vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: TX

Complaint narrative:
This morning ( XXXX XXXX ). I received a call from a debt collector who I believe was XXXX management saying I owe money on a XXXX XXXX credit card. To the best of my knowledge I have never had a XXXX XXXX credit card through XXXX XXXX from XXXX. At one time I had a XXXX XXXX and a XXXX card through them. I asked for them to send proof that I owe the debt and the lady refused saying it was past that point. The lady on the phone would not let me talk and kept talking over me and was very demeaning. It seemed like she was trying to trick me into reaffirming the debt since its from XXXX and is time barred. I said multiple times that I didnt think the debt was mine but with the lady talking over me not sure my denial was recorded properly. They also shortly afterwards sent me a email wanting my signature another indication that they are trying to trick me to reinstate a time-barred supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
After nearly 20 years with PHH Mortgage, I am paying off the mortgage. I procured the payoff instructions as directed by PHH ( by FAX machine ). I sent a wire per their instructions a week ago and have XXXX  Reference numbers confirming the transfer. Despite calling the company a number of times and emailing their " payoff '' department, I can't get a response. All service appears to be overseas and outsourced. It's hard to understand their thick accents, and they keep saying " it will be updated SOON ''. I have suffered through their poor service over the last two decades, but I'm worried that the company is now refusing to acknowledge the $ XXXX XXXX sent. Something is wrong with this company. Shockingly poor service bordering on malfeasance. Do not let these people buy or service your loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by Aidvantage. According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Account rating line, and shows a past due amount which creates a discrepancy that misrepresents my account activity. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, I respectfully request that Aidvantage immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies, on all student loans reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several 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 2025-06-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, Yesterday, I deposited my hard-earned money into the bankmoney I worked tirelessly to earn through honest plumbing work. Today, I was shocked and frustrated to learn that my funds wont be available until XX/XX/year>. Ive been doing consistent plumbing work for this company since XXXX, and all my checks have been deposited into this same account without issue. 

I kindly asked the representative to review my past deposits to confirm that the payor is the same. After being transferred from international to XXXX support, I received the same response with no resolution. I even visited a branch in person, hoping someone could understand the urgency and help. 

Plumbing is hard workphysically demanding and critical for peoples homes. I depend on this money not just to live, but to buy materials for the jobs Ive already committed to. Holding it for a week puts me in a very difficult position. This situation is unfair and incredibly stressful. 

Please help me resolve this as soon as possible. I truly dont know what else to do. 

Thanks for your help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am filing a formal complaint against Experian for failure to delete fraudulent accounts and unauthorized inquiries resulting from identity theft. I have submitted a full packet of documentation including an FTC Identity Theft Report, police report, government-issued ID, Social Security card, proof of address, and a legal dispute letter from my attorney. These items were submitted through Experians document upload portal, with confirmation received.

The fraudulent information includes multiple accounts and inquiries that I did not authorize, many of which were opened using my stolen personal data during the Equifax data breach. Under 15 U.S.C. 1681c-2 of the FCRA, Experian is required to block this information within four business days. A fair resolution is the immediate and permanent deletion of all fraudulent accounts and inquiries and written confirmation that they will not be reinserted.

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 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Fay Servicing, which took over the servicing of my mortgage in XXXX. Since the transfer, I have experienced significant customer service failures and miscommunication that led to my mortgage being wrongfully marked in defaultdespite my XXXX history of never missing a payment. 

In XXXX, I contacted Fay Servicing and was explicitly told by a representative that my existing automatic ACH payment setup ( transferred from my previous servicer, AD Mortgage ) would continue without interruption. I was informed that no further action was required on my part and that my payments would be automatically withdrawn. 

Trusting this information, I expected the XXXX mortgage payment to be processed. However, it was not. It was only through my own repeated efforts and follow-ups that I discovered the payments were not being deducted and that my account had been placed into default. This is despite my attempts to proactively contact Fay Servicing to resolve the matter. 

I also sent a written email to Fay Servicing on XX/XX/XXXX expressing my concerns, but I received no resolution. Despite making all outstanding payments and setting up XXXX again, Fay Servicing refuses to remove the default-related fees, which currently amount to over {$3800.00} plus a daily interest charge of {$90.00}. They have instead offered to defer these fees to the end of the loan termonly if I accept responsibility, which I firmly dispute. 

I am requesting that : My account be immediately removed from default status, All associated late/default fees be waived, No negative credit reporting be made, and A written response be provided confirming the resolution. 

This default is entirely the result of XXXX XXXX misinformation and lack of support. I should not bear the financial or reputational consequences of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I made a claim on XX/XX/XXXX, about my XXXX account being hacked and I had over {$120.00} charged over the time of a few days, which I did not place. Bank of America credited me for the unauthorized funds and determined that they were going to charge my {$100.00} of the {$120.00} which wasnt authorized and now my account is negative {$100.00}. I dont have the funds to cover these unauthorized transactions and I have children I need to by necessitys for as well as bills that need to be paid.

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 monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Early XXXX A representative called about refinancing from Rocket Morgtage Sent everything they requested then sent another years tax info so the had XXXX and XXXX tax returns. XX/XX/XXXX on or about they didn't think I had a new company. For XXXX weeks they kept asking for A letter from my CPA stating the the XXXX tax return was a seperate business They could not figure it out. I spoke with XXXX for 30 plus minutes on XXXX and we got the new business and win # and letters from my XXXX with the closing of one business and open a new business. 
We finally got that solved. Then They asked for proof that I had a business. Sent them copies of checks deposited including a XXXX dollar check for the training, XXXX XX/XX/XXXX XXXX wanted a letter for my CPA that my title was different. I train and I also do some small landscaping jobs. I earn ruffly XXXX plus XXXX from social security. 

This has become a ridiculous amount of requests The loan was ready to close after they clarified the business was for real. and I had income. 

I am completely stressed out. XXXX XXXX and feel like they have discriminated a senior. 
Also the amount of stress this has caused is unreasonable. I am a XXXX wreck. 

I withdrew the loan today after the finally broke me with requests.. 
To make it worse Rocket Holds my Morgtage and they Know I pay XXXX  a month. the new XXXX was going to be less. They have truly mistreated me with a statement the loan would take XXXX weeks to close. 
I do not know what to do. Should I sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute and complaint regarding the following account reported on my credit history : * Account Name : CARTER-YOUNG INC XXXX Account Number : XXXXXXXX XXXX Account Type : Collection * Responsibility : Individual * Date Opened : XX/XX/XXXX * Status : Collection account, {$790.00} past due as of XX/XX/XXXXXXXX  * Balance : {$790.00} * On Record Until : XX/XX/XXXXXXXX  I dispute this debt in full. Despite my validation request, CARTER-YOUNG INC has failed to provide any documentation bearing my signature or authorization that links me to this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), any unverifiable information must be removed immediately from my credit report. 

Because the company can not prove that I authorized or signed for this debt, I demand that this account be permanently removed from my credit history immediately. 

Please confirm once this removal has been completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My repeated requests to correct and remove false information from my credit report have been ignored or denied. As a consumer, Im fully aware of my rightsand those rights are being violated by the continued reporting of inaccurate data that does not meet the standard of maximum possible accuracy. This is damaging my credit score and having a serious negative impact on my life.

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