vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to CARRINGTON MORTGAGE SERVICE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), CARRINGTON MORTGAGE SERVICE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since CARRINGTON MORTGAGE SERVICE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure CARRINGTON MORTGAGE SERVICE s immediate compliance with FCRA requirements. 
CARRINGMTG XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 very frustrated because my credit report shows accounts I do not recognize, which suggests a possible identity theft. 

I have tried contacting TransUnion many times, but every time I call, the agents are rude, lack empathy, and do not provide the help I need. They always tell me the same thing that they don't see any documentation and that I need to resend it but they never offer an effective or real solution. I am tired of going through the same process over and over with no progress. ACCOUNTS : 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 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I sent in a request to speak to a representative and they lied on XX/XX/XXXX I believe and they even tried to get my personal banking information and told me that they needed my whole routing information and they were gon na call me from a different number. When I have more questions they sent me to a Spanish speaker which I never asked for Then they escalated it to the city executive unit. They were not any more helpful. I spoke to an analysis, XXXXXXXX XXXX, which was very rude on XX/XX/XXXX. I believe she said my interest rate was supposed to be XXXX their statement that they just sent me said 19.74 % They are attempting to charge me more interest and I have the continually lied about everything and try to obtain my banking information from other numbers and Ive also attached my bank statement for reference on the ridiculous interest rate and how theyve been deceitful and unreliable

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 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to FLAGSTAR BANK dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), FLAGSTAR BANK has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since FLAGSTAR BANK did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure FLAGSTAR BANK s immediate compliance with FCRA requirements. FLAGSTAR BANK 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 2025-11-14 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: CONTRACT CALLERS INC
State: CO

Complaint narrative:
AFFIDAVIT OF XXXX XXXX XXXX Domicile : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : XXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern ( CFPB and relevant entities ) : I, XXXX XXXX XXXX, being duly sworn, hereby state under penalty of perjury : 1. * * Personal Identity * * : I am the consumer whose credit, reputation, and identifying information are at issue in this affidavit. My name, address, date of birth, and contact details appear above [ 1 ] [ 2 ] [ 3 ]. 

2. * * Nature of the Complaint * * : I am filing this sworn statement and complaint regarding inaccurate, incomplete, or unauthorized reporting of accounts and collection items by the following companies, as found on my credit reports from XXXX XXXX XXXX XXXX  as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract Callers Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This list may include additional named furnishers as reported by each bureau [ 1 ] [ 2 ] [ 3 ]. 

3. * * Consumer Law Citations * * : These actions and furnishers are subject to, and must comply with, the following : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Colorado Consumer Debt Collection Act ( CCDA ), C.R.S. 5-16-101 et seq. 

4. * * Statement of Facts * * : - Accounts and/or collection items from the above parties appear on my credit files without lawful basis or full compliance with statutory accuracy and dispute verification requirements. 
- I have previously notified the credit bureaus and/or furnishers of these disputes. Despite my efforts, certain items remain uncorrected or unverifiable. 
- These companies respond to disputes by stating that the information they furnish is verified and correct within the meaning of the FCRA, when in fact this is untrue and their reporting continues to violate my consumer rights under federal and state law. 
- I demand a lawful investigation and deletion, as required under FCRA 15 U.S.C. 1681i, and related statutes, for any item that can not be verified. 

5. * * Request for Relief * * : I request that you : - Investigate the reporting practices described. 
- Direct any data furnisher or collector who can not provide proper verification or who otherwise fails legal requirements to remove or correct the disputed information. 
- Take additional action as permitted by applicable law. 

6. * * Certification and Oath * * : I certify under penalty of perjury under the laws of the United States and the State of Colorado that the foregoing is true and correct to the best of my knowledge. 

XXXX XXXX XXXX XXXX Signature : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AE

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I am submitting this follow-up regarding my previous dispute concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading portrayal of my financial responsibility. 
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 XXXXXX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally requesting a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

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 2025-11-14 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: GA

Complaint narrative:
Was supposed to get 12 months XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  they did not fit and sent back to company. closed down before they receive them and filed bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am the victim of identity theft, and two fraudulent accounts were placed on my credit reports without my knowledge or permission. The accounts are : 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 I never opened these accounts, never authorized anyone to open them, and never received any benefit from them. I discovered these accounts during a routine credit check and immediately filed an FTC Identity Theft Report ( Report # XXXX ). * * These accounts have severely impacted my life. I have been denied credit, experienced higher interest rates, and suffered emotional stress and embarrassment from having fraudulent negative information connected to my name. I have spent significant time gathering evidence, filing reports, contacting furnishers, and trying to correct something I did not create. 

The reporting on these accounts is inaccurate and inconsistent across the credit bureaus. For the XXXX account, the Date of First Delinquency ( DOFD ) is missing, the account statuses conflict between bureaus, the payment history is different on Experian and Equifax, and TransUnion is missing payment history completely. The high balance and date fields do not match between bureaus, and key Metro 2 fields such as ECOA, Compliance Condition Code, and other structural fields are missing or mismatched. 

For the XXXX XXXX XXXX account, the DOFD is missing, the original creditor is not listed, furnisher identification data is missing, and TransUnion lists it as an open collection, which violates Metro 2 standard formatting. This account also appears nowhere in my personal lifeI have never received any letter, phone call, statement, or notice connected to this collection. It is also listed in my FTC identity theft documentation as fraudulent. 

I provided the credit bureaus with a full identity theft packet including my FTC Identity Theft Report, my ID, proof of address, and a written explanation. Despite this, the accounts remain and continue to cause harm. Under the FCRA, I have the right to an accurate report and a reasonable investigation. I believe no reasonable investigation was completed because the information on the accounts still conflicts across all three bureaus, and no supporting documentation with my signature was ever provided. 

These accounts do not belong to me, are the result of identity theft, and are being reported with multiple factual inaccuracies and Metro 2 compliance violations. I am requesting the CFPBs assistance in having these fraudulent accounts deleted from all credit bureaus so my report can be accurate and my financial life can return to normal.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OR

Complaint narrative:
In 2025, I was served with legal paperwork from XXXX, XXXX XXXX XXXX XXXX regarding an alleged debt. I filed court paperwork stating that my income is entirely from XXXX Veteran Benefits, which are federally protected from collection under 38 U.S.C. 5301 and related laws. Despite this, the company continued the lawsuit. 

After I informed the court and the agency in writing that my income is exempt, they filed another separate case against me for a different alleged debt. I again submitted court filings confirming that my only income is protected under federal and state law. The company has continued with both lawsuits regardless of this information. 

I also contacted the company by phone to explain my income status directly. During that call, their representative stated that they would continue pursuing collections until they are unable to get money from me. These actions appear to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by knowingly attempting to collect from protected income and continuing legal action after being informed multiple times of my exempt status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, four different unauthorized transfers totaling {$3300.00} were sent from my stolen phone via Bank of America XXXX XXXX. These transfers were disputed within 20 minutes, but my fraud claims on these transfers were denied. Despite unusual activity on the account ( I had never before sent multiple payments of such large amounts to anyone ), these transfers went through and the claims were denied.

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 2025-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX is a company who bought my debt from cashnetusa. They called me today threatening me saying if I don't pay {$2000.00} towards a debt they bought they I would be sued my credit would be messed up I wouldn't be able to buy a house a car get a bank account and so much more also they had people calling me from restricted numbers which I posted a picture of on here and also just legal marketing called and tried to violate my rights and ask my address what I do and a lot more. They wouldn't even let me make a payment plan as hard as this economy is. I told them I lost my job around the time I got the loan and right now and they don't care and there blowing up my phone and threatening my life and so much more this isn't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX Account # XXXX Alleged Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 
Alleged Debt Amount : XXXX To Whom It M

ay Concern : This letter is in response to your communication regarding the account referenced above. I formally dispute the validity of this alleged debt in its entirety and request that you provide competent evidence pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, I am aware that this account is being reported on my consumer credit reports. I hereby dispute the accuracy of this account with the credit reporting agencies under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

To fulfill your legal obligations, I demand that you provide me with the following information and documentation : 1. The name and address of the original creditor.

2. A complete payment history, starting with the original creditor, showing all charges and credits.

3. A copy of the signed agreement or contract tha
t created my liability for this debt.

4. Documentation verifying that you are licensed to collect debts in my state and proof of your legal authority to collect this specific debt on behalf of the original creditor.

5 Copy of the assignment of the debt 6. Bill of with the true and correct amount of purchase amount If you are unable or unwilling to provide this validation, you must cease all collection activities immediately and delete this account from all credit bureaus to which you have reported it. 

Please be advised that continuing to collect on this debt without providing validation, or reporting inaccurate information to the credit bureaus after receiving this dispute, constitutes a violation of both the FDCPA and the FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General, and I will pursue any and all legal remedies available to me. 

I expect a response within 30 days of your receipt of this letter, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
I was informed on XX/XX/year> that my account was restricted, I can not use my debit card in my checking ( spending ) account and I can not transfer funds. I asked what the reason for this was to customer support and they told me they could not give me an answer I just have to wait until XX/XX/year> while they are investigating my account. This is all of my hard earned money via direct deposit from my employer. I am unable to pay bills or fund my life for the next 4-5 days at a minimum because of this. They are giving me zero solutions or reading for the restriction. The only message I have got is they have restricted my account due to " Unusual activity '' shouldn't that be at my discretion?

Company response to consumer: Closed with explanation