vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
FDIC Complaint - Account Management and Processing Errors I am filing this complaint against XXXX Leaf [ Financial Institution ] regarding systematic mismanagement of my loan account, originally established with Bethpage Federal Credit Union at 5.5 % fixed rate for 10 years. 

Summary of Violations : XXXX. Contractual Disputes : XXXX XXXX refuses to honor the original loan terms of 5.5 % for the initial $ XXXX and 7.5 % for additional borrowing, despite documented proof from closing papers and account statements. 
XXXX. XXXX XXXX Failures : The institution claims failed payments while simultaneously debiting my account via autopay. On XX/XX/XXXX, they deducted {$1300.00} but falsely reported non-payment and assessed late fees. 
XXXX. Account Statement Violations : No monthly statement provided for XX/XX/XXXX, violating disclosure requirements. 
XXXX. Customer Service Breakdown : Representatives provide contradictory information on each contact, demonstrating either inadequate training or deliberate obstruction. 
XXXX. Unresponsive Management : Requests for supervisory callbacks through their portal system are ignored resulting in an endless loop of ineffective customer service contacts.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX  - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that EXPERIAN complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I should not have to chase down errors like this, yet unauthorized accounts keep showing up under my name. I never opened or approved these accounts, and I was never informed they were added. The reporting across bureaus is inconsistent and clearly inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S.C. 1681c-2 ( FCRA ) Requires consumer reporting agencies to block and delete fraudulent information within 4 business days once notified. A police report is NOT required ; my affidavit, ID, and proof of address are sufficient. 2. 15 U.S.C.

1681b Limits permissible purposes for accessing my credit file. These inquiries were unauthorized, therefore unlawful. 3. 15 U.S.C. 1681s-2 Prohibits furnishers from reporting inaccurate or fraudulent information. These creditors must immediately cease furnishing false data. Be advised : The statute does not require a police report in order to exercise my rights under 1681c-2. My affidavit and identification are sufficient. 
I WANT

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 2025-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Supplemental Evidence Exhibit XXXX : Mr. Coopers response to my XX/XX/XXXXXXXX  dispute letter ( delivered XX/XX/XXXX ). They issued two contradictory payoff quotes and failed to substantively address false credit reporting or my RESPA claims. I am a XXXX XXXX XXXXXXXX veteran and lost my tax exemption due to a deed error, which led to escrow mismanagement, inflated payments, foreclosure threats, and false credit reporting ( now showing 9 late payments despite timely payments ). Their deficient response and continued negative reporting violate RESPA and FCRA, consistent with CFPBs XXXX enforcement against Nationstar/Mr. Cooper. I request urgent investigation, correction of my mortgage account, restoration of my tax exemption, removal of false credit reporting, and halt of foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The company was auto calling me from unknown numbers through the months of XXXX XXXX XXXX along with calling my husband and my father and saying my lawyer needs to call them which seems extremely threatening. I was getting anywhere from 10-15 phone calls a day. I finally agreed to be placed on an autopay agreement for 12 months and told them to stop calling my family. They stopped auto drafting from my account randomly and I cant get ahold of them. I do still have the voicemail saved that they left my father.

I would like to add, this company wouldnt allow me to login to the website due to technical errors and my payment was always late due to this issue ( very common issue all over the place online for a lot of people ) and I told him I wasnt paying late fees. 

This is Comenity bank and their practices of debt collecting are absolutely horrendous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to follow up on my previously submitted dispute concerning an inaccurate late payment notation reported by XXXX XXXX XXXX and listed on my credit reports from Experian, TransUnion, Equifax. 

Despite my initial efforts to dispute this information directly with the credit bureaus, the issue remains unresolved, and I believe my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have not been properly upheld. The bureaus have failed to provide me with adequate verification or documentation substantiating the alleged late payment.

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 2025-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: UT

Complaint narrative:
This morning I spoke with XXXX at Rent Recovery Solutions about setting up a payment plan to start paying off the debt I owe and that I would need a confirmation of the payment plan in writing before I set any kind of payment up and was advised by XXXX that she and this company do not provide anything in writing unless its a payoff letter. When I advised the agent XXXX that it was a law the FDCPA that requires them to provide this, she advised me that they do not provide anything in writing and that was their company policy so therefore she was not going to provide anything. Therefore violating my rights. I want this to be addressed and for these people to be held accountable! They are trying to practice some very questionable ways of collecting money and I am not XXXX to play with. I will be holding them accountable to the fullest degree of the law : )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Unknown accounts reporting on my XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete this account from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize XXXX ( XXXX XXXX XXXX XXXX ) or any other company to run my credit. XXXX  XXXX has been repeatedly pulling my credit through other companies months after I purchased a vehicle from them. Any inquiries made after XXXX when I specifically told them to only check my bank XXXX XXXX XXXX not other companies, XXXX   were unauthorized, constitute improper use of my personal information, and may fall under unfair or deceptive practices. 

These repeated credit pulls by XXXX  XXXX are damaging my credit profile and were done without my consent. I request that these unauthorized inquiries be removed from my credit report immediately. If this issue is not resolved, I will have to escalate further, including filing reports with the DMV and other regulatory bodies. 

Legal Support : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company must have a permissible purpose and your consent to pull your credit.

Pulling your credit without consent is a violation of the FCRA and is considered an unauthorized inquiry. 
CFPB has jurisdiction over both XXXX  XXXX practices and the credit reporting agencies to ensure unauthorized inquiries are removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A Target card was opened in my name in XXXX and {$510.00} cents charged. I received a bill in XXXX. I have called Target to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: IL

Complaint narrative:
Subject : Formal Dispute Deletion of XXXX  Account Creditor : XXXX XXXX Address Listed : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Account Number ( last 4 ) : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1700.00} High Credit : {$10000.00} Status : Charged Off / Closed by XXXX XXXX Date of Last Payment : XX/XX/XXXXXXXX  Dear [ Equifax/Experian ] Consumer Relations Department, I am writing to dispute the following inaccurate and fraudulent account currently listed on my credit report : Creditor : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Account Status : Previously reported on my credit file On XX/XX/XXXX, I successfully disputed this account with XXXX, and their investigation confirmed that this account was inaccurate and should not have been reported. The item has been DELETED from my XXXX  credit file ( see enclosed copy of my TransUnion dispute results ). 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that Equifax/Experian promptly investigate and delete this same XXXX account from my credit report, as it has already been verified as inaccurate and removed by another national credit bureau .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-09-05 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: AR

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to follow up on my previously submitted dispute concerning an inaccurate late payment notation reported by XXXX XXXX XXXX and listed on my credit reports from Experian, TransUnion, Equifax. 

Despite my initial efforts to dispute this information directly with the credit bureaus, the issue remains unresolved, and I believe my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have not been properly upheld. The bureaus have failed to provide me with adequate verification or documentation substantiating the alleged late payment.

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 2025-09-05 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: GA

Complaint narrative:
I am writing to follow up on my previously submitted dispute concerning an inaccurate late payment notation reported by XXXX XXXX XXXX and listed on my credit reports from Experian, TransUnion, Equifax. 

Despite my initial efforts to dispute this information directly with the credit bureaus, the issue remains unresolved, and I believe my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have not been properly upheld. The bureaus have failed to provide me with adequate verification or documentation substantiating the alleged late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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