vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I closed on my mortgage with XXXX XXXX  on XX/XX/year>. Per the closing disclosure, the loan is eligible for escrow account removal. In early XXXX, I contacted XXXX XXXX  to request the removal of the escrow account, but I was informed that the loan would soon be transferred to Freedom Mortgage and that I could only make this request after the transfer. The loan was officially transferred to Freedom Mortgage on XX/XX/year>. I promptly submitted a request for escrow removal, but Freedom Mortgage told me to wait while the transfer was being processed. I waited XXXX weeks and then resubmitted the request. Again, I was told to wait another XXXX weeks and to call back if I didnt receive an update. After a full month of waiting, I called again and was informedcontrary to all prior statementsthat I can not even submit an escrow removal request until XXXX days after the loan transfer. 

This inconsistent and misleading communication has delayed my ability to manage my mortgage terms. I am particularly concerned because I would prefer to apply the escrow funds toward principal to reduce interest costs. Freedom Mortgages conduct may violate obligations under the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 CFR 1024.17 ( regarding escrow account administration ) and 12 CFR 1024.38 ( b ) ( 3 ) ( i ) ( ii ), which requires servicers to maintain policies that ensure timely and accurate responses to borrower requests. Additionally, under RESPAs servicing transfer provisions ( 12 CFR 1024.33 ), the new servicer must be prepared to honor terms disclosed by the prior servicer, especially when such terms were established in the Closing Disclosure. The lack of transparency and shifting explanations have left me unable to act on my rights as a borrower in a timely manner.

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 2025-07-29 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Apply for a credit card through Barclays bank under my name, it is not me. I did contact them. They said my address and name were correct, but the email address and phone number were not in this fraud attempt.

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 2025-07-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently checked my credit report and noticed unknown/inaccurate accounts and unknown inquiries are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a mailed dispute to Equifax on XX/XX/year>, including documentation to verify my identity and specific account disputes. The letter was received by Equifax on XX/XX/year>, per my USPS return receipt, which is attached. 

Despite this, Equifax claims they have no record of receiving this letter. This was a follow-up response to a prior Equifax notice XXXX XX/XX/year>, in which they requested clearer ID and documents after my initial dispute on XX/XX/year>. 

I have now spent over {$40.00} on postage and services, complying in good faith. I am being forced to resend the dispute a third time, despite confirmation of receipt. 

This has caused undue stress, delay, and financial burden. I am requesting that the CFPB direct Equifax to investigate the dispute I submitted, accept the identity verification I provided, and honor my rights under the FCRA and CFPB guidelines without forcing repeated resubmissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-29 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/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 2025-07-29 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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: FL

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$1300.00}

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 2025-07-29 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: CA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-29 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased furniture through a website and obtained 0 % financing through Synchrony. The term was for 18 months. The first 17 payments we received and processed by Synchrony with no problem. The final payment in the amount of {$540.00} was made on XX/XX/XXXX, however, they claimed the payment could not processed and therefor would be charging me the full interest on the 18 months. I called on XX/XX/XXXX and disputed that. I had them run the payment again and magically it went through. They agreed to remove the interest that was erroneously put onto my account, but only under the condition that I agreed to pay a {$30.00} fee. Looking back, I shouldn't have agreed to pay their {$30.00} fee but I just wanted it to be over so I agreed. It was never explained to me that this was a charge that was going onto my credit card with them and would accrue interest as if it was a purchase. I paid the {$30.00} they said I needed to pay in order for the interest charge to be removed on XX/XX/XXXX, less than 90 days after our conversation on XX/XX/XXXX. Now, they're trying to collect additional money because they said the 11 weeks between our conversation and the payment being made accrued over {$200.00} of interest and fees, {$210.00} to be exact. I called on XX/XX/XXXX to dispute the {$210.00} balance on my account and was told that nothing can be done and I have to pay it.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Cavalry Portfolio Services , LLC XXXX. XXXX XXXX XXXX, NY XXXX Re : Request for Debt Validation under the FDCPA Account Number : XXXX To Whom It May Concern, I am writing to formally request validation of the alleged debt listed above, as permitted and protected by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please consider this letter a good-faith effort to seek clarity, not a refusal to pay.

Under federal law, I am entitled to request and receive full verification of this alleged debt before any collection activity can lawfully continue. Therefore, I respectfully request the following : The name and mailing address of the original creditor ; The full amount of the alleged debt, including a detailed breakdown of all interest, fees, and other charges ; Documentation showing you are legally authorized to collect debt in the state of California ; A copy of the original signed agreement or contract bearing my signature that shows I am legally obligated to this debt ; A complete payment history, including all charges, credits, interest, and fees applied ; Verification that the alleged debt is not time-barred and falls within Californias applicable statute of limitations.

Pursuant to 15 U.S.C. 1692g ( b ), all collection effortsincluding but not limited to phone calls, mailings, or credit reportingmust cease until this information is provided in writing and the debt is properly validated.

Failure to comply with this request may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office for potential violations of federal consumer protection laws.

Please direct all further communications regarding this matter to my mailing address above and in writing only.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If an item is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete or modify that item.

Please remove the following accounts from my credit report immediately. These items are outdated, inaccurate, and/or unverifiable. 



Negative Accounts to Remove : 1. XXXX XXXXXXXX XXXX XXXX Account Type : Auto Loan Status : Charged Off {$17000.00} written off Balance : {$21000.00} Original Balance : {$37000.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 2. XXXX XXXX  Account Type : Credit Card Status : Charged Off Balance : {$5500.00} Original Balance : {$5500.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Account Type : Collection ( Original Creditor : XXXX XXXX ) Status : In Collections Balance : {$150.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Account Type : Collection ( Original Creditor : XXXX XXXX ) Status : In Collections Balance : {$1300.00} Date Opened : XX/XX/XXXX On Record Until : XXXX XXXX 5. XXXX XXXX XXXX Account Type : Collection ( Original Creditor : XXXX XXXX XXXX XXXX ) Status : In Collections Balance : {$630.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 6. XXXX XXXX XXXX Account Type : Debt Buyer / Collection ( Original Creditor : XXXX XXXX XXXX XXXX  ) Status : In Collections Balance : {$1500.00} Date Opened : XX/XX/XXXX On Record Until : XXXX XXXX 7. XXXX XXXX XXXX Account Type : Paid Collection ( Original Creditor : XXXX XXXX ) Status : Paid but still reporting negatively Balance : {$0.00} Original Balance : {$510.00} Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief