vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 youhave 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
Planet Home Lending reported two extremely damaging late payments : 60 days late XXXX XXXX 90 days late XX/XX/year> But these lates were not legitimate, because Planet Home Lending misapplied or failed to credit my payments on time. 

XXXX. Mortgage Servicers Must Correctly Apply Payments ( RESPA XXXX ) It is illegal for a servicer to : misapply payments hold payments fail to credit a payment the day it is received report a consumer late when funds were sent This is a direct RESPA violation. 

XXXX. False Late Reporting Is A Violation of FCRA 623 ( a ) ( 1 ) ( A ) Servicers must report only accurate information. 
Reporting me XXXX  days late when payments were made is inaccurate. 

XXXX. They Never Sent Proper Notice Before Reporting Late ( RESPA Regulation X ) Mortgage servicers must send : Notice of error Notice of delinquency Opportunity to correct No such communication was sent. 

XXXX. No Investigation Occurred When I Raised the Issue This violates : FCRA 623 ( b ) RESPA 1024.35 ( error resolution ) Requested CFPB Resolution I am requesting : XXXX Review of the misapplied payments XXXX. Correction and deletion of all late marks XXXX. Accounting history showing how my payments were credited XXXX. A corrected report sent to all credit bureaus XXXX. Compensation if applicable for wrongful negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
I was going to XXXX XXXX XXXX for XXXX XXXX and being charged my co-pay {$20.00} each time which I was XXXX  with. 

After 2 months or so they said I owed the ~ {$430.00}, which I was never made aware of prior. 

I refused to pay and the debt was sent to Synergetic Communication , Inc . 

I explained the situation to Synergetic and asked them to send additional information and never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: PA

Complaint narrative:
I am reporting a billing error and servicing violation by Edfinancial Services regarding an alleged student loan balance. 

I submitted a formal Billing Error Notice disputing the accuracy and legality of the reported amount. My notice requested : The original, signed promissory note The complete payment posting history A money XXXX XXXX XXXX  entries showing how each payment was applied A GAAP-compliant accounting Interest and fee calculations Chain-of-title / ownership documentation All documents required under FCBA and TILA Edfinancial did not : Acknowledge the dispute within 30 days ( required by 12 C.F.R. 1026.13 ( c ) ) Conduct a reasonable investigation Provide a single document verifying the balance Provide accounting or payment history Provide the promissory note Provide chain-of-title or evidence of ownership Resolve the billing error within the required 90-day timeframe Suspend collection activity during the billing error investigation Instead, they continued to : Collect Send billing statements Apply interest and fees Treat the debt as valid Report negative information ( if applicable ) This is a clear violation of Federal Billing Error Procedures, TILA, FCBA, and CFPB regulations.

Additionally : Past payments appear to have been misapplied Balances change without explanation Interest appears to be improperly calculated Edfinancial has not shown lawful authority to service or collect the alleged debt Because Edfinancial failed to provide evidence or documentation, the amount they claim I owe is unsupported, unverified, and legally disputed.

Under 15 U.S.C. 1666 ( e ), a creditor who fails to respond with documentation forfeits the right to collect the disputed amount.

I am requesting CFPB action.

Billing Error / TILA / FCBA Violations 12 C.F.R. 1026.13 failure to acknowledge or investigate 15 U.S.C. 1666 failure to resolve dispute 15 U.S.C. 1666b improper crediting of payments 15 U.S.C. 1666 ( e ) failure to provide documentation forfeits collection rights Student Loan Servicing Violations Failure to provide complete payment history Failure to provide accurate balance explanation Failure to apply payments correctly Failure to provide the promissory note Failure to validate or verify the loan Documentation / Accounting Violations 12 U.S.C. 5562 ( c ) ( 10 ) refusal to provide documentary material 12 U.S.C. 1831n failure to provide GAAP accounting Failure to provide posting ledger or XXXX XXXX FDCPA ( if collections involved ) 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the amount or legal status of the debt FCRA ( if negative reporting occurred ) Reporting inaccurate or unverified information Failing to mark the account as in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Fraudulent and in accurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
Please provide validating documents. The date of last activity is reporting differently among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute with the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccuracies and discrepancies in my credit report as provided by the credit bureaus. Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$18000.00} Late Payment : XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX  XXXX/XXXX  Account Number : 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies and discrepancies in my credit report as provided by the credit bureaus. Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1900.00} Late Payment : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of derogatory accounts that are older than XXXX years, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ).

Under the FCRA, credit bureaus are prohibited from reporting negative items such as collections, charge-offs, or delinquent accounts after XXXX years from the date of first delinquency. Despite this legal requirement, my credit reports from all three credit bureaus continue to display several accounts that have exceeded the seven-year reporting limit. 

I have previously disputed these accounts directly with the credit bureaus, yet they remain on my reports without proper correction or removal. Their failure to delete these obsolete accounts has caused ongoing harm, including damage to my creditworthiness and financial opportunities. 

I am requesting that the Consumer Financial Protection Bureau : Investigate the failure of Experian, Equifax, and TransUnion to comply with FCRA 1681c ( a ) concerning obsolete information.

Require the credit bureaus to delete all accounts on my credit file that are beyond the seven-year reporting period. 

Ensure that the credit bureaus implement corrective measures to prevent continued inaccurate and unlawful reporting. 

I am attaching/including documentation such as copies of my credit reports, dispute letters, and any responses Ive received from the bureaus to support my claim.

Thank you for your attention to this matter. I request regulatory action to ensure full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623.

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} This account is inaccurately reported, and Equifax has failed to provide proper documentation or verification. 

Inquiries ( XXXX ) XXXX XX/XX/XXXX This inquiry is being reported inaccurately, and I request that it be removed unless validated. 

Late Payments ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
Im so stressed out by this company & mental breakdown This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My information was compromised via Trans Union leaking all information. I wasnt notified by Trans Union I reported the information to them for inquiries. I believe it was XX/XX/year> or XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
XXXX Mortgage continues to hold our funds for our house repair caused by an XXXX tornado on XX/XX/year> that has already been completed. We have had inspections that reflect that and still refuses to release the rest of our funds issued by XXXX XXXX. It has been lie after lie regarding paperwork and what is left to release the funds. XXXX has been resubmitted endlessly to no avail. Inspections are beyond over yet they keep saying we need more. I have taken over work to call these people over and over to see what I can do to receive MY funds. My wife and I are paying our own money to cover a loan we borrowed to repair our home from the damage because theyve held our money XXXX. This company is an absolute loan shark and treat customers like trash! I wish my former mortgage company didnt sell ours to this trash company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
, I am submitting this dispute to correct inaccuracies in my credit report. The following accounts are inaccurately reported and need to be investigated and corrected promptly. 

Charged Off Accounts : XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/year> Balance : {$160.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/year> Balance : {$330.00} Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
on Thu, XX/XX/year> at XXXX PayPal wrote to me that I have unclaimed : Amount : {$11000.00}, I have responded to PAYPAL 's request and provided details to issue check for the Amount : {$11000.00} made payable to XXXX XXXX XXXX send me a check made to " XXXX XXXX '' which I can not use so I contacted them to correct their mistake. 

Paypal confirmed on XX/XX/year> that the initial check in cancelled and a new check will be mailed within XXXX business days, after that there is silence on their side and my paypal account balance is now showing zero. 

I have attached entire Email chain to this complaint and remain available to answer any questions to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account was closed by the creditor without my consent. The card ( CAPITAL ONE ) was never received, activated, or used. Please remove the account as it is inaccurately reported.

Company response to consumer: Closed with explanation