vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
We had a surplus of {$670.00} in our escrow account. A check was issued on XX/XX/year> but the check was never cashed. By the time we realized there was a surplus check, the XXXX  days to cash it had passed. In XXXXXXXX XXXX XXXX I called the mortgage company to ask them to re-issue the check. I have called numerous times and was assured a check would be re-issued yet it has now been five months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
XXXX XXXX received an online application for a XXXX XXXX XXXX in my name on XX/XX/XXXX. I reported it as fraudulent on XX/XX/XXXX. After investigation, they accepted your fraud claim, closed the account ( ending in XXXX ), and sent me a confirmation letter on XX/XX/XXXX. However, im still waiting for the fraudulent account to be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
This complaint is on us bank. 
They are promoting promos to sign up with the bank that they aren't honoring. 
I signed up online with U.S bank thru the advertisement offering a bonus after XXXX  days with the XXXX XXXX account. Since i signed up XX/XX/XXXX XXXX. I've been getting know where asking about that promotion. Called multiple times in the last XXXX XXXX  even talked to someone in marketing sales. Never got any clarity on the terms in conditions like I asked. I've reached out over XXXX times in the last XXXX XXXX no answer. " XXXX  i spoke with someone and they told me I did not qualify because of my account going in negative for a day, but never charged me a fee. I feel like they gave me the run around for XXXX XXXX and then decided to come with this just not to pay the promo bonus. 
All of the reviews on this particular promo customers are saying they aren't honoring it the promo. Hundreds of people are reporting this. They should get in trouble for false advertisement.

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 2025-04-23 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: NY

Complaint narrative:
I am filing this complaint regarding a collection account that was previously disputed and successfully removed from my credit report. The same account has since been reinserted by [ Experian/Equifax ] XXXX yet I was not notified in writing within five business days of the reinsertion, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

According to FCRA, if a disputed item is reinserted, the credit bureau is legally obligated to notify me in writing and provide the name and contact information of the furnisher who certified the reinsertion. This did not occur.

Furthermore, TransUnion permanently deleted this same account following a CFPB complaint, reinforcing that the account is unverifiable or inaccurate.

I am requesting immediate and permanent removal of this account from my [ Experian/Equifax ] credit file, and written documentation verifying the reinsertion process and compliance with FCRA. 
If no such proof can be provided, the account must be deleted permanently from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SCS is the debt collector. 
Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The provider was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They need to send this back to XXXX XXXX XXXX XXXX XXXX XXXX is horrible. They routinely do not timely bill or not at all. They routine will bill at wrong address despite other provider billing the correct address. In this case they had the wrong address, Phone number ( my daughters ) and wrong patient. This is not an isolated situation. XXXXXXXX XXXX XXXX  put them up for review based on how poor they are with their billing practices. They do not even answer the phone if a patient calls in to ask for assistance. They have automated the billing process with no human interaction. The XXXX XXXX XXXX patient advocate could not get a person on the phone. That is why they put them up for review. I want the collection agency to return these accounts immediately to XXXX XXXX XXXX. They violate the Texas medical billing law. I would like the collection agency to respond in writing to me the accounts have been returned to XXXX XXXX XXXX. I want these accounts immediately written off by XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, when I was reviewing the transactions of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I discovered BMO Bank N.A . unilaterally cancelled my credit card without my prior knowledge, and without any reason provided other than BMO was entitled to close my account. BMO Bank N.A . acquired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX before my review. 

By the closing of my credit card, I owe BMO {$8.00} credit card debt. BMO owes me {$7.00} credit card rewards. Any reasonable person would agree that the rewards would be able to be redeemed by me upon the conclusion of the relationship between BMO and I, and given it was BMO 's decision to end the relationship. But BMO forbids me from redeeming my rewards, while demands me to repay my debt. In other words, BMO refuses to pay its debt owed to me, but demands me to pays my debt owed to it. 

BMO is a XXXX XXXX. 

At least XXXX other American consumers have reached out to me on XXXX complaining about the same experience.

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 2025-04-23 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: Experian Information Solutions Inc.
State: OH

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 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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Disputed this information with XXXX  and equifax and it is still reporting on my credit report. The company name is portfolio recovery the amount is for XXXX .According to the law if a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communication. They have violate my rights by in lawful communication. Please remove this collection off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Im requesting that all fraudulent, and derogatory information on my credit report be removed, deleted, blocked from my credit report per the FCRA..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
Im reaching out because my credit report shows personal information that isnt accurate, which has led to unfamiliar and incorrect accounts being linked and mixed to my profile. This is not an error on my partmy report clearly includes mixed or merged data that doesnt belong to me. Ive noticed multiple accounts and transactions that I have no association with, and its causing serious distress. This situation is impacting my peace of mind and financial credibility.

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 2025-04-23 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: SC

Complaint narrative:
I am a victim of identity theft my identity was stolen. There are several loans and credit cards opened by someone. Ive never gave anyone access to my credit or social. Furthermore never gave anyone permission or authorization to open these accounts

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 2025-04-23 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: SC

Complaint narrative:
I am a victim of identity theft my identity was stolen. There are several loans and credit cards opened by someone. Ive never gave anyone access to my credit or social. Furthermore never gave anyone permission or authorization to open these accounts

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent a certified cease and desist letter to a debt collection agency requesting that they stop all communication with me, as is my right under the Fair Debt Collection Practices Act ( XXXX  ), specifically under XXXX XXXX Code XXXX ( c ). 

Despite confirming receipt of the letter, the agency continued to contact me by phone on XXXX separate occasions after that date. This is a direct violation of federal law. 

I have kept records of each illegal call, including dates and times. I also have a copy of the certified mail receipt and am recording calls as allowed by Georgias one-party consent law. 

I am seeking statutory damages of {$4000.00} ( {$1000.00} per violation ), plus attorney fees and any actual damages that XXXX apply due to the stress and harassment caused by this unlawful conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
XXXX XXXX received an online application for a XXXX XXXX XXXX in my name on XX/XX/XXXX. I reported it as fraudulent on XX/XX/XXXX. After investigation, they accepted your fraud claim, closed the account ( ending in XXXX ), and sent me a confirmation letter on XX/XX/XXXX. However, im still waiting for the fraudulent account to be removed from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
Ive call all 3 credit bureaus to notify them that all debt on my credit report has been paid off instead of deleting my credit score dropped over XXXX points for each report and the collection debt hasnt been updated to 0 for the 4 to 5 reports on my credit they stated it would only take a few days for the report to be updated because I had already disputed but nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
Ive call all 3 credit bureaus to notify them that all debt on my credit report has been paid off instead of deleting my credit score dropped over XXXX points for each report and the collection debt hasnt been updated to 0 for the 4 to 5 reports on my credit they stated it would only take a few days for the report to be updated because I had already disputed but nothing has changed

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 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
There has been unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: UT

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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