vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In contrast, I encountered significant challenges with this company. I had unpaid property taxes that were not being managed properly. I filed a case in XX/XX/year>, and as of the end of XXXX, the company has not resolved the issue. They had promised to take action from then on. Unfortunately, the expedite department has not paid the taxes, and a debt collection agency has contacted me. We now owe {$570.00} in interest penalties on top of the {$5700.00} in unpaid taxes. 
This is what the Mr.Cooper reply to me on my first ticket I create on there portal on XX/XX/year>. 
" Thank you for submitting your ticket. We look forward to helping you. 
All tickets are assigned based on the order they are received. Well reach out if we need additional information to complete your request. Theres nothing else you need to do at this time. 
Your ticket number is XXXX " From that point on I got promise that there Espedite department will take care of this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I was late on my payment, and Prosper began calling several times a day for a few days until I paid the account. I've had issues with this before and the amount of phone calls received was similar where I was receiving multiple calls a day, for several days even when I had answered and explained I was in a hardship and was going to make the payment soon. I also asked them to stop calling so much. In the span of less than a week this time ( specifically 4 days ) I received XXXX phone calls, mostly XXXX phone calls and day within a few hours of eachother, no voicemeails were left at any point. Just continued calls.

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 2025-04-26 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: NV

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-04-26 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: NV

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Status : Closed Credit Limit : {$400.00} Reported Balance : {$0.00} Bureaus Affected : Equifax, TransUnion, Experian The account reflects inconsistent and inaccurate reporting : Equifax reports the account as Pays as agreed but shows a worst delinquency of 30 days past due.

TransUnion shows Paid or paying as agreed with no delinquency reported.

Experian shows Paid account/was 30 days past due. 
These discrepancies are inaccurate and create a misleading negative impact on my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681, all information reported must be accurate, complete, and verifiable. Therefore, I respectfully request the following : An investigation into the reporting of this account across all bureaus. 
Deletion or correction of any inaccurate late payment information if XXXX XXXX can not provide proper verification.

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 2025-04-26 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: SLM CORPORATION
State: TX

Complaint narrative:
i requested a 1099c when the loan started to show written off/ charged off on my credit report and i was never provided the 1099c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
I, XXXX XXXX XXXX, am writing to formally dispute inaccurate information currently listed on my credit report. This information is harming my financial reputation and overall well-being. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable and timely investigation of any disputed item and respond within 30 days.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for allegedly conducting sham investigations, failing to adequately investigate consumer disputes, and reinserting inaccurate data without notification. These practices violate consumer protections and create systemic risks to credit accuracy. I am concerned that my dispute may be handled in a similar negligent manner, which would be a direct violation of the FCRA. 

According to the CFPB, violations have included : Inadequate investigation of consumer disputes ; Reinsertion of previously disputed and inaccurate information without notice ; Failure to notify consumers of investigation outcomes.

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 2025-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: CA

Complaint narrative:
I attended XXXX XXXX in XXXX, from XXXX to XXXX, financing my education with federal and private student loans. Due to the school 's misconduct, my federal loans were forgiven through the Sweet v. Cardona lawsuit. However, my request to have my private loans discharged was denied. Since XXXX, I have paid over {$30000.00} toward my original {$17000.00} private loan balance and still owe approximately {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This was a XXXX credit card account. I call XXXX directly and they confirm and clear this account because of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX, California, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Collection Account FCRA Compliance Request Dear XXXX, I am writing to formally dispute the accuracy and completeness of a collection account listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ). 

The item I am disputing is : Creditor Name : Spring Oaks Capital SPV , LLC XXXX. XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Account Number : XXXX Reported Balance : {$17000.00} This account is inaccurate and incomplete. I am requesting a full reinvestigation of this item and that it be removed from my credit report if it can not be fully verified. Under the FCRA, you are required to investigate the matter, verify the information with the data furnisher, and respond within 30 days. 

Please provide me with a written confirmation of your findings, including : 1. The name and contact information of the party that verified the account.

2. A detailed description of your reinvestigation process.

3. A copy of any documentation you used in the verification.

If this collection account can not be verified in accordance with the FCRA, it must be deleted from my credit report immediately. Please also send me an updated copy of my credit report showing the changes. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunbit, Inc.
State: MN

Complaint narrative:
On Thursday, XX/XX/year>, around XXXX AM, I brought my car to XXXX XXXX XXXX in XXXX, XXXX, for scheduled maintenance. As I had been taking my vehicle there for several years, I was aware that they were making changes to their computer systems and check in processes. When I stepped out of my car, the first person that approached me was what I later learned to be a representative of Sunbit and not a Service Advisor from XXXX XXXX XXXX. Without identifying himself or the company he worked for, he began to request information. Assuming it was part of the new check in process, he requested my name, email address, phone number, and drivers license. It was not until he provided me with a credit offer that I realized he was collecting information for the purpose of applying for a line of credit. Had I been aware of the nature of his business, I would not have provided the information was unable to provide informed consent regarding the application. 

At no point did the Sunbit representative identify himself, explain the nature of his business there, or that my information would be used and stored for the purposes of providing a line of credit. 

I contacted the customer support team from Sunbit requesting deletion of my data and explaining the nature of the unethical practices. They have so far refused to delete my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-26 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: MD

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within XXXX days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
his is a follow-up complaint regarding XXXX mishandling of my original CFPB complaint ( Case # XXXX, filed XX/XX/XXXX ). 

XXXX previously responded to my dispute by " verifying '' the accounts ( Confirmation # XXXX and # XXXX ), confirming they were able to identify me. 

Later, XXXX  falsely claimed they could not verify my identity in response to the CFPB complaint, despite already having validated my identity and responded to my certified disputes in writing. 

I provided my drivers license, utility bill, and proof of delivery via USPS Certified Mail in XX/XX/XXXX. 

XXXX refusal to conduct a proper reinvestigation constitutes violations of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure to properly investigate once notified FCRA 1681n and 1681o : Willful and negligent noncompliance I request the immediate deletion of the disputed late payments from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts from my XXXX file , or full production of the verification documentation originally relied upon.

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 2025-04-26 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: IL

Complaint narrative:
Contacted company debt collector thats reporting account on my credit report about actual closed/charge off dates they told me an then admitted to reporting wrong in accurate date on my credit report and told me I need to file a dispute for them to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have previously been contacted from company to set up automatic payment thought they were already taking money out of my account kept harassing me but called from scam numbers thats why i didnt always answer and they also contacted my husband when it has nothing to do with him and disclosed information about my debt but they are not allowed to do that without my consent as well to my sister in law if they have a problem they can resolve it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth : XXXX Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: DynaGen Lending, LLC
State: MD

Complaint narrative:
I believe that the refinancing broker that I worked with called Dynagen Lending is involved in a large scale mortgage fraud/theft, scheme along with its subsidiaries such as XXXX XXXX XXXX. I attempted to refinance with Dynagen Lending and they advised me not to pay my XXXX XXXX and XXXX mortgage payments. My refinance was denied yet my mortgage was still transferred to a company called XXXX XXXX my hypothesis is that they are using this process to transfer equitable mortgages to their subsidiaries in my case, XXXX XXXX make it so that we can not pay those payments which were said not to be paid and then put that mortgage, my mortgage into pre-foreclosure and then foreclosure. I believe that they are doing this on a large scale, putting people into debt by advising them not to pay over certain months and then taking profits from those mortgages that they were able to essentially steal. Luckily, in my case, I was able to pay off what I owed before they put my mortgage and home into foreclosure. This practice must be illegal. It is predatory and it should not be allowed to happen in the United States. I do not want this to happen to anyone else, especially since most people would not have been able to catch up on the amount that they caused to be owed. also, I was not able to make payments online or through the phone until the large lump sum of money that I owed which they facilitated was paid first please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NY

Complaint narrative:
I was supposed to receive a refund of {$3.00} and change from XXXX and I contacted Cashapp support and they kept saying youll receive it in XXXX business days and I still have yet to receive it and i know it may seem like chump change but money is money and I work hard for what mines and I dont appreciate the lies and the fact that I never received it

Company response to consumer: Closed with explanation