vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
I have had problem with New American Funding from the beginning. They either do not send statement and 99 % of the time they send them late while their customer service claims they give us 30 days to pay it. Then they charge late fees which adds up since each time is {$91.00}. They also have continuous delay on applying payments while they hold the payments apply it to an account while they work with that money and take my ability 's to work with my money and still charging me for interest, while charging for late fee, to the point of 5 months down the road and I have discovered some payments just disappear after they did not apply them. They have no consistency on sending my statement on regular pattern which I think it is by design so they can gain all the late fees. Customer service make false assumption as we get 30 days and on regular bases, while by the time gets to my home it is 2 days or even past the due date to mail it back to them. they send multiple statements with different principle balance as well as false payments applied with different due dates as well as double charging. Then they take the money for months and they don't even show it in their statements. Lots of mistakes with their " Cash Team '' as they apply or don't apply to right account even they have the coupon with the checks. Then they send the check back and declare they don't know where to put it and then keep the other portion for couple of months or more while they charge me for the late fees. I am including an spread sheet that has taken me since XXXX of this year to complete. I have spend so many hours on this and still it is a mystery how they apply our payment. Transparency is not what is practiced with this company. XXXX their manager claims they send my payments on the XXXX of the month as I requested and maybe I received that on that date twice for the life of the loan. Customer service has no clue when they get the check or when they apply it or what is the check numbers and when they send the statements as it is not consistent which I think it is by design. over the phone they always take around 1 hour to get to the point they have no solutions and just we sorry at the end. It is very unethical and unjust.

I am attaching a spread sheet to show these unethical acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Equifax. Specifically, I am disputing the following accounts being reported. 
Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This item was canceled within minutes of placing the order. XXXX refused to cancel the order, stating it had already been processed for shipping, and there was no way to stop it. 
I filed a dispute with them on XX/XX/XXXX. They have not responded, they have now put my account into a late payment status.

I do not have this item, they refuse to cancel it. They want me to have it delivered, then return it. They are rude, and refuse to work with me. They do not respond to the dispute.

Account number ending in XXXX TRANSACTIONS Trans Date Description Reference # Amount CARD ENDING XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ORDER # XXXX XX/XX/XXXX PROMOTIONAL PURCHASE : To avoid interest charges, please pay the above in full by XX/XX/XXXX. Monthly payments required. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX ORDER # XXXX XX/XX/XXXX TOTAL CARD ENDING XXXX {$1200.00}

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following charged-off accounts and requesting a full reinvestigation. Several of these accounts show inconsistent reporting, missing required data, or balances/notations that appear inaccurate. I am unable to validate these entries, and I am requesting that Equifax verify the accuracy and completeness of each account. Any account that can not be fully verified must be corrected or removed under the Fair Credit Reporting Act. 

Charged Off Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are no inquiries being disputed on Equifax for this filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-24 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and Im following up regarding a {$320.00} payment made on XX/XX/year>, from my Cash App account ( $ XXXX ) to $ XXXX ( XXXX XXXX ). This payment was intended for a product that was never delivered. After the money was sent, the seller ceased all communication and failed to provide what was agreed upon.

Im not writing this to be confrontational. Im fully aware of how peer-to-peer platforms operate, and I try to be understanding when things go wrong. But this particular situation hit me hard. The funds were meant to help me reclaim my vehicle, which is essential for me to get back to work and maintain my livelihood. Being put in this position due to someone elses misrepresentation has had real, immediate consequences.

I'm not requesting anything beyond what I believe is fair. Based on California Financial Code 2102 and the Federal Electronic Fund Transfer Act ( Regulation E ), I believe this case qualifies for review and a potential refund. These laws exist to protect users like myself when good faith payments result in deceptive or fraudulent outcomes.

In my view, a fair resolution would include : A refund of the {$320.00} payment made under false pretenses.

A review of the recipients account activity to help prevent further incidents.

An acknowledgment that the situation has been reviewed, even if detailed findings can not be shared.

All relevant documentation is available, including transaction records, messages, and screenshots of the agreement and non-delivery. I hope this request is received in the spirit it's intended as a sincere effort to resolve a tough situation respectfully and responsibly.

Thank you for your time and understanding. You can reach me at XXXX or XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One reported this account on my credit report however the account does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : URGENT CFPB COMPLAINT TRANSUNION ILLEGALLY REINSERTING A DELETED XXXX XXXX  ACCOUNT WITHOUT REQUIRED NOTICE OR FURNISHER CERTIFICATION. To : Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint against TransUnion for willful and reckless violations of the Fair Credit Reporting Act ( FCRA ) regarding the unlawful reinsertion of a XXXXXXXX XXXX account. On XX/XX/year>, TransUnion deleted the XXXXXXXX XXXX  account from my credit file following my dispute. However, only 48 hours later, on XX/XX/year>, TransUnion reinserted the same account without providing the legally required written reinsertion notice within five business days and without obtaining the mandatory furnisher certification of accuracy as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). TransUnion failed to notify me of the reinsertion, failed to provide any information regarding certification, and failed to provide evidence that XXXXXXXX XXXX  verified, reviewed, or certified the accuracy of this account. The 48-hour timeframe between deletion and reinsertion makes a lawful reinvestigation and furnisher certification procedurally impossible, demonstrating that TransUnion did not comply with federal law. This conduct violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) failure to provide proper notice and obtain certification prior to reinsertion ; 15 U.S.C. 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy of the information ; 15 U.S.C. 1681s-2 ( b ) failure to ensure the furnisher conducted a lawful investigation ; and constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, entitling me to statutory, actual, and punitive damages. This unlawful reinsertion has caused significant financial harm, credit denials, adverse scoring impact, and emotional distress. I am requesting that the CFPB immediately investigate TransUnions unlawful reinsertion practices, compel the immediate and permanent deletion and suppression of this account from my TransUnion file, assess penalties and sanctions for repeated willful noncompliance, and provide a written report of all findings. If this matter is not promptly resolved, I will escalate by pursuing federal claims for damages and filing additional complaints with the FTC and my state Attorney General. I expect swift action and permanent removal of this unlawfully reinserted account.

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 2025-11-24 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: CA

Complaint narrative:
Please examine the provided items ; the questions came suddenly and may lack approval.

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 2025-11-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting a reinvestigation of the following accounts. Due to multiple data breaches affecting my personal information, some accounts and payment histories may be inaccurate or unverifiable. Please conduct a full FCRA-compliant investigation. 

CHARGED OFF ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
The following items are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief