vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For the last two months, Equifax, Experian and Transunion have been incorrectly, reporting my balances of accounts on my credit report which has resulted in me, losing out on being able to apply for a mortgage and has also involved me having to close credit accounts because my credit card companies had to increase my balance based off of inaccurate information.

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 2025-07-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stellantis Financial Services US Corp.
State: SC

Complaint narrative:
I am submitting this complaint regarding First INV Servicing, Co for the fraudulent and unlawful reinsertion of a previously deleted account on my credit report. 

In XXXX, this account was investigated and removed from my credit file because it was determined that the debt did not belong to me. However, it has now been reinserted and falsely listed as a charge-off, which is inaccurate, misleading, and damaging to my credit profile. 

The account now appears as : Opened : XX/XX/XXXX Reported : XX/XX/XXXX Closed : XX/XX/XXXX Status : Charge-Off This reinsertion violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Under FCRA 611 ( a ) ( 5 ) ( B ), a previously deleted item may not be reinserted unless the data furnisher certifies that the information is accurateand the consumer must be notified within five business days of the reinsertion. I received no such notice.

The continued reporting of this account is also a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate. 

This account was rightfully removed from my credit report in XXXX, and there is no legal or factual basis for its reappearance. I am demanding that this account be immediately and permanently removed from all of my credit reports. 

This situation has caused me significant harm, and I ask the CFPB to investigate INV Servicing and hold them accountable for violating federal consumer protection laws. 

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 2025-07-03 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: GA

Complaint narrative:
For the last two months, Equifax, Experian and Transunion have been incorrectly, reporting my balances of accounts on my credit report which has resulted in me, losing out on being able to apply for a mortgage and has also involved me having to close credit accounts because my credit card companies had to increase my balance based off of inaccurate information.

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 2025-07-03 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXL 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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXL 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 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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: KEYCORP
State: NY

Complaint narrative:
Keybank denied the provisional charges on XXXX after their supposed investigation even though I informed them on XX/XX/27 they were going to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

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 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I am reporting a company that has fraudulently collected money from me under false pretenses. Beginning in XX/XX/year>, I began making payments to a company that claimed to be collecting on an old loan I took out through The Cash Store. 

The company originally identified itself as XXXX, then rebranded as XXXX XXXX and XXXX. I have paid them over half of the original debt, but they have refused to provide any written validation or documentation. When I asked for proof, they became hostile and used deceptive language like deferred legal agreement and threatened that location services would contact me. 

Most disturbingly, the actual charges on my bank statement were processed under the name XXXX  XXXX, a real healthcare company that has nothing to do with debt collection. The charge description includes the number XXXX and the address XXXX  XXXX XXXX. The company now refuses to identify themselves properly and claims that XXXX  XXXX is a secure processor. 

I believe this company is operating an unauthorized or scam debt collection scheme, misusing third-party payment processors, and engaging in fraudulent consumer practices. I am working with my bank to dispute the charges and would appreciate any investigation into the payment processor or business entity behind these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I've sent multiple letters to this company asking that my loan be deferred, reinstated, or modified. All of these requests have either been denied or the proposed terms that were offered were absolutely ridiculous. I'm happy to forward any & all letters that support this statement. All that I want is to avoid an unnecessary foreclosure as I've clearly been in constant communication with SPS. Many people give up & run, but I have not. Their unwillingness to work with me goes against the principals & spirit of the CFPB, FTC, XXXX, & XXXX I filed a previous complaint with the CFPB & was appalled that you did not step in. Afterall, the CFPB was created to protect consumers. Please reach out with any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
On XX/XX/year>, I purchased a townhome in XXXX, XXXX, and my first payment was due XX/XX/year>. In a letter dated XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXX informing me that they were the new servicer for my mortgage loan and to submit payment to them ( Account No. XXXX ), and I enrolled in autopay for my mortgage. 

On XX/XX/year>, XXXX notified me that my was sold to XXXX on XX/XX/year>, and my new servicer was Nationstar Mortgage LLC dba Mr. Cooper and my mortgage payments should be sent to Mr. Cooper. XXXX XXXX XXXX XXXX XXXX then sent me a letter dated XX/XX/year>, informing me that Mr. Cooper was now the servicer of my loan and I should submit my XX/XX/year> payment to Mr. Cooper. In a notification from Mr. Cooper dated XX/XX/year>, I was informed that Mr. Cooper would now be servicing my mortgage loan ( Account No. XXXX ). I called Mr. Cooper because I was confused with respect to who I should send my mortgage payments to and was informed that " definitely '' Mr. Cooper is where my mortgage payments should be sent. So I enrolled in autopay with Mr. Cooper on XX/XX/year>. 

Now BOTH XXXX XXXX XXXX XXXX XXXX AND Mr. Cooper have deducted mortgage payments from my account - each in the amount of {$1300.00}. I CAN'T AFFORD TO PAY XXXX ( XXXX ) MORTGAGE PAYMENTS. Furthermore, both XXXX XXXX XXXX XXXXXXXX and Mr. Cooper deducted mortgage payments AFTER XX/XX/year>, when I specifically set up my payment to be deducted on XX/XX/year>! 

I believe XXXX XXXX XXXX XXXXXXXX deducted my mortgage payment from my account when they were not supposed to ; however, when I called XXXX XXXX XXXX XXXX XXXX, they couldn't locate the letter they sent me dated XX/XX/year> informing me that Mr. Cooper would now be the servicer of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: VT

Complaint narrative:
Robinhood placed a restriction on my trading account that I realized on XX/XX/XXXX while trying to transfer Bitcoin to my personal wallet when the transaction wouldnt go through, I contacted support. They indicated there were no restrictions and had me validate my ID just in case and to try again in a couple hours. I tried several more times, and the restriction remained. The following day, I had a notice on my account that my account was restricted and I couldnt buy or transfer anything, and I had to wait until the XX/XX/XXXX for them to review my account. I sold all of my other crypto ( XXXX ) and tried to transfer all funds back to the savings account that it had initially came from and was validated, and I can not transfer anything. There is no phone number, and customer service would not get in touch with me after XXXX attempts to talk to someone to understand the nature of the restriction. One call finally came through, and the person said they couldnt tell me anything and I had to wait now until XXXX for the review, that I couldnt have my money, and all correspondence had to go through email now, then hung up on me. 
I've tried over XXXX times to request a call from their app, which is the ONLY way to get in touch with them, and they call my phone, let it ring once, then hang up. If I answer it before the first ring is over, it connects, then immediately hangs up. 

This company has stolen {$13000.00} of my money. I say stolen because I can not transfer it, withdraw it, can not place any trades with it, and there is absolutely no way to get in contact with these thieves.

Company response to consumer: Closed with explanation