vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian at least 10 times today. I used several different numbers, and I could not reach a live person. Its impossible to get through. The automated voice says I can not transfer you unless under certain circumstances. I tried different scenarios just to get through to no avail. I can not access my online account ( they want you to do everything online ) because it says my phone number does not match their records. I only have a cell phone and its been the same number for 9 years. It sends links to my phone ( automated person ) but when I try to log on it will only send a verification code to my phone not email and it says my phone number does not match their records! I need to speak to someone to resolve this and it is impossible. I challenge you to try to get through. This is unacceptable. I have no way of knowing if the information is correct since I can not log on. My credit has been frozen because of a breach and my information on the dark web.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XXXX or XXXX of this year I received an email from Apple Card offering a {$300.00} bonus if you spent {$1500.00} in the first 60 days when you opened an account. I was approved and added my husband to the account. My first months statement was for {$1700.00} and the second month was {$940.00}. I still had not received my bonus and contacted Apple to see why. They said that since the {$1500.00} was not on my card only I did not qualify. I explained to them that if I had known this I would have been sure that I would have been sure to make enough charges on my card only. Im not sure where this is explained when the account was opened and feel this is misleading. If I had known the charges had to be on my card only I would have used my card only in order to get the {$300.00}. The {$300.00} bonus was why I opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
This entry is invalid and misrepresents my responsible payment history. Kindly amend my account to reflect the truth.

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 2025-10-24 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: VT

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : 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

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 2025-10-24 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: NJ

Complaint narrative:
Despite on-time payments, lowered balances, and perfect utilization, my TransUnion credit score has remained inexplicably flat for weeks. This stalling is not isolated to one app or platformnearly every credit monitoring service I use is showing distorted or stagnant score behavior across all three bureaus, with TransUnion at the top of the list for being the most suspicious and inconsistent. 

XXXX, which pulls directly from TransUnion, has shown no change in my score for weeks, despite multiple reported updates including a significant auto loan balance reduction and ultra-low revolving utilization ( 2 % ). My balances are paid early every cycle, yet the app displays a frozen graph and Great Job messaging with no further indication that anything has changed. Even my early XXXX credit card payments have not been reflected, though they were processed weeks ago.

Meanwhile other apps like XXXX XXXX, XXXX XXXX, and XXXX also show stalled or contradictory dataespecially for TransUnionbut in ways that suggest partial suppression than full transparency. One of the most concerning signs is the fact that the XXXX timeline has rolled back by one day, every day for over a week, erasing updated data and replacing it with older information. This behavior strongly suggests throttling or manipulated visibility.

The collection account that caused a massive drop in my score ( XXXX XXXX XXXX XXXX XXXX XXXX ) has since been deleted from TransUnion, yet no substantial score recovery has occurred. The systems seem to be holding my credit profiles hostage, even as my credit profile continues on an upward trajectory. The system is not keeping up. All of this is happening in the wake of multiple ongoing disputes, leading me to believe there may be throttling or score suppression of dispute-affected profiles.

I am requesting the CFPB investigate whether TransUnion is throttling data visibility, suppressing legitimate score improvements, or manipulating API responses to platforms like XXXX. I have documented rollback behavior, unchanged score graphs despite improvements, delayed reporting of payments, and misaligned messages across platforms. These will be submitted in further detail if the matter is not removed promptly.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I initially decided to open a CareCredit account for financing my braces, as this option was offered by my provider. The payment plan fit within my budget, and I was given an 18-month promotional plan. My understanding was that if I did not pay off the balance within those 18 months, I would be charged a standard interest rate of 29.99 %. 

However, due to financial constraints, I was unable to pay off the balance in the specified time frame. I assumed that after the promotional period, I would be charged the anticipated interest rate. To my shock, I recently received a new bill that included an additional {$1700.00} in charges, increasing my balance from approximately {$2000.00} to $ XXXXfar beyond what I anticipated. 

In my efforts to resolve this issue, I contacted CareCredit and XXXX Bank three times. My first call was hindered by a significant language barrier, leaving me without any meaningful assistance. During my second call, after explaining my situation, I was abruptly hung up on. The third call proved to be the most frustrating, as the representative was rude and showed a complete lack of compassion or understanding. 

This experience has left me beyond upset. CareCredit, which is supposed to help people manage medical expenses, feels more like a scam and a fraud. If I had known how detrimental this credit card would be to my financial situation, I would have chosen another financing option, such as going through the provider directly or using a different credit card. 

