vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: KY

Complaint narrative:
In XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX reported my account 30 days late even though the bank has acknowledged the missed payment was caused by its own system error. After an investigation, the bank confirmed it was a system error on their side. They refunded all late fees and interest. 

Despite acknowledging fault and reversing charges, the bank refuses to correct its credit reporting for XX/XX/year>, and continues to furnish a XXXX late to [ XXXX/TransUnion ]. This inaccurate reporting caused my XXXX XXXX to drop by about XXXX points and has harmed me in trying to get an appropriate mortgage rate. I have an otherwise on-time, perfect payment history. 

What XXXX asking for : XXXXXXXX XXXX XXXX XXXX XXXX XXXXe the XX/XX/year> XXXX late entry with all credit bureaus and send updated data.

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 2025-09-09 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:
b'Notice of dispute letter was sent out USPS CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am formally demanding the removal of all student loan accounts you are currently reporting on my XXXX  credit file. These entries stem from my protected education records and were disclosed without my consent, in direct violation of the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C.  1232g(b), and the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681b, 1681c, 1681e(b), 1681s-2(a).\nYou do not have my written consent to obtain or disclose my personally identifiable education records. These accounts, including but not limited to those listed below, must be permanently removedXXXX XXXX XXXX XXXX XXXX XXXXnder FERPA, disclosure of student loan data without consent is unlawful. Under FCRA, you are reporting private, inaccurate, and unauthorized information without a permissible purpose (15 U.S.C.  1681b). You are also failing your duty to ensure maximum possible accuracy (15 U.S.C.  1681e(b)) and to delete unverifiable data (15 U.S.C.  1681i).\nThis unauthorized reporting has materially harmed me by damaging my credit profile, limiting access to financing, and causing significant emotional and financial distress. If this information is not removed within 14 calendar days, I will proceed to seek all available remedies, including but not limited to:\n\nFiling complaints with the CFPB, FTC, XXXX, State Attorney General, and Department of Educations Inspector General\n\nInitiating legal action or arbitration for violations under FERPA, FCRA, FDCPA, and TILA, with claims for actual, statutory, and equitable damages under 15 U.S.C.  1681n, 1681o'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern : I am writing to file a formal complaint against Mr. Cooper ( Nationstar Mortgage ) regarding unfair and deceptive practices related to a request for a partial release payoff statement on my mortgage loan, account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I contacted Mr. Cooper to request a partial release payoff statement for a portion of my property as part of the mortgage agreement. I was initially told there would be a fee of {$250.00} for this service. Later, I was informed that an additional {$750.00} fee had been added, bringing the total administrative charge to {$1000.00}, in addition to the standard prepayment penalty ( 2 % of principal ) outlined in my mortgage agreement. This total fee of {$1000.00} is exorbitant and appears to be in violation of the mortgage servicers legal obligations to provide accurate and timely information. This fee was presented as a mandatory requirement to obtain the necessary document, placing an undue financial burden on me, the consumer. 

Furthermore, Mr. Cooper 's representative stated that in addition to the excessive fee, I would need to provide a current survey and a current appraisal of the property. They waived this during a lengthy phone call. These requirements are excessive and unnecessary to generate a simple payoff statement. They add significant time and cost to the process, effectively creating a barrier to a standard servicing request. These demands appear to be a tactic to make the process difficult and costly, which is a clear violation of fair and ethical business practices. 

My goal is to obtain the partial release payoff statement as required. However, the excessive fee and the unnecessary documentation demands have made this process impossible. 

I am requesting that the CFPB investigate these practices. I believe Mr. Cooper should be directed to : Provide the requested partial release payoff statement without charging the unreasonable {$1000.00} fee or imposing unnecessary documentation requirements such as a current survey and appraisal. 

Waive the {$1000.00} fee as it is unfair and does not apply to the administrative costs of a partial release. 

I have attached all relevant correspondence and documents for your review. Please contact me if you require any additional information. 

Thank you for your time and attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Based on the FCRA I requested debt validation as I reported this incident as identity theft the company failed to comply. A police report was filed however the account is still negatively affecting my 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 explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
Category : Credit reporting / XXXX XXXX XXXX Company : Experian Information Solutions , Inc. AND XXXX ( XXXX XXXX XXXX servicer ) Problem : Inaccurate credit reporting / Failure to correct despite proof Complaint : I am filing this complaint against Experian and XXXX regarding inaccurate reporting of my federal student loans. 
Timeline of Events Prior to XX/XX/year> My XXXX XXXX had been reported as delinquent ( up to 120 days late ). 


XX/XX/year> I submitted and was approved for backdated forbearance. This should have eliminated the delinquency months. 


XX/XX/year> I was approved for an Income-Driven Repayment ( XXXX ) plan ( PAYE ), effective XX/XX/year>, with a $ 0 monthly payment. 


XX/XX/year> XXXX issued an official letter confirming my loans are in good standing and not in default. 


Despite this, Experian continues to report XXXX lates for XXXX and XX/XX/year> across multiple student loan accounts. 


First dispute ( XX/XX/year> ) : I disputed these inaccuracies with Experian. The account came back as verified. 


Second dispute ( XX/XX/year> ) : I disputed again, attaching my Aidvantage letters. Instead of correcting, Experian came back verified again and added another XXXX late, worsening my report. 


This is both inaccurate and retaliatory, as XXXX own documentation confirms my loans are current and in good standing. 


Violations XXXX has violated FCRA 623 ( a ) ( 1 ) by furnishing inaccurate late payment data when their own records show my account is current.

Experian has violated FCRA 1681i by failing to conduct a reasonable reinvestigation, and instead marking my account as verified twice even adding another XXXX late during my dispute. 


This reporting directly contradicts XXXX official letters. 


Requested Resolution I am requesting that : The XXXX and XX/XX/year> XXXX late marks be deleted. 


My accounts be corrected to reflect current / good standing, consistent with XXXX official letters and my approved repayment plan. 


A written confirmation of correction be provided. 


Supporting Documentation I am attaching : XXXX  letters dated XX/XX/XXXX & XXXX, XXXX  confirming good standing and IDR approval. 


My Experian credit report showing the 90-day lates.

Proof of my disputes to Experian and their verified responses.

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 2025-09-09 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: CA

Complaint narrative:
For over five months, I have been disputing two accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX, which is a joint account I am not a party to, and XXXXXXXX XXXX XXXX XXXXccount number XXXX, of which I have no knowledge. I previously filed an FTC Identity Theft Report and submitted multiple dispute letters with a notarized affidavit affirming that these accounts are fraudulent and do not belong to me. Despite this, the credit reporting agencies continue to report these accounts. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. Additionally, 15 U.S.C. 1681e ( b ) requires that they ensure maximum possible accuracy of all reported information, which is not being upheld in this case. By continuing to report false and unverified accounts, they are knowingly allowing inaccurate information to remain on my report. I have not given permission for any inaccurate, fraudulent, or joint account information to be reported under my name, and under 15 U.S.C. 1681b, no consumer reporting agency may furnish my report without a permissible purpose. I am requesting the immediate permanent removal of these two accounts from my credit file and written confirmation that they have been deleted, as continued reporting constitutes willful noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
For over five months, I have been disputing two accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX, which is a joint account I am not a party to, and XXXXXXXX XXXX XXXX XXXXccount number XXXX, of which I have no knowledge. I previously filed an FTC Identity Theft Report and submitted multiple dispute letters with a notarized affidavit affirming that these accounts are fraudulent and do not belong to me. Despite this, the credit reporting agencies continue to report these accounts. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. Additionally, 15 U.S.C. 1681e ( b ) requires that they ensure maximum possible accuracy of all reported information, which is not being upheld in this case. By continuing to report false and unverified accounts, they are knowingly allowing inaccurate information to remain on my report. I have not given permission for any inaccurate, fraudulent, or joint account information to be reported under my name, and under 15 U.S.C. 1681b, no consumer reporting agency may furnish my report without a permissible purpose. I am requesting the immediate permanent removal of these two accounts from my credit file and written confirmation that they have been deleted, as continued reporting constitutes willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
On XX/XX/2025, I noticed that TransUnion is reporting inaccurate and unverifiable accounts on my credit file. The reported account ( s ) show XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX Account # XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Acoount # XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$300.00} XXXX & XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX. XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  {$1800.00} I disputed these items directly with the bureau on XX/XX/2025 and provided notice that the information was inaccurate. Despite this, the bureau has continued to report the accounts without providing me with full validation from the furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 611, 15 USC 1681i, the bureau must conduct a reasonable reinvestigation and delete any information that can not be fully verified. Additionally, under FCRA 607 ( b ), 15 USC 1681e ( b ), they are required to maintain maximum possible accuracy in consumer reports. 

