vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute letter directly to XXXX XXXX concerning the way my closed auto loan account ( Account XXXX XXXX XXXXXXXX ) is being reported to the credit bureaus. The account is being reported inaccurately across XXXX XXXX XXXX XXXX  as a charge-off, even though the vehicle was voluntarily surrendered. 
Despite my dispute, XXXX has not provided any response, acknowledgment, or correction within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my consumer rights, as they are obligated to investigate and respond to any written dispute regarding inaccuracies on a credit report.

Furthermore, the account shows multiple discrepancies in how it's being reported : XXXX  lists the high balance as {$6400.00}, while XXXX XXXX XXXX show {$19000.00}.

The account reflects an outstanding balance and continues to be marked as charged off, even though it was a voluntary surrender not a defaulted loan.

No updated comments have been provided to clarify the true nature of the closure.

These inconsistent and inaccurate notations are damaging my credit profile and misrepresent the actual status of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — FHA 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: Data Mortgage Inc.
State: GA

Complaint narrative:
Subject : XXXX XXXX Improper Denial of Loss Mitigation Appeal, RESPA Violation, and Lack of Chain of Title Documentation I am filing this complaint against XXXX XXXX  for multiple violations of federal mortgage servicing laws, including the denial of my loss mitigation appeal, a failure to respond to my Qualified Written Request ( QWR ), and proceeding with foreclosure without proving legal authority to do so. 

On or about [ insert date of denial XXXX XXXX XXXX denied my loss mitigation appeal. I then submitted a formal Qualified Written Request ( QWR ) on XX/XX/year> via email, in which I specifically asked for documentation verifying the chain of title and XXXX XXXX legal authority to collect on and foreclose on the loan. 

As of today, they have not acknowledged or responded to my QWR, despite being required to do so under 12 U.S.C. 2605 ( e ) ( RESPA ). I believe this is a clear violation of federal law. They have now referred my loan to a foreclosure attorney, attempting to initiate foreclosure without satisfying legal documentation requirements or servicing standards. 

I am requesting the CFPB to investigate : XXXX XXXX failure to comply with QWR and RESPA response timelines The improper handling and denial of my loss mitigation appeal Foreclosure activity initiated without documented legal authority or standing I request that the foreclosure process be immediately paused until these issues are resolved and the required information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Subject : Inaccurate Reporting and Inconsistencies for Portfolio Recovery Account Complaint : I am submitting this complaint to report inaccurate and inconsistent credit reporting related to a collection account from XXXX XXXX XXXX, referencing an original debt with XXXX XXXX. 

Account Details : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX. 

Balance : {$2100.00} Date Opened : XX/XX/XXXX Status : Negative Still reporting as open Issues Identified : Inconsistent Dates of Activity and Reporting : XXXX  : Last Activity XX/XX/XXXX | Last Reported XX/XX/XXXX Experian : Last Activity XX/XX/XXXX | Last Reported XX/XX/XXXX TransUnion : Last Activity XX/XX/XXXX | Last Reported XX/XX/XXXX These dates show significant contradictions, which violate the standard of accuracy required under FCRA. 

Payment History Marked as Charge-Off ( CO ) Every Month : XXXX XXXX XXXX  XXXXhow CO ( charge-off ) repeatedly from XX/XX/XXXX to XX/XX/XXXX, which is inaccurate, since a charge-off can only occur once, not continuously each month. 

Terms Reported as 0 or 1 XXXX XXXX and TransUnion report 0 terms, while XXXX reports 1 term. This inconsistency suggests data is either incomplete or mishandled.

Violation of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.

15 U.S.C. 1681i : Failure to properly reinvestigate disputed data.

15 U.S.C. 1681s-2 ( b ) : Furnishers duty to correct and update inaccurate information after being notified.

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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX of 2023, I deposited a {$3200.00} check into my BMO Harris account. The check was valid and payment for legitimate consulting work I had done. The issuing company was headquartered outside of Illinois but the check was legitimate and cleared. I was at the branch in person, and the teller asked for my phone code, but I did not hear her right away as I was on a call. I was later informed that the branch teller flagged the check and my account for fraud not based on any evidence or confirmation, but based on what I believe was a discriminatory assumption.

I was never contacted, provided any written documentation, or given a valid explanation. Despite the check clearing, BMO Harris internal flag triggered a reversal, which withdrew {$3200.00} from my account without warning. The reversal also damaged my linked XXXX XXXX account, which had already received a transfer from the check funds. My XXXX XXXXXXXX account became overdrawn by {$950.00} and was later charged off due to BMO 's actions.

I have never had any fraud activity on my account and had no prior issues with this deposit. BMO made no reasonable effort to verify the checks legitimacy before taking extreme action. I believe this was a violation of my consumer rights and possibly racially motivated, as there was no just cause for assuming I was committing fraud.

I believe BMO Harris violated : Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information to XXXX XXXX XXXX XXXX 623 ( a ) ( 7 ) : Failure to notify me in writing of adverse action 607 ( b ) : Failure to ensure maximum possible accuracy of the information reported Electronic Fund Transfer Act ( EFTA ) : 12 CFR 1005.11 : Failure to notify me of a reversal or allow opportunity to respond

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 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have submitted various valid PSLF forms from XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX to have my payment count updated with no avail. All of my forms have been marked as complete, but the payment count still reflects the wrong amount of payments ( 113 ) when I am currently at XXXX payments. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX  and XXXXXXXX XXXX After filling many requests and escalations, Federal Student Aid refuses to update my account while it would make me eligible for forgiveness. 

Additionally, on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I submitted an third Public Service Loan Forgiveness Reconsideration request XXXX XXXXXXXX without any response or a payment count update.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: GA

Complaint narrative:
I purchased a PayPal Prepaid Mastercard from XXXX XXXX on XX/XX/year>, and loaded {$500.00} onto the card at the register. When I called to activate it that same day, a PayPal Prepaid representative told me I could not activate the card in my name due to a previously closed XXXX account. I was told a refund check would be issued and mailed within 710 business days. 

On XX/XX/XXXX, I called again after receiving nothing. I was told the first rep never processed the refund and that it was now being re-submitted. 

On XX/XX/XXXX, I called a third time and was told there was still no update on my account and that I would need to wait another XXXX business days. I asked to speak to a supervisor previously and was left on hold for over two hours, with no one ever returning.

Three days after being told I could not have a PayPal Prepaid account, I received a PayPal Prepaid card in the mail with MY NAME on it. This contradicts what I was told and adds to the confusion and lack of transparency surrounding this situation.

The {$500.00} I loaded onto the card was intended to pay my power bill. Because PayPal withheld my money, my electricity was shut off. I have three small children, and I was forced to borrow money to get the power restored which cost me twice as much due to late and reconnection fees.

I have now made three phone calls over nearly a month, been given inconsistent information, left on indefinite hold, and have received no proof that my refund is being processed. This company is withholding my funds and has caused significant financial hardship. I am requesting an immediate investigation into PayPal Prepaids handling of prepaid card refunds and their customer service 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 explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Synchrony Bank credit card for XXXX XXXX comfort, account ending in XXXX I made a purchase on XX/XX/XXXX and have been paying monthly payments since then. 

I received a promotional balance during purchase as a rebate and monthly payments were applied to promotional balance. 

The card balance obviously is more than promotional balance. 

However, I made a monthly payment of {$280.00} and additional payment of {$2400.00} on XX/XX/XXXX. My promotional balance was {$2700.00} during that time. 

The monthly payment was applied to promotional balance but the additional payment was not. The company/bank refuses to allocate my payment to promotional balance. I made the payment to settle my account in full. 

I want my additional payment of {$2400.00} to be allocated to my promotional balance. 

Attaching last 6 months statement and refusal letter from bank

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 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$930.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3400.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date 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 2025-07-09 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: MI

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable late payment ( s ) being reported on my credit report by XXXXXXXX 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 as furnished to one or more credit reporting agencies Equifax,. Despite multiple attempts to resolve this matter directly, the information continues to be reported without legally sufficient validation and in clear violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Details of Violation : The alleged late payment ( s ) have been disputed in writing to both the credit bureaus and the original furnisher.

Neither party has provided any of the federally required supporting documentation, including : Advance billing statements showing 21-day notice prior to delinquency ( TILA requirement ).

Full payment ledgers.

Complete Metro 2 coding to validate date of delinquency and payment status.

Affirmative proof that the account and alleged late payments are mine and are being reported with accuracy, completeness, and timeliness.

This is a direct violation of the following federal laws : 15 U.S.C. 1681i Failure to reasonably investigate a consumer dispute.

15 U.S.C. 1681s-2 ( b ) Furnisher obligations upon notice of dispute.

15 U.S.C. 1666 ( TILA ) Billing and notice requirements.

15 U.S.C. 1681n Willful noncompliance with FCRA, entitling me to statutory damages of {$1000.00} per violation. 

Additionally, their failure to provide verifiable proof after receiving a written complaint suggests either negligence, data mismanagement, or willful disregard for federal consumer protection laws. The continued reporting of this unverifiable derogatory information has caused harm to my creditworthiness, created barriers to financial opportunities, and exposed me to reputational damage. 

This complaint is being submitted in good faith, but I will not hesitate to pursue additional remedies in small claims court under 15 U.S.C. 1681n if this issue is not resolved promptly. I am entitled to statutory damages, and I am prepared to file additional complaints with the FTC, State Attorney General, and other appropriate regulatory bodies if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This debt collector is violating FDCPA collection practices by not timely and efficiently providing documentation when debt collection. 

Only submitted evidence days before lawsuit filed trial. 

Lets not cherry pick information to get a judgement when its clear and evident you did not provide in the beginning. 

This debt contract claim is bound by an agreement clause. If there is valid claim on dispute, this should be addressed. 

XXXX XXXX XXXX is notoriously known and have been reported for bad collection practice and faulty affidavits/statements in legal debt matters. 

Sent certified correspondence to request declaration to validate the debt to include bill of sale, assignment, payment history etc. no answer

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 2025-07-09 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: MI

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable late payment ( s ) being reported on my credit report by XXXXXXXX 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 as furnished to one or more credit reporting agencies ( XXXX  ). Despite multiple attempts to resolve this matter directly, the information continues to be reported without legally sufficient validation and in clear violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Details of Violation : The alleged late payment ( s ) have been disputed in writing to both the credit bureaus and the original furnisher.

Neither party has provided any of the federally required supporting documentation, including : Advance billing statements showing 21-day notice prior to delinquency ( TILA requirement ).

Full payment ledgers.

Complete Metro 2 coding to validate date of delinquency and payment status.

Affirmative proof that the account and alleged late payments are mine and are being reported with accuracy, completeness, and timeliness.

This is a direct violation of the following federal laws : 15 U.S.C. 1681i Failure to reasonably investigate a consumer dispute.

15 U.S.C. 1681s-2 ( b ) Furnisher obligations upon notice of dispute.

15 U.S.C. 1666 ( TILA ) Billing and notice requirements.

15 U.S.C. 1681n Willful noncompliance with FCRA, entitling me to statutory damages of {$1000.00} per violation.

Additionally, their failure to provide verifiable proof after receiving a written complaint suggests either negligence, data mismanagement, or willful disregard for federal consumer protection laws. The continued reporting of this unverifiable derogatory information has caused harm to my creditworthiness, created barriers to financial opportunities, and exposed me to reputational damage.

This complaint is being submitted in good faith, but I will not hesitate to pursue additional remedies in small claims court under 15 U.S.C. 1681n if this issue is not resolved promptly. I am entitled to statutory damages, and I am prepared to file additional complaints with the FTC, State Attorney General, and other appropriate regulatory bodies if necessary.

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