vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading information being reported by the three nationwide credit bureaus ( Equifax, Experian, and TransUnion ). This is now my third round of disputes on these same accounts, yet the bureaus continue to report them with serious errors, inconsistencies, and unverifiable data. Each disputed account contains contradictory balances, incomplete payment histories, and reporting dates that do not align with accurate reporting standards. Despite my repeated disputes and supporting documentation, the bureaus still mark these items as meets FCRA requirements without providing verifiable evidence. 

This ongoing pattern violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to ensure maximum possible accuracy and to conduct proper reinvestigations. Instead, the bureaus have failed to make the necessary corrections or deletions, and their reports do not even match across all three profiles. 

A fair resolution would be for the CFPB to require Equifax, Experian, and TransUnion to conduct a full and fair reinvestigation of each disputed account, provide documented verification directly from the furnishers, and immediately delete any account that can not be verified with complete and accurate evidence. I am also requesting written confirmation that my files have been updated to reflect only accurate and verifiable information, and that all three bureau profiles are made consistent with one another.

This is my third round of disputes, and the continued inaction is causing ongoing harm to my creditworthiness and financial opportunities. I expect prompt corrective action and full compliance with federal 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 2025-09-04 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'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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} - XXXX XXXX XXXX XXXXXXXX {$0.00} - XXXX XXXX XXXXXXXX XXXX {$59.00} XXXX  XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 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'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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} - XXXX XXXX XXXX XXXXXXXX {$0.00} - XXXX XXXX XXXXXXXX XXXX {$59.00} XXXX  XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX an erroneous item appeared on my credit report, which I corrected immediately, yet American Express lowered my credit limits. Recently, three days after being told my review was complete, I verified all payments and balances during a call and was explicitly told I could use my card with confidence. Immediately after hanging up, I received an email lowering all my limits again. This cycle has repeated multiple times, affecting my personal and business accounts, preventing access to benefits and services. I have been a loyal member for 26 years and escalated the matter multiple times to Amex and the CFPB without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent account from my credit file as required by law. The account in question include is XXXXXXXX XXXX XXXX XXXXXXXX, which the banks confirmed would be deleted but remains on my report. This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Credit Card XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Account [ Last 4 Digits of Account Number XXXX ] Financial Hardship Program Complaint To Whom It May Concern, I am writing to formally file a complaint regarding my experience with Discovers Financial Hardship Program and the misinformation I have received from your representatives. 

In XX/XX/XXXXXXXX I was enrolled in Discovers Financial Hardship Program for a 12-month period due to my account being past due. Prior to the programs scheduled completion in XX/XX/XXXXXXXX XXXX I spoke with a Discover representative who informed me that, should I need additional time, I would be able to extend the program. Based on this information, I reasonably relied on the assurance that I could remain in the program and continue paying my balance in a manageable way. 

However, I recently contacted Discover and was told that I am not eligible to extend the program and must wait until next year to reapply. This directly contradicts what I was previously told. The misinformation has left me in an impossible financial position, as the interest rate on my account is unreasonably high. Paying over {$200.00} a month while the majority is applied toward interest rather than principal makes it unaffordable and prevents me from ever making meaningful progress on repayment. 

At this point, I do not wish to continue with this credit card account. My goal is simply to resolve the matter by either being placed into a continued hardship program, receiving a structured payoff plan, or negotiating a settlement. If Discover can not provide one of these reasonable solutions, I will have no choice but to let the account fall into collections, which I am desperately trying to avoid. 

This is not the first time I have had issues with Discovers handling of my account. I previously had to file a report with the Consumer Financial Protection Bureau ( CFPB ) after my account was closed due to a representatives failure to properly receive and process my documents. This repeated pattern of misinformation and negligence is unacceptable and has caused me great frustration and financial hardship. 

I respectfully request : Immediate review of my account and enrollment into an extended hardship or repayment plan, OR Negotiation of a fair settlement amount that allows me to resolve the balance. 

I would appreciate a prompt response in writing. Please consider this my formal complaint and my good-faith effort to resolve this matter before escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NV

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
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Company : Nationstar Mortgage LLC XXXX  Mr. Cooper Product : Mortgage Conventional Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX - XXXX. What happened? 

Mr. Cooper has imposed an escrow shortage of {$5000.00} and increased my monthly mortgage payment to {$4600.00} effective XX/XX/XXXX. They attribute this to increased property taxes and hazard insurance. 

However, their escrow analysis is inflated by errors made by the prior servicer. Specifically, in XX/XX/XXXX, Mr. Cooper disbursed catch-up property tax payments ( for XX/XX/XXXX and XX/XX/XXXX ) that the prior servicer failed to pay. While Mr. Cooper asserts those payments were corrected, they continue to carry them forward into current escrow shortage projections. 

This practice is unfair because it shifts responsibility for a prior servicers error onto me, the borrower, artificially inflating my escrow shortage and ongoing monthly payments. 


-- - XXXX. What steps have I taken? 

