vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Taproot Financial, LLC
State: NC

Complaint narrative:
XXXX XXXX advertised a partnership with Sage Home Loans, offering Exclusive loan offer : Get an exclusive mortgage loan offer on a new home purchase or refinance home loan thats up to 0.75 % lower than average with no asset minimum required. alongside a {$500.00} closing credit. 

The loan scenario it outlined is XXXX fixed rate, {$500000.00} loan amount, Primary residence, Detached single family home, XXXX score XXXX, XXXX 75 % XXXX no other agency LLPAs. 

Now, I worked in mortgage pricing previously, so I understand how pricing works. Given it mentioned either purchase or refinance as purpose, the XXXX in my case ( refinance ) would be 0.125 % in their scenario. My loan scenario, a refinance with all the same attributes but a XXXX loan amount and a 69 % XXXX has no XXXX XXXX LLPAs. 

Given the LLPAs on my loan should make the rate 0.125 % better and the only difference is a slightly lower loan amount ( more desirable from a pricing perspective ), I expected that the price I would receive would be the same as the offer if not better. However, I was given a quote that was XXXX points worse. This feels against the spirit of what the offer should be and very misleading. 

I called the company to see if it might be a mistake and I was told that because I didnt have the exact scenario, I wouldnt get the 0.75 % better rate but I did still get {$2000.00} off. That is a significantly different offer!! The company should not be allowed to advertise like this when the spirit of the offer is completely different the minute you dont have the exact advertised loan scenario. For me this was really frustrating, but for someone who doesnt understand the intricacies of mortgage pricing, they are basically being deceived by the offer. 

In fact, I was so upset that I cancelled XXXX XXXX, which I had signed up for to take advantage of this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On or about XXXX XX/XX/year> A business called " XXXX XXXX XXXXXXXX '' was sent a XXXX party check from My insurance co. ( XXXX ) payable to Myself and " XXXX XXXXXXXX XXXX LLC. 

XXXX XXXX, Owner, XXXX XXXX  was able to illegally deposit a 2 party check for {$18000.00}. with Only his company on the back and to his Bank of America account WITHOUT my signature, or being present with ID, for this transaction.

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 2025-11-13 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I initiated an electronic transfer into Synchrony Bank on XX/XX/year>. My account was debited the transfer amount of {$500.00} on XX/XX/year> and the funds remain unavailable in Synchrony despite regulations stating next day availability as of XX/XX/year>. When I spoke to a supervisor I was informed there is no way to release any of the funds despite them being in my account.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
Multiple FDCPA Violations by Mandarich Law Group , LLP and XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX Account ) File No, : XXXX I am filing this complaint because the debt collector, Mandarich Law Group , LLP, and the debt owner, XXXX XXXX XXXX, have engaged in repeated violations of the Fair Debt Collection Practices Act ( FDCPA ). 

The following FDCPA violations have occurred : Failure to Send Initial Validation Notice ( FDCPA 1692g ( a ) ) : XXXX XXXX XXXX failed to send me the initial written validation notice ( dunning letter ) after acquiring the debt, which is legally required within five days of initial communication.

Failure to Validate Debt Upon Request ( FDCPA 1692g ( b ) ) : I sent a formal, written Debt Validation Request to Mandarich Law Group , LLP, on XX/XX/year>. Their response, received on XX/XX/year>, was only a privacy policy from XXXX XXXX XXXX and failed to provide the legally required validation. 

Unlawful Collection Activity/Reporting : Despite the validation failure, Mandarich Law Group and XXXX XXXX XXXX XXXX XXXX the debt to a credit reporting agency during my prior dispute process. This verification is an unlawful collection activity prohibited by the FDCPA.

Desired Resolution : I demand that Mandarich Law Group , LLP and XXXX XXXX XXXX immediately cease all collection activities and delete this unvalidated and inaccurately reported account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I was waiting for my student loan repayment plan approval and had to go on administrative forbearance with MOHELA while waiting. The last email I got from them was XX/XX/year>. I received a call on XX/XX/year> where I was told by them I was 3 months delinquent. I did not receive any payment due soon emails or any correspondence from MOHELA that my payment plan had been approved at the email I had on file with them. I discovered while on the phone with the rep from MOHELA that the emails had been sent to a different email of mine, but I do not check that email as it is not for financial purposes. I made a payment to cover my missed payments and immediately received an email from MOHELA confirming that payment at the email address I had on file with them.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A fire occurred at XXXX at XXXX XXXX on XX/XX/year>, causing a casualty loss that made the unit uninhabitable. 

Under Texas Property Code 92.054, this legally terminates the lease and releases the tenant from liability. 

Despite this, an eviction and related debts were reported inaccurately by the property/collections agents ( XXXX, XXXX ) These entries are false, misleading, and legally invalid because they arise from a casualty loss ( fire ). 

I am requesting permanent deletion of all eviction and collection entries associated with this incident. 

All evidence is attached, including the fire report, management letter, and documentation of displacement.

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 2025-11-13 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I am formally disputing the following items on my Equifax credit report, which I believe are inaccurate or unverifiable. Please investigate these items and remove or correct them if they can not be verified. 

Charged-Off Account : Creditor : XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please complete your investigation as required under the Fair Credit Reporting Act ( FCRA ) and provide written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 am writing to formally dispute certain accounts listed on my credit report. The information provided below pertains to the accounts in question, and I believe there are inaccuracies that need to be corrected. Please review the details and conduct the necessary investigations. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
Good day. I can not emphasize enough how distressing and overwhelming this situation has been for me. I woke up one day to find a collection account on my record for a debt I do not recognize, do not owe, and have never authorized. This unverified account has led to repeated and harassing contact through multiple channels, including threats of legal action that no consumer should ever be subjected to without basis. As a law-abiding individual, it is unacceptable to see my rights violated in such a blatant manner. The stress from this issue has taken a serious toll on my mental health and has caused several nights of lost sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
This notice is to inform TransUnion credit reporting agency that your company has unlawfully reported a fraudulent account that originated from identity theft. Your company failed to t verify this fraudulent account. By law this must be verified before being furnished on my consumer report. Your actions have caused serious mental anguish and defamation of character to me and my entire family because XXXX  furnished an account on my consumer report without my written permission as stated by federal law. XXXX XXXX XXXX has stolen my identity, violated my consumer right, my rights to privacy, and the obligation you have to maintain the security and the confidentiality of my private information. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer I would like an investigation and request your company to show me proof of written consent to furnish this account on my consumer report. I have requested PROOF showing I have given your company permissible purpose or written instruction to furnish this account on my consumer report? 
I demand this account be deleted immediately.

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 2025-11-13 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 writing to dispute inaccuracies in my Experian credit report. The following accounts are being challenged : Charged-Off Accounts : XXXX Account # : XXXX Reported Date : XX/XX/XXXX Balance : {$7700.00} Inquiries : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Payments : XXXX XXXXXXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX I request an investigation into these items and the correction or removal of any inaccurate or unverifiable information. Please provide written results of your investigation.

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 2025-11-13 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I worked for XXXX  a year to get an outpatient in network XXXX  covered by XXXX XXXX  XXXX XXXX. I worked closely with their billing and pre-authorization dept. I was told it was hovered and never once had an estimate or information that out of picket would be XXXX $ XXXX I traded phone messages with the XXXX  dept m. 6 months after service after I got the bill and several messages to the supervisor, XXXX XXXX. I explained clearly my surprise and their wrong doing and violation in spirit of the no surprise act. After I quoted this she immediately sent me to collections. She would not work with me. My insurance paid a whopping XXXX. I am bewly XXXX  XXXX  and XXXX I can not afford this. XXXX should not ever surprise people esp after working with them for over 1 year to get a procedure done. They were paid fairly gif the bill and they need to discharge me. I they need to give people an estimate I would not have had this done this is an unfair surprise bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/year> I had looked into getting a debt consolidation personal loan and utilized credit karma to search I was given a list of possible loans onemain might approve me for. I selected the one I thought looked good XXXX loan XXXX mon term unsecured with XXXX. I go through the process and get sent to XXXX main since the non hard pull check said I was good. I filled in the info on XXXX main financial with a hard pull and it said approved for XXXX. Then asked me to upload my id front and back and my most recent paystub which I did. After that they sent me a text to set up an appointment for a XXXX call which I selected Tuesday the XXXX at XXXX. Received a text from XXXX saying he was free if I was available and to XXXX if I was able to and if not app still on for XXXX. I called XXXX times left a message once. On the XXXX  call someone picked up who wasn't XXXX it was the branch manager, verified some information and then he said a loan for XXXX to which I corrected him the loan I requested was XXXX. He then tried to ask me about my car and if I owned it and I cut him off saying I know where this is going and to be clear I did not ask for a secured loan I asked for an unsecured loan and he has no reason to know that information as it's not part of the loan. He kept trying to push me toward a secured loan because it'll lower my interest rate and I corrected him that I had seen the options on credit karma it wasn't a lower rate it was a longer term being shown there with a higher XXXX when I had requested a XXXX term. Then I asked to speak to the rep that contacted me because he seemed to have the wrong info because he was saying they didn't have my paystub uploaded which is impossible to get to the appointment without having uploaded XXXX. 
Threatened to just close up the application after he sent a link to my email to upload it again. I was transferred over to XXXX and he talked me through the initial stuff again and we reached back to asking about my car again and I told him I wasn't interested in a secured loan and kept trying to push me toward it. Voiced my concerns as to why my id was uploaded but not my paystub and claimed to resend the link to my email and they never showed up asked me to fax or come into the branch in XXXX XXXX where they are located told him no and that he needs to figure out why it's not sending because it sent before. He ends the call because he knew why it wasn't going through it was because his branch manager closed the application on me with no warning after doing a hard pull.

Company response to consumer: Closed with explanation