vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: MA

Complaint narrative:
I have had an ongoing issue with XXXX. I was a customer of theirs from XXXX to XXXX. The whole time I had a mortgage with them, I have been exempt from paying property taxes per MA clause XXXX. XX/XX/XXXX ( Quarter 1 ), XXXX disbursed a tax payment to my town collections office even though I was exempt. They also disbursed Quarter 2 ( XXXX ) and XXXX ( XXXX ), then sold my mortgage to XXXX XXXX XXXX XXXX in XX/XX/XXXX. They never abided by the exemption letter I sent them or that my town sent. XXXX sent endless emails, certified letters and left a door tag stating I was in default and to pay those payments. I made all payments that were due minus the property tax. On XX/XX/XXXX I chatted through the chat option with a XXXX agent, XXXX, to make a payment of what was due aside from the escrow ( XXXX quarterly payments ; XXXX and XXXX ) and made my monthly payment of {$2400.00}. I have attached the convo from that day. That person never applied it to the appropriate categories ; principal, interest and escrow ( for insurance only ), She applied it in " other '' which you can see on the report I provided. I made a partial payment because I was not going to pay the taxes that the bank insisted I owed. Because this payment was never applied correctly, it has made my account look as if I owe a payment and that I missed XX/XX/XXXX. Because of this, it has affected my credit report. Because of this, my current mortgage company says I am behind a month and owe them. I have made numerous attempts to fix this. I have contacted the XXXX and XXXXXXXX XXXX office regarding this matter with XXXX with no results.

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 2025-11-14 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: AR

Complaint narrative:
I pulled my credit for a mortgage loan and learned of the inaccuracies.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
This pertains to my XXXX brokerage account. I transferred a majority of my crypto assets from my account back on XX/XX/XXXX. On XX/XX/XXXX I attempted to access my account and the account access was restricted { not allowing me to buy, trade, sell or transfer any stocks or XXXX } .Between the 10th and the 13th I contacted them on numerous occasions { 12 } which they repeatedly asked for my identification and selfie photos which I provided and also questions of all types of what I did with my XXXX currency and where it was and.I answered their questions even though they have logs and account information of the transfers. And it is none of their business what I did with it. I have 2 separate attached emails by 2 different customer support representatives stating the restrictions were lifted from the account. But as of the current moment it still remains restricted. I said that this feels like retribution since I withdrew a considerable amount from my account. I have verified my identity and as being the account owner on 12 occasions and only want full unrestricted access to transfer what is left in the account to another brokerage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
his company is reporting a collection account that violates multiple federal laws, and I need to make it very clear : I filed disputes with ALL three credit bureaus and I sent direct disputes/validation requests to the collection company itself. Nobody can say they didnt receive anything I have proof. 
Even after all of that, they still chose to report inaccurate information AND refused to validate the debt, which is a violation of both the FCRA and the FDCPA.

Here are the violations they created for themselves : 1. FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they know is inaccurate The date of last activity is different on every bureau.

They are reporting this account as a collection/charge-off even though the balance is only {$120.00} and they have not provided ANY documentation showing how that amount was calculated.

The account status and dates do not match across Experian, Equifax, and TransUnion.

2. FCRA 611 ( a ) Failure to properly respond to disputes I disputed this account multiple times.

Equifax shows the account as disputed.

Experian and TransUnion STILL show Account not disputed, even though I sent them the same disputes.

That means they did not forward my dispute to the furnisher within 5 business days as the law requires.

3. FDCPA 809 ( b ) Complete failure to validate the debt I directly requested full validation under federal law. They never provided ANY of the required documents : No original creditor contract No complete payment/billing history No itemization of the {$120.00} No proof of assignment or ownership No breakdown showing how the balance was calculated Instead, they kept reporting the account without validating it, which is illegal.

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 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: PA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to MOHELA/DOFED dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MOHELA/DOFED has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since MOHELA/DOFED did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure MOHELA/DOFED s immediate compliance with FCRA requirements. 
MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA/DOFED XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
On XX/XX/2025, I opened a PayPal credit card account when an offer appeared for a purchase I was making online. I was immediately approved for an {$1800.00} credit line and made the purchase. Then on XXXX  the credit account was closed by the issuer, Synchrony Bank. I found out from a credit monitoring alert. When I called Synchrony Bank they would only say that it was closed because of my high risk for non-payment. I questioned why they would even open the account to begin with just to close it less than a week later and negatively impact my credit score in the process. They didn't have any other response. Synchrony seems to have a habit of doing this from what I've read online. They will close accounts out of no where based on reports from a consumer 's credit report even the Synchrony account is paid and in good standing.

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 2025-11-14 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: NC

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit reports dated XXXX from TransUnion, Experian, and Equifax, and I found several names, addresses, and employer listings that do not belong to me. I am not associated with these names, I have never lived at the listed addresses, and I have never worked for the employers shown. These items appear to be errors or possibly mixed with another persons information. 

The incorrect information includes : Multiple addresses in XXXX XXXX  XXXX, and XXXX XXXX that I have never lived at. 
Alternate versions of my name that I have never used. 
Employer names that I have never worked for. 

I did not authorize or provide any of this incorrect information, and it does not reflect my identity or history. I am requesting that these inaccurate names, addresses, and employer details be investigated and removed from my credit file.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit reports dated XXXX from TransUnion, Experian, and Equifax, and I found several names, addresses, and employer listings that do not belong to me. I am not associated with these names, I have never lived at the listed addresses, and I have never worked for the employers shown. These items appear to be errors or possibly mixed with another persons information. 

The incorrect information includes : Multiple addresses in XXXX XXXX  XXXX, and XXXX XXXX that I have never lived at. 
Alternate versions of my name that I have never used. 
Employer names that I have never worked for. 

I did not authorize or provide any of this incorrect information, and it does not reflect my identity or history. I am requesting that these inaccurate names, addresses, and employer details be investigated and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Just recently my partner and I were applying for a home loan. And upon with checking our credit reports, I found out that someone had used my information for a loan with XXXX ( XXXXXXXX XXXX XXXX  ). On XX/XX/year> I discovered this information on my credit report. I filed for a police report on XX/XX/year>. On my experian account it shows as a real estate loan. I do not have any affiliation with the person on the account nor have I visited XXXX XXXX. It seems like the account was owed around {$14000.00}. The current amount owed states {$12000.00}.

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 2025-11-14 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
Having to make yet another report to get something done is absolutely outrageous, especially since EDFinancial Services have hurt my XXXX XXXX yet AGAIN. This company does nothing be reverse all of my payments only to say my bank accounts linked to my student loan account do not exist. XXXX loans I have come out to almost {$3000.00}. Ive attempted to make payments well over the due amount only for them to reverse in under XXXX hours with the explanation of my bank account does not exist or insufficient funds which I can say is NEVER the case. I always have more than enough when I attempt to make payments. 

Ive attempted to pay over the phone only for the call to be ended abruptly when typing in my account number. Ive tried this multiple times and absolutely nothing. The call ends every time I do this. To get a hold of someone is an excessive wait time as well only for XXXX help. 

Ive attempted to make payments since XX/XX/2023, and every single one is reversed back. Ive reached my wits end and this needs to be dealt with and taken seriously. Theyre a complete joke and nothing but a worthless company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that appear on my Experian credit report. These accounts have been inaccurately reported and do not reflect my actual credit history. I request that these accounts be investigated and corrected as soon as possible. 

Charged Off Accounts : 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 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 2025-11-14 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I received a letter from XXXX stating I was prequalified for refinancing my loan. I tried to look it up and realized that I had an account. My phone tried to auto log me in but the password did not work and I had to be sent a link. This was how I found out I still had a loan but it was sold to Velocity Investments LLC. I made an account and logged in but then that site told me it was given to a law firm. At no point was I ever made aware that this was the debt collection agency as I did not receive any notification via mail or email stating this. Furthermore, this company did not attempt to collect anything from me but has already given my debt to a law firm in order to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : Family XXXX - XX/XX/XXXX Prestige Financial - XX/XX/XXXX HCF - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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