vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I do not understand why the mortgage company waited 4 years to review whether insurance was in place. We only received one notice prior to the withdrawal and that notice indicated that the HOA hazard insurance was expired. I sent them a copy of the renewal of the HOA hazard insurance. They did not respond in any way. I assumed the issue had been solved. The only demand we received from them was a notice that the HOA hazard insurance had expired. In our file, the mortgage company has several other notices which we NEVER received. 
Then, the mortgage company withdrew {$2700.00} from escrow on XX/XX/XXXX. The home was being sold and the mortgage was paid off and closed on or about XX/XX/XXXX. 
After enquiring about the withdrawal, they claim that they money was taken in order to buy lender-placed insurance to cover a supposed lapse in coverage from XX/XX/XXXX through XX/XX/XXXX. I sent them the proof of coverage for the insurance which was in place XX/XX/XXXX through the day the home was sold in XX/XX/XXXX and requested a refund of the funds they took from escrow. They denied my claim, saying that I didn't send them any proof. I had emailed the proof with my request as well as emailing the documents several times to their documents email address. They took from XX/XX/XXXX to XX/XX/XXXX before they even answered. They periodically sent me letters saying they were working on my request. After the first denial I renewed my request for refund and again sent the Letter of XXXX from the insurance company showing the coverage dates. They again denied the request saying that I had not provided any new information. Even though I AGAIN included the proof of insurance that they claimed to never had received. 
The funny thing is that we had a water leak in the home in XX/XX/XXXX and had to file a claim with the insurance company which amounted to about {$22000.00} in damage which had to be repaired. If we truly had not had homeowners insurance, we would not have been able to get the home repaired. But since there was, in fact, insurance in place, the damages were repaired and paid for by the homeowners insurance! 
We believe we are entitled to a refund of the {$2700.00} the mortgage company withdrew from escrow.

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 2025-05-19 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had MULTIPLE LATE payments on a XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I disputed a {$16000.00} charge with Synchrony Bank from XXXX XXXX XXXX for work never performed. Despite submitting three disputes and photo evidence of my untouched bathroom, Synchrony denied all claims and told me the issue was he said, she said. And also lying in their notes claiming that Ive revived goods. The merchant breached the contract, took funds without authorization, and even threatened me with a cancellation fee after breaking the agreement themselves. I am requesting a full refund. Supporting documents attached.

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 2025-05-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-19 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an XXXX XXXX XXXX  backed by Bank of America. For my first payment cycle I set up automatic bill pay. When the first payment didn't automatically deduct on XX/XX/XXXX, I called in and found out that I needed to pay the first balance manually. I then over the phone authorized an immediate payment on XX/XX/XXXX of XXXX for the full balance. The customer service rep then assured me all other payments would work through the automatic system and she waived any fees. On XX/XX/XXXX Bank of America then deducted {$8000.00}. When I noticed the charge on my bank account I realized that was way too high a spend for that month. I called Bank of America on XX/XX/XXXX and spent XXXX minutes on the phone with a customer service rep that told me the manual banking system in which I made my payment over the phone on XX/XX/XXXX was not in synced with the automated payment system and Bank of America had mistakenly deducted the same amount twice. She put in a request to refund me on XX/XX/XXXX for {$7200.00} and told me it would take up to 10 days. I asked if she could expedite it as it was a hardship to have all that money missing from my account and she said she would ask to get it expedited and that would happen in XXXX days. I checked daily for the funding to be returned to my account and it still hadn't been added back by XX/XX/XXXX so I was forced again to spend XXXX minutes on the phone with Bank of America. The XXXX customer service rep told me it could take up to 60 days ( XXXX billing cycles to get the money returned ). I spoke to a manager and he confirmed that the second agent did not input the refund correctly and agreed to do it again and expedite it, but that it was still 10 days with no way to go faster. I don't understand how Bank of America can be clearly in violation of Reg E and have no reporting or remediation to catch these issues faster or help the consumer. As of today, Bank of America has erroneously taken {$7200.00} from my account since XX/XX/XXXX and has been unable to return it. I don't understand how a system glitch can cause this massive of a consumer impact and everyone at the bank not taking additional efforts to return that money immediately.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against Sallie Mae regarding an account that has been charged off, sold to another lender, and is now being reported inaccurately across all three credit bureaus XXXX XXXX XXXX XXXX 

The debt was sold to XXXX XXXX XXXX  which then sold it again to XXXX XXXX. Despite this, Sallie Mae continues to report the charged-off account, causing ongoing harm to my creditworthiness. 

Additionally : The balance is {$0.00} The account is marked charged off, even though it is no longer with Sallie Mae The account is well beyond the statute of limitations for debt collection and reporting in my state ( South Carolina, which has a 3-year statute of limitations on written contracts ) This violates several sections of the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or outdated information 607 ( b ) : Failure to ensure maximum possible accuracy 605 ( a ) : Prohibition on reporting obsolete information 611 : Consumers right to dispute and correct inaccuracies I previously disputed this debt, as shown in the comments of the credit report, and Sallie Mae resolved the dispute but continues to report it in violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-19 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my authorization or knowledge. I have repeatedly disputed these fraudulent entries with the three major credit reporting bureaus-Equifax, Experian, and TransUnion. Despite providing detailed explanations and relevant documentation, including proof of identity and statements declaring these accounts as fraudulent, the credit bureaus continue to report these accounts as valid and verified. Additionally, I have made several attempts to contact the original creditorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-directly to resolve this matter. Unfortunately, my efforts have been met with little to no response, and I have not been able to reach a resolution with any of them. 

I am requesting the FTC 's assistance in investigating this matter. The inaction of both the credit bureaus and the creditors is not only damaging to my credit standing but is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my authorization or knowledge. I have repeatedly disputed these fraudulent entries with the three major credit reporting bureaus-Equifax, Experian, and TransUnion. Despite providing detailed explanations and relevant documentation, including proof of identity and statements declaring these accounts as fraudulent, the credit bureaus continue to report these accounts as valid and verified. Additionally, I have made several attempts to contact the original creditorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-directly to resolve this matter. Unfortunately, my efforts have been met with little to no response, and I have not been able to reach a resolution with any of them. 

I am requesting the FTC 's assistance in investigating this matter. The inaction of both the credit bureaus and the creditors is not only damaging to my credit standing but is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

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 2025-05-19 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: VYSTAR CREDIT UNION
State: TN

Complaint narrative:
I am filing this complaint regarding a credit card account I opened with XXXX XXXX XXXX XXXX in XX/XX/XXXX, which has since been transitioned to VyStar Credit Union. In XXXX, I entered into a hardship repayment plan with XXXX XXXX due to significant financial distress following the unexpected passing of my ex-husband. Under that plan, I made consistent, on-time payments and was no longer accruing interest. 
In XXXX, I was notified that VyStar Credit Union had taken over the account. Since that time, the hardship agreement appears to have been terminated without notice or consent. As a result, interest has resumed accruing, and the balance is rising even though I have already repaid the full original principal amount. 
I submitted a formal demand letter, through a licensed private investigator, requesting a resolution, including a halt to future interest, and closure of the account. I received no response, and all attempts to speak with someone by phone have failed. I believe this situation constitutes unfair and potentially predatory lending, especially given the reinstatement of interest after a hardship plan, and without any new charges or activity on the account. 
I have made every reasonable effort to resolve this directly with the creditor and am now requesting formal review by the Consumer Financial Protection Bureau.

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