vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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:
This account has already been permanently deleted by XXXX and XXXXn, yet Equifax continues to report it inaccurately even after multiple prior disputes and reinvestigations. 
This continued reporting constitutes a reinsertion of deleted data, a willful violation of federal consumer protection laws under the FCRA and FDCPA. 

Key Inconsistencies and Evidence Account Status Conflict Equifax : Closed Charged-off Account XXXX  : Deleted ( no longer reporting ) XXXX : Deleted ( no longer reporting ) The account can not be legally reinserted or remain active on Equifax after deletion from the other CRAs unless certification and notice were provided, which never occurred. 

Contradictory Dates and Reporting Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Last Activity : XX/XX/XXXX These are impossible. The account allegedly charged off in XXXX can not show activity in XXXX. 

Reinsertion Without Notice No written notice or certification from the furnisher ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was ever received prior to reappearance or continued reporting by Equifax. 

Violation of Dispute Status Integrity The account was under dispute ( In Dispute ) across all bureaus but Equifax continues to report it as an active charge-off after prior removals. 

Legal Violations FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Deleted Information Equifax reinserted or continued reporting this account after deletion by the other CRAs without proper certification and without notifying the consumer within 5 business days.

FCRA 1681i ( a ) Failure to Reinvestigate Accurately Equifax failed to perform a reasonable reinvestigation despite prior disputes supported by clear documentation. 

FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Equifax continues to publish false and inconsistent data with other national CRAs.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Reporting False Information XXXX XXXX XXXX  ( the furnisher ) provided contradictory, outdated, and inaccurate data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of the Legal Status of a Debt Reporting a previously deleted and disputed charge-off as currently active misrepresents the true status and legality of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed many fraudulent accounts that do not belong to me or incorrectly reported. The closed accounts also on my report should be reviewed as well. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Some related unauthorized inquiries are XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please refer the attachments uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
I am filing a complaint against my mortgage servicer, Planet Home Lending, for failing to disburse multiple escrow surplus refunds, despite formally disclosing them in official escrow analysis statements. 

Although I fell behind on my mortgage payments in XXXX, the Arkansas Homeowner Assistance Fund ( ARHAF ) brought my loan fully current, including paying off the outstanding escrow shortage. Since then, I have made regular payments and the account has remained in good standing. 

Planet Home Lending has documented the following surpluses in escrow : On XX/XX/XXXX, a surplus of {$1100.00} was disclosed, and the analysis stated a refund check would be issued if the loan was current. No such refund was received or posted. 

On XX/XX/XXXX, a subsequent escrow analysis documented another surplus of {$1300.00}, with the same promise. Again, no check was issued or transaction posted. 

On XX/XX/XXXX, a third surplus of {$340.00} was reported. This refund also remains unaccounted for. 

I have reviewed the complete transaction history provided by the servicer, and there are no matching entries that reflect refunds, disbursements, credits, or suspense activity related to these surplus amounts. 

These failures appear to violate RESPA 1024.17 ( e ), which mandates that escrow surpluses over {$50.00} must be refunded within 30 days when the loan is current. As my account was made current by ARHAF and has remained current since, Planet Home Lending was obligated to return these funds. 

Additionally, I have included an email sent to Planet Home Lending on XX/XX/XXXX, where I requested an audit of my escrow account and explicitly objected to surplus ARHAF funds being placed into escrow without my consent. I asked for a proper refund or application of the funds. No written response or explanation was ever provided. 

I am requesting CFPBs assistance in compelling Planet Home Lending to : Account for and refund the surplus amounts disclosed in writing Provide proof of refund disbursement if these funds were sent ( check numbers, dates, etc. ) Comply with escrow refund requirements under RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was part of the settlement in XXXX XXXX XXXX, XXXX, et al. v. Trans Union, LLC ( XXXX XXXX. XXXX XXXX ) and received compensation for the Trans Union data breach . My personal information was compromised, and now inaccurate or negative accounts have appeared on my credit report. I am requesting investigation and removal of these items since they are the results of the data breach and not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I got a phone call a few months back from someone stating that he was calling from XXXX XXXXXXXX about an outstanding balance, and if I can verify my name and ssn #. i told him I don't have an account with XXXX XXXX. He said he was making a report of this and will reach out back to me. I never heard from him again. in XXXX of this year, I was browsing in my account and came across the XXXX XXXX credit stating that I was owing them. I reach out back right away to XXXX XXXXXXXX and they give me a number to call which lead me to midland credit. it was a woman that answer and had me on the phone for a long time saying that this account is in collection now, it is me that owns it, and I have to paid it or they can reach out to my job, bank account or even go to court. I kept explaining to her that even the bank can used your information cause the ask you for your name, address, telephone number last four digits of your social and your email. she asks if I was going to paid today or not, and I said no, you don't have any proof of what you are asking for, and I already said this is not my account. And the call ended. I later went to the revere police station and made a report. I was advised to also make a report to the credit Bureaus. Also, I got a letter from XXXXXXXX XXXX XXXX on this collection. Almost forgot

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MA

Complaint narrative:
DEAR NRA ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I signed an auto loan document with One Main Financial 11 days ago, and I still have not received my copies of the document I signed. 
I have called several times and still not received the documents. 
There is a page on their website where you are supposed to be able to click on several links and download all the pages you signed, but it does not appear to be all the sections included in the document I signed ( that was all together in one long form on a program like XXXX, and walked through quickly on the phone while I was asked to sign it ) And none of the links work to begin with. No new page opened, no file downloaded. 

I made that clear last time I was on yhe phone with them and I was transfered to a specific " customer service department '' but once the phone call transfered- it literally went to a random person not part of the company and they told me " please tell One Main to stop giving people my number. '' I was very confused by it all and would really like my documents. Without my holding on the agreement we have no agreement. 

I emailed their general customer service email again recently and will see what response I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
This record is inconsistent with my proven pattern of on-time payments and appears erroneous. Please investigate and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I paid {$3000.00} on XX/XX/year> on my CareCredit MasterCard, which lowered the balance substantially yet the interest levied was remarkably high for the remaining balance. 
Even if daily interest, a cruise, the balance was lowered by {$3000.00} on XX/XX/XXXX and a high interest levy is not justified for the statement of that month. 
The second issue is regarding care, credit rewards credit being credited to the statement as a credit, which is impossible to do on the app or on the website and the consumer is burdened with calling the phone number which deliberately hinders contact with an agent and the AI option is unhelpful to say the least I was finally able to get through to an agent who stated that she was not trained in care, credit matters, even though she was picking up the phone I filed a prior complaint where I had a care credit card already with a high interest rate which then Synchrony Bank hopefully changed to Mastercard care credit and in so doing increase the interest remarkably in their favor and burning the consumer to 32.99 % I believe this is a very predatory, lending and deceptive practices as well as the recent litigation whereas I understand consumers were awarded a refund, and I have never received a refund from Synchrony Bank or a credit accordingly to the legal action taken against them

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 2025-10-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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 am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; 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 explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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