vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I recently reviewed my credit report, and found fraudulent accounts on my credit report need them deleted of my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: KY

Complaint narrative:
Movement Mortgage has now raised my payment twice claiming an escrow shortage. I have repeatedly tried to work with this company but they are a scam and have been scamming us since the closing. We worked hard to achieve the American Dream. My payment was raised from {$930.00} to {$1000.00} on XX/XX/XXXX to now {$1000.00} on XX/XX/XXXX. They claimed an annual escrow shortage in XXXX led to raised payment to now an annual escrow review is calling for another raise in XXXX. 
We need help. The math since closing does not add up. We are being scammed. We are going to be priced out of our home we worked so hard to buy. Our loan # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-23 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct and significant harm to both my credit standing and score. I previously contacted your agency regarding this matter and was assured by a representative that the unauthorized inquiries would be removed. However, no action has been takenthese entries remain on my report. 
This lack of follow-through is unacceptable. The continued presence of these suspicious inquiries raises serious concerns about potential identity theft and reflects a failure to protect my personal information. This ongoing issue is causing substantial emotional distress and financial damage.

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 2025-06-24 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-24 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
This company is the second one that has tried to contact me This one is a different company but it's XXXX THE PERSON I SPOKE TO was XXXX XXXX extension XXXX It's supposedly about a debt from XXXX  XX/XX/XXXX from Bank of America for {$15000.00} and XXXX cents. She said the card number was ending in XXXX I don't recall doing any business with Bank of America. Then she said that they would put a lien or judgment on my house their phone number is XXXX and the reference number they gave me was XXXX XXXX. The problem here is these two people have every single bit of information My full social security my address my email what I do just everything and it's scary and so this is the second time I report this but they're different people so I don't know what to do

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 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
ON THE ALLOCATION OF PAYMENTS. SYNCHRONY BANK IS GIVING US A CHOICE TO ALLOCATE OUR PAYMENTS TO AN INTEREST-CHARGING PURCHASE FIRST BEFORE THE PAYMENT GOES TO A NON-INTEREST DRAWING PURCHASE. BUT WHEN YOU MAKE A PAYMENT, THEY ARE NOT APPLYING IT TO THE INTEREST DRAWING PURCHASE FIRST. THEY ARE APPLYING IT TO THE NON-INTEREST DRAWING PURCHASE, THEREFORE DECEIVING THE CUSTOMER AND CHARGING THEM INTEREST. DUE TO THE FACT THAT THEY ARE NOT HONORING THE CHOICE THEY GAVE TO THE CUSTOMER. THIS SHOULD BE STOPPED BEFORE LEGAL ACTION IS TAKEN. 
IN SHORT, ON THEIR WEBSITE, THEY GIVE YOU A CHOICE BUT DO NOT HONOR WHAT THEY GIVE SEE SCREENSHOT

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 2025-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
In XXXX of XXXX I moved out of XXXX on XXXX XXXX. In XX/XX/XXXX I was reached by the property stating I owed money. I sent over communication to the property showing that the manager XXXX had sent over emails stating that I had a credit and no money was owed. In XXXX of XXXX I was issued a check from XXXX on XXXX for the amount that was left from my move in deposit. 
There was no communication after that coming from XXXX on XXXX. 
In XXXX of XXXX, I received an email from collection agency Sequium Asset Solutions , LLC stating I had a balance. I reached out to them that same day I received the email ( XX/XX/XXXX ). I let them know that the debt is not mine and I do not owe as I have proof stating I was set to receive a credit which I did in form of a check and let them know I have a copy of that check. The associate then put the balance on dispute. 
I did not hear from them after that. Saturday XX/XX/XXXX I received a notification on my credit report saying I have a derogatory mark on my credit dropping me XXXX points. I immediately reached out to them and the business was closed. I waited until Monday XX/XX/XXXX and called first thing in the morning. I spoke to a representative saying that she shows the debt is in dispute. I stated to her why was it reported to the credit bureau as I have done my part reaching out trying to get this taken care of as well as submit proof. The representative stated she was unaware and that if that's the case then it should fall off but couldn't give me a time for when this would happen. 
I let Sequium Asset Solutions , LLC know that this has caused a major life hardship for me as I am someone who looks after their credit on a daily basis, the day it showed XXXX points dropped was the day that was planned to buy a car for me to use for work but was not able to due to the credit score drop. I did my part and reached out to them in time and provide proof but they continued to still assume the debt was mine and cause me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
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 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Business Processing Solutions, LLC
State: MS

Complaint narrative:
I have been XXXX and unable to earn a paycheck for months. The creditor for whom I owe this debt has NOT been able to help with my health issues in the last two years. Contributing to me not being able to work. Therefore, I do not feel that I owe anything due to their feebleness at being able to hire doctors that ACTUALLY know what they're doing.

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 2025-06-24 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: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit report, I noticed multiple hard inquiries from companies I have never contacted or applied for credit with. 

To be clear, I have not submitted any recent credit applications, and I did not give permission for any lender or institution to perform a hard inquiry on my credit file. These inquiries are damaging my credit score and misrepresent my credit activity. 

I am requesting a full investigation and the permanent removal of any unauthorized inquiries.

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 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I noticed when checking my credit card statement in XXXX of XXXX that my annual payment was being allocated in differing amounts to other accounts while utilizing Lowe 's interest fee period. Unknowingly to me, they allocated the overall amount to just be under the required purchase amount to underpay the interest fee period account to charge interest in total for that account. It was deceptive, and I had prior contact with them in XXXX of XXXX with an established payment amount that was well over the total amount. They intentionally allocated payments without notification to create additional interest in fees circumventing their XXXX interest promotion period.

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 2025-06-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent Experian, Transunion, and Equifax dispute letters regarding inaccurate information on my credit report on XX/XX/year>. They have yet to respond within the 30 day window.

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 2025-06-24 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: FL

Complaint narrative:
I sent Experian, Transunion, and Equifax dispute letters regarding inaccurate information on my credit report on XX/XX/year>. They have yet to respond within the 30 day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: NC

Complaint narrative:
We contracted with Calcon/XXXX XXXX XXXX  for a construction to perm loan XXXX XXXX. They took over 80 days to convert our loan, allowing them to collect an additional {$5100.00}. in interest. We paid despite the fact we questioned their practices. We made our XXXX mortgage payment despite not having a payment coupon ( {$4500.00} ) We receive our Mortgage statement finally for XXXX and the interest rate is at 7.99 % instead of the signed contract rate of 6.125 %. They are holding my XXXX payment instead of applying it to my account and want me to pay {$7400.00} instead. Our signed contract states the interest rate for the mortgage was to change to 6.125 % from the interest only rate of 7.99 % for the construction loan. I am being made to pay late fees and I do not trust this bank to account for the monies I am paying them. They still have not gotten it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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