vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
A payoff statement was requested from Mr. Cooper mortgage company by me on XX/XX/year>, and sent to the title company for selling the home. The payoff was good through XX/XX/year>, in the amount of XXXX. When we got to the closing table on XX/XX/year>, the amount listed on the payoff was sent to Mr. Cooper via wire. I received a call from Mr. Cooper on XX/XX/year>, stating that they were returning the wire to the title company because the payoff amount was incorrect due to an escrow payout for the insurance on the property. The title company didn't receive the wire for several days. I called Mr. Cooper on the following dates as the title company never received the wire back : XX/XX/year> / XX/XX/year> / XX/XX/year> / XX/XX/year>. During the conversation on XX/XX/year>, I called Mr. Cooper and told them that I wanted the confirmation of the wire being returned. They told me they would request it and get back with me. The final call on XX/XX/year>, I finally told them that I was going to have an attorney subpoena their records since no one was able to locate the wire going back to the title company. Finally on XX/XX/year>, the title company saw the return of the wired funds into their account. While all of this was going on, we had a VA loan that had a no prepayment penalty clause in the Note, firstly. Secondly, Mr. Cooper never informed us that the wire was going to be returned until after XX/XX/year>, which caused me to have a mortgage payment being reported to my credit as 30 days late, which had they accepted the prepayment of the loan when the home was sold on XX/XX/year>, wouldn't have happened. This caused my XXXX XXXX to drop almost XXXX points, my credit card company is now asking for large payments or threatening to lower my balances due to this drop in my XXXX XXXX which is money that I don't have to be paying right now. Thirdly, instead of accepting the payment of XXXX on XX/XX/year>, and only having the escrow amount of {$2300.00} outstanding, we had to pay an additional {$3700.00} to cover the additional interest on the entire outstanding loan balance. This has caused major financial hardship to me and my family and some residual hardship with the decline of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an account currently being reported on my consumer credit reports by XXXX XXXX XXXXP/XXXX/equifax/XXXX. This item is negatively affecting my reputation, creditworthiness, and overall financial standing. I am disputing the accuracy, ownership, and validity of this account. 

XXXX. Reason for Dispute I have serious concerns regarding whether this debt belongs to me and whether the reporting party has any legal right to collect or furnish information about it. As of this date, I have not received proper validation, documentation, or evidence that confirms : The debt is mine ; The debt collector has the legal right to collect it ; The information being furnished is accurate, complete, and verifiable. 

XXXX. Violations & Concerns Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and to verification of any alleged debt being collected or furnished to credit bureaus. Furnishing unverifiable or incorrect information is a violation of these protections. 

Despite my attempts to dispute the item directly with the furnisher/collector, I have not received the legally required level of documentation or proof. If they can not fully validate the account, they should not be reporting it. 

XXXX. Request to the CFPB I respectfully request that the CFPB : XXXX. Initiate a full investigation into the reporting of this account XXXX XXXX ]. 
XXXX. Require the furnisher to provide complete, itemized validation, including : Original contract or agreement bearing my signature, Complete chain of title / proof of assignment, Itemized accounting of the alleged balance, Evidence the collector has legal authority to collect or report this debt. 
XXXX. If the furnisher can not provide clear, complete, and XXXX XXXX verifiable proof that this account belongs to me and that their reporting is accurate and compliant, I request immediate removal of this account from all credit reports. 

XXXX. Outcome Requested I am seeking either full validation of the alleged debt or permanent deletion of the account from my consumer credit reports due to lack of verification and the damage this unproven item is causing. 

Thank you for your attention and for ensuring consumer protection rights are upheld. I am requesting prompt action and resolution. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX nv ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: PR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of XXXX % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MT

Complaint narrative:
I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXXXXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate personal information appearing on my credit reports with Experian, TransUnion, and Equifax. The reports are showing addresses, names, and employment information that do not belong to me. These inaccuracies are not minor they have the potential to impact my credit, cause misidentification, and create long-term issues if they are not corrected immediately.

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 2025-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
EdFinancial and XXXX on several occasions re-emphasized to me that all my loans are XXXX. Today EdFinancial claims I owe {$100000.00} by XX/XX/year> and no interest rate or schedule. I cant make a payment plan because XXXX still says all my loans are XXXX. So basically, Im about to be in default for a loan XXXX cant pay and that they swore was XXXX. They kept refunding my payments. I couldnt get a plan because I had no balance. I have multiple communications stating that. I should not be in default for their incompetence. And I should not have a payment of {$100000.00} in XXXX days when they just changed this balance today. They also show interest as XXXX but accrued interest somehow?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX and XXXX are both charging me for merchandise I never received, and neither company has provided any meaningful assistance despite multiple attempts to resolve the issue. 

The package was marked delivered by XXXX, but I did not receive it. The delivery proof is extremely generic and does not clearly show my home, my door, or any identifiable feature confirming the package was delivered to my possession. A XXXX  scan only proves that a package was left somewherenot that I personally received it. 

XXXX refuses to issue a refund or replacement, even though : XXXX. The seller is legally responsible for the order until it is in the customers possession, not simply until the carrier performs a scan.

XXXX. The evidence XXXX  provided does not confirm correct delivery. 
XXXX. I immediately reported the issue. 
XXXX. The package may have been misdelivered or stolen. 

I also opened a claim with XXXX, but XXXX can not prove it was delivered to me, nor can they match the photo to my residence. 

XXXX also chose to ship the order without requiring a signature or secure delivery, which directly increases the risk of theft. Because they selected an unsecured delivery method, the loss should not fall on me. 

XXXX has been equally unhelpful. Despite explaining that I never received the merchandise, XXXX continues to insist that the merchants tracking is sufficienteven though it does not prove I actually received the item. XXXX refuses to credit my account, cancel the order, or investigate beyond relying on the retailers incomplete delivery evidence. Their refusal to assist violates fundamental consumer protection standards for goods not received. 

At this point, both companies are attempting to hold me financially responsible for products I never receivedeven though neither XXXX nor XXXX can prove they ever reached my possession. 

XXXX Requested : A full refund of the undelivered merchandise Cancellation of all charges through XXXX  Protection from being held liable for items never received Enforcement of proper consumer protections that XXXX and XXXX have failed to uphold Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A week ago, I realized my credit score had dropped by XXXX points because XXXX reported a student loan in forbearance. 

This violates my customer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681-s2 of the FCRA ) and potentially the Fair Debt Collection Practices Act. 

Furthermore, it is well-known, and I have experienced it, that XXXX is not answering their customer service lines, and there is no other way to seek a resolution than reporting this with the Consumer Financial Protection Bureau 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 2025-12-05 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: IL

Complaint narrative:
A week ago, I realized my credit score had dropped by XXXX points because XXXX reported a student loan in forbearance. 

This violates my customer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681-s2 of the FCRA ) and potentially the Fair Debt Collection Practices Act. 

Furthermore, it is well-known, and I have experienced it, that XXXX is not answering their customer service lines, and there is no other way to seek a resolution than reporting this with the Consumer Financial Protection Bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
Please check this entry ; its late and could be inaccurate.

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 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NM

Complaint narrative:
Everytime I make an extra payment above what my normal payment is this company charges in excess of XXXX XXXX of the extra payment as a fee. I didnt sign an agreement with this company, they purchased the debt from Mosaic and then they claim that I owe it to them as interest when the interest yearly is clearly stated as XXXX  % and this fee was not declared initially in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am submitting to follow up on a dispute I submitted last dispute regarding my XXXX XXXX XXXX account, account number XXXX, which continues to be reported inaccurately across TransUnion, Equifax, and Experian. Despite my prior dispute, the account shows late payments that do not align with my records, and the reporting is inconsistent across the XXXX credit bureaus, which is both confusing and damaging to my credit profile. I am requesting a thorough reinvestigation and correction of this account in full compliance with federal law. 
On TransUnion, the account is reported with a balance of {$1000.00}, an open date of XX/XX/XXXX, and last activity on XX/XX/XXXX, with a XXXX late reported in XX/XX/XXXX. On Equifax, the same account shows a balance of {$1000.00}, an open date of XX/XX/XXXX, last activity on XX/XX/XXXX, and XXXX XXXX late payments reported in XXXX and XX/XX/XXXX. On Experian, the account again shows a balance of {$1000.00}, an open date of XX/XX/XXXX, last activity XX/XX/XXXX, and a XXXX late reported in XX/XX/XXXX. These discrepancies between the bureaus make it impossible for me to understand my true account history and unfairly misrepresent my creditworthiness.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

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 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: IL

Complaint narrative:
They keep calling to collect debt, I have continually asked for a legal document to be sent that says I owe the money I have provided them with my home address and told them that I want the legal document to be sent over mail and they have repeatedly refused to saying that its a past matter and I owe them the money today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-12-05 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection account is appearing on my TransUnion credit report that I do not recognize and do not owe. I have no knowledge of this debt, and it may be a result of fraud or identity theft. I am requesting that this account be investigated and verified with the creditor. If it can not be validated, it should be removed from my credit report in accordance with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Let me be clear that this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are exerting a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not only necessaryit is critical.

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
I was sent this text several times missing the full mini XXXX. 

with our flexible payment options, there is no reason to delay resolving your XXXX XXXX XXXX, XXXX. ( XXXX XXXX- for which the current creditor is XXXX XXXX XXXX ) account. Check out your options at XXXX XXXX XXXXXXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Purchase custom blinds from XXXX XXXX then arrived damaged, XXXX XXXX wouldn't return because they are custom. Told American Express, they told me to return them again. Tried returning them again. Told again, can not return a custom order

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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