vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: WI

Complaint narrative:
In the complain : XXXX the company falsified information. They falsified the day they sent the letter to my mortgage amount to me, and then underpaid me in the amount owed. 

In the attached with the payment I sent to the county you will note two things. It was outstanding on XX/XX/year> and I was liable for that amount. Due to the notification I had no choice but to pay further late fees if I hadn't. The amount paid was XXXX where the company only paid XXXX Additionally you will see the company states that they mailed the escrow on XX/XX/XXXX. This is false as you can see the attached timestamped letter stating XX/XX/XXXX. 

As I am still not paid for all fees I am seeking damages of {$1000.00} including the {$2.00} late fee for time cost over this process and the falsified information. I am prepared to press charges in small claims court if not resolved. This totals {$1000.00}. 

It is unacceptable that the company did not read receipts, nor accurately portray their mailing date.

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 2025-05-17 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
Subject : URGENT : Public Criminal Complaint Judicial Conspiracy Against Government and Consumer Protections Dear Public Official : As of XX/XX/year>, I have published the following formal federal criminal complaint and investigative affidavit titled : Criminal Affidavit Documentary : ECMC, XXXX, and Federal Actor Judge XXXX XXXX This affidavit documents a multi-layered conspiracy by financial servicers and judicial actors to : Overthrow constitutional governance Usurp state and federal judicial mechanisms Obstruct civil rights and consumer protection laws intended to protect and defend the public A full report is available through the links below. Pages 2 and 3 provide a rapid overview. This message serves as formal notice to all parties referenced. Certified mailings and Library of Congress submissions are underway. I thank you for your professionalism and facilitation in stopping crimes against humanity.

ISBN and Legal Record Notice This Documentary is formally registered with XXXX XXXX and has been submitted for permanent public record to the Library of Congress . It now exists as a documented legal and historical record accessible to U.S. and international bodies.

Silence shall not erase this truthfor we stand on Ephesians 5:11 : Have nothing to do with the fruitless deeds of darkness, but rather EXPOSE THEM.

Legal Access and Usage This is not just a bookit is a sworn legal submission Courtesy copies have been made available for government, human rights, and judicial review All other readers must use ISBN-authorized channels for access Supporting this work = supporting justice and public accountability I have attached the courtesy copy links below for the United States Department of Justice officials , congressional and judicial oversight entities, and international human rights enforcers.

The official ISBN-registered edition is in distribution for broader access and public record aXXXX XXXX XXXX XXXX XXXXXXXX? XXXX & XXXX XXXX NUMBER : XXXX This is not just a bookits a legal submission Courtesy copies have been made available for governmental, human rights, and judicial contexts Anyone outside of those contexts must go through ISBN-authorized channels to access the ebook or paperback noted above Supporting the book = supporting justice work The below are Links To Courtesy Copies For Criminal Justice, Legislative, Judicial Supervisors and Human Rights Enforcers Criminal Affidavit Documentary : ECMC , XXXX XXXX and Federal Actor Judge XXXX XXXX Government Overthrow CRIMINAL COMPLAINT AND REQUEST FOR FEDERAL INVESTIGATION XXXX XXXX : XXXX # XXXX ORXX/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 2025-05-17 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}

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 2025-05-17 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$8500.00} Date OpenedXXXX

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
* * Synchrony Bank * * XXXX XXXX XXXX XXXX, PA XXXX * * Subject : * * Request for Removal of Late Payments Account Ending in XXXX Dear Synchrony Bank, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment for late payments reported on my account ending in XXXX for the months of XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX 



I would like to sincerely apologize for the late payments during that period. These months were particularly challenging for me due to personal circumstances, but I have since taken the necessary steps to ensure my payments are made on time. Im pleased to say that all of my payments have been made promptly since then. 



The reason I am making this request is that I am currently in the process of purchasing a home for myself and my new family. The removal of these late payments from my credit report would significantly improve my chances of securing mortgage approval, allowing us to move forward with this important milestone. 



I truly value my relationship with Synchrony Bank and appreciate the support and services you have provided. Your assistance during this process has been greatly appreciated, and I am hopeful you will consider this goodwill request favorably. 



Thank you for your time and understanding. 