Since the accounts remain unverifiable and inaccurate, I am requesting immediate and permanent deletion of these items. The continued reporting of unverifiable information is harming my creditworthiness and is in direct violation of the FCRA.

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 2025-09-09 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
MOHELA never answers the phone nor calls me back. They are not communicating my payments correctly to XXXX XXXX XXXX. XXXX is missing. I am woefully close to XXXX payments while waiting for buyback and choking on greatly ballooned payments. XXXX needs counted. Get me XXXX month closer. Save me a grand. Since it seems my buyback is never being processed due to them.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XXXX at approx. XXXX, I called Synchrony Bank XXXX Care Credit ) at XXXX and attempted to talk to someone. I could only use automated services. I attempted to pay off my Synchrony Bank/Care Credit debt twice today. 

# 1 attempt ) I attempted to make a payment on their phone automated system using my XXXX XXXX XXXX and the system stated it would not take a payment using this type of card. I tried to get a human on the phone and was unsuccessful. 

Nowhere on the bill does it state that I can not use a XXXX XXXX XXXX to make a payment. ( SEE ATTACHED ). No where on the bill does it state that it will only accept certain types of payments. 

# 2 attempt ) I attempted to pay the debt in full today on their website, they do not give a payment option other than a personal check where they show two areas to enter a 1 ) routing number and 2 ) account number. There is no place to enter a Visa # or Debit #. ( see attached )

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA XXXX and XXXX for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I was defrauded into paying large amounts to shell companies such as XXXX XXXX XXXX XXXX and XXXX  using my Bank of America XXXX XXXX. 

On XX/XX/XXXX, a charge of {$20000.00} to XXXX XXXX XXXX XXXX posted to my XXXX  XXXX  XXXX  Cash Rewards XXXX ( XXXX ). On XX/XX/XXXX, a charge of {$830.00} posted to XXXX on the same account. Bank of America later issued dispute credits on XX/XX/XXXX, but the {$20000.00} was re-debited on XX/XX/XXXX as XXXX XXXX. 

On XX/XX/XXXX, charges of {$10000.00} and {$5000.00} to XXXX XXXX XXXX XXXX posted on my XXXX XXXX XXXX card ( XXXX ). Bank of America credited these on XX/XX/XXXX, then re-debited the same amounts on XX/XX/XXXX. 

On XX/XX/XXXX, a {$5000.00} charge to XXXX XXXX XXXX XXXX posted on my XXXX  XXXX  XXXX  card ( XXXX, later reissued as XXXX ). On XX/XX/XXXX, the statement shows a {$5000.00} credit and a same-day reversal, leaving me with no permanent credit. 

In all cases, these were not legitimate purchases. They were payments to fraudulent companies for promised loans and investments that never existed. I initially filed disputes incorrectly as unauthorized. The bank treated them that way, issued provisional credits, then re-debited when the merchant challenged. I am now resubmitting under the correct grounds : Services Not Provided / Misrepresentation / Refund Not Processed. 

I have invoices, XXXX agreements, text messages, and refund promises proving these were fraudulent inducements. I received no goods or services, and refunds were promised but never honored.

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 2025-09-10 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: EdFinancial Services
State: FL

Complaint narrative:
Partial claim process was initiated in a timely manner was told would not be late reporting howeverXX/XX/XXXX show late for XXXX, XXXX and XX/XX/year> In accordance with the fair credit reporting and convergent account XX/XX/XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation