vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: NVR INC.
State: VA

Complaint narrative:
In early XX/XX/year>, I got into a contract with XXXX XXXX and NVR Mortgage. I made a " good faith effort '' to produce all of the documents NVR requested in order to secure the loan. In XXXX of XXXX the government went into a historically long shutdown, and during this time NVR was not approving any funding requests to XXXX XXXX XXXX ( XXXX ). This action by NVR placed me in a position where I had to pay for living in a hotel while also attempting to keep money on the side for my eventual closing.... and to make matters worse, NVR called me and instructed me not to take any of the interest free loans that were being offered to XXXX  by banks such as XXXX XXXX XXXX XXXX XXXX Eventually, and after pleading with NVR to produce a Mutual Release Agreement ( well documented ) I had to move into an apartment complex that offered some free months rent in order to get back on my feet. I made sure to let NVR know about this new expense which would make paying for two primary residences impossible ... the loan officer explained to me that they wouldn't consider this new expense when approving my loan even though I am contractually obligated to pay for this apartment for the next 10 months. Also during this period, my wife and I have become separated, and as per the XXXX, I am required to provide her XXXX of my BAH ( Basic Allowance for Housing ) per month until the court settles our case. These new arrangements have been communicated to the bank 's loan officer as well as the manager ( as I am obligated to do ), and they are saying this won't affect my approval status. With these two new expenses, the new apartment ( that I had to get into due to NVRs funding freeze ) {$2700.00} per month and my obligation to pay my wife XXXX of my BAH {$2100.00} per month, there is a {$4800.00} per month negative change in my monthly debt to income ratio, but I am still approved for the loan. NVR is knowingly placing me in a situation where I will be expected to pay for two primary residences, and this will put me in a position where I will default on one of my obligations... the closing has yet to happen, so we still have time for the bank to provide the mutual release agreement and we can both go our separate ways. Approving my loan now, in light of all of this new information would be reckless, akin to the type situations that caused the housing market to collapse in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I asked them to quit contacting me and they refused to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following account and request full verification. This information may be incomplete or inaccurately reported. 

CHARGED-OFF ACCOUNTS CERTIFIED XXXX XXXX XXXXXXXX XX/XX/year> {$0.00} LATE PAYMENT XXXX XXXX XXXX XXXX XXXXXXXX This appears incorrect or inconsistent with my records.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called Capital One Savor on XX/XX/year> and spoke with Customer Service rep in regards to my account ( I do have a recorded phone call of the conversation ). I explained that my household was affected by the government shutdown and that we were not getting paid. I was offered a payment agreement where I didn't have to pay until XXXX of XXXX, all reporting of the account would stop but interest may occur. I received statement for period XXXX stating that I owe {$180.00} and that my balance was XXXX and that the 60 days late. Capital one also added XXXX for a late fee with a total of {$140.00} of late fees and {$28.00} in interests added. The account was reported to the credit bureaus of being 60 days late in XXXX. The account isn't late because I don't have a payment due until XX/XX/year> per the agreement of paying {$75.00} for 3 months to bring the account current. Today I spoke with " XXXX '' an offshore representative, Agent ID # XXXX at XXXX, Eastern time, who stated that he wasn't aware of the US policy concerning reporting of accounts, that my account ending in XXXX was 60 days past due. When I asked to speak to a supervisor, the call was terminated. Capital one is known of shady business practices especially with class action lawsuits. Cant report an account to the credit bureaus if the payment is due the following month that is against the FDCRA. I want this account to be fixed based on what was agreed and fees to be removed especially late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

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 2025-11-24 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: TX

Complaint narrative:
I am disputing the following items on my Experian credit report as they are inaccurate or unverifiable : Charged Off Accounts : XXXX XXXX XXXX, Account # XXXX, Date Reported : XX/XX/year>, Balance : {$880.00} Late Payment Accounts : XXXXXXXX XXXX XXXX XXXX Account # XXXX Inquiries : No inquiries are currently being disputed. 

Positive Accounts : No disputes at this time. 

I request that Experian investigate these items and remove or correct any information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am disputing the following items on my TransUnion credit report as they are inaccurate or unverifiable : Charged Off Accounts : XXXX XXXX, Account # XXXX, Date Reported : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX, Account # XXXX, Date Reported : XX/XX/XXXX, Balance : {$1000.00} Late Payment Accounts : XXXXXXXX XXXX XXXX XXXX Account # XXXX Inquiries : No inquiries are currently being disputed. 

Positive Accounts : No disputes at this time. 

I request that TransUnion investigate these items and remove or correct any information that can not be verified.

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 2025-11-24 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: DISCOVER BANK
State: MD

Complaint narrative:
I had an unauthorized amount pulled from my account from an invalid merchant. The merchant misrepresented who they were and there is a criminal case against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am requesting a reinvestigation into the following accounts and inquiries reported on my TransUnion credit file. These items appear inaccurate or unverifiable. 

CHARGED OFF ACCOUNTS XXXX XXXX  XXXX Acct : XXXX XXXX : XX/XX/XXXX Balance : XXXX This account does not show complete or verified details. Please validate or remove it. 

INQUIRIES I did not authorize the following hard inquiries : FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove any inquiries that can not be confirmed as initiated with my consent. 

LATE PAYMENTS The following late payment entries are incorrect and should not be reported : XXXX XXXX XXXX  XXXX XXXX Please update or delete these inaccurate entries.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my researchCREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am disputing the following information due to inaccurate or unverifiable reporting. I am requesting that TransUnion conduct a full investigation. 

Charged Off Accounts ( TU ) XXXX  Acct : XXXX XX/XX/year> Balance : XXXX There are no inquiries being disputed on TransUnion in this filing.

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 2025-11-24 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: NJ

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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Ongoing incompetency with PNC. 
I mailed my mortgage payment with the stub and the check noted how to apply my funds to the account. My standard mortgage payment is {$1200.00}. The check was in the amount of {$1700.00} ; {$1200.00} for my XXXX payment and the additional {$500.00} to be placed in my escrow account. When I received my statement for XXXX the Transaction Activity states PNC placed the {$500.00} payment to Principal. I emailed XXXX XXXX on XX/XX/XXXX, to correct this and I have not received any response as of today, XX/XX/XXXX. 

Due to PNC inept business model, I have been taking pictures of all interactions, though I have come to the realization that PNC inability to manage a loan will be an ongoing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
My father passed away XX/XX/year> and had a good leap loan for Solar panels. A settlement agreement was reached, and a payment was made towards the settlement agreement and then when the house sold the title company send the full settlement amount and now good leap is refusing to send me the overpayment amount back in the amount of XXXX. They keep telling me there is no overpayment and they keep saying the overpayment is rejected. 

How do I get them to refund me what is owed? 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX / FORTIVA Card Attn : Fraud Department / Credit Reporting Dispute XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Removal Fraudulent Account XXXX # XXXX XXXX # XXXX Dear XXXX XXXX XXXX, I am writing regarding an account that was fraudulently opened under my name and Social Security number. I did not open or authorize this account, nor did I authorize anyone else to do so. Despite multiple prior requests for verification of this account, including a copy of the application bearing my signature and identification used, I have received no response. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate disputed information on my credit report. Since this account is fraudulent and can not be verified as opened by me, I demand that it be removed from my credit file immediately. I expect written confirmation of the removal of this fraudulent account within the timeframe allowed by law. Failure to comply may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies under the FCRA. This account does not belong to me and must be removed from my credit report immediately. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Dear XXXX I am submitting this dispute to ensure the accuracy and integrity of my credit file. I am a consumer attempting to correct my report, and I believe the following items require investigation. 

Inquiries in Dispute XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> Late Payments in Dispute 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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
USAA holding their own {$6400.00} refund check XXXX days due to " new '' account when account was closed due to their error and fraud-wrongful closure, no risk, policy allows immediate release. Unable to get to someone who can review this manually keep going told that a SYSTEM is handling everything.

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 2025-11-24 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:
I am disputing the accounts and late payments below because they do not match my records, appear inconsistent with other bureaus, or may not be reported accurately. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/year> {$700.00} LATE PAYMENTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These late payments appear inconsistent or inaccurate and need full verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am a consumer trying to fix my credit. The items listed below are inaccurate, unverifiable, or being reported inconsistently across bureaus. I am requesting a full reinvestigation under the FCRA and the removal of any account or inquiry that can not be verified with complete accuracy. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/year>, balance {$830.00} Inquiries ( None reported ) Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card Account opened at XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Credit Card Account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation