vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I have attempted several times to contact and I get the run around of course the debt of course keeps getting sold to other people and I believe should not be my responsibility anymore I had a XXXX XXXX XXXX for XXXX over XXXX  years ago I turned this loan over to XXXX XXXX XXXX who consolidated it down to XXXX and I paid it down to XXXX The credit XXXX XXXX  is now saying that this debt along with a XXXX credit card debt I owe a total of XXXX. My wages were garnished for XXXX pay periods at work so they got over XXXX at of me. I lost that job though so luckily the garnishment will stop. I spoke to someone at the credit bureau and she said there were so many inaccurate things on my report and illegal things being done I just don't have money to dispute it being unemployed at the moment. I have proof XXXX  of the debts from XXXX is not correct the XXXX from the credit card is almost paid now because of the wage garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-25 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: SC

Complaint narrative:
I discovered some unfamiliar accounts on my credit report that do not belong to me. This alarming situation became even more concerning when I received a notification indicating that my personal information, including my name, address, and social security number, was compromised in a recent data breach. I'm worried about the potential impacts on my financial security and identity theft, so I need to take immediate action to investigate and resolve 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 2025-09-25 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: SC

Complaint narrative:
I discovered some unfamiliar accounts on my credit report that do not belong to me. This alarming situation became even more concerning when I received a notification indicating that my personal information, including my name, address, and social security number, was compromised in a recent data breach. I'm worried about the potential impacts on my financial security and identity theft, so I need to take immediate action to investigate and resolve 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 2025-09-25 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: SC

Complaint narrative:
I discovered some unfamiliar accounts on my credit report that do not belong to me. This alarming situation became even more concerning when I received a notification indicating that my personal information, including my name, address, and social security number, was compromised in a recent data breach. I'm worried about the potential impacts on my financial security and identity theft, so I need to take immediate action to investigate and resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} Unauthorized Inquiries to Be Deleted : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : 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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
In XX/XX/year>, I closed mortgage # XXXX with BNY Mellon. They induced me to select them as my lender by assuring me I could rate modify my loan when interest rates were amenable. Many years after the fact, they changed their policy such that only BNY private wealth clients have the ability to rate modify their mortgages. Accordingly, they have repeatedly denied my requests to rate modify my mortgage. 

This denial appears to be in direct contradiction to the prior agreement or understanding between myself and BNY Mellon. If there has been a material change in policy, such change does not negate any prior commitments made under the existing policy at the time of agreement or representation. I believe that under applicable principles of contract law, fraud in the inducement and promissory estoppel, a lender may be bound by representations that induced reliance, particularly where such reliance has resulted in financial or legal disadvantage to the borrower. I have acted in good faith and with the expectation that BNY Mellon would honor its commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the second time this year I have deposited a local check that they decided to put a hold on & not give me access to partial or entire funds as required by federal law. I filed a complaint a few months back & they are doing it again.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: PA

Complaint narrative:
I received a letter to the XXXX of my late wife who passed in XX/XX/year>. The letter was from Phillips and Cohen, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. First of all that was my wife debt, I had no knowledge of her debt. I was going to reach out to them but I decided not to because these types of collection agencies will harrass you to know end. They did not give me any amount of the debt. As I said before this debt was my wife that I had no knowledge of. Please help me I am on XXXX XXXX times a week, I have XXXX XXXX XXXX XXXX, and don't need the aggravation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I purchased the home in the beginning of XXXX. Since then, i have replaced the roof, put in new insulation, HVAC duct systems, a XXXX XXXX  air purification system, exterior paint, relandscaped both the front and back yards, new fence out front and new fence out back, replaced all screens on windows, updated the electric and plumbing systems, new flooring and drywall in the XXXX bedroom, new back door, upgraded and had custom counters put into the kitchen... the list goes on. 

I have attempted to have the PMI removed several times, i paid the mortgage company {$450.00} to have a full appraisal done of the property. ( i had an option to just pay {$190.00} for a quick review- but opted for the full {$450.00} as we have done so much work to the home ). They sent a random guy out in basketball shorts who did not announce what company he was with ONE time he was inside the home. He showed up late, and from start to finish spent only XXXX MINUTES inside the home. I have this time stamped on my alert XXXX security system. That alone is a red flag and not enough time to properly assess the upgrades. When he left he stated " just text me what you have done since you bought the home '' In what world is that ok? not professional, NOT worth the money I spent to have him come out to assess. Weeks went by with no word, no report was ever sent to me i just received an email saying PMI removal was denied. I have since disputed twice and instead of getting an email response back or a phone call. I get a random email with a one page paper with a check mark next to denial with no explanation then i start the process all over again and play the " let me put you on hold '' game with the mortgage company. 

I have called the mortgage lender several times and emailed in twice now a formal complaint showing comparible homes as well as asking them to send another appriaser out to properly assess the home. The appraiser they sent out did not properly take into account the upgrades and work we have put into this home. I pay my mortgage on time and extra onto the principal balance monthly, i have my XXXX XXXX XXXX my XXXX license and have been in the XXXX XXXX XXXX industry for over XXXX  years. My father in law is literally a XXXX XXXX XXXX All i am asking for is the appraisal i paid for is the one I actually get. The mortgage company leaves me on hold for hours and i wait and wait and i get no follow ups or responses.. I just want to be treated fairly. I pay my bills early and on time, I go through all the hoops necessary to get paperwork in or updated whatever. PLEASE can someone do their job. 

And if i have not stated it yet, this is for Mr. Cooper Lakeview Loans Mortgage

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
On XX/XX/XXXX, my credit card was charged {$59.00} at XXXX XXXX XXXX. On XX/XX/XXXX, I was charged the identical amount of {$59.00} again, creating a duplicate charge. 

I disputed the duplicate charge and was reimbursed {$59.00} on XX/XX/XXXX. However, on XX/XX/XXXX, the merchant re-charged me {$59.00}. I immediately disputed this second charge. 

Later in XXXX, Synchrony Bank closed my dispute, reversed the temporary credit, and stated the charges were unique and not duplicated. The merchant only provided documentation proving that XXXX charge ( XX/XX/XXXX ) was valid, which I do not dispute. Neither the merchant nor Synchrony explained why I was billed twice ( on XX/XX/XXXX and XX/XX/XXXX ) or provided documentation for both charges. 

When I followed up in XX/XX/XXXX, Synchrony told me they would reopen the dispute, but also said I may need to wait another two months for resolution. 

This handling has left me out {$59.00} for a duplicate charge. XXXX investigation failed to address the duplicate billing error and exceeded the 90-day dispute timeline required under the Fair Credit Billing Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 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: HI

Complaint narrative:
I went from XX/XX/XXXX no lates to february 90 days late I never received any notice that I was even 30 days late, further I would like to add that there was no information sent to me via phone, email, text, or even carrier pigeon no effort was made to contact me and when I did contact the DOE in XX/XX/XXXX I was told that they " were not sure what was going to happen and that I would be notified ''. I have never been notified regarding this in fact all I got was a 90 day late in XXXX which would indicate that I was notified that a bill was due in XX/XX/XXXX to be paid in XX/XX/XXXX. Once I got the notification that a payment was due the automatic draft restarted.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am trying to close my XXXX at UMB and have a qualifying distribution sent to another custodian. Ive called them, followed their instructions and delays keep popping up or manual steps they expect me to do in the middle of the process. They are slow to respond to requests and they keep charging me fees during the process. I just want my account closed, they cant take that simple instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion because they continue to report fraudulent accounts on my credit file. TransUnion is still reporting XXXX XXXX accounts ( XXXX and XXXX ) and XXXX XXXX  XXXX  account ( XXXX ). These accounts are the result of identity theft, and I have never authorized them. Their continued presence constitutes unauthorized reporting under 15 U.S.C. 1681b ( 2 ), which requires consumer consent before furnishing such information. Allowing them to remain also violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, because TransUnion is failing to ensure accuracy and to conduct a lawful reinvestigation. My personal information on file is already accurate and up to date. The only issue is the continued reporting of fraudulent accounts that do not belong to me. I have already provided an FTC Identity Theft Report. Under 15 U.S.C. 1681c-2, TransUnion is required to block identity theft-related information within four business days. They have ignored this requirement. They have also ignored 15 U.S.C. 1666a, which prohibits reporting disputed debts as delinquent while still unresolved. These failures are reckless and willful, and they are liable under 15 U.S.C. 1681n and 1681o for the damages caused to me. The damages I am experiencing are significant. These unauthorized accounts are lowering my score, making me appear less creditworthy, and causing denials for financial products and housing. This is financial harm, reputational damage, and emotional stress directly caused by TransUnions unlawful actions and refusal to comply with 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