vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
SOMEONE OPENED SEVERAL CREDIT CARDS IN MY NAME AND USED THEM I JUST FILED BANKRUPTCY XXXX XXXX AND I AM TRYING TO GET MY LIFE BACK ON TRACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
Guaranteed Rate Post-Closing Document Handling, Lack of Secure Options, Inappropriate External Involvement Im filing this complaint against Guaranteed Rate regarding the post-closing handling of my mortgage on XXXXXXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

My experience with Guaranteed Rate during the loan process was already problematic calls and emails went unanswered for days, and despite my repeated requests to confirm whether anything was outstanding, I was told everything was fine. On the day of closing, I was hit with last-minute documentation demands and informed I would need to bring significantly more cash than expected. This was unnecessarily stressful and could have easily been avoided with basic communication and diligence earlier in the process. 

Months later, I was contacted by Guaranteed Rate post-closing requesting documentation related to the liquidation of XXXX used for part of the closing funds. I cooperated and agreed to provide the documentation under one condition : that I could use the same secure portal used during the loan process to upload sensitive documents. 

Instead, Guaranteed Rate refused to reopen the portal and attempted to force me to send financial documents via email, fax, or even in person. Most concerning, they had a former employee, now working at a competing mortgage firm ( XXXX XXXX XXXX ), contact me directly via his new company email to collect the documentation. 

This is a serious breach of data handling standards and a clear failure to follow reasonable security protocols for borrower financial records. 

I believe Guaranteed Rate failed in its duty to securely and professionally manage borrower documentation, and attempted to use inappropriate workarounds to resolve an internal audit issue caused by their own failure to collect information during the loan. 

I request CFPB investigate Guaranteed Rates handling of post-closing documentation, borrower privacy, and whether this conduct violates standards for mortgage servicing and origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My car was repossessed about a week ago, I have been a constant contact with Santander consumer USA, about my XXXX XXXXXXXX XXXX. When I got the car, I had another loan from a totaled vehicle that it was no longer drivable. I was told that Santander was going to merge the loans so that it will not affect my credit score or my payments. When my payment was up, I made my first payment no problem, when I needed help, I was in constant contact with Santander. They put me on payment plans and every person that I talk to give me a few extra days I paid up to what I could and then I communicated again with Santander to see if there was any options. They said there were and they were thankful for me contacting them. A few weeks goes by and my car gets repossessed when I call Santander they admitt admitted to putting all of my communicative efforts onto my old account and not to my new account so it made it look like I wasnt talking to them or communicating with them about options or stuff that could help me pay for the car. And when I talk to the repossessions lady and Santander, she had no idea they were supposed to merge the loans when I was at the dealership and I bought the car. The bank told the dealership they were going to merge the loans when I contacted Santander over those few months, I constantly asked them to make sure that they were merging the loans. One person will tell me no that the dealership has to do it and then I will call back and another employee would tell me yes that Santander was doing it so when everything happened, I was very confused because they could still see. I had two accounts instead of one merge account so from what we are understanding is that my accounts were never merged and they scattered all of my communicative efforts around the wrong account, which caused me to get my car repossessed and my credit to be messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Received a letter dated XX/XX/XXXX from mortgage servicer, Select Portfolio Servicing, Inc. ( Select ), informing me that my property taxes had not been paid by them since XXXX. 
On XX/XX/XXXX, I sent written authorization giving my daughter, XXXX XXXX, authorization to speak with them regarding my loan. Select sent me a confirmation letter regarding my authorization to speak with my daughter on XX/XX/XXXX. Then they sent my daughter a letter saying due to privacy restrictions, they are unable to share any information. 
On or about XX/XX/XXXX my daughter spoke with XXXX ( on a recorded line ), who confirmed that he did see my authorization letter and we asked why Select stopped escrowing my property taxes in XX/XX/XXXX, but continued to escrow my insurance. According to XXXX, he could not find any notes, authorization or reason Select stopped escrowing my property taxes. Due to Select 's error, we asked that Select at least reimburse me for the penalty and interest I incurred from the taxing authority in the amount of {$840.00}. XXXX said he didn't know if they could do that, but that it did look like the mortgage servicers was " screwing around at XXXX XXXX XXXX '' property owner. 
On XX/XX/XXXX, we paid {$9000.00} to the taxing authority to bring the property taxes current. I have a balance of {$2100.00} due by the end of XXXX. 
On XX/XX/XXXX, I sent a " Notice of Error and Demand Letter '' to Select, per 12 C.F.R. Section 1024.35, demanding written proof of who authorized Select to stop escrowing my property taxes and to demand reimbursement of {$840.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Requested my credit card file to be investigated for mixture of information and Identity Theft

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 2025-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Old Dominion Mortgage Co., Inc
State: FL

Complaint narrative:
I am filing this complaint regarding my flood insurance policy and the mishandling of payment between my mortgage servicer and my insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX. 

When my premium was due, I was fully prepared and willing to make payment directly, but I was told by my insurance agent that I was not allowed to pay with my own funds or by card and that payment had to be made from my escrow account. I was also told that I had a XXXX leeway period for the payment to be processed. 

Despite this, my insurance company claims they never received the payment, even though I have evidence from my mortgage servicer showing that checks were sent multiple times, on time, when payment was due. The result is that my policy was canceled, and I am now left with no insurance coverage, even though I acted in good faith and followed all the instructions I was given. 

It feels as if the insurance company did not want to renew my policy and simply claimed they never got the payment, while I was not given any other way to pay and resolve the issue. This situation has left me without coverage, through no fault of my own, and has caused me significant stress and financial risk. 

I request that the CFPB investigate this matter, as both my mortgage servicer and the insurance company appear to have failed in their obligations, and I should not be penalized for their inability or unwillingness to process the payment properly.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-28 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:
The accounts listed are fraudulent and unfamiliar to me. I request their deletion within 15 days under USC 1681g. Ive attached documentation to support this dispute.

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 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XX/XX/year>, my dog had to have XXXX. I was introduced to CareCredit and pushed into signing up for an account which had a 0 % interest rate. Apparently, that was an 18-month promotional rate. A minimum amount as being paid off each month, but not enough to cover the entire balance by the end of the promotional period. I was distracted by my dog 's health and did not pay attention to this account. Today, I was reviewing my financial accounts because my family recently had some abnormal spending. I came across this account and saw two interest charges, the first for {$3300.00} in XXXX and a second in XXXX for {$180.00}. 

I contacted the bank via chat and phone to request a waiver for the interest fees. They ignored my pleas and told me it would not be possible. I can not afford a lawyer to fight this. I am hopeful you can help.

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 monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
XXXX. XXXX a person went through XXXX XXXX  and took out {$4500.00} the bank showed at us at no fault since we DID NOT authorize charges. Now they have came back and took the money back with no explanation to why.

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 2025-07-28 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-28 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: PA

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. 
XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

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. 
XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2025-07-28 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: FL

Complaint narrative:
Hi, I recently reviewed a copy of my credit report and noticed there are some unauthorized items on my account affecting my credit health.

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 2025-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Shepherd Outsourcing, LLC
State: PA

Complaint narrative:
I called Sheppard Outsourcing to make a temporary change to a payment arrangement I had with them for an unpaid debt. I asked for my payments to be reduced form {$25.00} to {$15.00} for about 6 months until I am back on my feet financially. The supervisor XXXX assured me that for the next few months ( until XX/XX/XXXX ) my Payments would be {$15.00} then resume to the normal payment. The repeatedly told me Im already paying the minimum and that I could be suedhe then agreed on the temporary arrangement. I asked for email or written proof of the arrangement it did not come, so I checked their portal to see if it was updated. I see they took a payment today XX/XX/XXXX out of my account that I did not agree to. They also set up double payments for the months we agreed on the lower temporary arrangement. When I called he said it wasnt his fault its the computer and the person before him told me I made the payment at XXXX I was on the phone with the supervisor XXXX at that time. So he took my money then set up an arrangement that almost doubled my payments. They were all extremely rude and spoke to me like Im XXXX XXXXXXXX because I owe money. I am trying to make good on the debt I know I owe but not one person can say the same thing and then to lie and take money UNAUTHORIZED is something I can not trust. Then when I told him I already made a payment this month he said I did not. I asked for my arrangement to be cancelled and to deal with the company directly. I asked for their information and he told me to XXXX it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief