vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, loan number XXXX, and I am a XXXX veteran and customer of Freedom Mortgage. 

On XX/XX/year>, your agent XXXX XXXX contacted me regarding a refinance offer. I clearly told him that I could not afford refinancing and did not want any costs rolled into my loan. He asked if I was XXXX, and I confirmed that I am a XXXX veteran. He then told me there was a discount for XXXX veterans and that my closing cost would only be {$2500.00}. 

During that call, he sent me documents to sign electronically and told me not to worry about the numbers on the initial forms, as they were just estimates and the discount would appear in the final paperwork. However, when the notary arrived at my home, the numbers did not match what I had been told. 

That same night, I called Freedom Mortgage in front of the notary to speak to XXXX. The escalation team said that the numbers had changed due to taxes, but I was never informed of that prior to signing. 

A few days after XXXX call, another Freedom Mortgage agent contacted me and told me not to worry about paying my mortgage for XXXX or XXXX, because my next payment would not be due until XX/XX/XXXX. Based on these assurances, I made financial decisions that I otherwise would not have made. 

If XXXX had not misled me about a XXXX discount on closing costs, and if the other agent had not told me to skip payments for XXXX and XXXX, I would not have made those decisions. As a result, I am now behind on my mortgage, which has caused me financial hardship and unnecessary stress. 

I want to note that I do not remember all the names of the agents who gave me the runaround or forwarded me to departments unrelated to my situation. One of the agents names I do recall is XXXX. I have also been trying to reach XXXX XXXX, but my calls have been going straight to voicemail. 

I am requesting : A formal internal investigation into the conduct of XXXX XXXX, the second agent who contacted me, and any other agents involved in misrepresenting information or mishandling my calls. 
A copy of all call recordings and correspondence related to my refinance, including XX/XX/year>, and all follow-up calls. 
Written clarification of discounts or fee reductions available to XXXX veterans. 
A written response within 10 business days. 


If this issue is not resolved, I will forward all documentation to the Consumer Financial Protection Bureau ( CFPB ) and the VA Regional Loan Center for review under Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ) guidelines

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I am requesting that these entries be investigated, and if they can not be verified, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
a few months ago i entered my bank acoount and realized that i had my account in XXXX dolares inmediately i called my bank whet i called they told me that i had deposited some checks in my name but they had no funds they asked me if i had deposited thet checks i told them that they did not tell me that they would investigate it but they closed my account and now i cant open another bank account, i want to know what i should do to be able to open the 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 2025-11-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts shown on my credit report that I believe contain inaccuracies. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate report. I am requesting that these accounts be reviewed, and if they can not be verified as correct, they should be deleted.

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: TX

Complaint narrative:
Make certain that disputed accounts are cleared within all legally mandated deadlines.

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning, and I genuinely do not understand why. These inaccurate late payments did not disappear even after refreshing my browser, and because of this I need the documents I sent to be reviewed immediately so I can finally stop stressing over this.

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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any errors in this reporting are unfair and unlawful.

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 — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: GA

Complaint narrative:
In the beginning of XXXX, I received a letter from Selene Finance stating that a recent analysis performed on XX/XX/year> identified an escrow shortage or deficiency of {$1000.00}. We were given an Option to pay this amount in full by XX/XX/year> to prevent our mortgage from increasing from {$1500.00}. On XX/XX/year>, we paid the amount in full of XXXX but our bill for XXXX still increased by {$150.00} so, for the month of XXXX, we paid XXXX customer service agents has been assuring me since XX/XX/year> that our bill will be adjusted to the correct amount of XXXX. We also received a letter in XXXX confirming the adjustment, this has been no success. The Customer payment Portal at selenefinance.com, is still showing my mortgage payment at {$1700.00} for XXXX and XXXX and will not allow me to make any other payment amount. I spoke with XXXX agents XXXX on XX/XX/XXXX and another on XX/XX/year>. They have given me instructions not to make a payment for XXXX until the customer payment portal at selenefinance.com and their systems has updated to the correct amount of {$1600.00} and that all late fees will be waived and no impact to our credit. Please help resolve this issue ASAP. Thank you

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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX an automatic payment for my storage unit somehow came through on Paypal, after speaking with the merchant my account is not even set up for automatic payment yet discharge came through and within hours of it still being pended the merchant canceled the charge and issued a refund before XXXX in the afternoon, PayPal still processed the charge even though they saw it was canceled on the other end then they made me wait to issue the refund even though the refund was shown processed the same day, On XX/XX/XXXX as soon as they processed the refund an unauthorized charge from a merchant that I had never heard of was not even signed up with it's not even attached to my Paypal account as a subscription or a link in the amount of {$39.00} from a XXXX XXXX came through, now Paypal initially filed the claim wrong I didn't find out until 10 days had passed they finally did the claim right as an unauthorized charge instead of services not received, it has now been XXXX days and they are still making me wait to get back my money from an unauthorized charge for a merchant that's not even linked to my Paypal account nor as has a subscription to my Paypal account from this merchant They were aware that this money was to pay for my insurance and from the time they were aware of this they've been deliberately taking this sweet time IT processing and expediting refunds for charges that have no business even being taken from my account they've been given screenshots and documents showing that there was number subscription and they are still not processing a refund it has now been XXXX business days The normal processing time is XXXX to XXXX my refund was supposed to have been expedited once they found out after waiting 10 days already that it was processed wrong.. 

I do not recommend this company to anybody to use when they are paying important bills such as insurance for their vehicles and other things that can mess up your credit This company allows anybody to come in and take your money and even when they see that they have no right to take your money they take their sweet time putting your money back into your account causing you late fees and More financial issues than what you started with I recommend people who have important bills to pay please do not use Paypal!

Company response to consumer: Closed with 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union regarding the late payments they have reported on my credit card accounts during a period of verified medical hardship. Navy Federal has not provided any evidence to confirm the accuracy of these late marks, and they have not completed a fair or individualized review of my goodwill request. 
In XXXX, I experienced a severe and unexpected medical crisis when my daughter was born prematurely at XXXX weeks gestation. She required multiple emergency surgeries, including removal of her eye, and spent XXXX  months in the XXXX. I had to leave my job and temporarily relocate to another state to care for her full-time. This resulted in an unexpected loss of income and significant financial hardship. 
The late payments on my Navy Federal accounts occurred during this medical emergency. Before this hardship, I maintained a perfect payment history. After the hardship ended, I immediately resumed on-time payments and have maintained perfect payment history ever since. 
I mailed a goodwill request to Navy Federal explaining my hardship, supported by medical circumstances. Navy Federal did not acknowledge the hardship or conduct an individualized review. Instead, they continue to report the late payments without providing any documentation or proof that the late payments were XXXX days past due as required under the FCRA XXXX 
I am not disputing that I struggled during a medical crisis. I am disputing whether Navy Federal has properly verified the accuracy of the late reporting, and I am requesting that they perform a fair review consistent with the FCRA and their own member-support policies. The late marks from this period of hardship continue to severely damage my credit despite my otherwise responsible payment history and the fact that the hardship was temporary and medically unavoidable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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! 


XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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