I am requesting a refund for the unjust additional charges and wish to close my account immediately. The fact that CareCredit is unwilling to address my concerns and take off these excessive charges is deeply frustrating. This has been the worst financial experience I have ever encountered, and action must be taken to rectify this situation

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 2025-10-24 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: VA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-10-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting by XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear CFPB and Credit Bureaus, I am writing to formally dispute the accuracy and validity of a student loan account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the above account number. This account is being furnished inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2, as well as Metro 2 compliance standards governing accurate data furnishing to credit reporting agencies.

This loan stems from an alleged federal consolidation reported to have originated in XXXX, yet XXXX has failed to provide documentation verifying the underlying loans, disbursements, or promissory notes that justify the current reporting. Therefore, the account can not be verified under FCRA standards. 

Furthermore, the recent federal settlement between the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and the U.S. Department of Educationacknowledged under the XXXX administrationresulted in the forgiveness of over XXXX XXXX student loans due to improper servicing, misinformation, and lack of verifiable data. XXXX, as a federal servicer, falls within the scope of this settlement and related corrective actions. 

Under the FCRA 1681i, all furnishers and credit bureaus must conduct a fair, thorough, and verifiable investigation when a consumer disputes the accuracy of any reported information. The Consumer Financial Protection Bureau ( CFPB ) has repeatedly ruled that automated or unverified responses by furnishers fail to meet this standard. 

Given the lack of supporting evidence and the inconsistency with federal settlements, I am demanding that the above-referenced account be deleted in its entirety from my credit report across Equifax, Experian, and XXXX XXXX or any credit bureau continues to report this unverifiable information, I will consider this a willful violation of the FCRA and reserve the right to pursue additional remedies, including filing complaints with the U.S. Department of Education Ombudsman and the Pennsylvania Attorney General.

Please provide written confirmation that this account has been deleted or that a lawful reinvestigation has been completed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : [ XX/XX/XXXX ] SSN ( Last XXXX ) : [ XXXX ] Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPT OF EDUCATION/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX 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 2025-10-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-24 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : 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

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 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX said they are not longer going to be our mortgage carrier and Mr. Cooper will take over. I researched the company and found out they are XXXX just renamed. XXXX has been fined many XXXX of dollars because of their fraudulent practices. I have no interest in doing business with them. Both XXXX XXXX and XXXX said I have no say in this transfer. My homeowner insurance contacted me today and said they got a fax from Mr. Cooper and for them to transfer the coverage. It's my insurance. I pay the premiums and I want to keep my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have contacted the company multiple times that two payments plans have been made using my information by a family member and nothing has been done for the fraud account for months and I keep getting emails about payments for XXXX and XXXX that i dont have access to and now the payments are going to be delinquent. I really upset that nothing has been done by the company. They need to be hold accountable for letting this happen and not taking this seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
United Wholesale Mortgage ( UWM ) issued a Loss Mitigation Denial letter denying every programRepayment Plan, Special Forbearance, all Modifications, and liquidation optionsas Non-Approved. The stated reason for denial of both Special Forbearance and Repayment Plan was : Your loan is less than 61 days delinquent.

This loan is VA-guaranteed, which UWM has confirmed. Under the VA Servicer Handbook ( M26-4, Chapter 5 ), there is no requirement that a loan be 61 days delinquent to approve Special Forbearance or a Repayment Plan. VA guidance explicitly allows approval before 61 days delinquent. The denial therefore applied non-VA, conventional criteria to a VA-backed loan. 

When I called to clarify, UWM representatives confirmed the loans VA status but could not answer any other substantive questions : they could not identify the investor rule or VA citation for the 61-day threshold, could not name the owner/assignee, and could not confirm that a VA-trained specialist reviewed the file. Their inability to provide this information violates 12 C.F.R. 1024.36 ( Request for Information ) and demonstrates a lack of continuity of contact under 1024.40.

The denial letter also fails 1024.41 ( d ) of Regulation X, which requires the servicer to state the specific reason for denial and, if applicable, the owner/assignee and its rule. No such identification was provided. The letter further contains contradictory languagemarking Pre-Foreclosure Sale and Deed-in-Lieu as Non-Approved while stating we are offering you the opportunity to pursuewhich is misleading and non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 hereby dispute the referenced accounts as fraudulent. I never authorized their opening, and I request their immediate removal from my record along with a full investigation. Supporting proof is enclosed.

Company response to consumer: Closed with explanation