation notice was issued because the policy was not canceled. I have attached all the policy declarations. 

Despite this, the lender placed lender-placed insurance on the loan and charged {$2700.00}. I was not notified in advance that the lender considered our existing insurance coverage unacceptable because the declaration page listed only my name and did not include my wife 's name. Although my wife is the borrower on the loan, we both co-own the property. I did not receive the required XXXX notice or the XXXX final notice prior to the placement of lender-placed insurance. 

I only became aware of the lender-placed insurance and related charges within the last few months ( XXXX ). Upon discovery, I immediately corrected the homeowners policy for the current term, which the lender has accepted. 

During a recent phone call, the lender acknowledged that the required notices were not sent and stated this was due to not receiving a cancellation notice from the prior insurer. However, no cancellation occurred, and coverage was continuous throughout the disputed period. 

The lender-placed insurance was therefore applied due to an administrative or documentation issue, not due to lack of insurance coverage. I am requesting removal of the lender-placed insurance charges and a full refund or escrow credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
[ Summary ( concise ) : ] XXXX denied my smallbusiness loan application and emailed a referral to XXXX without providing a compliant adverseaction notice under ECOA/Reg B or required FCRA disclosures ; I also received no GLBA/Reg P privacy notice explaining data sharing. I mailed a formal dispute by certified mail on XX/XX/year> ( delivered XX/XX/year> ). 
[ Short summary ] XXXX sent a non-compliant email stating it was unable to move forward with my business loan application and referred my application to XXXX, but XXXX failed to provide the statutorily required adverse-action disclosures under ECOA/Regulation B and ( if a consumer report was used ) FCRA/Regulation V. I sent a certified demand letter seeking compliance ; delivery was confirmed on XX/XX/year>. 
[ What happened ( clear chronology & facts ) : ] 1. ) I applied for business financing with XXXX on [ insert application date ]. 
2. ) On XX/XX/year> XXXX emailed me an application update stating : XXXX has reviewed your application and while we were unable to move forward with funding through XXXX, we have matched you with one of our Trusted Lending Partners - XXXX. ( attached ). 
3. ) On XX/XX/year> I mailed XXXX a certified demand letter requesting a compliant adverse action notice, identification of any consumer reports used, copies of any internal reason codes/scorecards, and a list of all data shared with XXXX. ( attached ). 
4. ) USPS certified mail shows XXXX received that demand on XX/XX/year>. ( attached ) 5. ) To date I have not received a compliant adverse action notice identifying the principal reasons for the denial nor ( if a consumer report was used ) the FCRA-required CRA identification and notice. 
[ How this affected me : ] I was denied access to capital for my small business without being told the principal reasons or given an opportunity to obtain and correct any consumer report information. I am also concerned my personal data was shared with a third party without proper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions failure to respond to and properly address a documented payoff/payment dispute involving my auto loan account. 

On or about XX/XX/XXXX, Navy Federal Credit Union received a registered mail package delivered to its front desk/mail room in XXXX, Virginia, as confirmed by USPS tracking XXXX. The delivery was accepted by Navy Federal. 

The correspondence concerned my auto loan account and included a payment/tender related to the loan payoff. Navy Federal had previously issued a Consumer Loan Payoff Letter confirming the payoff amount of {$8600.00}, valid through XX/XX/XXXX, for Account No. XXXX NAVY FEDERAL PAYOFF. 

Despite confirmed delivery and receipt of my correspondence : Navy Federal did not provide any written acknowledgment of receipt ; Navy Federal did not issue a written acceptance or rejection of the tender ; Navy Federal did not provide an explanation of how the payment was applied, rejected, or otherwise handled ; Navy Federal did not respond within a reasonable time to clarify the account status. 

Subsequently, I observed that the auto loan disappeared from my online account view, yet no written confirmation of payoff, discharge, or credit reporting update was provided. I also did not receive lien release documentation or written confirmation explaining the accounts status. 

This lack of response and documentation has left the account status unclear and has prevented me from confirming whether the obligation was satisfied, rejected, or misapplied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX  - XX/XX/year> XXXX 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 non-monetary relief
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-19 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: CL Holdings LLC
State: FL

Complaint narrative:
Company being complain bout Jefferson Capital System Product or Service : Debt Collection / Credit Reporting XXXX XXXX XXXX What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 



What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting. 



What resolution I am seeking : I am requesting that this collection agency either : 1. Provide full and proper documentation validating the debt and their authority to report it, or 2. Remove this account from my credit report if they are unable to verify its accuracy I am requesting a full investigation and a written response explaining the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I recently discovered that XXXX XXXX submitted documents claiming I owe a debt on a, account number XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX that they say I owe {$6000.00} that also includes {$640.00} in interest fees that contains my forged signature and incorrect dates. I have not signed these documents, and I have evidence of the original documents showing the forgery. This is a federal crime under 18 U.S.C. 1028 ( fraud and identity theft ) and related laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates states that it purchased an account originally issued by XXXX XXXX XXXX and claims that no further contract was required between PRA and me. This statement is misleading and does not satisfy federal consumer protection requirements. While PRA alleges ownership of an account, it has failed to provide any documentation showing that I personally authorized PRA to access, store, or report my personal information or that I consented to the transfer of my data to PRA. 

The response relies on internal records and statements from the seller and claims that consumer permission or consent is not required to furnish information to consumer reporting agencies. This position conflicts with the Fair Credit Reporting Act. Under 15 USC 1681b, a company must have a permissible purpose to furnish or obtain consumer report information. That permissible purpose must be tied to a lawful relationship or consumer authorization. PRA has not produced any document bearing my signature or consent authorizing PRA to possess or use my personal information. 

PRA also references Privacy Regulation V and its own privacy policy as justification for reporting. A company privacy policy does not override federal law and does not substitute for consumer consent. The absence of an opt out requirement does not eliminate the obligation to demonstrate lawful authority to collect or report. PRA has not shown any agreement that establishes a direct relationship between me and PRA. 

Additionally, PRA asserts that it sent an initial notification letter and that no dispute was received. That claim does not establish lawful authority and does not cure the absence of consumer authorization. Reporting disputed information without verifying the legal basis for data possession violates 15 USC 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy. Accuracy includes legal accuracy and authority to report, not just numerical balances.

Company response to consumer: Closed with non-monetary relief