vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
My state-issued XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX / Fiserv, card ending XXXX ) was stolen, fraudulently activated, and completely drained by a third party. I never received the card, never activated it, never accessed the account, and never agreed to any cardholder terms or arbitration clause. 

Despite this, the fraudster was able to : activate the card in my name change the phone number on the account change the email address receive one-time verification codes withdraw all state XXXX funds trigger an internal serious security issue flag XXXX XXXXFiserv never notified me at any point. All of this occurred before I had possession of the card. 

XXXX XXXX/Fiserv failed to authenticate identity, failed to detect a full account takeover, and failed to safeguard my government XXXX benefits. 

Although I filed multiple fraud and identity theft reports ( Police, XXXX Mail Theft, XXXX Identity Theft, NJDOL, IC3, FTC, CFPB ), XXXX XXXXFiserv closed my dispute stating no error occurred and claiming that funds were credited back. This is false. I only received partial provisional credits. I am still missing the remaining funds. 

XXXX XXXX has not provided : a full transaction history activation logs ( date/time/IP/device/location ) records of email/phone changes addresses/emails on file at mailing, activation, and dispute closure documentation relied upon in their investigation the remaining missing funds any supervisor contact These items are required under the Electronic Fund Transfer Act ( Regulation E ).

Their no error determination contradicts Reg E, the evidence, and XXXX XXXX own statements acknowledging a serious security issue on the account. 

This situation has caused severe hardship, especially as I was XXXX and relying on these benefits. XXXX XXXXFiserv is liable for : Negligence Violations of the Electronic Fund Transfer Act ( Reg E ) Failure to authenticate account changes Failure to notify me of suspicious or unauthorized activity Wrongful deprivation of state XXXX benefits Violations of the NJ Consumer Fraud Act Despite repeated requests, not all funds have been returned, and required Reg E documentation continues to be withheld.

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'I am submitting this complaint regarding inaccurate and incomplete information on my TransUnion credit report involving two primary accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of $XXXX  showing late payments in AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) with a reported balance of XXXX XXXX XXXX XXXX account contains overlapping and inconsistent late payment information that does not reflect my actual payment history, and documentation supports timely or partially credited payments for multiple months. The XXXX XXXX account contains incorrect dates of first delinquency and balances that do not match my records, and I have reason to believe the reporting fails to meet the accuracy requirements under FCRA 611, 623(a)(1)(A), and 623(b), as well as billing and validation protections under 15 U.S. Code 1666, 1666a, FDCPA 807-808, and DCPA 809. I have repeatedly requested verification and accurate updating of these accounts from both TransUnion and the furnishers, but the information remains unverifiable or outdated, potentially impacting my creditworthiness and access to financial services.'

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 2025-11-21 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: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized and inaccurate hard inquiries appearing on my credit reports with Experian and TransUnion. Specifically, XXXX CARD ( XX/XX/year> ) appearsXX/XX/XXXX on Experian, and XXXX ( XX/XX/year> ) appears on TransUnion. I did not authorize any of these inquiries, and they were conducted without my consent, violating FCRA XXXX, which grants me the right to dispute inaccurate or unauthorized inquiries. These inquiries also remain on my reports beyond the permissible time limits outlined in FCRA XXXX ( a ), constituting outdated information that must be removed under FCRA XXXX, and none of these inquiries were performed for a permissible purpose as required under FCRA XXXX ( a ). These inaccuracies have negatively impacted my credit score and financial standing, causing significant stress and potential harm to my ability to obtain credit. I request that both Experian and TransUnion conduct a full investigation, remove all unauthorized and outdated inquiries from my credit files, and provide written confirmation of the corrections.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX  continue to conduct itself in a way that was the subject of a cfpb complaint and a current class action. XXXX has sat on my fraud claim for over a month and the advocacy department found they have done not and denied a claim which the vender agreed with me that there was fraud. XXXX fraud department does not answer phone calls and often hangs up calls. XXXX Social Security should reconsider its contact with Comerca and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Under FCRA 1681i and 1681s-2, I am disputing inaccurate information. As required by law, you must investigate, correct or delete unverifiable or inaccurate reporting, and report this account as disputed.

15 U.S.C. 1681i Reinvestigation of disputed information This is the main law that protects you when your credit report contains inaccurate or incomplete information. 
It requires : A XXXX investigation by the credit bureaus Verification from the furnisher ( Credit Acceptance ) Correction or deletion if they can not verify the information Written results sent to you after the investigation 15 U.S.C. 1681s-2 ( a ) Duty of furnishers ( Credit Acceptance ) to report accurately This law requires Credit Acceptance to : Report accurate information Not report info they know is incorrect Update and correct info when they learn its wrong Report accounts as disputed when you dispute them Not use misleading or incomplete information

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 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am reporting multiple RESPA violations by Mr. Cooper related to the wrongful force-placement of insurance, inaccurate escrow calculations, and an inadequate written response that did not resolve the issue. 

RESPA Violations : XXXX. Failure to verify existing insurance before force-placing. 
Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). 
XXXX XXXX XXXX policy was active ( XXXX ), yet Mr. Cooper relied only on fax attempts and never contacted me or the insurer properly. 
XXXX. Force-placing insurance despite continuous coverage. 
Violates XX/XX/XXXXXXXX (XX/XX/XXXX ). 
I had valid coverage, but they added a high-cost lender-placed policy anyway. 
XXXX. Failure to cancel force-placed insurance after receiving proof of coverage. 
Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). 
I provided proof, and they still did not cancel the force-placed policy within XX/XX/XXXX days. 
XXXX. Failure to refund lender-placed insurance charges. 
Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). 
No refund was issued even though I had my own policy during the entire period. 
XXXX. Improper and inflated escrow calculations caused by servicer error. 
Violates XXXX XXXX XXXX. 
Their wrongful force-placement created an artificial escrow shortage and significantly increased my monthly payment. 
XXXX. Failure to properly investigate and respond to my dispute. 
Violates XXXXXX/XX/XXXXXXXX ( Notice of Error ). 
Their written response did not address why the renewal information was mishandled or why the force-placement remained. 
XXXX. Issuing inaccurate escrow disclosures and statements. 
Violates XXXX XX/XX/XXXXXXXX (XX/XX/XXXX). 
The escrow statement was incorrect because it included the wrongful force-placed insurance charges. 
XXXX. Causing borrower harm through servicer negligence. 
Violates XXXXXX/XX/XXXXXXXX (XX/XX/XXXX). 
Their actions caused payment shock, financial strain, and risk of delinquency through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE : {$2000.00}

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-21 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

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>

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 2025-11-21 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

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>

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 2025-11-21 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: NJ

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a summons for this debt without knowing I still owed it or a debt collector was involved. Debt consolidation program was supposed to take care of it. I have made repeated calls and XXXX email to XXXX XXXX XXXX to try to resolve this issue. The first and only time I spoke to someone was my initial call after I received the summons. I spoke with XXXX XXXX. I have made repeated call and left repeated messages and the will not call me back. I should not be penalized when I am trying to do my part but they are not responding. Not fair to me!

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 2025-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
we have been denied any type of remedies regarding our mortgage and escrow accounts through the service and lenders Citizenbank, despite all attempts to atone the situation, we have lost our credit, and we are currently in a chapter XXXX bankruptcy as a result of the damages which they are currently still continually increasing our rates when we have no taxes on our escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
XXXXTrying to refinance home. Carrington Mortgage doesn't now who owns secondary lean from bankruptcy.  Every time we call we get different answers.  HUD, USDA, or some Norton financial company.  All say they do not have a lean on my property,  my name or SSI # . XXXX XXXX has already gave up Trying and we run out of are XXXX  day open account expired( XXXX. They give me the same XXXX  telephone numbers over and over. All saying my info not in there system anywhere but it clearly shows I got a secondary lean from a bankruptcy XXXX  years ago from USDA OR HUD.  Called them all they can't find anything.  One customer service person said we don't actually file the lean we just hold on to it till payoff time. \XXXX XXXX has approved my refinancing and we can't get any direct information from anyone about who I owe money too . XXXX is the amount but nobody knows who I pay and any official paperwork so I can give XXXX XXXX  the info. XXXXPlease contact me for loan #'s and information I do have. Been going through this since XXXX .  Carrington Mortgage acting like it's not there problem .  My wife XXXX XXXX XXXX XXXX XXXX  has documents and all information.  She is available XXXX Please help  ."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT 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 XXXXXX/XX/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 2025-11-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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