vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing a {$5100.00} homeowners insurance charge that Navy Federal Credit Union claims was meant to be paid from loan proceeds during the closing of my home equity loan. This amount was listed on a XXXX XXXX but was not included on the Final Closing Disclosure, which I signed and relied upon at closing. 

According to TRID regulations, only the Final Closing Disclosure reflects the binding terms of the loan. The {$5100.00} was not deducted from our cash to close, and Navy Federal did not remit it to our insurance provider ( XXXX ). They are now insisting that we pay it directly or accept an escrow shortage that would raise our monthly paymentsdespite this being a clear lender or settlement error. 

We acted in full good faith, signed documents based on the final disclosed terms, and should not be penalized for an internal error. Navy Federals insistence that we resolve this ourselves or accept adverse loan impacts is unfair and violates disclosure laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
b'This issue dates back to XXXX XXXX The twists and turns make this difficult to describe. I will do my best to summarize. \nWhen I discovered there was an escrow issue I reached out to Gateway in writing on XXXX XXXX XXXX I have since communicated with them in writing on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX at least. (There may be more written communication but I this is all I can find at this moment.) I have also spoken with them on the phone more times than I can count. During my second to last verbal communication I paid an extra XXXX and was told that would straighten out the payments going forward. (This is after I had paid them in excess of XXXX to make payments and bring the escrow in line. See original complaint below.) In my last verbal conversation someone called and told me everything was worked out and there shouldn\'t be any more issues. (I don\'t recall the date of that call but it was after XXXX XXXX.) In the XXXX XXXX written communication I questioned why XXXX  debited my bank account on XXXX XXXX for XXXX  while my payment should have been XXXX and then charged extra fees. I was told I would be contacted within two business days. I have no missed calls and have no voicemails so they can\'t say, "we called and there was no answer". \nWhen I checked my account on XXXX XXXX it showed my account was past due XXXX days and I owed XXXX XXXX XXXX XXXX XXXX I have received no written or verbal communication. \nI have communicated with XXXX  excessively and in good faith. I have made every extra payment they have requested. I have done everything they have asked. I feel like I am being harassed and taken advantage of.\nOriginal complaint I sent to the loan originator on XXXX  XXXX  after having no success in dealing with XXXX. \nI have reached my limit on dealing with Gateway Mortgage. They have been paid on time on time, every month, for XXXX XXXX years. They messed up my escrow through refunds and double charges for insurance. (The scenario is too convoluted to put in an email.) I spent several days getting it straightened out, I thought. Within a XXXX  day period I sent XXXX over XXXX in addition to them cancelling one of the escrow refund checks they issued to me that I never received. Now I am receiving collection calls and letters. It is a total mess and I have spent too much of my time trying to help them correct their mistakes. I have no desire to speak with another "customer service" representative. I need to speak with someone that has the authority to straighten this out with one phone call. I understand that resolving this is likely outside of your job description but I don\'t know where else to turn. I am hoping one of you can put me in touch with someone of authority at XXXX  that can resolve this issue.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I was involved in the XXXX  data breach and I am a victim of identity theft. There are unknown hard inquiries that are reporting to my credit reports. Transunion Credit Bureau is reporting XXXX hard inquiries that I did not authorize. I have no knowledge of the inquiries and they need to be removed immediately : 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

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 2025-05-27 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
am filing a complaint against XXXX  XXXX ( an Equifax XXXX ) for failing to fully correct inaccurate and unverifiable personal information in my consumer file, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a formal dispute and a request for a security freeze, requesting the removal of multiple incorrect addresses and name variants not associated with me. XXXX  responded with an updated consumer file dated XX/XX/year>, under XXXX XXXX XXXXXXXX. 

While they did remove the incorrect alias ( XXXX XXXX ) and the inaccurate address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX they failed to delete multiple additional addresses that are not mine and have no verifiable association to me. These are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( including all variations ) XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( multiple variations ) These addresses have never been associated with me, and I have provided current proof of address and identification. 

Under FCRA 1681i ( a ) and 1681e ( b ), XXXX  is required to conduct a reasonable reinvestigation and delete unverifiable or inaccurate data. Their failure to delete these addresses after a formal dispute shows a lack of proper reinvestigation and failure to ensure maximum possible accuracy. 

Additionally, I requested a security freeze on my XXXX  file, but I have not received confirmation that this has been applied as required under state law ( XXXX  XXXX ) and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
regarding an alleged outstanding balance of {$4700.00}. This amount is inaccurate and does not reflect the actual balance of the original debt. I am in possession of a signed, dated document from the original creditor which clearly verifies the correct balance owed and confirms that the amount claimed by the collection agency is false. 

This action constitutes a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt.

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 2025-05-27 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: NY

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! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-27 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had a problem with identity theft an I filed a police report an alot of stuff on my credit report is wrong according to Experian 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 2025-05-28 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: PA

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
on XX/XX/XXXX Nationstar Mortgage XXXX Mr Cooper sent me a XXXX cancelation of debt form ( enclosed ) from their company for my mortgage XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I wrote them for validation that this was true they promised a response but never responded, also kept sending statements due. On XX/XX/XXXX I reported this XXXX form as income per IRS guidelines on my XXXX tax returns ( enclosed ). On XX/XX/XXXX and XX/XX/XXXX, I sent a written request asking for a lien release of the property in which the debt was canceled. ( enclosed ). On XX/XX/XXXX, I got a notice of foreclosure from a law firm ( enclosed ) stating to represent Nationstar Mortgage XXXX Mr. Cooper asking for payment XXXX the debt representing Nationstar Mortgage XXXX Mr. Cooper, I also sent them a written XXXX with a copy of the XXXX cancelation of debt to let them knoww the debt has been canceled and to look into it. On XX/XX/XXXX the law firm responded with a copy of my mortgage promissory note that was all they provided. Nationstar Mortgage XXXX Mr. Cooper on XX/XX/XXXX Mr. Cooper sent me a XXXX quote, which is not what I requested, they refuse to acknowledge they canceled the debt of this mortgage and still asking for payment.

Company response to consumer: Closed with explanation