vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I am filing a complaint against Rocket Mortgage for improperly denying my hardship request related to mortgage assistance and loss mitigation. 

Rocket Mortgage denied my hardship request on the basis that I am not in much of a hardship because I am currently paying both rent and my mortgage. This reasoning is flawed, unreasonable, and inconsistent with federal mortgage servicing standards. 

I was displaced from my home due to circumstances outside my control and am required to pay rent for alternative housing while simultaneously maintaining my mortgage payments. Paying two housing obligations at the same time is a significant financial hardship and is commonly recognized as such under loss mitigation and hardship review standards. 

Rocket Mortgage failed to conduct an individualized, good-faith hardship analysis and instead relied on a blanket conclusion that ignores my actual financial burden. This denial does not reflect a reasonable evaluation of my financial condition and appears to violate fair servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NM

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
have two extra account on my report and when i ask company about it they keep saying they dont see no records with me national credi systems XXXX XXXX XXXXXXXX national credit systems XXXX XXXX XXXX and XXXX XXXX XXXX XXXX trying to get help to figure out what is this about please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/year>, I received my XXXX check for the month of XXXX. A transaction of {$350.00} was taken, than a few minutes later a transaction of {$400.00} was taken and than later that night a transaction was made {$200.00}. I disputed the transactions, Chime denied me and will not refund the money. I have not been able to buy XXXX or pay my bills for XXXX other than my phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
I called to unfreeze my credit for five days. They ask for and I gave them my name current address social security number, phone number, email address. Then they said they needed to verify that I was me. They read questions asking if I knew a person that owned property in the town where I lived seven years ago. The person is my nephew but he never owned any property just lived with his parents so that is not a correct answer. Then they asked another his mother and she has not lived in that town for thirty plus years. They then asked about a street I lived on and gave me a XXXX XXXX as a street name. I had a XXXX XXXX nearly thirty years ago and am not sure what it was as I only had it for a year. I find it very disturbing that they associate my identity with relatives not past work or real property address or an auto loan. I would like to see verification algorithms changed. I also would like the use of social security numbers as id prohibited as it is against US law to so.

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 2025-12-22 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX  XXXX XX/XX/year> These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-12-22 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: CA

Complaint narrative:
This account was reported inaccurately under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-22 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-22 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
I asked for them to provide the following : Are you the holder of the original note and if so, produce it. 
If not the holder of the original note, produce a contract between XXXX and the alleged debtor. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Produce the full accounting of both receivables/payables by submitting General Ledger/Balance Sheet. 
Original agreement that bears the original signature of the alleged debtor wherein I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name and address on file of alleged debtor. 
Alleged account number. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 

They are also not licensed to collect in state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
My direct deposit was received on XX/XX/XXXX from XXXX in the amount XXXX. I received a text from Netspend advising the funds would be returned to XXXX but to send documents to verify my identity. This information was sent drivers license and utility bill as requested showing my full name and address. They advised my direct deposit was automatically returned on XX/XX/XXXX but XXXX has not received the funds and they have yet to credit the funds to my account. 

At this point they are holding on to my funds illegally and I have yet to get paid the week before XXXX. I have XXXX kids and do not have money to just give away.

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 2025-12-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-22 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 explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I am disputing certain items reported on my credit file and kindly request that they be reviewed for accuracy. These items may be incorrect or incomplete, and I respectfully ask that you investigate them as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$260.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX  XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX LATE PAYMENT 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 2025-12-22 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: NV

Complaint narrative:
I am writing to formally dispute certain items reported on my credit file with your bureau, as outlined below. These items appear to be inaccurate or incomplete, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX XXXXXX/XX/XXXX, {$0.00} INQUIRIES XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My spouse and I attended XXXX XXXX XXXX from XXXX. The school closed due in XXXX to fraudulent situations involving theft by the XXXX in which had nothing to do with our education still but it is affecting it. Ive learned that the school is not an accredited institution but during enrollment we were told that we could use our credits. I am now in default of over {$10000.00} in school loans for a certification in which I can not obtain my transcripts in order to further my education. After reaching out to the Department of Education and the XXXX XXXX XXXX I have been attempting to resolve the problem but to nothing is being told to me besides that I have to pay the debt, and that our transcripts are Unobtainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to formally dispute the reporting and handling of my Synchrony/Lowes credit card account and to request immediate correction of all related credit reporting. 

Account Background and Timeline I was enrolled in paperless billing without being asked for or providing my preference. 
In XXXX, I paid the account balance in full in the amount of {$620.00}, believing the account was completely satisfied. 
No additional billing statements or notifications were sent to me after that payment. 
In XXXX, I discovered that my credit score had dropped from nearly XXXX to XXXX. Upon investigation, this account appeared to be the cause. 
On XX/XX/year>, I contacted Synchrony to request a payoff amount. I explained that I believed the account had already been paid in full. I was provided a payoff balance of {$19.00}, which I paid immediately. 
During that call, I asked why this amount had not been included in the XXXX payoff. I was told that the accumulated interest had not been calculated at the time and was added several days later. I was never informed of this additional balance. 
I also requested that the account be closed at that time. 
This past weekend, I received an email indicating a remaining balance of nearly {$29.00} When I called to inquire, I was told this amount reflected a credit for late fees that had been reversed. 

Basis for Dispute If late fees were credited, that alone demonstrates the payments should not have been considered late. Had I been provided an accurate payoff amount in XXXX, this situation would not have occurred. The failure to include accrued interest in the original payoff, combined with a lack of notification and involuntary paperless billing enrollment, constitutes an error in account servicing. 

I have maintained a lifelong practice of paying my credit cards in full every month. This account history is inconsistent with my payment behavior and does not accurately reflect my creditworthiness. 

Financial Harm This matter is causing immediate and material harm. I am in the process of purchasing a vehicle, and the significant drop in my credit score has prevented me from qualifying for a favorable interest rate. As a result, the vehicle purchase may not be possible unless this issue is promptly corrected.

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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I financed a XXXX XXXX purchase through Synchrony Bank under a deferred interest promotion that expired on XX/XX/year>. 

At the time of purchase, the deferred interest terms and expiration date were not verbally disclosed or clearly explained. I believed I was making regular payments toward the balance without risk of retroactive interest, as long as payments were made on time. 

I made all payments on time throughout the full two year promotional period. No proactive or separate notice was provided prior to the promotions expiration, such as a letter, email, or alert. The only reference to the expiration appeared on routine monthly statements.

Because payments were made automatically and on time each month, there was no indication that additional action was required to avoid a large deferred interest charge. I first became aware of the issue only after {$1500.00} in deferred interest was added to my account, increasing the balance beyond the original purchase amount.

I contacted Synchrony Bank immediately upon discovering the interest on XX/XX/year> and requested a one time courtesy adjustment or a short reinstatement of the promotion so I could pay the remaining principal in full. This request was denied.

I am requesting removal of the deferred interest or reinstatement of the promotion as a fair resolution, based on lack of clear disclosure, absence of reasonable notice, and my perfect payment history.

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 2025-12-22 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation