vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
In 2023 I noticed a fraudulent account on my credit report from XXXX in the amount of {$3000.00}. I have spent years trying to dispute this with the credit reporting agencies as well as XXXX directly. XXXX stopped responding to my calls or emails, they would not answer my request sent certified mail. The credit reporting agencies failed to provide me with the findings of their investigations so I had the opportunity to dispute the validity of those. Ive been fighting this for years and now its hindering me from obtaining a mortgage. I sent in police report, identity theft reports, I sent proof the vendor the funds were used had an address and name on the invoice that do not match mine.

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 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Bank abused during covid locked me and my brother out of the house during covid when i returned the house was bare none of our belongings where there all of family heirlooms pictures and critical appliances refrigerator, stove/oven washung machine dryer, toilets light fixtures, doora floors, walls removed, No running water to restore had to pay over {$10000.00} to get running water, Bank claimed money for securing the house while vandalized the house and stole our personal proprerty, tried to deva ; uate the house with misleading appraisals, tried to do strict foreclosure when there was equity in the property. 
kept selling the property to entities within the same organization while refusing to provide a clear detailed list of expenses to be paid during closing ignored requests for disclosure of required expenses during closing requesting a payout of {>= $1,000,000} this amount was paid at closing but no disclosure as to why this amount needed to be paid to provide a clear title to new buyer of the property, to sell the house it was required by the buyer thar a refrigeratior and stove were provided as these were removed by bank while they locked us out of the house creating a financial harship to buy or provide credit for these critical appliances when we had a working refrigerator, bathroom, toilets, sinks, running water, the cost of repairing the house to be able to sell was {>= $1,000,000} or the house had been unable to sell because was vandalized by the bank who claimed insurance but never fixed the house to restore the finished basement or the kitchen to have a working stove or refrigerator, the bank hurt me financially for the amount of {$250000.00} yet they will not disclose the payout amount they required during closing as mandated by Connecticut law due process, i have tried ro place claims before but the bank presented pictures of the house after it was vandalized by them and not the original pictures of the house when it had a working stove, kitchen refrigerator, working bathrooms and finished basement, unbroken windows and doors,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management, I received your documents of a billing statement that you sent as your attempt to validate the debt. 

Please let me inform you that the fact that a debt is owed does not give you legal right to collect on the debt. I demand you show me your legal standing to collect this debt by showing me : 1. Your lawful authority to collect the without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. 

Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against you and MIDLAND CREDIT MANAGEMENT. Immediately remove any derogatory reporting to the credit reporting agencies within 7 days or consider this as contrastive notice of impending legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a purchase through my PayPal World Mastercard ( issued by Synchrony Bank ) for an engine listed on XXXX for {$4300.00} on XX/XX/XXXX. The seller described the engine as having only XXXX miles and being OEM ( Original Equipment Manufacturer ), which led me to believe it was in like-new, original condition. 

When the engine arrived, my certified mechanic inspected it and found clear signs of previous damage and repair, including : A repaired engine block A rewelded oil pan baffle Evidence of crankshaft overheating Signs that the engine had been rebuilt and disassembled These issues confirmed that the product was not OEM and did not match the sellers description. I filed a dispute with Synchrony Bank on XX/XX/XXXX, providing supporting evidence including the mechanic 's findings and photos. Synchrony initially approved the dispute and issued a credit on XX/XX/XXXX. 

However, on XX/XX/XXXX, I received a follow-up letter stating that the dispute was closed and the credit was reversed because the seller was willing to address the quality concern. I attempted to work with the seller through XXXX and PayPal, but the seller has been unresponsive and has not cooperated with processing a return or resolution. 

I believe Synchrony Bank failed to properly support a legitimate dispute and sided with a seller engaging in deceptive business practices. I am requesting that the CFPB review this case and assist in holding the company accountable for ignoring clear evidence of misrepresentation.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOBXXXX  SS XXXX I have had issues in the past with ID theft and I do not live at the addresses listed below 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 2025-04-10 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: GA

Complaint narrative:
I recently filed a dispute because theres an account on my credit report that I believe is still being reported inaccurately and incompletely. It doesnt seem like a proper investigation was ever carried out. This ongoing issue has been incredibly stressful for me, and Im feeling emotionally drained and discouraged.

Please, Im asking for your helpIm not sure where else to turn, and this situation is deeply affecting my well-being. I also want to make it clear that I am the one personally submitting this disputenot a third party.

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 2025-04-10 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: GA

Complaint narrative:
I recently filed a dispute because theres an account on my credit report that I believe is still being reported inaccurately and incompletely. It doesnt seem like a proper investigation was ever carried out. This ongoing issue has been incredibly stressful for me, and Im feeling emotionally drained and discouraged.

Please, Im asking for your helpIm not sure where else to turn, and this situation is deeply affecting my well-being. I also want to make it clear that I am the one personally submitting this disputenot a third party.

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 2025-04-10 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: GA

Complaint narrative:
I am filing a formal complaint against Equifax and XXXX XXXX XXXX XXXX for continued inaccurate reporting of a charged-off credit card account ( opened XX/XX/XXXXXXXX  ; last payment XX/XX/XXXXXXXX  ) with a balance of {$12000.00}. 

This account was charged off in XXXX, and under the Fair Credit Reporting Act ( FCRA ), charge-offs must be removed from credit reports 7 years from the date of first delinquency ( DOFD ). We are now approaching or have exceeded that window. 

Additionally, this account should either : Be removed from my Equifax report entirely, or Be updated to reflect a XXXX balance if the debt was charged off and is no longer collectible by XXXX XXXX. 

XXXX and XXXX have already removed this account from my credit reports due to aging and policy compliance. Equifaxs continued reporting of a high balance as of XX/XX/XXXX is both inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SG and Associates
State: FL

Complaint narrative:
A {$1200.00} debt is being reported by Stafford Group and Associates related to XXXX, a lease-to-own company. In 2023, the CFPB found that XXXX engaged in deceptive leasing practices and was ordered to stop all collection activity and delete accounts from credit reports. Despite this, the account remains on my credit file. 

This debt is no longer legally enforceable, and XXXX agreed to cease collection and reporting of all such accounts. 

CFPB Enforcement Reference : XXXX XXXX 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
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Its stated thats an account was opened on XXXX XXXX and has a balance of {$110.00} that I have no knowledge of and its in a collection status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Inaccurate information, unauthorized non-consent. Outdated information that is no longer associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Inaccurate information, unauthorized non-consent. Outdated information that is no longer associated with me.

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, was unf irly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive 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 2025-04-10 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: NV

Complaint narrative:
This is a formal complaint against Equifax for its continued and willful noncompliance with the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Gramm-Leach-Bliley Act, and federal identity theft statutes. The consumer has submitted prior written disputes concerning multiple fraudulent or unverifiable accounts that remain unresolved, unverified, and unlawfully reported. 

Despite written disputes sent to Equifax on XX/XX/year>, the agency has failed to meet multiple statutory requirements, resulting in continued harm to the consumer. 

ACCOUNTS BEING DISPUTED : Creditor Name Account # ( partial ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Hard Inquiry : XXXX VIOLATIONS COMMITTED : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Reporting inaccurate or outdated information. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation within 30 days. 1681i ( a ) ( 6 ) ( B ) : Failure to mark accounts as " Disputed. '' 1681g ( e ) : Failure to provide identity theft resources and fraud alerts.

607 ( b ) : Failure to follow reasonable procedures to assure maximum accuracy.

Fair Debt Collection Practices Act ( FDCPA ) : 1692g : Failure of data furnishers to validate debt within 5 days of notification.

Gramm-Leach-Bliley Act : 15 U.S.C. 68016809 : Failure to safeguard personal consumer data, exposing the consumer to identity fraud.

Identity Theft Protection Statutes : 18 U.S.C. 1028 : Reporting fraudulent accounts without providing mechanisms to address identity theft.

State Law Violations : Under Florida Statutes, identity theft is a criminal offense, and fraudulent reporting constitutes a violation of state consumer protection laws.

DEMAND FOR CFPB ACTION : I request the Consumer Financial Protection Bureau immediately enforce Equifax 's compliance with federal and state law by : Ordering Equifax to permanently delete and block the above accounts pursuant to FCRA 1681i ( c ) due to : Lack of verifiable documentation ; Identity theft ; Procedural violations.

Mandating written documentation/proof ( contracts, signed agreements ) be produced within 30 days or accounts be removed.

Imposing sanctions or fines for repeated violations under FCRA, FDCPA, and the GLBA.

Monitoring Equifax 's corrective actions and requiring confirmation to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax provides links to reset password, however password does not reset and I am repeatedly taken instead to a page that says Give Us A Call XXXX. I call the number and it takes 30 minutes to get an agent, and the agent just tells you to repeat the process, which does not work. Then they accuse you of having a VPN and tell you to turn it off. I do not have a VPN. Then they say they will escalate it, but that you cant talk to those people by calling, they have to call you. No one ever calls. I have gone for months without being able to log in to my account a Equifax and monitor important things and use important functions like locking my credit. I feel totally helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXccount # XXXX Reported to TransUnion, Experian, XXXX This mortgage was on a documented mortgage assitance payment plan during the time it was marked late. Your records do not reflect this accurately, and the report of delinquency is materially misleading.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-10 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:
Please refer to the attachments regarding the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-04-10 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: AL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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