vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I submitted a complaint to the CFPB regarding my XXXX Loan account reported by the XXXX XXXX XXXX XXXX. In their response, the Department stated that my loan was in default, that a Treasury offset of {$4600.00} was applied on XX/XX/year>, and that a remaining balance of {$790.00} is still due. They also stated that they mailed me a copy of my promissory note. 

The problem is that the reporting of this account is inaccurate and inconsistent. On Experian and Equifax this account is listed as Closed, yet it is still reported as a Collection Account with a past due balance. This creates a misleading and false impression of an actively delinquent account. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) and 15 USC 1681i ), credit reporting must be accurate and consistent across all credit bureaus.

The Department provided only a copy of a promissory note, not original documentation or chain of assignment proving their lawful authority to continue reporting this account in its current status. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am entitled to full and clear verification, not just computer-generated reproductions.

The current reporting is harming my credit, blocking access to financial opportunities, and does not meet the accuracy and reinvestigation standards required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: eMortgage Funding LLC
State: FL

Complaint narrative:
CFPB Complaint Synopsis eMortgage Funding LLC ( NMLS # XXXX ) I am filing a complaint against eMortgage Funding LLC and loan XXXX XXXX [ last name unknown ], supervised by XXXX XXXX ( NMLS # XXXX ). 

Summary of Issues : Unauthorized Credit Inquiry My credit was pulled without my written authorization, a direct violation of the Fair Credit Reporting Act ( FCRA 604 ).

Improper Handling of Sensitive Personal Information I was instructed to text my Social Security number and drivers license.

I was told to email tax returns and a mortgage statement through unsecured email.

These are violations of federal privacy standards under the GrammLeachBliley Act ( GLBA ) and CFPB guidance on consumer data protection.

Predatory Loan Structuring and Misrepresentation I currently have a mortgage at 3.3 %. I was offered a refinance at 6.375 %, nearly double my current rate. 

The proposed loan rolled a short-term auto loan ( {$39000.00} balance ) into a 30-year mortgage, dramatically increasing total lifetime interest paid.

Closing costs were nearly {$40000.00} ( over 12 % of the loan balance ), including {$17000.00} in points.

Marketing claims such as skipping two payments and escrow refund were presented in a misleading manner, designed to obscure the true cost of the refinance. 

Pattern of Non-Compliance by This Lender On XX/XX/year>, the Michigan Department of Insurance and Financial Services ( DIFS ) issued a Notice of Opportunity to Show Compliance against eMortgage Funding LLC ( FL-0022848 ) for violations of the MBLSLA and Regulation Z ( 12 C.F.R. 1026.19 ( e ), 1026.37, 1026.25 ( c ) ( 2 ) ).

The behavior I experienced appears to be part of a continuing pattern of misconduct.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-26 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: LA

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 an 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 2025-08-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I was trying to purchase my dream home for me and my family until I realized that I had damages on my report. According to 15 U.S.C 1681 law there should not be any damages on my report which is a deformation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-27 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 2025-08-27 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 2025-08-26 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: NJ

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I sent my XXXX letter of verification of my identity. Well lo and behold this time, it was returned to me, even though i sent it to the address on their website. Please hold these people accountable. They have not sent me their method of verification on how they was able to obtain my personal identifying information but inaccurate XXXX  filing information especially when the XXXX  do not report to credit bureau companies. Make them accountable and stop allowing them to play games with our lives. I am attached proof of the returned envelope with their correct address and DEMANDING THEY REMOVE THIS XXXX  FROM MY CREDIT REPORT. IT'S BEEN MORE THAN XXXX XXXX OF THEIR GAMES. PLEASEEEEE DO SOMETHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am disputing the accuracy and completeness of the account Barclays Bank Delaware is reporting to the credit bureaus ( Account # XXXX, Balance {$3300.00}, Date Opened XX/XX/year> ). The reported late payments and derogatory information are unsubstantiated, and no documentation has been provided to verify these claims. The account appears inconsistent with XXXX XXXX standards, raising serious concerns about its accuracy and completeness. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 623 ( a ), I request full disclosure of the verification procedures used, the names, addresses, and phone numbers of any furnishers contacted, and copies of all documents relied upon to verify this 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 2025-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX, I was charged {$3200.00} for a five-night Premium All Inclusive at XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX using my Capital One credit card. The experience was falsely advertised, and we suffered XXXX XXXX XXXX during our stay. 
From the first day, the hotel failed to meet key advertised standards : no lifeguards on duty despite dangerous waves and a child-friendly promotion, no white sand beach ( it was gravel and unsafe ), no working infinity pool, and the hotel was nearly XXXX minutes from the advertised town ( XXXX ). The buffet lacked variety and was not up to the standard of a " premium all-inclusive '' experience. 

The worst part happened after we ate from the hotels beach bar on XX/XX/XXXX, the next day after our check in. Within a short time, myself, my husband, and my XXXX son began XXXX XXXXsimultaneously. Over the next hours, we XXXX repeatedly, could not hold water or medicine down, and developed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We requested XXXX XXXX and were taken by ambulance to a hospital an hour away in XXXX, where we were treated with XXXX XXXX XXXX XXXX for over XXXX hours. The next day, still XXXX XXXX, we were transferred to another hospital in XXXX by ambulance, where we remained on XXXX XXXX XXXX XXXX. 

We provided Capital One with hospital records, receipts, and detailed explanations, but the dispute was denied solely because we stayed at the hotel. We had no choice but to stay, given we were XXXX XXXX and without alternative arrangements and also we weren't coming to an agreement with the hotel to let us go in exchange for a refund. Also we were advised that leaving would lower our chances for a claim for unsatisfactory service and not delivering of goods, services and the experience promised. We were unable to enjoy the services & goods we paid for, and the XXXX  affected us for weeks after returning home. 

I am requesting a reconsideration and full refund based on failure to deliver promised services, XXXX XXXX XXXX, and deceptive advertising. Capital One did not adequately consider the XXXX  and legal merit of our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have always made my payments promptly, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: OR

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
Subject : Dispute with Bank of America Denied Chargeback for Undelivered Service Description : I am filing a complaint against Bank of America regarding their denial of my credit card dispute. 

On XX/XX/year>, I paid {$160.00} with my Bank of America credit card ( ending in XXXX ) to purchase an online English listening course from a seller called XXXX XXXX XXXX XXXX. 

The seller promised that the official course would begin on XX/XX/year>. However, I never received any course access, login information, or class materials. 

When I asked for a refund in the sellers official XXXX XXXX, they admitted that I never attended any classes. Despite this, they refused to provide a refund and even removed me from the group. 

I filed a dispute with Bank of America ( Claim number : XXXX ). On XX/XX/year>, BOA closed the case and denied my claim, stating they could not confirm that what I received was different from what I purchased. 

This is inaccurate, because I received nothing at all for the payment. The service I paid for was never delivered. 

What I am requesting : I respectfully request CFPBs assistance in requiring Bank of America to reconsider my case. 
I am asking for a full refund of {$160.00}, as this is a clear case of service not provided. 

Evidence available : Credit card transaction record. 

Screenshots of sellers admission in XXXX that I never attended the course. 

Screenshots showing the sellers refusal to refund and removal of me from the group. 

The course advertisement showing the promised start date ( XX/XX/XXXX ). 

The denial letter from Bank of America dated XX/XX/year>. 

Thank you for your assistance.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

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