vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Date : XXXX Mortgage Servicer : Fay Servicing Summary of Complaint This is a formal complaint regarding the mortgage servicer 's refusal to accept timely payments, denial of online account access, and obstruction of communication in violation of consumer protection laws and mortgage servicing standards. These actions are causing harm to the borrower, who has attempted in good faith to make her mortgage payments on time through authorized methods. Facts and XXXX of Events XXXX  XXXX : We contacted the mortgage company to gain online access to my borrowers account and to determine why her payment had been returned. This call was recorded. Payment Returned : Borrower, makes her mortgage payments through XXXX XXXX XXXX XXXX, which sends checks directly to the servicers designated third-party payment address. Her most recent payment was returned by the mortgage servicer, despite being correctly addressed. Bank Confirmation ( XXXX ) : We contacted XXXX XXXX XXXX  XXXX who confirmed : No stop payment was placed by the borrower. Therefore, the payment could only have been returned by the mortgage servicer. Address Verification : We verified the payment mailing address both : On the mortgage companys own website for third-party payments, and Directly with XXXX XXXX XXXX The address used was correct. Call to Fay Servicing XXXX XXXX ) : The servicer refused to speak with us after learning the call was being recorded. The servicer claimed we needed permission from an attorney to discuss the account on XXXX. The attorney has confirmed in writing that the case is administratively closed and that no such restriction was requested. The servicer has refused to provide online access to the mortgage account. The servicer is blocking payments from being made through normal channels. Alternative Payment Attempts : When attempting to make payment through other options provided by the servicer, the system stated payment can not be completed. Attorney Confirmation : Today, the attorney provided an email confirming borrower there is no legal barrier preventing communication with borrower. Issues of Concern / Potential Violations The mortgage servicers conduct may constitute violations of : RESPA ( Real Estate Settlement Procedures Act ) CFPB Mortgage Servicing Rules Fair Debt Collection Practices Act ( if applicable ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Specifically : Refusal to accept payments that are timely and correctly sent Returning payments without justification Blocking the borrower from accessing her online account Providing misleading or contradictory statements Refusing communication for the stated reason that the call was being recorded ( a legal right in a one-party consent state ) Attempting to impose non-existent attorney restrictions These actions put the borrower at risk of improper default, fees, and credit damage, despite acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am submitting this dispute regarding inaccurate or potentially unverifiable information appearing on my Equifax credit report. I request that Equifax conduct a full reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and correct or remove any information that can not be verified. 

XXXX Accounts in Dispute : XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Reported Balance : {$14000.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Reported Balance : {$2900.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Reported Balance : {$0.00} Late Payment Accounts in Dispute : XXXX XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX Please verify the accuracy of these accounts and ensure that all reported balances, charge-off dates, and late payments are correct. Any information that can not be fully verified should be removed from my credit file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
XXXX XXXX XXXX  Managed by Synchrony XX/XX/2025 Statement had balance of {$100.00} XX/XX/2025 missed payment date by XXXX day to pay this balance of {$100.00} XX/XX/2025 LATE FEE charged of {$40.00} a 40 % charge of the account balance. 
Called company said I would pay the balance as intend if waived LATE CHARGE as it was outrageous. Refused by Company. 
XX/XX/XXXX. 2025 Company has charges LATE FEE 's totaling {$200.00} plus accrued interest on these LATE FEE 's Have spoken to the Company 5 times over the last 5 months to pay and resolve. 
XX/XX/2025 PAID the balance of {$100.00} plus interest due of {$3.00} totaling {$100.00}. XXXX XXXX  with XXXX XXXX asking to waive all subsequent LATE FEE 's and refused. Told company to send for collections.

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 2025-11-11 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 am disputing the following items that appear to be inaccurate or outdated on my credit report : Charged Off Accounts : XXXX XXXX, Opened XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance : {$0.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
per complaint XXXX On XX/XX/year>, I downloaded my official TransUnion consumer disclosure directly from the TransUnion Online Service Center ( see attached PDF ). The report clearly lists two collection accounts reported by XXXX XXXX XXXX XXXX as a debt buyer for XXXX XXXX XXXX XXXX, with balances of {$10000.00} and {$580.00}, both marked Placed for Collection. This document is proof that XXXX  published and furnished these tradelines under my name. 

However, when I contacted XXXX Fraud Department by phone on XX/XX/XXXX and XXXX, the representative claimed she did not see these accounts in her system. This is a serious discrepancy because the data was active on my file, caused a significant credit-score drop, and was available to third parties.

This inconsistency shows that TransUnion is not maintaining accurate and complete consumer data, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ). The attached PDF is an official consumer disclosure not a third-party app screenshot and therefore serves as verifiable evidence that these fraudulent or recycled debts were published and verified without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the accuracy and completeness of the following information reported on my Experian credit report. I request that Experian conduct a full reinvestigation under the FCRA and remove or correct any information that can not be verified. 

Charged-Off Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX  Account No. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$700.00} Inquiries in Dispute : 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 XXXX XXXX XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX XXXX Account XXXX. XXXX Please verify all accounts and inquiries. Remove any unverifiable or inaccurate information from my credit 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 explanation
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
As far back as XXXX, there have been multiple fraud charges on my account to an App called XXXX XXXX on XXXX XXXX XXXX. For years I have been trying to fix this with XXXX XXXX XXXX but they have neglected the investigation. I am reaching out for help as the total refund amount totals up to XXXX usd putting me in financial distress. I lost my device in XXXX and it had XXXX XXXX on my phone. Ever since then i have had all these random charges to my XXXX Account. I should be writing this complaint to XXXX but they do not care about fraud claims. XXXX only cares about money and XXXX XXXX. 

These fraud charges have put my marriage at risk for divorce. I need serious help on this case and I need it done fast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-11 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-11 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-11 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act, I request deletion of these unrelated accounts within fifteen days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Experian continues to report fraudulent accounts on my credit profile. Just today, XXXX XXXX confirmed that this account was opened fraudulently. XXXX also states in its letter " In the meantime, feel free to use this letter with any potential creditors as proof that corrections to your credit report are pending ''. The cell phone number XXXX which appears on the report, was used fraudulently and is attached to accounts that Experian refuses to block from my credit report. Someone was able to open an account with XXXX and then attempted to port this number to that account. It was caught and prevented but they were still able to get devices on the account and incurred a debt with XXXX. This is my FINAL attempt to resolve this with Experian before filing a lawsuit.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX PST a new log-in was detected via XXXX in XXXX XXXX XXXX CA. At XXXXXXXX XXXX PST, I received an email stating that a credit card would be sent to the following address : XXXX XXXX XXXX XXXX, CA XXXX I never consented or authorized this account to be created in my name. 

I called them at XXXX EST to request that the account be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Deletion Unverified Third-Party Accounts Dear Experian Dispute Department , This is a formal reinvestigation and deletion request pursuant to FCRA 15 U.S.C. 1681i ( a ). 

Experian continues to report information from third-party debt collectors XXXX XXXX XXXX , which are unverified and unrelated to any account I have ever opened. 

I have never done business with this company. I sent each a certified Debt Validation Letter under the FDCPA ( 15 U.S.C. 1692g ) requiring legal proof of : The original creditors name The complete account number and balance details A copy of the signed agreement or charge-off statement Proof of the right to collect and report in New Jersey No collector provided any validation within 30 days. They have no legal basis to continue reporting, and your bureaus inclusion of these unverifiable items violates the accuracy and reinvestigation requirements under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 

I am demanding immediate reinvestigation and deletion of : XXXX XXXX XXXX Account # [ 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 2025-11-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 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