vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
I am a victim of identity theft, and I have already filed an FTC Identity Theft Report ( Report # XXXX ). Despite this, my credit files continue to contain inaccurate and unlawful information related to a Dept. of EducationXXXX student loan account.

On my Equifax report, this account is reported with serious inaccuracies : Original loan amount was {$4000.00}, but the balance is listed as {$4400.00}.

Payment history is inconsistent and out of sequence. 
Late payments are reported incorrectly. 
Date of first delinquency conflicts with the date of last payment. 
These reporting errors violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Additionally, Equifaxs reporting is not Metro 2 compliant, which is the industry-standard format required for lawful and accurate reporting. Under FCRA 611 [ 15 U.S.C. 1681i ], I have the right to dispute and request reinvestigation of this account, yet Equifax has failed to resolve these deficiencies.

On my Experian report, I disputed this same Dept. of EducationXXXX account in XX/XX/year>, and it was officially deleted in XX/XX/year> ( Report # XXXX ). However, Experian later reinserted the account without providing me any notice or certification. This is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], which prohibits reinsertion of deleted information unless the furnisher certifies its accuracy and requires the bureau to notify the consumer in writing within 5 business days. I never received such notice, making this an unlawful reinsertion.

This also violates FCRA 1681 ( a ) ( 4 ), which guarantees consumers the right to fair and respectful treatment in the reporting of their personal information. 
On my XXXX report, this account does not appear at all, which proves that the reporting across the three bureaus is inconsistent and unreliable.

I have already disputed these items, provided proof of identity theft, and notified regulators, but the account remains. The inaccurate reporting has harmed me financially by lowering my credit score, making it harder to access credit, and causing me ongoing stress and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper purchased my loan during an active XXXX XXXX XXXX. The previous lender, XXXX had given the loan to XXXX for management of the XXXX XXXX process. They argued that at the time of the filing, XXXX was due them. I filed a motion disputing their claim and the court ruled in my favor that there was no missing payment. Within months of that ruling, Mr. Cooper purchased the loan. 

Mr. Cooper then continued to claim " amounts past due before bankruptcy filing '' in the amount of {$210.00} -- which as I stated, the court had ruled was not accurate. I provided Mr. Cooper with the documentation of past payment statements and the court ruling and received no response. 

When the bankruptcy was discharged in XX/XX/XXXX, Mr. Cooper then applied their claim of " past due amounts '' to my outstanding payment balance claiming the loan was then delinquent. I again supplied them with statements of payments for the last 2 years, my prior submission of the court ruling. Their online account contact advised me that a payment made in XX/XX/XXXX was mistakenly credited to XX/XX/XXXX, which was the only error he could identify, but encouraged me to speak with an inactive bankruptcy specialist. This person continued only to reiterate the amount past due and that my payment amounts had changed due to escrow changes. I advised I was well aware of this, however, my payments also increased accordingly with every escrow change. She then transferred me to a bankruptcy specialist who also stated I would need to submit a ticket to the research department to respond to this issue, but that he could see no error on their part. I was told I would hear from them within 48 hours. I then have been told it would be up to 7 business days while they maintain my account is delinquent by 49 days and have charge me a {$76.00} late fee.

I have made the payment they claim is due because I frankly trust none of them not to take further, costly action on the part of my loan. But, the additional payment I have made should be credited to my balance and not to pay off any imaginary sums they claim are past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my XXXX XXXX and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I went to XXXX to get help in XX/XX/year>, and the company filed for bankruptcy about XXXX months later. We were never able to see the doctor, and I didn't know how to use the trays. I never saw a doctor, and we were left with no communication on how to use the trays or who to see. The company knew they were filing for bankruptcy and continued to take in new patients without the need to see the need to help. This not only violates the code of ethics of a doctor, but also how could they legally pursue me for trays that I don't have because they were thrown away, and to continue to use a product without any medical intervention. The company has sent me to collections, and I want this removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
2 standard bank transfer were initiated XXXX XXXX. 
These transfers were marked as successful and I was shown on the XXXX  app that the funds would be deposited into my selected account of transfer within a XXXX business day timeframe. The funds have failed to reach my other account. XXXX  has been very unprofessional with this whole ordeal. Theyve locked my debit card. I can not pay very important bills because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: IN

Complaint narrative:
-Secured credit card company : - First progress -Company 's address ( On XXXX ) : -First Progress, XXXX  XXXX, XXXX XXXX, SD XXXX -Account closed : - XX/XX/XXXX - XXXX  -Sent letters to them many many times and called them many times but nothing has been done by them. 
-The reissuance of a refund check for my secured credit card amount, which totals {$500.00}. Account XXXX : - XXXX. 
- Account Holder : - XXXX Pal XXXX - Old Address : - XXXX XXXX XXXX XXXX XXXX, NJ XXXX - New Address : - XXXX XXXX XXXX, XXXX, IN XXXX - New Phone Number : - XXXX ( Present ) - Old Phone number : - XXXX ( On File & also working ) - Email : - XXXX - also described the to mail me a {$500.00} check to my new address in IN. 

-- It's been a long time now they are not returning my money back. 
Please help me out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company 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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I tried to called XX/XX/year> at XXXX XXXX to establish a payment plan with a debt I owe of XXXX I believe. The manager whom i spoke with told me i have to pay in full today or by XX/XX/XXXX and I told him im unable to pay that amount but i can do a payment plan and he said only in full and said he would put I refused to pay in writing, which i didnt i just told him im unable to pay anytime soon. So he hung up and i called back to get all this in writing and email because i need this for the military and he was rude again and kept saying i need to pay in full, and refused to send mw everything in writing and hung up in my face. I had called at XXXX again is when he hung up that second time. Each call was XXXX minutes

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 2025-09-19 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally submit a complaint regarding fraudulent transactions involving my checking account with Bank of America ( Account No. ending in XXXX ). 

On XX/XX/year>, two cashiers checks were issued from my account ( Check Nos. XXXX and XXXX ) in the amounts of {$9600.00} and {$9800.00}. 

On XX/XX/year>, three additional cashiers checks were issued ( Check Nos. XXXX ) in the amounts of {$6800.00}, {$7000.00}, and {$7200.00}. These checks were deposited into the following accounts, also with XXXX XXXX XXXX : XXXX XXXX XXXX  Account XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Account No. XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX On XX/XX/year>, when I became aware of these unauthorized transactions, I immediately contacted XXXX XXXX XXXX and requested reversal of the funds. I also filed a police complaint ( Report XXXX. XXXX ). 

After a three-month investigation, XXXX XXXX XXXX declined my fraud claim and refused to reimburse the funds, which total {$40000.00}. Despite following all required procedures, I have not received my money back.which bank freeze above acount I respectfully request that your office review this matter and assist in recovering the misappropriated funds. 

Thank you for your time and assistance. 

Sincerely, 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 2025-09-19 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
After forebearance which i never wanted to be part of, i left auto pay on my checking account and unknowing to me Ed Services started servicing the account. Never sent me a letter, never a phone call. When i asked them what happened they stated they had the wrong address. I said what happened to auto pay. They stated new servicers cancel that. I then asked when sent an email by them why i could not log on - Ed services claimed data base interuption. I said will you provide me a letter- Representatives on numerous ocassions stated " NO! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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