vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CADENCE BANK
State: TX

Complaint narrative:
I have a loan from around XXXX years ago. The bank has changed hands a few times from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now it is Huntington Bank. The bank discovered that the structural insurance was non-renewed and claims to have sent multiple notices to me. I did not receive the notices. I did not receive an phone call from the bank stating that {$1100.00} would be added onto the loan. The fee was added onto the loan between XX/XX/year> to XX/XX/year>. The bank back dated the posting date to XX/XX/year>. 

I immediately called the bank and could not get through to my loan officer. I left a voicemail. I went to the bank on Monday, XX/XX/year> and discovered that because of the recent merger between XXXXXXXX XXXX and Huntington Bank, that all the loan officers and lending staff in XXXX XXXX where I live are going to be let go from the company. I imagine for this reason that there was no bank officer in the building to assist me. At the branch, I spoke to a very kind lending assistance and she tried to help me, but it seemed to be out of her control. She indicated that she would try to reach out to a decision maker, but did not have any luck when I spoke to her the next day. Then on XX/XX/year>, I called customer service. After some time explaining the issue, the employee connected the call to the XXXX XXXX branch where I spoke to the branch manager. The employee was helpful and understood my issue. She asked for a couple of days to sort it out. On XX/XX/year>, I entered an online chat with the bank to try to resolve the problem. This was not productive at all and the conversation felt very circular and went nowhere. It was very frustrating and not helpful. 

Today, I reached out to the XXXX XXXX branch again and I am still waiting for a response. 

In every conversation, I have offered to pay off the loan balance of {$80000.00} immediately if the {$1100.00} force placed insurance would be reimbursed. I was told by an employee if I paid it off, then I would be likely to receive a refund of around {$700.00} of the remaining insurance coverage that was not used. This is unacceptable since I do not need the insurance, nor did I agree to the insurance, nor is it logical since the policy has only been on my loan for a week, despite the back-dated posting date of the policy for XX/XX/year>. I was also told that the policy was back-dated to have an effective date in XX/XX/year>. Since I was told in the past ( years ago ) by bank employees that no money would ever be added onto my loan without a phone call, or clarity as to why the bank would arbitrarily increase my loan balance on this consumer real estate loan, I feel that this is Unfair and Deceptive. Even worse is that there is no one with decision making authority responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
I previously disputed late payment information on my credit report and filed CFPB complaints regarding the adequacy of the credit bureaus investigations. The companies responded but did not provide any documentary evidence substantiating the reported late payments. 

Despite prior disputes and CFPB involvement, the disputed information remains on my credit report. In some instances, information that had been deleted later reappeared, and the reporting reflects inconsistent dates. I was not provided notice or documentation supporting these changes. 

The credit bureaus claim to have investigated or contacted the furnisher, but they did not provide account-level payment histories, billing statements, contracts, verification records, or details regarding how the information was verified. As a result, I am unable to confirm the accuracy of the reporting. 

I believe the companies failed to conduct a reasonable investigation and failed to ensure the maximum possible accuracy of the information after prior disputes and regulatory complaints. I am requesting CFPB review of continued noncompliance and improper handling of my credit reporting dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MO

Complaint narrative:
My Escrow account always has enough money in it to meet their minimum requirements. The problem Amerinat creats every year since XXXX  is they pay Mortgage Taxes of XXXX over a month and a half before they are due. My taxes are due XXXX XXXX every year. They are deducting money from my Escrow Account in early XXXX. XXXX year they deducted on XX/XX/XXXX. This year they deducted on XXXX. 

This creates a negative Escrow balance. They then wait to for my account to go into a negative balance and then calulate my new Mortgage payment. 

They don't even contact me my e-mail, phone, or regular mail to at least notify me. I could easily add money to my Escrow as a lum sum amount. 

They pull this every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC
State: FL

Complaint narrative:
this account its not mine they have reported this account in my credit file i want this item to be removed asap Please

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 2025-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
My XXXX XXXX plan was in a trial payment plan by forbearance and was transferred to rocket mortgage on XX/XX/XXXX. I opened my account and found that it showed that I was past due and I was not able to make payments as I had been able to do on XXXX XXXX. I called and rocket mortgage does not have any information about my modification. Plan and had requested it from XXXX XXXX today. They still have not received anything from XXXX XXXX and I received a hand delivered letter from rocket mortgage showing that I am in default and if they have been unable to reach me, I had called them 3 to 4 times last week and had also made a phone payment for this month so I have not been unreachable and they have only been my loan service ever since XX/XX/XXXX. I called them today and they do not have any new information about my trial. Period and my loan is still showing to be in default which is incorrect. Please help. 
I called CFPB today and they advised me to make a new complaint with rocket mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CT

Complaint narrative:
Company : Equifax Information Services LLC Related Furnisher : XXXX XXXXXXXX XXXX ( XXXX  ) I am filing this complaint for willful violations of the Fair Credit Reporting Act ( FCRA ) by Equifax and the furnisher listed above. 

I disputed the reporting of XXXX XXXXXXXX XXXX  ( XXXX  ) Account # ( unavailable because all 3 bureaus have different account numbers. Equifax responded stating the account was verified as reported correctly, while simultaneously admitting that a material field was changed during the investigation : the closed date ( Additional Information Closed Date ). 

If the account required modification, it was not accurate as previously reported. Equifax failed to disclose the prior closed date, failed to explain why it was changed, and failed to provide documentation supporting the revised data. This constitutes a failure of reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) and a violation of 607 ( b ) ( maximum possible accuracy ).

Additionally, Equifax did not provide the method of verification required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including the source of the revised closed date, the documentation relied upon, or how the new date was verified. Silent data modification during a dispute without consumer disclosure is procedurally defective and misleading. 

Because the account is a structured installment credit-builder loan with fixed terms, the closed date should be determinable and not subject to undocumented revision. Equifaxs actions demonstrate reliance on furnisher assertions rather than independent verification, in violation of XXXX v. XXXX standards. 

I am requesting that the CFPB require Equifax to either : Provide full documentation supporting the revised closed date and reinvestigation methodology, or Delete the tradeline due to unverifiable and improperly reinvestigated data. 

I am also requesting confirmation of corrective actions taken to prevent undisclosed data modification during disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
I am facing a very difficult time as a victim of identity theft. These accounts were opened without my knowledge or consent. This ongoing fraudulent activity is causing me significant distress and disrupting my daily life. 

The accounts include : XXXX XXXX XXXX - Auto Loan - Opened in XX/XX/XXXX XXXX - Mortgage - Opened in XX/XX/XXXX DPT ED/XXXX - Installment Educacional - Opened in XX/XX/XXXX DPT ED/XXXX - Installment Educacional - Opened in XX/XX/XXXX DPT ED/XXXX - Installment Educacional - Opened in XX/XX/XXXX DPT ED/XXXX - Installment Educacional - Opened in XX/XX/XXXX XXXX ED/XXXX  - Installment Educacional - Opened in XX/XX/XXXX XXXX ED/XXXX  - Installment Educacional - Opened in XX/XX/XXXX XXXX ED/XXXX  - Installment Educacional - Opened in XX/XX/XXXX DPT ED/XXXX - Installment Educacional - Opened in XX/XX/XXXX 2016

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 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Pro Collect, XXXX continued collection and credit reporting of an unvalidated debt. 

I initially disputed this debt in writing and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, on XX/XX/XXXX. 

On XX/XX/XXXX, Pro Collect responded by providing a copy of the lease and a list of charges ; however, this response failed to validate the alleged damages forming the basis of the claimed balance. No photographic evidence, inspection reports, invoices, receipts, XXXX estimates, or complete itemized accounting were provided. 

Later on XX/XX/XXXX, I replied with a final written demand requesting documentation to support the inaccurate and disputed charges. Pro Collect responded the same day stating : We received your recent submission of collections. You should receive an acknowledgement for the accounts placed around 714 days. No further response or documentation was ever provided. 

Since that date, Pro Collect has ceased communication and has never produced the requested validation. 

XXXX charge in particular remains wholly unsupported : XX/XX/XXXX Move-out damages : entire carpet damaged by pet staining, replacement required {$1600.00}. 

The lease provided by Pro Collect does not list any dogs or other pets as authorized or present in the unit. No pets were permitted under the lease, and no dogs were kept in the unit at any time. Despite this, Pro Collect alleges pet-related damage without providing documentation establishing the presence of a pet, the condition of the carpet at move-out, or that the alleged damage exceeded normal wear and tear. 

Because Pro Collect failed to validate the debt despite repeated requests, I disputed the account with Experian. Rather than providing validation or correcting the inaccurate balance, Pro Collect verified the account as updated with Experian, without adjusting the amount or supplying any supporting evidence. This constitutes continued collection and furnishing of information regarding a debt that remains unvalidated. 

Pro Collects actions violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ) and 1692e, and the Fair Credit Reporting Act by furnishing inaccurate or unverifiable information to a consumer reporting agency.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On XX/XX/year>, I formally disputed the accuracy of a credit account appearing on my TransUnion consumer report. TransUnion responded by stating the account was verified as accurate. However, TransUnion failed to disclose the method of verification, the identity and contact information of the data furnisher, or any documentation demonstrating that a reasonable reinvestigation was conducted.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested TransUnion provide the complete method of verification, including the procedures used to verify the disputed information and the source of the verification. TransUnion did not provide this information.

A conclusory statement that an account was verified does not satisfy XXXX statutory duty to conduct and disclose a reasonable reinvestigation. The failure to provide the method of verification indicates non-compliance with federal law and suggests reliance on furnisher data without independent review. 

XXXX actions constitute violations of, but are not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to disclose the method of verification 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy I am requesting immediate deletion of the disputed account or, in the alternative, full statutory compliance, including written disclosure of the complete method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-18 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: MS

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-18 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: MS

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo was instructed to not renew a CD prior to maturation. Funds were reinvested without any notification to a highly substandard rate. Multiple international calls were made from my military base in XXXX to Wells Fargo at my expense to request the funds be returned. This was refused unless I visit a branch which doesnt exist in my current country or even my continent. Ive received XXXX response after XXXX  days and verification Well Fargo received the request and prior complaint from XXXX. They are aware the behavior is injurious and refusing reasonable accommodation to return funds and continue the injury to the customer.

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