Sincerely, * * 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 2025-05-17 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XXXXXXXX XXXX XXXX My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 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 non-monetary relief
Consumer complaint received 2025-05-17 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Issue Type : Unauthorized or fraudulent transactions Institution : Navy Federal Credit Union Product : Checking account ( Debit card transaction ) -- - Complaint : I am filing this complaint in accordance with the Electronic Fund Transfer Act ( Regulation E ) due to Navy Federal Credit Union allowing an unauthorized transaction to post to a newly opened checking account that I did not authorize for that transaction. 

On or about XX/XX/year>, I rented a vehicle from XXXX using a Navy Federal Visa debit card tied to a checking account I later closed. On XX/XX/year>, I proactively contacted XXXX and provided alternate billing instructions through a separate, unrelated bank account, as I had already informed them the original Navy Federal account would no longer be valid.

Days later, Navy Federal permitted XXXX to force-post a final transaction using an authorization tied to the closed account, and re-routed it to a brand-new checking account that I had never authorized for any such transaction. This debit occurred without my consent, without new authorization, and directly contradicted the alternate payment information I gave to the merchant.

Navy Federal has since claimed that their policy allows a pre-authorization to carry over to a new account and that they were obligated to pay it despite the old account being closed, the debit card deactivated, and the fact that I never linked the new account to XXXX or XXXX. This is in direct violation of Regulation E, which clearly defines that an electronic fund transfer must be expressly authorized by the consumer for the specific account being debited ( 12 CFR 1005.2 ( m ) ).

This charge was unauthorized by definition. Navy Federals decision to allow a third-party merchant to access a new account using credentials tied to a dead authorization chain constitutes a serious breach of customer authorization protections under federal law.

Resolution Requested : Full reimbursement of the unauthorized charge.

Investigation into Navy Federals internal policy or system that allowed this breach.

Written confirmation that Navy Federal will cease the practice of routing merchant transactions from closed accounts into unrelated new ones without fresh consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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:
In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX  credit has violated my right. 
15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681 section 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX  credit has violated my right. 
15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681 section 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On [ XXXX ] Citibank , N.A . reduced the credit limit on my MyBestBuy Visa card from {$2000.00} to {$1100.00} without advance notice, citing a single sixdaylate payment and a supposedly maxedout balance. 

Why the reduction is unwarranted The XXXX payment posted only six ( 6 ) days late and was therefore never reported 30days past due to the credit bureaus. 
The XXXX statement snapshot included a {$1000.00} phone purchase that I had already returned. BestBuy received the return on [ XXXX ], but the refund did not post before Citibank took its internal creditline snapshot. Proof of XXXX delivery and BestBuys returnreceipt email are attached. 
As of today, [ XXXX ], my balance is $ XXXX 55 % of the original {$2000.00} limit yet 100 % of the new lower limit, causing my utilization ratio to spike and my XXXX score to drop roughly XXXX. 

Steps I took to resolve it directly with Citibank 1.Called Citi Credit Management ( XXXX ) on [ XXXX ]. I provided proof of the returned merchandise and asked that the original {$2000.00} limit be restored. 
2.The representative refused, stating policy and offering no further explanation beyond late payment / high balance. 
3.I requested escalation to a senior credit analyst ; the request was denied. 

Information I requested A written explanation of the exact creditscoring factors or internal policy triggers used to justify the limit decrease. 
Reinstatement of the original {$2000.00} credit line now that the account is current and the refund is posted. 
Citibank has not provided that information or a remedy. 

Impact on me The sudden limit cut raised my utilization from ~55 % to 100 %, damaging my credit score and jeopardizing smallbusiness financing I am pursuing. 
I rely on this card for equipment and technology purchases essential to running my furnituredelivery company. 

What I want Citibank to do 1.Immediately restore the prior {$2000.00} credit limit ( or higher ). 
2.Ensure that no derogatory or highutilization data tied to this incident is furnished to XXXX, XXXX, or XXXX. 
3.Provide the detailed adverseaction notice and any internal policy wording that triggered the limit decrease. 

Documents uploaded Citibank adverseaction letter dated [ XXXX ] XXXX  tracking proof and BestBuy return confirmation for the {$1100.00} phone Screenshot/PDF of current {$1100.00} balance Payment confirmation showing the account is current I certify that the information above is true and accurate to the best of my knowledge and request resolution within 15days due to the immediate creditscore impact.

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