vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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  Experian has inaccurate information for these accounts on my report including dates the accounts were opened, payment history, dates the accounts were closed, amounts owed and credit score.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: GA

Complaint narrative:
The account is already paid but keep calling me to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Over a 73-day delay in processing our HELOC loan with Rocket Mortgage, their negligence directly contributed to the worsening of our debt and ultimately led to the denial of our loan.

Our intent was to use the equity in our home to pay off high-interest obligations and regain financial stability. Rocket Mortgages mismanagement, including multiple conflicting loan estimates, a negligent appraisal later contradicted by a second appraisal, and repeated communication failures, directly caused this process to collapse. The extended delay materially harmed our financial position and pushed our debt-to-income ratio over the limit. Had Rocket processed our application efficiently and as initially represented, we would have closed before this issue arose. We believe the denial was a direct result of Rocket Mortgages own delays and mishandling. 


I have attached a concise timeline of events, every document provided by Rocket Mortgage, and correspondence via email/text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXXXXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

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 2025-07-04 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: Experian Information Solutions Inc.
State: LA

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 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 2025-07-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX and I entered into a loan agreement with XXXX, a division of First National Bank of Omaha, for {$69000.00} to be repaid monthly over 180 installments of {$600.00} at a APR of 6.49 % with the interest accruing daily.

In an effort to repay the loan early and accrue less interest, XXXX and I have been paying twice the monthly payment amount of {$600.00}. Each month we have made payments of {$1200.00} ( XXXX x {$600.00} = {$1200.00} ). From XX/XX/XXXX to XX/XX/XXXX, each payment of {$1200.00} we made was split in accordance with our contract between principal and interest based on the current balance of the loan and the interest accrued daily over that period of time. 

Around the XX/XX/XXXX timeframe, this changed. The organization made changes to the website XXXX and I used to make our monthly payments, and during this timeframe, all of our payments were being applied to principal. 

Then, around the XX/XX/XXXX timeframe, the company begin splitting our payment of XXXX in half with {$600.00} going to principal and {$600.00} going to interest. This was not in accordance with our agreement. When I asked how the company to show me the math of how they arrived at the portion to allocate to principal and interest, I was never given an explanation. They provided a statement of the payments made with a table showing the allocated payment between principal and interest, but they did not explain how they arrived at this allocation based on our agreement. This is not what was agreed upon in our contract. 

XXXX and I have always made payments either before any late fee penalties occur or before the due date of the monthly payment. 

I have also asked the company to provide an amortization schedule in an effort to have better visibility into if our payment is being made in accordance with our agreement. However, they have refused to provide this.

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 2025-07-03 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 am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection company named XXXX  automated collection has posted XXXX collections on my transunion with account XXXX XXXX XXXX XXXX XXXXXXXX. It appears to be an apartment complex which i never lived at and doesnt match the addresses listed on my transunion file

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 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The is a collection company named XXXX automated collections that has filed two collections on my experian. These collections seem to be an apartment complex where i never lived and is not even listed under my personal information as my address. The two accounts are XXXX XXXXXXXX and account XXXX XXXXXXXX

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 2025-07-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
I enrolled in a debt settlement program with Beyond Finance in XXXX XXXX. I was told that if I paid {$180.00} semi-monthly for 48 months, my enrolled debt of {$20000.00} would be resolved. Based on this, I stopped making payments to my creditors and followed Beyond Finances instructions to block creditor calls. 

I was not informed that over {$1500.00} in program fees would be taken from my account before any settlements were made. These fees were not clearly disclosed upfront. I only learned recently, through a statement and correspondence, that the majority of my payments so far have gone toward service fees, not debt reduction. 

In addition, I was not warned that my creditors could sue me during the negotiation period. As a result of following Beyonds advice to block creditor calls, I was unaware that a creditor had filed a lawsuit against me. Beyond Finance does not offer legal support or sufficient protections against this kind of risk. 

I am now being asked to increase my payment amounts, even though I enrolled under a fixed plan. This feels misleading and financially exploitative. I was told my payments would cover the program fully that has turned out to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, Experian, and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card ( XXXX ), XXXX, XXXX XXXX XXXX, AND XXXX  XXXX AND XXXX  XXXX BANKRUPTCY. All of the aforementioned accounts, collections and hard inquiries are the results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-07-04 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: CA

Complaint narrative:
I am disputing a collection account that has been re-aged on my credit report, which is a violation of federal law. The original delinquency date has been improperly modified, giving the impression that the debt is more recent than it actually is. This practice is misleading and prohibited under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It XXXX Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained bXXXX XXXX  Equifax, Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX PH : XXXX ( Any other phone number ( s ) should be removed ) Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file.

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships.

Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement.

I expect written confirmation of this change within 15 calendar days of receipt of this notice.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: KY

Complaint narrative:
I had placed a XXXX order for delivery. It was immediately canceled. I asked XXXX why and they said security issues. Said they fixed it and I should try again in 30 min. Did it again. Instantly canceled. The issue is XXXX placed a pre-authorization hold of {$270.00} and {$260.00} which is fine if they ever planned on fulfilling it. I received a cancellation email for both and that they have released the hold but my bank would release funds in 10 days. What? So I call my bank to have them removed at least one of the holds because that was ALL of my grocery money. That's it, I have no more. and they told me to send them proof of cancellation the amount, etc and I did that and they denied it about 15 times. Telling me it was insufficient and they couldn't help me. They told me XXXX was responsible for this and to wait 10 days for the hold to be removed. There is no hold. Nothing was charged, the orders were canceled therefore there should be absolutely no pending transactions for XXXX at all.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint Summary for CFPB Submission Product/Service : Credit Card Purchase Dispute ( PayPal Cashback Mastercard issued by Synchrony Bank XXXX Transaction Date : XX/XX/2024 Merchant : XXXX  ( third-party seller ) Details of the Issue : On XX/XX/2024, I purchased a XXXX  XXXX XXXX XXXX XXXX smartphone through an XXXX listing. The item was clearly advertised as a XXXX XXXX XXXX, including detailed specifications and photos. However, upon delivery, I received a completely different phone a XXXX  XXXX XXXX device which is a lower-quality, unrelated product. 

The product I received did not match the listing in brand, model, features, or value, constituting a clear case of misrepresentation. 

Efforts to Resolve the Issue : Immediately upon receiving the incorrect item, I contacted XXXX and requested a return. Although the listing stated the item was covered under the XXXX Money Back Guarantee, my return request was denied because the seller refused to accept the return. 
I contacted XXXX customer service multiple times and was assured that the issue would be resolved, but no action was taken. Eventually, I was referred to XXXX ( the payment processor used for the transaction ), who then referred me to Synchrony Bank, the issuer of the PayPal Cashback Mastercard I used for the purchase. 

I submitted multiple disputes to Synchrony Bank, providing clear supporting documentation including : Screenshots of the original XXXX listing Specifications of the advertised product Photographs of the item I actually received Despite all of this, Synchrony Bank repeatedly closed the dispute without providing a satisfactory explanation or solution. 

Problem with the Company : I believe that Synchrony Bank failed to properly investigate my credit card dispute, even though the transaction involved a misrepresented and materially different product. Their failure to enforce consumer protections under Regulation Z ( Truth in Lending Act ) left me with an unwanted and misrepresented item and no recourse for recovery.

Relief Sought : I am requesting a full refund of the disputed transaction. I also request that Synchrony Bank be required to conduct a proper and fair investigation of the evidence I submitted, and that appropriate regulatory action be considered regarding their dispute resolution practices.

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