vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I submitted a formal dispute to Equifax regarding multiple inaccurate accounts appearing on my credit report. Along with my dispute letter, I provided supporting documentation, including FTC Identity Theft Report. Despite this, Equifax has not removed or corrected the inaccurate information. I have not received a meaningful investigation response, and the accounts in question remain unchanged on my credit report. This lack of action violates the Fair Credit Reporting Acts requirement to conduct a reasonable investigation and respond within 30 days. I am requesting CFPB assistance to compel Equifax to conduct a proper investigation and remove the inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Mohela takes several days to post payments so I ended up making an overpayment not realizing the payment was already made. When I contacted them ( XX/XX/XXXX ) they told me it will take 90 days for the refund and that it would be deposited to the account that the payment was auto-drafted from. I received an email that the refund was made on XX/XX/XXXX. I have checked my account daily and there is still no refund. I called the XXXX number and sat in a holding queue ( first time XX/XX/XXXX ) for XXXX minutes and was disconnected before anyone ever answered the phone ). Called again this morning ( XX/XX/XXXX ) in the time that was suggested as the best time to call. Spoke to a representative ( only a few minutes in the holding queue ) only to be told she can't help me and that I need to speak to an advanced representative. She told me she would transfer me but did not tell me I was going into another holding queue. This time it is an average 1 hour hold! 
My frustration is if they posted payments in a timely manner, I would not have made the overpayment in the first place. And then I have to wait 90 days for them to process the refund ( no interest of course ) but if I had been late on the payment I would have been penalized. 
The agent I spoke to did say that the notice may be the day that Mohela actually processed the refund and sent to the XXXX Treasury who actually pays the processed refund. 
I must be ontime with my payments so why must it take so long to receive money overpaid returned to me without interest? 
Rant over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am writing to file a formal complaint against one or more credit reporting agencies ( Equifax, XXXX, and/or XXXX  ) and furnishers ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) for ongoing violations of the * * Fair Credit Reporting Act ( FCRA ) * *. 

Despite multiple disputes, inaccurate and inconsistent information continues to be reported on my credit reports. I have worked with a credit repair service and also submitted disputes directly. However, the following violations appear to have occurred : -- - # # # Summary of Issues : * * 1. Inaccurate Reporting * * - Example : XXXX XXXX shows a {$2300.00} collection on Equifax but {$0.00} on XXXXboth marked as negative. 
- XXXX XXXX, XXXX XXXX also report varying balances and statuses between bureaus. 

* * 2. Failure to Investigate and Correct ( FCRA 611 ) * * - Disputed items remain unchanged across rounds. No proof of proper reinvestigation was provided. 
- XXXX  deleted certain items while Equifax and XXXX  continue reporting them. 

* * 3. Inconsistent Data Across Bureaus ( FCRA 607 ( b ) ) * * - Same accounts show different balances and statuses across credit bureaus. 

* * 4. Failure to Flag Disputed Accounts ( FCRA 623 ( a ) ( 3 ) ) * * - Some accounts do not reflect a " disputed '' status despite my formal disputes being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$490.00} INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank charged off my account even though I was never more than 60 days late. I received a billing statement dated XX/XX/scrub> 2025, showing a {$47.00} minimum payment due by XX/XX/year>2025. This shows the account was still active and not in default. I had previously agreed to a partial settlement but changed my mind and intended to pay in full. Before I could do so, the creditor closed my account and locked me out of the portal. This charge-off is premature, inaccurate, and violates standard FCRA reporting guidelines that require 120180 days of non-payment before a charge-off. I am requesting this account status be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

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 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I was contacted by a debt collector about a XXXX XXXX account that was in collections status. I told them that i have never had XXXX XXXX and that i had another Identity Theft and needed to resolve this. I filed fraud charges thru XXXX and XXXX  credit bureau and saw the collections removed from my credit. On XX/XX/year>, i recieved a notification from XXXX that a collections had been put on my credit and it has negatively affected my credit score. Credence Resource Management placed a collection amount of {$1500.00} as of XX/XX/year> on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
In accordance with XXXX XXXX XXXXXXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-29 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:
b'I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. 
XXXXc-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. 
XXXXc-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 2025-05-29 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: LoanCare, LLC
State: GA

Complaint narrative:
We have submitted a claim check from our insurance company to be endorsed. That's been over XXXX weeks now .. We had a kitchen fire on XX/XX/XXXX and we're displaced for over XXXX  days. All the while attempting to jump through hoops and submit documents that are mortgage company, loan care. Requested to continue progress. Since then all documents that were requested have been submitted, work has been done to the point of having to order cabinets, countertops, appliances, flooring ETC. I have extinguished all personal funds in order to pay for work that has been done thus far, and the mortgage company inspector has visited and I have confirmation that the inspection passed with XXXX  % completion. As of this date and my conversation this morning they still are not releasing any portion of my funds, and say more documents must be submitted. None of which are requested on their portal and are marked N/A! Senior citizens do not have the mental capacity to be tortured by these unethical practices. We desperately need some help with this matter. Loancare Claim # XXXX 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 2025-05-29 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My mortgage was transferred on several occasions and the current company Nationstar Mortgage, LLC states continuously of an escrow shortage but I have been paying from XXXX to XXXX dollars monthly in addition to the normal monthly payment. As a XXXX percent XXXX veteran I am exempted from a variety of taxes. Some mortgage companies previously managed was Rushmore XXXX XXXX XXXX  XXXX and Nationstar and when issues addressed with these banks or mortgage companies in terms of escrow fraud, its transferred. A copy of a letter submitted previously to Nationstar will be attached to this email : Office of RESPA and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Request for Investigation into Possible Escrow Fraud XXXX XXXX XXXXXXXX & Mr. Cooper Mortgage Dear Office of RESPA and Interstate Land Sales, I am writing to formally request an investigation into the escrow practices of XXXX XXXXXXXX XXXX and Mr. Cooper Mortgage to determine whether escrow fraud has been committed and whether any overpayments have not been refunded, in accordance with RESPA regulations for North Carolina. 
There are multiple indications from both mortgage companies that suggest potential overpayments based on the calculations of homeowner 's insurance, property taxes, and the required escrow cushion. As a veteran with a total XXXX, certain tax exemptions apply to my property, but there appears to be a misunderstanding in how these exemptions are calculated and applied to my escrow account. 
To support this request, I have attached a letter that I previously submitted to Mr. Cooper Mortgage. This letter dated XX/XX/year>2025, outlines concerns regarding escrow overcharges, the calculation of required cushions, and compliance with RESPA guidelines. I request that this letter be considered as additional background information for your office.

Specifically, I am seeking : 1. A detailed escrow analysis of my account with both lenders to ensure compliance with RESPA regulations.

2. A review of whether the escrow cushion exceeded the allowable XXXX of total annual escrow expenses. 
3. A determination of whether any excess funds should be refunded if overcharges are identified.

Additionally, I am concerned that payments to the tax assessors office are being processed through XXXXXXXX rather than being paid directly. This raises further questions about whether the escrow shortages reported by these mortgage companies accurately reflect my actual tax obligations. 
I would appreciate your prompt attention to this matter. Please confirm receipt of this request and advise me of any further documentation needed. Thank you for your time and assistance in ensuring compliance with RESPA guidelines. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company is such a burden, they are a scam and have charged me more in fees than I have ever spent at XXXX on their XXXX  credit card - {$70.00} in fees to date and I have never even put that on the card and they only offered a {$15.00} REFUND for fees even though I proactively reached out to them and let them know that i was unable to make payments effectively i was unable to connect the card to an comenity account so i could pay it i let them know that i wanted XXXX  on and all my cards are on XXXX  and i set it and forget it and to not charge me late fees because i had just got the notice in the mail, late, and i had to call in to set up the account online it was a huge pain and i asked them and they lied to me on XX/XX/XXXX stating they did not charge me any late fees to date when they did on XX/XX/XXXX and they should reverse that {$30.00} fee altogether that is DTPA violation in texas and technically they now owe me three times the late fees they charged me and i shall file a lawsuit if they do not refund me the remaining {$55.00} in late fees that i was grossly overcharged this is a scam and should never be allowed to charge more in late fees than the entire balance of a credit card that is insane- I have never had a problem with any OTHER card ever for autopay NOT WORKING, they also damaged me great outstanding credit, I want ALL REMARKS REMOVED FROM MY CREDIT REPORT immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus informed me that they received my dispute and supporting documents, but they refused to investigate further, claiming I used a credit repair company. I've been repeatedly dismissed by the bureaus for months, and it's becoming extremely frustrating.

As a consumer, I feel my rights are being violated, and Im unsure how Im expected to resolve this issue when the same pattern continues to occur.

Im asking for your guidance and assistance in helping me get this corrected. 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 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: AL

Complaint narrative:
I tried the student loan forgiveness and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Harris and Harris reported to XXXX  that I owe them XXXX for a XXXX XXXX from XXXX which I told them I am currently and dont owe XXXX  or XXXX anything I called XXXX no collection showing with them so now I have a collection and have never done any business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing the continued reporting of a XXXX XXXX Bankruptcy with Reference No. XXXX, filed on XX/XX/2020, as listed on my TransUnion credit report. This item has remained on file without sufficient validation, and TransUnion has failed to demonstrate that the information is being accurately and lawfully maintained. I have serious concerns that the reporting of this bankruptcy may be the result of a data breach or administrative error, especially considering inconsistencies in how it appears across the credit bureaus. TransUnion is required under 15 U.S.C. 1681i to conduct a thorough reinvestigation of any disputed item, and under 15 U.S.C. 1681e ( b ), it must ensure the maximum possible accuracy of all data reported. Despite these legal mandates, there is no indication that TransUnion has verified this public record directly with the bankruptcy court or has ensured the records integrity and association with my personal data.

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 2025-05-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Got behind on bills so my credit score dropped drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation