vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
In XX/XX/XXXX, I closed on a newly built home using XXXX XXXX. My loan was transferred to XXXX Bank effective XX/XX/XXXX. 

Because the property was new construction, the original escrow estimate only included land taxes. I called XXXX twice in XXXX to express concern that my escrow was too low and asked whether my property would be reassessed and cause a large shortage. I was reassured by representatives that no major correction would be needed. 

On XX/XX/XXXX, XXXX issued an escrow analysis showing only a {$310.00} shortage and continuing to estimate property taxes at {$1900.00}. 

On XX/XX/XXXX, servicing was transferred to XXXX XXXX. On XX/XX/XXXX, they issued a corrected escrow analysis showing actual XXXX property taxes of {$14000.00} and an escrow shortage of {$18000.00} a nearly XXXX increase from XXXX estimate. 

XXXX XXXX offered to split the shortage into 24 monthly payments of {$770.00}. I accepted. As of XX/XX/XXXX, Ive paid {$4600.00}. The remaining balance is {$14000.00} all due to XXXX failure to perform an accurate escrow analysis and their misleading guidance when I proactively raised concerns. 

I am requesting that XXXX reimburse the shortage Ive paid and assume the remaining balance. Their conduct caused financial hardship, and I believe it warrants regulatory attention.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/year> around XXXX I contacted my bank ( Citizens Bank XXXX in regards of my mobile banking app issue. A few days before I notice I was unable to transfer money from my checking account into my saving. The representative of my bank explained that the said saving account had been closed and re-opened it for me on the call. I was able to in the moment transfer two payments, first one for {$100.00} and the second one for {$50.00}. Two days later ( XX/XX/year> ) I reopened my bank app to see that my checking account did not resemble to transfer of {$150.00} into the account however my checking account did. I put a claim in with my bank that same day and was given a transfer reversal of {$150.00}. Now I received a letter from my bank stating that the investigation was unsuccessful and they will not be crediting me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We have a VA-backed loan serviced by Pennymac, and we are currently experiencing a financial hardship. For the past several months, we have made repeated attempts to contact Pennymac to request assistance through loss mitigation options, including forbearance or repayment plans, as allowed under VA and XXXX XXXX guidelines. Unfortunately, we have been consistently denied access to the appropriate department. 

A couple of months ago, we initially reached out to Pennymac while we were still making both mortgage payments, one on our primary residence and one on this second home ( the VA loan ). At the time, we explained that we were struggling and needed support, but we were not given any options or next steps. We have since rented the home for $ XXXX, but our mortgage is $ XXXX, which means we are still coming out of pocket {$1000.00} every month. On top of that, we paid both mortgages out-of-pocket for several months before securing a renter. 

Now, our financial situation is worse. We are trying to avoid default and keep our account in good standing, but when we contact Pennymac, including more than four separate calls just today, we are constantly told contradictory or misleading information. Representatives have told us : That department doesnt exist That department is closed Theres nothing that can be done Yet one of them admitted to speaking with the department, which proves that it does exist and was open, meaning we are being intentionally denied access to the Loss Mitigation/Home Retention team. Nobody will transfer us or escalate our request, and we are stuck with no path forward while our financial stability deteriorates.

It feels like they want us to hit rock bottom, to miss payments or go into default, before they are willing to help. But we are trying to be responsible and ask for help before it reaches that point. We want to continue paying and preserve our credit. We have never missed a payment and do not want to start now.

We are doing everything we can, calling repeatedly, submitting a hardship letter, being honest, but Pennymac is refusing to honor our rights under VA loan servicing standards. This is unacceptable and directly conflicts with their obligations to VA-backed borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
My daughter and I share a NFCU credit card. In XXXXXXXX XXXX XXXX her digital wallet on her phone was hacked and numerous fraudulent charges were made to her card from XXXX - XX/XX/year> when we noticed approximately {$10000.00} worth the charges and reporting them. They initially removed the charges, but later denied the claim and placed them back on the account. They also claimed they contacted my daughter for approval of the charges, but my daughter never received any text messages of calls from them asking for approval. I have tried to contact them directly several times, but they only will communicate through Instant messaging on their website and refuse to speak to me directly. When asked for a report of their investigation, I was told they do not share that information with customers and no documentation was provided. I asked for someone to contact me via phone and have not received a call. We paid off the credit card prior to the fraudulent charges being placed back on the card. I have also closed the account and filed a police report for the fraudulent charges. They are now threatening to send me to collections over the fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: CT

Complaint narrative:
Complaint to CFPB Regarding Inaccurate Credit Reporting Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX To Whom It May Concern, I am writing to formally escalate a complaint regarding XXXX continued reporting of inaccurate and unverifiable tradelines. Despite repeated disputes and written communication to Equifax, they have failed to remove the following accounts that are no longer owned by the original furnishers : XXXX. UPGRADE INC Opened XX/XX/XXXX Closed. {$1800.00} written off. 
XXXX. UPGRADE INC Opened XX/XX/XXXX {$9000.00} past due. Charged off. 
XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$22000.00} written off. 
XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$3200.00} written off. 

Each of these accounts has been sold to XXXX XXXX, XXXX, who has confirmed in writing that they do not furnish tradelines to Equifax or any consumer reporting agency. 
Therefore, it is impossible for them to verify the accuracy of the data as required under 15 U.S.C. 1681e ( b ).

Under the Fair Credit Reporting Act, if an account can not be verified with the current creditor, it must be removed. XXXX response claims the items were 'verified and updated ' or 'updated, ' despite my submission of documentation directly from the current debt owner disavowing any reporting activity. 
This repeated failure to investigate and correct inaccurate information has now harmed my ability to secure financing, and I intend to pursue legal remedies if this matter is not resolved immediately. 
I am requesting that the CFPB investigate this matter and require the agency to comply with its duties under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: VA

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 2025-08-06 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:
There are collection accounts listed on my report that I believe contain inaccurate information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
A fraudulent account from CCB/XXXX  was opened in my name on XX/XX/XXXX, and reported as a charge-off. I did not open, authorize, or have any knowledge of this account. It was closed on XX/XX/XXXX. 

At the time the account was opened, I was a XXXX XXXX student living in XXXX XXXX XXXXXXXX XXXX with no physical presence or activity in the location associated with this account. This further confirms the fraudulent nature of the account. 

I have taken every possible step to correct this issue, including : Disputing the account with the credit bureaus beginning XX/XX/XXXX. 

Submitting multiple disputes and formal FTC Identity Theft Reports. 

Filing a complaint with the State Attorney Generals Office ( case number : XXXX ). 

Requesting a fraud alert be placed on the CCB/XXXX account ( reference number : XXXX ). 

Sending certified FCRA Section 605B Block Requests to all XXXX credit bureaus on XX/XX/XXXX, via XXXX XXXX mail, tracking numbers : XXXX XXXX XXXX XXXX Sending a debt validation request to CCB/XXXX, but the company has remained unresponsive. 

XXXX has already removed this fraudulent account from my credit report, confirming the lack of verification and its invalidity. However, the account continues to be reported by other bureaus, causing ongoing financial harm, stress, and violating my rights under the Fair Credit Reporting Act, specifically Sections 605B and 609. 

I request that this fraudulent account be permanently deleted from all credit reports and that CCB/XXXX  immediately cease reporting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Failure to Validate Debt by Collection Agency To Whom It May Concern, I am writing to file a formal complaint against Synergetic Communications, a debt collection agency that has failed to provide proper validation of a debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a written request for debt validation to Synergetic Communications after receiving a collection notice from them regarding an alleged debt. This request was sent via email.

To date, Synergetic Communications has not responded with any of the required documentation to validate the debt. Despite this, they have continued collection activities, including calls, letters, reporting to credit bureaus, etc., which constitutes a violation of the FDCPA ( 15 U.S.C. 1692g ).

I am requesting that the CFPB investigate this matter and hold Synergetic Communications accountable for their failure to comply with federal law. Please find attached the following supporting documentation : I respectfully request that this matter be reviewed and appropriate enforcement action taken. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes to Equifax regarding inaccurate and unverifiable information reporting on my consumer credit report. Despite providing sufficient details and documentation to support my disputes, Equifax has continuously failed to conduct proper and reasonable investigations as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

In many instances, Equifax responded with generic form letters or conclusory statements that the disputed information was verified, without providing any evidence or explanation. No meaningful investigation appears to have taken place. They did not contact me for additional information, nor did they provide any verification from the original furnishers. 

This failure to reinvestigate disputed information violates the FCRAs mandate for credit reporting agencies to : Conduct a reasonable reinvestigation of any item disputed by a consumer ( 15 U.S.C. 1681i ( a ) ( 1 ) ) ; Delete or modify inaccurate or unverifiable information within the time period allowed by law ( 15 U.S.C. 1681i ( a ) ( 5 ) ) ; Notify the consumer of the results and provide a copy of the revised report ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Equifaxs repeated failures have caused ongoing harm to my credit profile, affected my financial opportunities, and denied me my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am submitting a formal complaint against Equifax for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : 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  I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions were made from my XXXX  account, each for {$490.00}, to a business listed as XXXX XXXX XXXX. I did not authorize these payments. 

My bank, XXXX XXXX XXXX XXXX, flagged these transactions as fraudulent and notified me immediately. I then followed XXXX  XXXX  instructions to resolve the issue I reset my password and submitted a valid government-issued photo ID through their Document Upload Form. My account was suspended by XXXX due to unusual activity, and I have been unable to access it since. 

Despite multiple attempts to contact XXXX, I have not received confirmation that they reviewed my documents or are investigating the fraudulent charges. I am left without access to my funds and without answers. This delay has created financial stress and frustration.

Company response to consumer: Closed with non-monetary relief