vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: DHI Mortgage Company
State: TX

Complaint narrative:
I submitted my FHA loan application with XXXX Mortgage around XX/XX/year>. From the beginning, I experienced significant issues with communication and professionalism. My original loan XXXX failed to respond to my application or follow up for several days, prompting a reassignment to a XXXX XXXX. Unfortunately, his tone and conduct were similarly dismissive, and my questions and concerns throughout the loan process were met with resistance or outright ignored. This pattern of conduct persisted despite my repeated attempts to escalate for support and resolution. 

A contractual agreement between me and my real estate agent for a {$3700.00} relet fee was disclosed early in my loan process and remained in place without issue through my clear to close on XX/XX/year>. Then, just XXXX days before closing ( XX/XX/XXXX ), XXXX suddenly flagged the verbiage, claiming no buyer credits could be paid to me. They requested the language be removed, and it was. My agent and I then entered a separate agreement outside the loan. 

However, later that same day, XXXX reversed course and insisted the funds must be documented in the loan disclosure, structured as a third-party payment to my apartment complex ( XXXX XXXX XXXX ), even though I had legally terminated my lease for cause due to habitability violations and provided proof of that. They stated the relet fee would now count as debt against me for compliance purposes and must remain in the file. 

On XX/XX/XXXX, XXXX informed me that to restructure this as a seller concession, I would need to bring nearly {$700.00} more to closing within XXXX hours. Despite my agent agreeing to increase his contribution to meet the full amount, I was later informed ( on closing day, XX/XX/XXXX ) that the file had to go back to underwriting again, causing a delay. 

That same afternoon, without notifying me, XXXX pulled my agent into a private conversation and pressured him to request that his broker restructure our signed buyer-broker agreement to show the relet fee would be paid directly to my former landlord. I was not informed or included in this conversation, and my repeated objections were ignored. 

To make matters worse, XXXX failed to notify me of a XXXX XXXX. wire cutoff deadline to fund and close that day. I was left waiting at the title office for XXXX hours, after they were technically closed- no clear communication, despite being ready and willing to close. 

DHIs actions not only disrupted my closing but also financially harmed me by interfering with a valid agreement between me and my agent, cutting his commission by thousands, and attempting to reroute funds without my authorization. I believe this conduct was retaliatory, discriminatory, and done in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have fulfilled the requirements set by Ally bank to qualify for their checking account {$100.00} new account bonus. This has been confirmed by their customer service team that I have met all the requirements. The customer service team does not have the ability to deposit the {$100.00} bonus amount into my account this is done by a secondary team called the back office team. The customer service team created a dispute case XXXX for me on XX/XX/year>. I have emailed over 10 times and called over 10 times. The case has been escalated many times. There is no response to my dispute from the back office team for over 2 months the customer service team states their is nothing they can do. I am hoping to get this issue mitigated or at least some response to my dispute via the consumer financial bureau.

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 monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
First and foremost, I have not ever gotten any of these papers like I have now in regards to a collection that I owe or it's in my name from XXXX that I have never had so in which this is a problem so I suggest get this cleared up because I do not owe anything. And I need this taken off.Because this is not me.It 's my address.It 's my name, but this is definitely not so let 's clarify this and get this right.Thank you very much for now, this I need to know where do I go further to clear this. Top, so send me a email call my number. I'm sure you have thank you clear it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Rocket Mortgage is reporting a XXXX late payment on an FHA real estate mortgage that was paid in full and closed with a {$0.00} balance as of XX/XX/XXXX. I requested documentation showing the due dates, payment history, and when the alleged delinquency occurred. No evidence has been provided. This late payment is inaccurate and negatively affects my credit profile, despite the account being paid in full. 
I sent a formal dispute under FCRA 611 and 609 requesting verification and correction. No documentation was sent in return. This violates my rights under the Fair Credit Reporting Act, and I am requesting removal of the inaccurate late mark. 

Dates involved : Account closed : XX/XX/XXXX Dispute submitted : XX/XX/XXXX Late payment reported : XXXX  days late prior to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and 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 non-monetary relief
Consumer complaint received 2025-07-26 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute inaccurate information reported by XXXX XXXX XXXX XXXX on my TransUnion credit report. It it showing XXXX hard inquires for this company over the course of a year and a half that I didn't make. From XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. This is a false representation of my credit history and needs to be addressed immediately. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( 2 ) ), I have the legal right to have inaccurate or fraudulent information blocked from my credit report. I am formally requesting that these XXXX XXXX XXXX XXXX inquires be removed and blocked from further reporting. Additionally, per Consumer Code 605B, you are obligated to investigate and correct any identity theft-related or inaccurately reported information. Failure to comply violates my consumer rights. 

This is a false representation of my credit history and needs to be addressed 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 non-monetary relief
Consumer complaint received 2025-07-26 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing a debt being reported by Portfolio Recovery Associates in the amount of {$450.00}. I do not recognize this account and have no contractual relationship with Portfolio Recovery. I did not authorize this debt, nor was I ever notified directly by the company regarding its origin. 

I submitted disputes to all three credit bureaus XXXX XXXX XXXX  and XXXX XXXX, and the account was verified without Portfolio Recovery providing any supporting documentation such as a signed agreement or itemized statement of charges. I requested validation of the debt, but no documentation was sent to prove this debt belongs to me. 

This account is negatively affecting my credit profile, and I believe it is inaccurate and should not be reported without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue is saying that I owe them {$1600.00} for emergency services on XX/XX/year> that I have a payment plan already set up for and have paid month after month on time. The exact bill they sent me is one that I never received. The only way I knew about this bill was because I saw it on my credit report as a new collection account. I took it upon myself to write them a letter stating that I never once received a phone call nor a bill about that account number or amount that they disclosed to me. My bill with the actual XXXX that I went through is on a payment plan as I have stated previously. As of now, the collection is still on my credit report and I have not received a second letter from them although I have already sent two.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NC

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 2025-07-26 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: TX

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

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 2025-07-26 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: NC

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 2025-07-26 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: NC

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