vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: OH

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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXX received dated XXXX XXXX, 2025 saying I was conformed the successor for property. Requested homeowner insurance was sent to mortgage company as requested. Request for assumption mortgage modification for the mortgage XXXX, my mother passed from XXXX XXXX property is now title in my name. Newrez tried to foreclose several times. I have sent them the requested documents with my financials current homeowner insurance. Mortgage company refuses to process documents. I have been given conflicting responses on status of my request. I am being discriminated against because I am a XXXX  XXXX woman. Customer service was called for a status XXXX I was told they could not locate my documents. Newrez requested I get homeowner insurance. I did what they asked of me. I do not want to lose my house to foreclosure. Its not fair when I call on the mortgage I am given misleading information. See letters Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Truist Bank to obtain a full refund of {$460.00} in overdraft fees ( XXXX separate {$36.00} charges ) posted to my checking account ending in XXXX between XX/XX/year> and XX/XX/year>. 

These fees resulted from a negative balance that snowballed when a pending charge posted days later than expected. I have been a Truist customer for over 5 years ( dating back to when it was SunTrust ) with consistent direct deposits and have never had overdraft fees anywhere close to this amount before. 

I contacted Truist multiple times by phone and in branch, and every refund request was denied. Today, after I informed the supervisor that I would be filing formal complaints with the CFPB and OCC, the supervisor ( named XXXX XXXX stated that all decisions regarding overdraft fees stop with her and attempted to dissuade me from filing with federal regulators by offering a corporate mailing address to write a letter to the CEO instead. 

This was a clear attempt to prevent me from exercising my legal right to file with my regulators. These {$460.00} in fees are excessive and predatory and appear to violate the spirit of the CFPBs recent guidance on junk fees and overdraft lending practices. 

I am requesting an immediate full refund of the entire {$460.00} in overdraft fees plus removal of all related negative marks from my account. 

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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account became delinquent in XX/XX/year>. According to federal credit reporting guidelines, negative accounts should only remain on a credit report for XXXX years. That time has already passed, yet this account continues to appear on all three major credit reports ( TransUnion, XXXX, and XXXX ). 

I have made numerous attempts to resolve this matter by contacting XXXX XXXX and XXXX XXXX  to determine who is responsible for removing this outdated information. Despite my efforts, I was repeatedly transferred between departments and given different phone numbers with no clear answers. Representatives ultimately advised me to contact the credit bureaus directly, but when I reached out to each bureau, I was informed that the XXXX XXXX XXXX  ( Account # XXXX ) is responsible for the deletion. 

I have done everything within my power to have this error corrected, but after years of trying, I still have not received any assistance or resolution from either party.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
This happened on XX/XX/year> at XXXX. I received a phone call from Hollis Cobb in regards to medical debt. I told them I only had {$20.00} to my name but they said I had to pay them at least {$50.00} today. I gave them my credit card information and said they may as well charge the entire debt. I did some research and found that this was not true and that I did not need to pay anything today. I was deceived into not only paying.

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 2025-12-02 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:
I am submitting this filing to dispute the following items on my credit report. The items listed below are either inaccurately reported or should not be included in my credit report. I request that these items be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I am filing this complaint because my FHA mortgage servicer, LoanDepot ( and later XXXX ), is reporting late payments that are not accurate. These late-payment entries were reported during documented forbearance and medical hardship periods when payments were formally suspended. 

In XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, resulting in a XXXX XXXX XXXX and XXXX XXXXXXXX. My XXXX  at XXXX XXXX submitted multiple medical hardship letters to the servicer to support my request for payment relief. LoanDepot approved an FHA forbearance plan beginning on XX/XX/XXXX and ending on XX/XX/XXXX. During this time, the servicer confirmed that payments were suspended and that no payments were due. 

Despite the approved FHA forbearance and the medical hardship accommodations, the servicer reported late payments on my credit report. These late entries do not match the terms of the forbearance, the suspended payment obligations, or the requirements under HUD Handbook 4000.1, Regulation X ( 12 CFR 1024 ), and FCRA accuracy standards ( 602 ( A ), 607 ( b ), and 611 ). FHA guidance requires servicers to report accounts in forbearance accurately and not to mischaracterize payment status. 

Due to my XXXX XXXX and loss of income, I was ultimately forced to sell my home in XXXX, PA. The home was sold on XX/XX/XXXX, and the mortgage was paid in full at settlement. I have attached my XXXX XXXX XXXX showing the full payoff to the servicer. 

I am requesting that CFPB assist with a full reinvestigation and correction of all inaccurate late-payment entries that were reported during periods of FHA forbearance , suspended payments, or documented hardship. The credit reporting is not accurate, does not reflect the conditions of the forbearance, and has caused significant harm to my credit. 

I am asking for correction of the reporting to reflect the accurate account status during the forbearance and hardship period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: TX

Complaint narrative:
Good day. I want to express just how exhausting and overwhelming this situation has become. It is shocking to wake up one day and find myself being held responsible for a debt that I have no knowledge of, can not verify, and that simply does not belong to me. The constant harassment across different communication channels and the various tactics being used have only added to the stress. I never imagined I would start my mornings reading threats of legal action for something that is not mine. As a law-abiding consumer, I find it insulting and unacceptable that my rights are being ignored and violated. This entire experience has taken a serious toll on my mental well-being, and I have spent several nights unable to sleep because of the pressure and uncertainty this has caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Greenlight Financial Technology, Inc
State: MN

Complaint narrative:
On the first of XXXX, I was given XXXX dollars by someone in my Greenlight family and immediately tried transferring it to my XXXX XXXX. It was denied multiple times, even though I had enough funds and the card was not locked. 

Then, days later, on the fourth of XXXX, XXXX was taken from me to " greenlight wallet '' the funds vanished, and customer support was an automated bot who would not send me to a real person, and I emailed their support to no response. 

XXXX dollars was also taken from someone else 's account in the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The data provided is neither complete nor accurate with respect to my financial history. I request a formal evaluation and subsequent update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
To Whom It May Concern at CFPB : My Chime account was closed today, XX/XX/XXXX. The reason cited for the closure was my bankruptcy filing ( XXXX XXXXXX/XX/XXXX ) which has been active since XX/XX/XXXX. 

I had a remaining balance of approximately {$300.00} in my Savings Account. Chime is processing a refund check but has stated that I must wait up to 30 days to receive it. 

I have already attempted to contact Chime to expedite the process, but they maintained the 30-day timeline. This delay in accessing my available savings balance is causing me immediate financial hardship. I request the CFPB intervention to compel Chime to immediately process and mail the check for my remaining XXXX XXXXXXXX { \ {$300.00} } $ balance within a reasonable and expedited timeframe, rather than the quoted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

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 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint because multiple XXXX XXXX XXXX XXXX accounts are being inaccurately reported with late payments on my credit reports. I am requesting a full investigation and immediate correction. I have never been late on these accounts, and the information being furnished violates the FCRA 602 ( A ), 607 ( B ), 611, and Fair Credit Reporting Accuracy Requirements. 
The accounts in question : XXXX XXXX Acct : XXXX | High Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$11000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting These accounts are reporting late payments that are factually incorrect, and the furnisher has failed to provide any proof or documentation verifying these alleged delinquencies. I never missed or failed to make any payments, and therefore these negative marks are causing significant harm to my creditworthiness. 
I am requesting the CFPB to : 1. Investigate the furnishers inaccurate reporting 2. Require the furnisher to provide complete payment history documentation 3. Correct all late payment inaccuracies immediately 4. Ensure compliance with FCRA accuracy and reinvestigation requirements Thank you for your assistance. I am requesting a prompt resolution as these errors are causing ongoing financial damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
b'I am a consumer simply trying to fix my credit. The information listed below is inaccurate, incomplete, or cannot be verified. I am requesting a full reinvestigation and deletion of any items that cannot be proven with proper documentation. Please review each account carefully.\n\nCharged Off Accounts in Dispute\n\nXXXX 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attempted to lift Equifax security freeze. It's impossible to log in. It is impossible to reach a customer service agent. Each attempt takes XXXX minutes. It is a death loop sending callers to the website then to the app.

Company response to consumer: Closed with explanation