On XX/XX/XXXX, I submitted a formal written Notice of Error / RESPA dispute with county billing records and escrow transaction history. 

On XX/XX/XXXX, Mr. Cooper responded, admitting prior servicer errors but refusing to adjust the shortage. 

On XX/XX/XXXX, Mr. Cooper reiterated their position, citing tax and insurance increases, but again failed to separate prior servicer deficiencies from legitimate increases. 


Despite multiple requests, Mr. Cooper has not provided a month-by-month escrow reconciliation or a corrected escrow analysis excluding transition-related errors. 


-- - 3. What laws or rules apply? 

This matter falls under the Real Estate Settlement Procedures Act ( RESPA, 12 U.S.C. 2605 ). Escrow analyses must be based on accurate disbursements. A servicer may not inflate shortages or project negative balances based on errors that were not caused by the borrower.

-- - 4. What do I want as a resolution?

I am requesting : 1. A corrected escrow analysis based strictly on verified county tax bills and insurance premiums, excluding any prior servicer error adjustments.

2. A month-by-month escrow reconciliation worksheet for XXXX, showing how the shortage was calculated. 


3. Removal of any escrow shortage attributable to the prior servicers mistakes.

4. Written assurance that no negative credit reporting, late fees, or penalties will be assessed while this dispute is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, my Chase XXXX checking account was unexpectedly restricted due to alleged suspicious activity. I received no prior warning or explanation. I only use this account for everyday necessities and personal expenses. 
I called Chase customer service and was informed that my account would be permanently closed, and I would no longer be allowed to open any future accounts with Chase. No reason was provided. To confirm, I visited a Chase branch in person, where the representative reiterated the same information. I then proceeded to close my checking account. 
I also had a J.P. Morgan investment account. Chase informed me that I would be able to transfer the funds from this account and close it without issue and provided a phone number ( XXXX ) for assistance since I had been locked out of my Chase app and was unable to initiate the transfer myself. 
About a week later, I called J.P. Morgan to request the transfer of my investment funds to my XXXX XXXX checking account. I was then told that my investment account was under review by their " Back Office ''. No reason for the review was given, and they refused to provide me with a timeline or date for when the review would be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery contacted me regarding an alleged debt from XXXXXXXX XXXX. This same debt was previously placed with XXXX XXXX, which I disputed. Following my dispute, XXXX XXXX deleted the account from my credit reports. 
Now, Columbia Debt Recovery is attempting to collect on the same alleged debt. This is my first dispute with Columbia, and I have requested proper validation of the debt. At this time, they have not provided adequate proof that the debt is mine or that they have the legal right to collect it. 
Because this account was already disputed and removed from my credit report by a prior collection agency, I believe Columbia Debt Recoverys actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I am requesting CFPB assistance to ensure that Columbia Debt Recovery provides proper validation before continuing collection activity, and that they cease attempts to collect if they can not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
I am disputing a solar loan with Solar Mosaic , Inc., which originated from misrepresentations by a third-party solar sales/installation company, XXXX ( now XXXX ), viaXX/XX/XXXXXXXX XXXX. The financing was for 5 solar panels valued around {$10000.00} to {$22000.00}, but the loan was structured to cost nearly {$99000.00} by the end of the term. Utility savings promised never materialized. Never received the incentives that they promised. I am now in financial hardship, my property has a lien, and Ive filed a Proof of Claim in Mosaics XX/XX/XXXX bankruptcy case ( No. XXXX ). Im requesting investigation and regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year>XXXX I attempted to open a checking account online with Ally. They auto rejected my application and sent me a vague email stating that " We couldn't verify your identity. '' I have attempted to open an Ally account in the past and had the same result. I thought it was a weird glitch that they had, but apparently, they have blocked me from accessing an account with them, permanently. I attempted to contact them, but it was very difficult to reach an actual person. When I finally did, the person on the line kept arguing that there was nothing he could do, and there was no way for me to submit identity documents to them. In fact, during the front of an online application process, no documents were requested nor was I prompted to upload anything. They just shut me down automatically each time I have tried to apply, and I need to know why they are refusing to allow me to even apply with them.

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 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have a little over {$25000.00} in student loans. I repaid some a one time. But I have just been made aware that my personal information was breached and people who shouldnt have access to my loans have seen everything. I feel as if my personal rights have been violated, and that I should not have to pay these back,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX I had an auto payment setup to pay my bill. I believe it was around XX/XX/XXXX I received a letter that the payment did not go thru that there was a stop payment for the auto pay. On XX/XX/XXXX I made my payment with my bank account #. On XX/XX/XXXX I looked at my account and the payment looked like it was waiting to go thru, I decided that day to manually make a payment with my bank account #, that ended up going thru on XXXX XX/XX/year>. I receive a letter stating that my account was closed due to two missed autopay payments. I called synchrony and said that a stop payment was placed on both payments thats why it was closed. I called my bank and they have no record of any stop payments at that time. Also was told by the bank that if there was a stop payment in place then the actual payments that went thru would have not went thru. XXXX said it would be on the credit company side that the problem is.

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