vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
THIS IS FOR A REFI WITH ROCKET MORTGAGE. I was late on my mortgage payment to ROCKET MORTGAGE for XX/XX/year> while waiting for funds from my conventional refinance. On XX/XX/year>, I received my updated Loan Estimate, which indicated that I would be receiving {$1500.00} back from a total of {$45000.00} after my creditors were paid. Then, on XX/XX/year>, just three days before the closing on XX/XX/XXXX, I received my Closing Disclosure and noticed that I would only be receiving {$360.00}.

I reached out to the loan officer assigned to my loan, not the closing team, to inquire about the discrepancy between the {$360.00} and the original {$1500.00} amount. The loan officer explained that part of the funds was allocated to cover my late payment. However, I was not informed that {$1100.00} would be applied to the principal. 

After my XXXX check was deposited on XX/XX/year>, I went ahead and made the late payment myself. I called Rocket Mortgage again for clarification and was told that the payment would be applied to the principal, but I still needed to make the XX/XX/year> payment. Had I known that this payment was going toward the principal, I would have asked Rocket Mortgage to delay the lower amount paid to one of my creditors noted on the Closing Disclosure.

I signed the Closing Disclosure based on the loan

officer 's statement that some of the {$1100.00} would cover the late payment. I chose to make the late payment to avoid it being reported as 30 days late to credit agencies. This situation feels deceptive, and as a new loan officer, I find this practice concerning.

I was also charged a {$190.00} Appraisal Maintenance fee that was not on the loan estimate. 

The loan officer understood in the beginning I needed extra funds to complete a remodeling project on the inside of the home. I was not afforded the opportunity to make changes to my Closing Disclosure and would have. I contacted them 3 days before closing. These changes could have been made. 

I would also like to add that I am a new MLO. I understand the rules of 0 and10 % tolerance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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:
I must emphatically state that this complaint is not a mistake and demands your full attention. 
My credit report contains glaring inaccuracies that fail to meet the required standard of maximum possible accuracy. 
These errors are severely burdening me and relentlessly impacting my life in profoundly negative ways that are unimaginable to others. 
These are extraordinarily challenging times, and correcting or removing these inaccuracies is not just helpful it's an absolute necessity that would be a true blessing.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
Credit card I had with this company was used by individual other than myself without permission in which payments, fees and interests was not paid. Requested the information and to be put in contact with the appropriate department. Every time transferred came with automated message saying can not be connected and the phone call ends. However this company closed account and reported the information onto credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

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. CXX/XX/XXXXe 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$93.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a bank account with Chase bank approximately XX/XX/year> I deposited 2 Checks from Life Insurance Policies that I was the Beneficiary of. I opened a Checking Account and a Savings account since I opened the accounts I withdrew money to purchase a vehicle and got Insurance coverage for that vehicle from that account I also used my banking App to do anything necessary I had to do such as : XXXX, make purchases from companies for items I need, and use my Debit card for withdrawals or purchases. Regular transactions for everyday items. Today XX/XX/year> I received an email from Chase saying that my account was being closed. I called them and I was told by a representative they decided to close my accounts and they did not have to disclose the reason why they made the decision and I have to XX/XX/year> to withdraw my money from the Bank because that will be the effective closing date. I feel like the bank is discriminating against me and I dont know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Cease & Desist / Debt Validatoin Request Acct No. XXXX Original Creditor : XXXX Reported Balance : {$110.00} Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX To Whomever it May Concern, This letter is being writen to formally request validation of the above mentiond account under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g and 1692c ( c ). Also please note this serves as a Cease and Desist notice for any futher contact outside written correspondence.

You are required to provide clear proof and documentaion showing that : 1. Jefferson Captial Systems has the legal right to collect on this account.

2. A signed contract or agreament between me and XXXX actually exist. 
3. An accurate breakdown of how the {$110.00} balance was calcualted ( fees, intrest, etc ). 4. The complete chain of ownership or assignment from XXXX to your company. 
5. Your license or bond that allows you to collect debts in New York state.

Until such info is provided, you are to stop all calls, emails, letters or reporting this debt to any credit bureau. This account must be marked as " in dispute '' while under review, as required by law 15 USC 1692e ( 8 ). If proper validation is not
given within 30 days, you must stop all collection activty and remove or request deletion of any report from Experian, TransUnion or Equifax. Non-compliance may result in complaints filed with the CFPB, FTC, and the NY Attorney General. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank XXXX XXXXXXXX I XXXX XXXX dispute the Comenity Bank  account number XXXX XXXXXXXX Comenity is reporting false late payments and inconsistent balances across the bureaus, violating FCRA 607 ( b ). They have not provided proper documentation verifying liability.

Under FCRA 611 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$93.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
On XX/XX/XXXX I made written payment arrangements for {$9700.00} into 30 payments in the amount of {$310.00} starting XX/XX/XXXX with final ( 30th ) payment due date XX/XX/XXXX. 
I left a voice message on XX/XX/XXXX to their toll free # regarding the inconsistent balance on the monthly letters. The balance never goes down, only up. 
On XX/XX/XXXX, I received a call from their rep XXXX XXXX. I explained that my XXXX XXXX monthly payment reminder from XXXX XXXX shows balance {$6000.00}. However, the XX/XX/XXXX balance shows {$6000.00}. This is higher than the XX/XX/XXXX balance and inconsistent with on time monthly payments. I asked the representative for a written copy of the payments and any interest or fees and he said that the system is automatic and can not be changed therefore I only owe what I think I owe, not what the letter says. He said I would not be responsible for any fees or interest. Also, the website does not display any details on the account. I need account details and he refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been a paying customer of XXXX XXXX for approximately three years, and my rent payments were being properly reported to the credit bureaus and reflected on my credit report. 

However, sometime around XX/XX/year>, my rent reporting suddenly stopped showing up on my credit report. 

I have contacted XXXX XXXX multiple times through email and phone to address this issue. Each time, they assure me that they are reporting my payments to the credit bureaus, but the information has not been reflected on my credit reports for several months. I have verified this directly with the credit bureaus, and there has been no recent rental reporting activity from Rent Reporters on my file. 

Despite my repeated good faith efforts to resolve this directly with the company, the problem remains unresolved, and XXXX XXXX has not provided any proof or confirmation that they are actually submitting my data. 

This situation has negatively impacted my credit profile and the accuracy of my credit report. I am paying for a service that is not being delivered as promised, and XXXX XXXX  lack of transparency and accountability is unacceptable.

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 2025-11-10 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: TX

Complaint narrative:
They are reporting multiple derogatory trade lines that I am disputing as unverified, inaccurate, and non-compliant under the FCRA and FDCPA. I made formal demand for the method of validation and reinvestigation, including full documentation proving liability, ownership, and reporting compliance and they didn't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
They are reporting multiple derogatory trade lines that I am disputing as unverified, inaccurate, and non-compliant under the FCRA and FDCPA. I made formal demand for the method of validation and reinvestigation, including full documentation proving liability, ownership, and reporting compliance and they didn't comply.

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 2025-11-10 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Follow-Up to Complaint # XXXX Subject : New evidence regarding TD Retail Card Services ( XXXX XXXX ) XXXX XXXX without notice This follow-up provides new factual evidence confirming that TD Retail Card Services ( the issuer of XXXX XXXX Account ) never disclosed XXXX XXXX would be XXXX during their XXXX  system migration. The omitted information directly caused missed payments, late fees, and subsequent negative account status despite my consistent reliance on XXXX and unchanged payment details. 

Background : My original complaint addressed unexpected late fees and credit impact following TD Banks transition to a new XXXX XXXX platform in XXXX. I had used XXXX for years without interruption, and no changes were made to my bank or billing information. After the migration, XXXX stopped functioning silently. 

When I later reviewed the official email notices TD Bank sent in XXXX, I confirmed that none of them mentioned any need to re-enroll in XXXX. 

New Evidence ( XXXX of Notices ) : XX/XX/year> XXXX We are introducing a new login page MyTDFinancing.com/XXXX. Please begin using this page now to avoid disruptions. No mention of AutoPay changes XX/XX/year> XXXX Your XXXX XXXX XXXX Account Management experience is changing introducing a new login page. No mention of XXXX re-enrollment XX/XX/year> XXXX Old websites XXXX XXXX XXXX XXXX XXXX will no longer be available after XX/XX/year>. No disclosure that XXXX would stop working All three notifications focused solely on changing the login URL and never instructed customers to take any action regarding autopayment settings. 

Regulatory and Consumer Protection Context : XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) ( Regulation Z Truth in Billing ) requires clear and conspicuous notice of any significant change affecting payment terms or methods. 

CFPB and UDAAP guidance prohibit omissions that could mislead consumers or cause financial harm. 

Since TD Bank later successfully charged all accumulated payments in XXXX batch using the same stored payment authorization it is evident that my authorization remained valid. The failure was systemic, not customer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I must emphasize that this is not a mistaken complaint. My credit report contains inaccuracies that fail to meet the highest standards of accuracy. These errors are severely impacting me in profound and ongoing ways.

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 2025-11-10 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: TN

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation