vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I recently contacted Rocket Mortgage about removing PMI. We had already received an appraisal from 3rd party as part of a loan refinance consideration ( which we decided against ). Rocket Mortgage then stated we needed to do another appraisal for consideration of PMI removal. Rocket Mortgage required us to submit an FHA application, in which they would use the appraisal from that application process to determine value. We were told this would not impact our credit. ( It did count as an inquiry so it did in impact credit. ) Further, despite our appraisal coming in at the necessary value, Rocket Mortgage is now saying they never included any improvements with the appraisal, and that we would have to get another appraisal! This is non-typical practice to require multiple appraisals and I also question their integrity by forcing us to submit an FHA loan application as part of this process, as that also seems abnormal and unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX  and were sold to a trust for a pool of investors. 
Although XXXX XXXX  is acting as a service officer they illegally sold the debt to MIDLAND CREDIT MANAGEMEN I demand to see the chain of assignment and purchase agreement to see who really sold the debt to MIDLAND CREDIT MANAGEMEN If MIDLAND CREDIT MANAGEMEN does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2025, at approximately XXXXXXXX XXXX I visited XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. I used my Apple Card ( issued by Goldman Sachs ) to purchase a chicken salad and a seltzer, which should have cost {$17.00}. 

Instead, I was mistakenly charged {$2700.00}. 

When I realized the error, I returned to the deli the same day. The cashier said he didnt know how to fix the issue and told me to come back at XXXX XXXX  to speak with the manager. I returned at that time, but the manager also said he couldnt help and told me to contact my credit card company. 

I immediately contacted Apple Card and filed a dispute. 

On XX/XX/2025, the charge was adjusted to {$2700.00} a {$17.00} correction reflecting the proper purchase amount. However, I am still being held responsible for the remaining {$2700.00}, which is an unauthorized and incorrect charge. 

I have now been disputing this charge for over three months, and despite my efforts, the matter remains unresolved. The police informed me this is a civil matter and would not file a report. I believe this clearly qualifies as a billing error under the Fair Credit Billing Act ( FCBA ) and am requesting CFPB assistance in resolving it. 



Company Name : Goldman Sachs Bank USA ( Apple Card ) Product : Credit card Issue : Billing dispute charged wrong amount Amount in dispute : {$2700.00} Date of transaction : XX/XX/2025 Dispute initiated : XX/XX/2025 Partial adjustment made : XX/XX/2025 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-18 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: TX

Complaint narrative:
This letter serves as a formal demand for immediate deletion of all unproven claims and inaccurate data reflected in my credit report. As the furnisher of this information, you carry the legal burden to ensure that all reported data is 100 % accurate, verifiable, and fully compliant with federal reporting standards.

Under 15 U.S. Code 1681i and XXXX XXXX Compliance standards as mandated by XXXX XXXX, any deviation from complete and certified reporting constitutes a direct violation of my consumer rights. You are required to validate each disputed item with concrete, factual evidence. Failure to do so strips you of any conditional privilege to report such data. 

I am disputing the following inquiries due to lack of permissible purpose and verifiable authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am disputing the following account for incomplete, inaccurate, and unverifiable reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am fully aware of your ongoing practice of issuing form-letter responses to consumer disputes, regardless of the individual merits of the evidence provided. This practice is a potential violation of 15 U.S. Code 1681i, which requires you to conduct a proper reinvestigation of each dispute independently. If you continue to engage in blanket form-letter responses without addressing the specific evidence I provided, you are willfully disregarding my rights under federal law.

Your failure to act lawfully exposes you to legal liability. If this matter is not fully corrected, I will escalate this to my legal counsel and pursue appropriate remedies.

I expect written confirmation of deletion and an updated copy of my credit report reflecting full 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 2025-06-18 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:
This letter serves as a formal demand for immediate deletion of all unproven claims and inaccurate data reflected in my credit report. As the furnisher of this information, you carry the legal burden to ensure that all reported data is 100 % accurate, verifiable, and fully compliant with federal reporting standards.

Under 15 U.S. Code 1681i and XXXX XXXX Compliance standards as mandated by XXXX XXXX, any deviation from complete and certified reporting constitutes a direct violation of my consumer rights. You are required to validate each disputed item with concrete, factual evidence. Failure to do so strips you of any conditional privilege to report such data. 

I am disputing the following inquiries due to lack of permissible purpose and verifiable authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am disputing the following account for incomplete, inaccurate, and unverifiable reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am fully aware of your ongoing practice of issuing form-letter responses to consumer disputes, regardless of the individual merits of the evidence provided. This practice is a potential violation of 15 U.S. Code 1681i, which requires you to conduct a proper reinvestigation of each dispute independently. If you continue to engage in blanket form-letter responses without addressing the specific evidence I provided, you are willfully disregarding my rights under federal law.

Your failure to act lawfully exposes you to legal liability. If this matter is not fully corrected, I will escalate this to my legal counsel and pursue appropriate remedies.

I expect written confirmation of deletion and an updated copy of my credit report reflecting full 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
. I have previously disputed this account, and yet Experian and XXXX XXXX XXXX has failed to ensure the accuracy and integrity of the data reported, in direct violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-06-18 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: MD

Complaint narrative:
THERE HAS BEEN XXXX UNKNOWN ACCOUNT POSTED TO MY REPORT AS COLLECTIONS. NEVER HAD THAT ACCOUNT. SURELY ITS FRAUD!!! 


XXXX XXXX XXXX XXXX  {$1300.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
This complaint concerns the continued reporting of an account by XXXX Bank, account ending in XXXX, originally branded as XXXX XXXX, despite a clear legal and regulatory basis requiring its deletion. 

XXXX Proceedings : On XX/XX/XXXX, XXXX XXXX. XXXX was formally dismissed by the XXXX XXXX XXXX XXXX XXXX XXXX procedural failures and XXXX inability to validate the alleged debt. The court 's dismissal reflects lack of prosecution and the absence of valid documentation substantiating the claim. 

Account XXXX : A XX/XX/XXXX billing statement confirms the account was previously charged off with a {$0.00} balance. Yet XXXX continued to furnish derogatory data to the credit bureaus through XX/XX/XXXX, falsely representing the account as active with a balance of {$610.00} and a current charge-off status. 

Prior Dispute Efforts : Formal disputes were submitted to all three major credit bureaus. Despite overwhelming documentationincluding the courts dismissal order, evidence of non-validated debt, and proof of charge-offthe tradeline remains on file, in violation of the Fair Credit Reporting Act. 

FCRA XXXX XXXX Bank violated : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by furnishing data it knew or should have known was inaccurate.

15 U.S.C. 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation following notification of dispute.

15 U.S.C. 1681b ( f ) by continuing to report post-litigation without a valid permissible purpose. 

XXXX, XXXX, and Equifax are complicit in these violations by : Willfully maintaining an inaccurate and misleading tradeline. 

Failing to comply with their obligations under 1681i ( a ) to conduct reasonable reinvestigations and delete or correct incomplete information. 

Allowing continued publication of legal inaccuracy despite receiving court-backed evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
This complaint concerns the continued reporting of an account by XXXX Bank, account ending in XXXX, originally branded as XXXX XXXX, despite a clear legal and regulatory basis requiring its deletion. 

XXXX Proceedings : On XX/XX/XXXX, XXXX XXXX. XXXX was formally dismissed by the XXXX XXXX XXXX XXXX XXXX XXXX procedural failures and XXXX inability to validate the alleged debt. The court 's dismissal reflects lack of prosecution and the absence of valid documentation substantiating the claim. 

Account XXXX : A XX/XX/XXXX billing statement confirms the account was previously charged off with a {$0.00} balance. Yet XXXX continued to furnish derogatory data to the credit bureaus through XX/XX/XXXX, falsely representing the account as active with a balance of {$610.00} and a current charge-off status. 

Prior Dispute Efforts : Formal disputes were submitted to all three major credit bureaus. Despite overwhelming documentationincluding the courts dismissal order, evidence of non-validated debt, and proof of charge-offthe tradeline remains on file, in violation of the Fair Credit Reporting Act. 

FCRA XXXX XXXX Bank violated : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by furnishing data it knew or should have known was inaccurate.

15 U.S.C. 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation following notification of dispute.

15 U.S.C. 1681b ( f ) by continuing to report post-litigation without a valid permissible purpose. 

TransUnion, XXXX XXXX XXXX are complicit in these violations by : Willfully maintaining an inaccurate and misleading tradeline. 

Failing to comply with their obligations under 1681i ( a ) to conduct reasonable reinvestigations and delete or correct incomplete information. 

Allowing continued publication of legal inaccuracy despite receiving court-backed evidence.

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 2025-06-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$950.00}

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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
Lotane & Associates, P.A., a debt collection law firm, violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). A representative from the firm called me, XXXX XXXX, and proceeded to threaten litigation in a belligerent and aggressive manner. The collector also unlawfully contacted members of my family, attempting to collect an alleged debt without my express permission. These actions are clear violations of 15 U.S.C. 1692c ( communication with third parties ), 1692d ( harassment or abuse ), and 1692e ( false, deceptive, or misleading representation ). 

No written notice of the alleged debt was provided to me as required under 15 U.S.C. 1692g ( a ). I have not received any verification of the debt or proof of the collector 's legal authority to act in this matter. Their failure to provide proper validation and continued harassment is unacceptable and unlawful. 

I have sent a formal Cease and Desist and Notice of Non-Consent to Lotane & Associates, P.A., demanding they stop all contact and provide full verification and lawful proof of claim. I am now requesting the CFPB to investigate this firms practices and take appropriate enforcement action for their unlawful behavior and violations of federal consumer protection laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Been getting numerous rude calls. Receive a letter threatening to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been attempting for several months to downgrade my Citi Bank XXXX XXXX XXXX to a cards with a lower annual fee. The XXXX  time I called I was told that I could not downgrade the card because I had a payment within the last XXXX months that was ( even XXXX day ) past the due date. I waited patiently until the date Citi Bank claimed I was eligible to downgrade the card ( XX/XX/2025 ). I called on XX/XX/2025 to request a downgrade pf the card. I was again told that I could not downgrade the card due to " penalty pricing '' and I now have to wait XXXX XXXX  This will result in me accruing another annual fee that I do not wish to incur. I have adhered to their requirements and still they refuse to assist me. I feel I am receiving a bait and switch.

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 2025-06-18 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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