vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Cohn, Goldberg & Deutsch,LLC
State: DC

Complaint narrative:
I am filing a complaint regarding a reverse mortgage loan and an attempted foreclosure on my late fathers property, which is currently under active probate in theXX/XX/XXXX 

The mortgage servicer and the foreclosure attorneys initiated a foreclosure without providing any legally required notices to the Executor or heirs, and without responding to repeated requests for loan information from both our family and the Probate Auditor assigned by the XX/XX/XXXXXXXX XXXX. Instead of complying with those requests, the company transferred the loan to a different entity. 

On XX/XX/year>, a Notice of Default and Foreclosure Sale was recorded against our home ( See attached Exhibit : XXXX, pages XXXX ). The notice states that a foreclosure sale is scheduled for XX/XX/year> ; however : 1. NO MAILED NOTICE WAS PROVIDED XX/XX/XXXXVIOLATION ) We did not receive : Certified mail notice First-class mail notice Mediation notice Cure or reinstatement amount ( the notice lists N/A Full Balance Due ) This violates XXXX XXXX XXXX. 

2. PROPERTY IS UNDER ACTIVE PROBATE The property belongs to the Estate of XXXX XXXX. 
The foreclosure can not legally proceed without probate court involvement. 
The servicer knowingly ignored this. 

XXXX. THE LOAN SERVICER IGNORED VALIDATION & AUDITOR REQUESTS We requested : Original reverse mortgage documents HUD assignment chain Payment history Servicing notes Authority to foreclose None of these were provided. 

TheXX/XX/XXXXXXXX XXXX also requested the same documents, and the servicer ignored the court. 

4. HUD XX/XX/XXXXREVERSE MORTGAGE RULES WERE NOT FOLLOWED The foreclosure notice was executed without : Heir notification HUD-required timelines Proof of occupancy or death verification Proper delegation from HUD under 24 C.F.R. Part 2XXXX XXXX. DOCUMENTS WERE NOTARIZED INXX/XX/XXXX All foreclosure documents were notarized in XXXX XXXXXX/XX/XXXX, despite involvingXX/XX/XXXX real property under probate. 
This raises concerns that DC foreclosure requirements were ignored. 

6. A RELATED ESTATE FILED BANKRUPTCY Another estate connected to the title dispute filed bankruptcy in earlyXX/XX/XXXX

The servicer and foreclosure attorneys did not verify whether the automatic stay ( 11 U.S.C. 362 ) applied. 

7. NO OPPORTUNITY TO REINSTATE OR CURE The notice states N/A ( Full Balance Due ) instead of providing a reinstatement amount, which denies us the ability to cure the alleged default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted TransUnion and requested a method of verification for two collection accounts which they did not provide as per law these accounts should have been removed from my credit report. I attached a copy of the letter I sent certified mail to Transunion. 
Please remove these accounts from my credit reports.

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 2025-11-23 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: NY

Complaint narrative:
I would like these account to be remove from my credit report so me credit can update accurately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRESXX/XX/XXXXXXXX XXXX XXXX I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-11-23 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: VA

Complaint narrative:
ADDENDUM/ ADDITIONAL INFORMATION CFPB COMPLAINTS : XXXX, XXXX, XXXX This is an official addendum providing newly obtained evidence supporting my original complaints regarding identity theft, FCRA 605B violations, and Experians refusal to properly block and remove fraudulent accounts.

New Evidence Submitted : I have now attached updated credit reports from Equifax and TransUnion, both of which have already removed two ( 2 ) of the four ( 4 ) fraudulent accounts listed in my FTC Identity Theft Report.

These two bureaus have complied with FCRA 605B and honored the block request within the required timeframe.

Case Number 8 25-cv-24 - Experian In Litigation With CFPB Showing Equifax Is Still Violating The FCRA.

This directly proves : The accounts are fraudulent, and Experian has current, valid notice of that fraud.

Experian, Equifax, and Transunion is in violation of FCRA 605B, which requires blocking ALL fraudulent accounts within 4 business days after receiving an Identity Theft Report.

Experian, Equifax, and TransUnion is causing ongoing harm to my family, livelihood, and housing opportunities by refusing to remove the same accounts that Equifax and TransUnion have already deleted. 

Experian continues to report XX/XX/XXXXXXXX and XXXX XXXX XX/XX/XXXX, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four accounts. 

Requested Resolution : Transunion must immediately block and delete the remaining fraudulent accountsXX/XX/XXXX and XX/XX/XXXXin compliance with FCRA 605B and issue written confirmation. 

This addendum is submitted to update my case with additional evidentiary support and demonstrate Experians, Equifax, and Transunion continued non-compliance and harmful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
ADDENDUM/ ADDITIONAL INFORMATION CFPB COMPLAINTS : XXXX, XXXX, XXXX This is an official addendum providing newly obtained evidence supporting my original complaints regarding identity theft, FCRA 605B violations, and Experians refusal to properly block and remove fraudulent accounts.

New Evidence Submitted : I have now attached updated credit reports from Equifax and TransUnion, both of which have already removed two ( 2 ) of the four ( 4 ) fraudulent accounts listed in my FTC Identity Theft Report.

These two bureaus have complied with FCRA 605B and honored the block request within the required timeframe.

Case Number 8 25-cv-24 - Experian In Litigation With CFPB Showing Equifax Is Still Violating The FCRA.

This directly proves : The accounts are fraudulent, and Experian has current, valid notice of that fraud.

Experian, Equifax, and Transunion is in violation of FCRA 605B, which requires blocking ALL fraudulent accounts within 4 business days after receiving an Identity Theft Report.

Experian, Equifax, and TransUnion is causing ongoing harm to my family, livelihood, and housing opportunities by refusing to remove the same accounts that Equifax and TransUnion have already deleted. 

Experian continues to report XX/XX/XXXXXXXX and XXXX XXXX XX/XX/XXXX, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four accounts. 

Requested Resolution : Transunion must immediately block and delete the remaining fraudulent accountsXX/XX/XXXX and XX/XX/XXXXin compliance with FCRA 605B and issue written confirmation. 

This addendum is submitted to update my case with additional evidentiary support and demonstrate Experians, Equifax, and Transunion continued non-compliance and harmful reporting practices.

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 2025-11-23 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: NY

Complaint narrative:
Experian, Equifax, Transunion all did scams investigations into my credit reports reguarding information inaccuracies in my credit reports. i sent certified letters to all of them and they didnot respond to my requests too remove the information ask of them

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX XXXX charged {$35.00} on XX/XX/XXXX There are 3 other unauthorized amounts trying to charge my checking account. I believe last year in XXXX my checking account had accidently qualified for XXXX XXXX. That is why Im getting charged this year for an amount that was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint regarding an online purchase from XXXX XXXX XXXX, a XXXXbased business, which accepted my payment but failed to deliver the product. 

On XX/XX/year>, I paid XXXX XXXX XXXX using my Discover debit card for Sporting goods, in the amount of {$180.00}. After payment was completed, the company did not ship the product, did not provide any tracking information, and has since stopped responding to all attempts to contact them. 

I later discovered that XXXX XXXX XXXX ( Entity ID XXXX ) is listed as delinquent and not in good standing with the State of XXXX. This strongly suggests the business may still be accepting payments despite not operating legitimately. 

I attempted to resolve this matter through my bank ( Discover Bank ). However, my bank has refused to assist, reopen the dispute, or provide any protection, despite this clearly being a merchandise-not-received and card-not-present transaction. As a result, I am left with no avenue for reimbursement or resolution other than filing this complaint. 

I respectfully request that your office investigate XXXX XXXX XXXX for potential fraudulent business practices and assist in obtaining a refund for the undelivered product. I am concerned that this business is continuing to take payments from consumers while not providing goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
My loan was transferred from XXXX to First CitizensBank effective XX/XX/XXXX. Making payment as usual, FirstCitizensBank said on XX/XX/XXXX monthly payment is {$690.00}. I made my payment each month. On XX/XX/XXXX, FirstCitizensBank said my payment is changing to {$1600.00} because I have been making short payment. I was confused, I called them to express my concerns, but I continue making the payment of {$1600.00}. I told them I am going to get my own insurance to reduce the monthly payment. I got my own insurance on XX/XX/XXXX with XXXX XXXX XXXX XXXX and paid it with personal check. I informed FirstCitizensBank. 
Surprisingly, FirstCitizensBank sent a letter to say my mortgage payment will be {$3600.00} by XX/XX/XXXX as they fabricated an escrow in the amount of {$35000.00} from nowhere. I called them XXXX XXXX to ask them to correct that. The person who I spoke with said her Boss sent an email to address the issue to get it corrected. Nothing has been done about that. Now, I start receiving threatening letter as I can not afford their fabricated monthly payment. When I went to their website to make the XXXX payment : {$35000.00} or {$3600.00} were the only choices. Using their toll-free line it was still allow {$1600.00}. I made {$1000.00} payment at that time. FirstCitizensBank wants to take my mortgage as prey as FirstCitizensBank has created an imaginary escrow of {$35000.00}. I got my own insurance to reduce the monthly as I was going to pay my taxes as well for XXXX. But FirstCitizensBank has other plans. I am seeking assistance to deal with that predatory practice and get my payment as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX 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 2025-11-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Approximately XXXX years ago, through a cosmetic XXXX page on XXXX, I established contact with an agent representing an aesthetic clinic. The agent from XXXX communicated with me and sent me virtual documents, instructing me to sign them solely to verify whether I could qualify for financing. At no point was I informed that my signature would be used to initiate a final financing agreement or to approve a surgical procedure. 
Some time later, I received an unexpected charge from XXXX XXXX, even though : I did not undergo any cosmetic treatment, I never approved any XXXX, I was never evaluated by a doctor, I never confirmed any procedure date, And I was only requesting pricing information, as I was pregnant at that time and not in a condition to undergo any XXXX. 
When I contacted XXXX XXXX  to explain the situation, I was told that I had to pay or my credit would be negatively affected. Under pressure, they agreed to reduce the alleged balance from {$5000.00} to {$1600.00}, stating that this amount would be kept as a deposit. Despite this, I never received any medical service, consultation, preoperative evaluation, or any form of care from the clinic. 
After having my baby, and XXXX years after signing those preliminary documents, I contacted the clinic again. The customer service was poor, unprofessional, and they offered no solution. Since I do not wish to undergo any XXXX and no procedure has ever been performed, I requested a refund of the {$1600.00}. However, the clinic has refused to issue any reimbursement, even though : I have not received any service, I have not had any medical evaluation, No XXXX was scheduled, No clinic resources or supplies were used, And there is no justified reason for them to retain my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I got a letter about a check from USAA, and I dont trust what it says.

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