vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : BANK XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 
Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed the debt a year ago. It was removed from my credit for 4 months then showed up again. So I called them and talked to them about payments they said yes. And also said they would send me info to start paying. I updated my address and everything. Its been 4 months since. I am just trying to build my credit. Not to mention I was in prison when this went to court. During covid is when this debt all started

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: OH

Complaint narrative:
This complaint challenges XXXX XXXX XXXX XXXX XXXX XXXX ) attempt to collect a debt, claiming it's invalid and XXXX failed to provide proper proof despite a prior CFPB complaint and repeated requests, demanding the original contract, chain of custody, and verification process details to substantiate the alleged obligation. The consumer denies the debt, has no record of it, and asserts XXXX 's current collection efforts on this disputed, unverified debt are improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I started to see money transfers to people I do NOT know. So I started to file for dispute after dispute. CHIME denied every single charge. I had got XXXX XXXX for XXXX XXXX, from XX/XX/XXXX, XXXX XX/XX/2025. Someone stole my phone and wallet at this time. And as I'm XXXX XXXX someone was spending my money. I tried to access my account but someone's changed all my information like email, password, mailing address, and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
Subject : XXXX Removal of Invalid Credit Entry Not Reflected in CFPB File Urgent Follow-Up XX/XX/XXXX Dear CFPB Representative, I am writing to urgently follow up on my complaint against XXXX XXXX XXXX XXXX regarding a derogatory entry tied to a 12-digit credit card number that was never valid. 

On XX/XX/XXXX, and again on XX/XX/XXXXXXXX XXXX confirmed to both me and the CFPB that they had removed this erroneous item from all consumer reporting agencies ( CRAs ), including Equifax. The XXXX letter reiterates this, with an enclosure, confirming deletion. 
However, on XX/XX/XXXX, your office emailed me stating that no such confirmation had been received from XXXX. Furthermore, as of today, Equifax still has my credit file frozen due to this same unresolved derogatory entry, as confirmed by my lender. 

I am attaching the following documents : - Exhibit XXXX XXXX XXXX  letter dated XX/XX/XXXX - Exhibit XXXX XXXX XXXX letter dated XX/XX/XXXX - Exhibit XXXX XXXX  CFPB email dated XX/XX/XXXX This situation is actively harming my ability to secure financing. I respectfully request that : 1. CFPB reopen and escalate the matter with XXXX, 2. XXXX be instructed to provide official confirmation directly to CFPB and CRAs, 3. A corrective update be submitted to Equifax immediately. 

I would appreciate your urgent assistance in ensuring this is fully resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
In XXXX, my mortgage servicer paid my annual property taxes on my behalf and then established an escrow account, even though I previously paid property taxes directly. This action created an escrow shortage of approximately {$9400.00}, which the servicer chose to recover over 12 months. 

As a result, my monthly mortgage payment increased suddenly from approximately {$2700.00} to approximately {$4000.00}, an increase of over {$1300.00} per month. This increase was caused entirely by escrow restructuring and a servicer tax advance, not by a change in my income, employment, or long-term ability to pay. 

After receiving notice of the payment increase, I contacted the servicer in writing and requested a formal escrow analysis and clarification of how the escrow shortage was calculated and recovered. I also submitted a hardship application explaining that the sudden escrow payment shock created a temporary but severe cash-flow disruption. 

The servicer provided an escrow analysis confirming the shortage amount and that it was being recovered over 12 months. I then requested, in writing, that the escrow shortage be re-spread over a longer period ( such as 2460 months ) to reduce the payment shock and prevent unnecessary delinquency. 

The servicer refused in writing, stating only that it was unable to change the repayment period, without citing any legal, contractual, or investor-based restriction and without disputing the hardship, the escrow math, or the source of the shortage. 

My property taxes are now current, and my homeowners insurance is paid out of pocket and not escrowed. I am not disputing the existence of the escrow shortage. My concern is that the servicers refusal to consider alternative recovery terms has made the loan temporarily unsustainable and increased default risk solely due to servicing decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/year>XXXX  I was trying to Transfer some funds to my Business checking Account at Navy Federal Credit union,,, It Kept Returning back to me and saying unable to Transfer.... So I decided to call Navy Federal to find out what was happening... And Navy Federal Decided once again to closed my business bank account because I had a Previous balance on a Credit card and it closed out....... THIS BANK has clearly Discriminate against me from Taking Funds out of my Account without my Knowledge to Closing my Bank account without any Notification, INVOLUNTARY ACCOUNT CLOSURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Wildhorse Financial Services, LLC
State: TX

Complaint narrative:
I followed a link from XXXX on XX/XX/year>XXXX  to check my auto loan refinance rates at Gravity Lending. I never clicked apply for a loan, I just wanted to see the potential APR. I went through the questions, Did not consent to SMS, did not supply my ssn and never authorized a credit pull. Today, I got a hard credit pull on my account and a text that I was approved for an application I do not want and did not authorize. I have sent several emails and they refuse to communicate except by text, which I blocked at the first one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and potential violations on my credit reports with TransUnion and Experian. Both reports list a hard inquiry from XXXX XXXX dated XX/XX/year>, which I did not authorize, provide consent for, or initiate, potentially violating FCRA 604 ( a ), 605 ( a ), 605, and 611 regarding permissible purpose, reporting limits, and disputing inaccurate information. Additionally, both reports include a collection account from Credence RM with AT & T as the original creditor and a balance of {$1500.00}, which has not been properly validated as required under FDCPA 807, 808, 809 and may be inaccurately reported in violation of FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 611, and 609 ( a ) ( 1 ). These inaccuracies have negatively impacted my credit and caused undue stress.

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 2025-12-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Citi Removal of Invalid Credit Entry Not Reflected in CFPB File Urgent Follow-Up XX/XX/XXXX Dear CFPB Representative, I am writing to urgently follow up on my complaint against Citibank , N.A . regarding a derogatory entry tied to a 12-digit credit card number that was never valid. 

On XX/XX/XXXX, and again on XX/XX/XXXX, Citibank confirmed to both me and the CFPB that they had removed this erroneous item from all consumer reporting agencies ( CRAs ), including XXXX  The XXXX letter reiterates this, with an enclosure, confirming deletion. 
However, on XX/XX/XXXX, your office emailed me stating that no such confirmation had been received from Citi. Furthermore, as of today, XXXX still has my credit file frozen due to this same unresolved derogatory entry, as confirmed by my lender. 

I am attaching the following documents : - Exhibit XXXX XXXX Citis letter dated XX/XX/XXXX - Exhibit XXXX  : Citis letter dated XX/XX/XXXX - Exhibit XXXX : CFPB email dated XX/XX/XXXX This situation is actively harming my ability to secure financing. I respectfully request that : 1. CFPB reopen and escalate the matter with Citibank, 2. Citi be instructed to provide official confirmation directly to CFPB and CRAs, 3. A corrective update be submitted to Equifax immediately.

I would appreciate your urgent assistance in ensuring this is fully resolved. 

Sincerely, XXXXXXXX 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 2025-12-27 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:
I discovered fraudulent 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 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am filing a complaint against XXXX ( PayPal , Inc. ) regarding an unresolved debit card expiration and activation issue that has restricted my access to my own funds since XX/XX/scrub>XXXX XXXX

My XXXX debit card expired in XXXX XXXX XXXX indicated a replacement would be sent automatically, but I never received it. I therefore manually requested a replacement card in XXXX XXXX I received that card and attempted activation as instructed ; however, XXXX system fails to recognize the updated expiration date, rendering the card unusable. 

Since XXXX, I have contacted XXXX customer support multiple times across multiple days, and every representative has provided the same scripted response, stating : Our engineers are aware of the issue and are working on a fix. 

This statement has been copied and pasted verbatim by each representative. 
No representative has been able to provide : A timeline for resolution A case escalation path A supervisor capable of resolving the issue A temporary workaround that restores access to my funds When I asked for clarification, escalation, or a timeline, customer service repeatedly stated that no estimated time of resolution is available, and that I should check back periodically. This has been the only response offered, despite the issue remaining unresolved for over a month. 

XXXX has also : Refused to expedite a replacement debit card Refused to issue a virtual card unless yet another physical card is ordered Required me to pay a fee to transfer my own funds instantly, despite the fact that XXXX system failure is the reason I can not access my money normally There are no fraud flags, account restrictions, or compliance holds on my account. The inability to access funds is solely the result of XXXX internal system failure and refusal to provide a meaningful resolution. 

Being repeatedly told that engineers are aware and working on it without a timeline, escalation path, or interim solution has effectively left me locked out of my own funds for an extended period of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
I am a homeowner in a XXXX XXXX and my account was referred to Lueder, Larkin & Hunter, LLC for collections. I have repeatedly disputed portions of the alleged balance and requested validation of several unexplained charges, including over {$2300.00} in XXXX XXXX, administrative / processing fees, and unclear application of payments I have made since XXXX. 
Despite multiple written requests, I was never provided a full itemized accounting or governing document citation explaining these fees. 
On XX/XX/XXXX, the HOA Board approved my request for a special assessment payment plan, but the Association and management company never issued a written agreement, monthly installment schedule, or payment instructions. Because no agreement was ever provided, the account later advanced to collections and lien status. 
I have continued to make payments toward regular assessments and have submitted multiple good-faith payment plan proposals. I also contacted the HOA Board directly and requested review and resolution.

However, on XX/XX/XXXX, a lien was filed against my property, and on XX/XX/XXXX, I received a formal foreclosure warning letter threatening judicial foreclosure unless full payment is made within 30 days even though my dispute and validation requests remain unresolved and a payment plan proposal is still pending. 
I believe the law firm is : continuing collection activity while the debt is still under dispute, refusing to provide full validation of charges, and pursuing foreclosure despite an active good-faith effort to resolve the account. 


I am requesting CFPB review and assistance to ensure : Full validation and itemized accounting is provided Unverified or improperly applied fees are corrected Foreclosure activity is paused while resolution efforts are ongoing I am not refusing to pay I am trying to resolve the verified balance fairly and prevent unnecessary legal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: StellarFinance, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Re : Supplemental Demand Ongoing System Outage Causing Inaccurate Late Payment Reporting Creditor : Stellar Finance Inc Account Type : Line of Credit Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Reporting : XXXX SUPPLEMENTAL STATEMENT ONGOING SYSTEM FAILURE This letter supplements my prior CFPB submission and is submitted to clarify that the creditors payment systems remain nonfunctional to this day. 

As of the date of this submission : Stellar Finance Incs mobile application is still down Stellar Finance Incs website/browser payment portal is still down There remains no reasonable, direct, or automated method to submit payment The creditor has not cured the outage nor provided a permanent alternative payment method Late-payment reporting is therefore continuing to accrue solely due to creditor failure This is not a past, isolated incident it is an ongoing operational failure.

The creditors app and website payment systems have been down for approximately one year and remain down No functional payment portal exists as of this filing I was forced to initiate contact by email to obtain a temporary third-party payment link I acknowledge the debt and intended to pay timely The creditors system failure made timely payment impossible Despite this, the creditor continues to report late payments to Experian These late payments are factually inaccurate and legally impermissible.

FEDERAL LAW VIOLATIONS ( ONGOING ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy by reporting delinquencies caused by creditor system outages.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly furnishing information that is inaccurate. 

15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate disputes involving system failures.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Inaccurate information must be corrected or deleted.

CFPB UDAAP ( Heightened Severity ) 12 U.S.C. 5531 & 5536 Stellar Finance Inc is engaging in ongoing Unfair, Deceptive, and Abusive Acts or Practices by : Operating without a functional payment system Failing to provide reasonable payment alternatives Continuing to assess and report delinquencies Penalizing consumers for creditor-caused impossibility This constitutes continuing harm, not a historical issue.

Company response to consumer: Closed with explanation