vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
The mortgage company advertised/promoted making two payment per month ( regular payment split in half ) as a way to reduce interest and payoff mortgage balance faster. Two payments were made as per the advertisement, two weeks apart. The payments were not applied correctly. They were applied toward principle, only. The mortgage company was contacted numerous times to resolve this. Initially, on XX/XX/XXXX, then again on XX/XX/XXXX and again on XXXX, again on XXXX and finally on XX/XX/XXXX. My payment that was due on XXXX is now showing as 16 days past due, when it was paid well in advance and there is still no resolution nor ability to contact the mortgage company via phone. I have made countless attempts to call and am immediately placed on hold for 10, 20, etc. minutes at a time. I am unable to remain on hold for this incredibly long period of time. I have used the online portal to send secure messages insisting this is corrected. The company responds days aftersometimes a week after, simply acknowledging the message without any actual resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
This company purchased my mortgage from XXXX, since then my extra payments that I requested to go towards the principle is not being applied. I have called the company at least 4 times and asked them to correct the problem. They have told me it is noted on my account to apply overages to the principal. I have asked them to go back and apply the money to the dates that it was received, and they have not done that. I can not make a note on the electronic payments from XXXX so I can not state where the extra money goes on the payment. They are holding the money, and I am paying interest on this money even though they have my money. Every payment I have made to them has an overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had three accounts with Synchrony Bank. After established account to monitor my cards and keep up with my payment. I have noticed they will block me from login to my account then call me daily that owned money. When called the company like XXXX and XXXX the companies will reported a different amount as much as XXXX amount- and synchrony back representatives will called 5-10 times per day. I have the Banks will block the customers from managing their accounts and keep track of it. They then send my name to credit collectors.

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 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am a consumer working on resolving inaccuracies on my credit report. Below are the accounts in dispute, separated by credit bureau : Charged Off Accounts : ONEMAIN Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXXXX/XX/XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} Late Payments : XXXX XXXX XXXX Account Number : 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 2025-11-17 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 2025-11-17 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-17 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I applied to rent an apartment at XXXX XXXX XXXX XXXX. My application was denied based on an alleged eviction record, which is false. 

First Advantage reported an eviction linked to a case involving " XXXX XXXX. '' This is incorrect. The case was not an eviction it was a XXXX XXXX case, which I confirmed by obtaining a certified disposition directly from the courthouse. I have provided this documentation to First Advantage multiple times. 

I filed a dispute with First Advantage the same day the denial occurred. 

Since then : They have not provided me with a full copy of my tenant screening report, despite multiple written requests. 

They have not corrected the false information, even after receiving certified court documents. 

They have not provided any meaningful investigation or response beyond generic replies. 

They continue to report false information that is preventing me from securing housing. 

I am a mother of XXXX children, and this incorrect reporting is putting my family at risk of being unable to obtain housing. I have fully complied, provided evidence, and followed all dispute procedures. 

First Advantage is in violation of the Fair Credit Reporting Act ( FCRA ), including : Failure to provide a copy of my report upon request Failure to conduct a reasonable reinvestigation Failure to correct inaccurate information Failure to notify the rental housing provider of disputed and corrected information I am requesting CFPB intervention to compel First Advantage to : Provide me with a full copy of my tenant screening report Remove the inaccurate eviction information Notify XXXX XXXX XXXX XXXX of the corrected report This situation is urgent, as my family is currently unable to secure housing due to this false reporting. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts on my credit report. These accounts have inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). I respectfully request that you investigate and correct these issues. 

Charged Off Accounts : XXXX XXXX - XXXX, Opened XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4000.00} Inquiries : 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 2025-11-17 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-11-17 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX and a partial XXXX payment was mailed via XXXX XXXX mail also received a repossession intent letter from my mortgage company XX/XX/XXXX the remaining balance for XXXX was mailed and was received on the XXXX. And im being told that no payments have been received. Also the remaining payment was sent via XXXX  mail and was signed for. So i suspect someone is stealing my mail/money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I was contacted via mail by XXXX about a debt I owed to XXXX. I have never owed XXXX anything, now has XXXX ever contacted me to collect a debt. 

I sent back the mail, checking the dispute boxes that the debt was not mine and asking for validation. 

They sent it back with amounts, dates, and routing numbers my bank account for XXXX charges of less than {$60.00}, XXXX of which is less than {$5.00}. I checked this account. I do not have any purchases from XXXX or XXXX XXXX XXXX on those dates or even in the dates surrounding the dates listed. 

I am very concerned about this debt collection as I have NO idea what it is not do I have any evidence of it's existence or verification from XXXX of it's existence. Just an initial contact from 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 2025-11-17 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I paid off my debt to Mandarich Law Group on XXXX XXXX I requested by phone calls, emails and letter to Mandarich Law group stating that my debt is paid in Full as of today XXXX XXXX I still have not received a letter or email from Mandarich Law Group stating that my debt is satisfactory and paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year>XXXX  I purchased {$140.00} of merchandise from a XXXX XXXX website that clearly stated store that is located in XXXX, South Carolina and that they have in business for 30 years. As soon as I received my email confirmation I realized that the website was false and the merchandise was coming from XXXX and the manufacturer had no connection to any store in XXXX. I tried to immediately cancel the order with the vendor but they would not accept it so I disputed the charge with American Express who ultimately denied my dispute because the vendor said no cancellations once the order was in process. So when I received the merchandise it was not as pictured or as described on the website ( XXXX XXXX  ). I tried to dispute with Amex a few more times but they denied the dispute because the merchant says I could return the merchandise but the cost to return would be more than the amount I paid for the merchandise. American Express continues to deny my dispute because the merchant said I was informed of their policies. However, the merchant did not advise me that they would be shipping poor imitations of the merchandise. Also their website mentions easy returns but no mention that the return would cost more than the cost of the merchandise. 

I have been trying to explain these two factors to Amex but they refuse to submit a dispute with this information. Apparently my dispute does not fall into the standard options their customer service reps have to chose from when they take my complaint. 

I should also mention that I have been a customer of American Express for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I have not banked with Chase Bank since the year of XXXX. After a series of very poor customer service I closed all of my accounts with Chase Bank in or around XX/XX/XXXX. Since then Chase Bank has continued to monitor my credit without my consent. I have no way of opting out because I do not have an account to login to with Chase Bank. Chase Bank does not have my permission to monitor my credit yet has continued to do so for nearly XXXX years after I closed all accounts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end

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