vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
In short, the challenge I am having is getting CARRINGTON MORTGAGE TO CANCEL MY ESCROW ACCOUNT, AND PROVIDE ME TRANSCRIPTS OF OUR CALLS. 
On XX/XX/year>, I submitted to have my escrow account closed, and at least XXXX more times there after, up until XXXXXXXX XXXX XXXX 
At each request a denial letter was received, and with every follow up call came a contradiction to the letter. 
On several calls I was told I could have the escrow closed regardless of account status, regardless of a modification, and immediately, after a modification. 
I grew frustrated and eventually In XXXX XXXX XXXX, I asked for a transcript of all calls related to this matter. 
Shortly after a modification completed in XXXX, I made a XXXX mortgage payment, and a week later submitted to have the escrow closed, as instructed by a member of the Escrow Department. I, again received a refusal letter, siting the recent modification as the reason. I called Carrington to discuss this and was told, their policy does not allow for the cancellation of the escrow after the modification, and the representative had no explanation, as to why XXXX would say what was instructed. I have asked for policy, manuals, and or law that states all about my escrow matters and was told I am not privileged to the internal workings of the company. I advised since this is involving the exchange of money, by law I am. Providing me with any appropriate documents to support the actions done, has not been provided. I advised Carrington mortgage that all payments will cease till the information requested is received, escrow account is closed.

Carrington Mortgage has now sold the loan to XXXX XXXX, who I submitted a escrow cancelation to, and they to are saying, I am unable to closed the escrow, because of a modification, that they did not do, and later sighting the account was new with them and they require XXXX year before any changes can be made to the account, but with no policy or manual that supports this action. I have now advised them of no payments until escrow is closed. 

EACH LENDER WILL TELL YOU THAT I HAVE SENT NASTY LETTERS TO THEM, AND WAS NASTY WITH MY LANGUAGE WITH THEM ON CALLS. 
It is 100 % true, as I explained that I have a XXXX  XXXX, and can and do go into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. 
This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the accuracy of the XXXXXXXX XXXX credit Card account reported on my Equifax, Transunion, and Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

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 2025-09-17 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: NC

Complaint narrative:
the accuracy of the XXXXXXXX XXXX credit Card account reported on my Equifax, Transunion, and Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is an escalation of prior disputes and active CFPB complaints. Multiple unauthorized inquiries remain on the credit file despite prior challenges. The following companies obtained credit reports without authorization or permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations : FCRA 604 No permissible purpose.

FCRA 607 ( a ) CRAs must ensure inquiries are only furnished for lawful purposes.

FCRA 611 ( a ) ( 1 ) ( A ) Inaccurate information must be corrected or deleted if unverifiable.

FCRA 616 / 617 Liability for willful and negligent noncompliance.

Despite prior disputes, no documentation has been provided showing a signed application, written authorization, or permissible purpose from these entities. The CRAs have failed to meet their legal obligations to validate and correct. Reporting continues in violation of the FCRA, constituting willful noncompliance.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 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: CA

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-17 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 kno
ws or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
I have bought something from XXXXXXXX XXXX XXXXXXXX  but then I canceled my order so I put in for money refund they said that they put it in my account and that they already gave it to me and I looked at my print out from the bank they never they never gave me my money back and this is the second time that they do that to me the first time was from a air conditioner and it was a scheme and they stood with that {$50.00} as well did not return my money at all and I don't understand why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ava Finance, Inc
State: TX

Complaint narrative:
I pulled up my credit report and saw something called Ava I immediately contacted them to find out what was Ava. They went ahead explained after they finished, I went ahead to let them know that was not me Ive never opened an Ava account. Said they would close it and investigate never heard anything since this has been ongoing for several months now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Tower loan has violated consumer privacy laws by contacting individuals I have no association with and disclosing financials of myself, the consumer, in an attempt to expedite payment. 

The disclosure of personal information to individuals who are strangers to me has caused duress, ensuring a suit will follow to recoup damages.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Re : Complaint Against Navy Federal Credit Union Credit Card Services Dear CFPB, I am a 100 % XXXX veteran, receiving VA XXXX compensation that is federally protected under 38 U.S.C. 5301. I file this complaint against Navy Federal Credit Union ( NFCU ) Credit Card Services for systemic violations of consumer protection laws. 

Background My NFCU credit card account has been subjected to improper delinquency reporting and penalty fees, despite systemic fraud affecting my identifiers. 
I have already documented that I was fraudulently misclassified as retired, a status contradicted by my XXXX, VA award letters, and a U.S. Senators confirmation. 
NFCU has failed to investigate this fraud and continues to use the corrupted identifiers, which puts me at risk of derogatory reporting and further financial harm. 
In addition, NFCU has provided no accommodations or adjustments despite my XXXX status, amplifying the discriminatory impact. 

Violations 1. Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Furnishing inaccurate delinquency information, failing to conduct a reasonable reinvestigation after notice of fraud.

2. Truth in Lending Act ( TILA ) Improper assessment of fees/interest under circumstances where the account was impacted by fraud.

3. Equal Credit Opportunity Act ( ECOA ) / ADA Discriminatory denial of fair access to credit and accommodations for a XXXX veteran. 
4. UDAAP ( Dodd-Frank ) Continuing to report and penalize based on fraudulent identifiers is unfair and abusive.

Harms Imminent derogatory reporting on my NFCU credit card account.

Suppressed credit profile denial of housing and loan opportunities.

Forced reliance on payday lenders. 
Financial damages contributing to : o $ XXXX equity theft. 
o $ XXXX rent burden. 
o $ XXXX baseline damages, escalating under RICO. 

Requested Action I request that CFPB : 1. Investigate NFCU Credit Card Services reporting and fee assessment practices.

2. Order NFCU to cease derogatory reporting until a full fraud reinvestigation is completed.

3. Require correction of inaccurate data and refund of improper fees/charges.

4. Audit NFCUs treatment of XXXX veterans under ECOA/ADA . 

Attachments ( Exhibits ) 1. NFCU credit card account statements ( with fee/interest charges ).

2. VA award letter ( 100 % XXXX benefits ). 
XXXX. XXXX ( non-retired status ). 
4. U.S. Senators confirmation of misclassification. 
5. XXXX disclosure showing systemic suppression. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief