vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Champions Funding, LLC
State: CA

Complaint narrative:
Closing Disclosure 1- Rates is 7.5 % in XX/XX/XXXX XXXX The loan company changed to 9.34 % in XX/XX/XXXX The loan company didnt except contact with escrow from this date until XXXX XXXX to change the rate without reason XXXX I made a payment in XX/XX/XXXX XXXX $ for three months I didnt get any records in my account for this payment, and the loan company told me the loan transfer for us in XX/XX/XXXX so we dont have information before XXXX the loan company changed me a lot of fees and I cant arrive my statement XXXX the loan company never paid for insurance and XXXX gets the insurance amount from the first month Also, I get tax refunds and I get late tax letters.

You did not calculate the insurance amount ( one year ) and the taxes ( 8 months ) that I paid with the escrow.

5- All payments are written in an incomprehensible and unclear manner.

6 - I think the loan contains a lot of manipulation and fines.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and observed a past due account from XXXX XXXX XXXX. 

I contacted Preferred Credit and they stated I had an account with a company called XXXX and that I have been making payments via a XXXX XXXX  account. I have never done business with a company called XXXX and I have not had a XXXX XXXX account since 2021. I bank with a XXXX XXXX  I demand this account be removed from my credit report due to it being fraudulent and is damaging my credit

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I requested an investigation. I totally screwed up and entered the incorrect social security number however the company verified the information with the wrong social. Afterwards the company reinserted the errors onto my credit report after further dispute it's still on my credit report is being reported twice on two different social security accounts. I was later made aware that I provided the wrong number and they pasted the same information all over again. My social is XXXX I sent a copy of my ssn

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 2025-05-04 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: SC

Complaint narrative:
I am writing to formally dispute the reinsertion of an account on my credit report without proper notification as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), and in violation of Metro 2 compliance reporting guidelines.

This account had previously been removed from my credit file, yet it has now reappeared with a status of " XXXX account. {$5300.00} past due as of XXXX 2025. '' As mandated by federal law, you are required to notify me in writing within 5 business days of any reinsertion of previously deleted information. I have not received any such notice.

Additionally, per Metro 2 compliance guidelines, all data furnishers and credit reporting must maintain accurate, complete, and timely records, and ensure that reinserted data meets all required reporting standards. Reinserting an account without validation, proper notice, and compliance with industry standards constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Wallet stolen and identity theft occured multiple times, had multiple accounts opened. Filed FTC report and sent to all XXXX bureaus. Removed from XXXX  and XXXX, Equifax has received dispute but items not removed due to fraudulent activity. Also reporting a card that I currently have but has wrong account number and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$8300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$22000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$17000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$150.00}

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 2025-05-04 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: NCB Management Services Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the reinsertion of an account on my credit report without proper notification as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), and in violation of Metro 2 compliance reporting guidelines. 
This account had previously been removed from my credit file, yet it has now reappeared with a status of " XXXX account. {$5300.00} past due as of XXXX 2025. '' As mandated by federal law, you are required to notify me in writing within 5 business days of any reinsertion of previously deleted information. I have not received any such notice.

Additionally, per Metro 2 compliance guidelines, all data furnishers and credit reporting must maintain accurate, complete, and timely records, and ensure that reinserted data meets all required reporting standards. Reinserting an account without validation, proper notice, and compliance with industry standards constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : DEPT OF EDXXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Upon reviewing my credit report, I noticed there was a collection account reporting that I was unaware of and had no knowledge of this account. I then placed a dispute with all reporting agencies to include XXXX XXXX XXXX XXXX  I then sent a validation on debt letter to this agency with no response. I have never done business with this company and have no contracts or agreements and did not give them permission to access my social security number or any confidential information. There is no written signature of any kind of my ever authorizing such instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Upon reviewing my credit report, I noticed there was a collection account reporting that I was unaware of and had no knowledge of this account. I then placed a dispute with all reporting agencies to include XXXX XXXX XXXX XXXX I then sent a validation on debt letter to this agency with no response. I have never done business with this company and have no contracts or agreements and did not give them permission to access my social security number or any confidential information. There is no written signature of any kind of my ever authorizing such instances.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I had a credit card with XXXX  XXXX with a balance of {$810.00}. I had my credit card debt consolidated and paid everything off in full with a loan from XXXX  XXXX XXXX  XXXX negotiated a lower debt of {$350.00} with mid line credit who bought the loan from XXXX  XXXX which has been paid in full. However, it is still being shown on my credit report months later saying that I am behind at least five payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I have a XXXX dollar balance due, but interest keeps adding. Unable to find what my actually monthly total is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX * * * * BALANCE : {$450.00}, DEPTARTMENT OF EDUCATION XXXX * * BALANCE {$1800.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal charged my all of my debit cards XXXX  times total when it shouldve been my PayPal credit Balance which had more than enough to cover the total. The card didnt even say it was declined or anything was wrong with the transaction. This is theft. I have email proof of my the charges and even proof that my default payment method previously set up with PayPal wasnt even used. Matter of fact I just made a new purchase changed the default payment method again to another card and guess what, it charged my debit card XXXX times again but this time declined the transaction ( I have picture and email proof ). There is a problem with PayPals system and yall are stealing my money.

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Account was previously disputed and the account has yet to receive validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX I went to XXXX Honda to get a XXXX lease and trade in my XXXX. They put the wrong VIN on the contract. I told them about the error on XX/XX/XXXX and they told me not to worry. On XX/XX/XXXX I went back and they changed the temporary registration and said thats all that needed to be done. 
On XX/XX/XXXX XXXX Honda sent Forged Contract ( s ) to Honda Financial Services. I made Honda Financial Services aware of the contracts being forged and the VIN # being wrong. Honda Financial Services wants me to pay for a car I never signed for, the contract ( s ) they have dont have the VIN # they want me to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-04 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:
My accounts was exposed in data breach! Unknown Collection agencies being reported without debt validation. 
Unauthorized inquiries on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
Dear Experian Dispute Department, This letter serves as a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and in accordance with Metro 2 compliance standards concerning the accuracy, integrity, and verifiability of the information reported on my credit file related to the above-referenced account. 
Upon review of my Experian credit report, I noticed the following discrepancies and compliance 1. Collection Status Reporting : The account is listed as both " Closed '' and a " Collection account/Never late '' while showing a " Past Due Amount '' of {$4000.00} as of XX/XX/XXXX. These statuses conflict. A closed account should not accrue a new past-due amount unless it has been re-aged or re-reported in a manner inconsistent with Metro 2 guidelines. 
XXXX. Date of Last Payment and Status Update : The last payment date is listed as XX/XX/XXXX, but the balance was updated in XX/XX/XXXX with no record of any new activity. Under Metro 2, accounts must not be re-aged, and the Date of First Delinquency ( DOFD ) must be accurately preserved.

3. Balance Reporting : The balance increased from the original balance of {$3900.00} to {$4000.00} without any supporting documentation or indication of permissible charges. This may constitute inaccurate or unverifiable reporting under FCRA 15 U.S. Code 1681e ( b ).

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