vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX, I was quoted an APR of 3.87 % and told that LoanCares lender partner would expedite processing. Instead, the closing was delayed by over two months, nearly causing the deal to fall through. These delays were then used to raise my ratefirst to 6 %, then ultimately to 7.5 % and 8.5 % on two loans totaling over {$1.00} million. 

In XXXX, I lost my job due to injury and applied for a mortgage modification. I was asked to submit the same documents repeatedly over several months, with no progress or relief offered. Ultimately, I was told to consider foreclosure instead of receiving a sustainable payment adjustment. 

I was eligible for SCRA protections and the 6 % rate cap was applied quickly. However, the lender refused to refund the excess interest I paid between loan origination and the date the SCRA was implemented, despite providing documentation showing I was eligible from the start. 

Additionally, the escrow account for property taxes and insurance has been mismanaged. Payments were made inconsistently or incorrectly, causing confusion and forcing me to intervene multiple times to prevent lapses in coverage or penalties. 

These actions have caused financial harm, created unnecessary stress, and show a pattern of bad-faith servicing and predatory lending behavior.

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 2025-05-06 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-06 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX CARD Account number : XXXX Account name : XXXX  Account number : 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 2025-05-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to notify you that I am a victim of XXXX XXXX and to demand the immediate and permanent removal of the following unauthorized hard inquiries from my credit report. These inquiries were made without my knowledge, authorization, or any legitimate business relationship. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been requesting a 1099-C of the debts that have been charged off and can no longer be requested by the lender. Under the law, they must send me a 1099-C, and they have written this debt off to the IRS as a loss, and they are breaking the law by still requesting a debt that has been written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: MI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into the accuracy of the following information in my credit report. The FCRA requires that inaccurate or unverifiable information be removed or corrected, usually within 30 days of receipt of a dispute.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-06 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: PA

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

Company 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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be a representative from XXXX XXXX. The caller stated there was fraudulent activity on my XXXX XXXX account and convinced me to move funds out of my account to protect them. This included sending approximately {$4900.00} in XXXX from my Robinhood account to an external wallet address provided by the scammer. 

I later realized I had been the victim of a scam and reported the incident to both XXXX XXXX and Robinhood. While XXXX XXXX opened a fraud case and investigated, Robinhood responded by permanently restricting my ability to withdraw any cryptocurrency from my account. They stated this was to ensure my safety, did not provide a clear explanation of wrongdoing, and made the decision final with no appeals process. 

I have not committed any fraud or violated any terms. I was the victim of a scam and am now being further penalized by losing access to the crypto I still hold in my account. I believe this is an unfair and harmful policy. I am seeking review and reversal of the permanent restriction or, at minimum, a formal appeals process and a transparent explanation of the action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took out a store card with Synchrony Bank at a XXXX XXXX  retail store. At the time of purchase, the XXXX XXXX  store associate took my information and qualified me for the card, signing me up for an 'optional " Payment Card Security program without my permission or knowledge. This was not identified until recently when I was auditing my credit card accounts. Synchrony Bank has been charging me this fee and interest on the fee amount every month without my consent or knowledge for over 2 years. When I contacted Synchrony Bank, they advised that it was something I signed up for when I took the card out and they could only refund up to 12 months of charges because I didn't cancel within the 90-day deadline. I was never provided any disclosure paperwork from the retail store or Synchrony Bank this 'benefit ', as I would never have signed up for something like this. I have submitted an escalation with Synchrony Bank to contest their decision to only refund 12 months worth of fees and am waiting on their final decision.

This is a clear case of predatory lending practices, designed to trap consumers making purchases in retail stores. The retail store associates are not trained bankers who understand the legal implications of not providing required disclosures or signing someone up for something they didn't agree to. In this case, we have been charged hundreds of dollars in fees for a service we never agreed to. This is theft plain and simple.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
did not take proper action in fixing the inaccuracies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
XXXX XXXX. ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXX XXXX XXXX Date Opened : XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
5 U.S.C. 1692c, if a consumer notify a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 
XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
5 U.S.C. 1692c, if a consumer notify a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 
XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to this breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me and have no legal standing, yet they remain on my report, severely damaging my credit profile.

This situation is not only a violation of my personal security but also a direct breach of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and USC Title 15, Section 1681. Despite my ongoing efforts to rectify these inaccuracies, they continue to persist, further exacerbating the issue and undermining my confidence in the accuracy of my credit report.

The presence of these fraudulent accounts and inquiries raises grave concerns about the security of my personal information and the integrity of the credit reporting system. These accounts, which I did not open and inquiries I did not authorize, directly violate my rights as a consumer. Under FCBA and FCRA, I am entitled to dispute and remove any information that is inaccurate, incomplete, or fraudulent.

In accordance with USC Title 15, Section 1681 and the FCRA, conduct a comprehensive and immediate investigation into these discrepancies. These unauthorized entries must be removed from my credit report without delay. Failure to address this matter within the statutory timeframe of 30 days will result in further legal action, as permitted by both the FCRA and the FCBA. 

As per the FCRA, I also request that you provide me with a written update on the status of your investigation and the results of any corrections made. I am further requesting a free copy of my updated credit report once the dispute has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hello, I am writing to dispute a credit inquiry that appears on my report. I did not authorize this inquiry, nor did I apply for credit or services with SYNCBTJX XXXX XXXXXXXX XXXX on XX/XX/year> Please investigate and remove this unauthorized inquiry from my credit report. 

Thank you for your prompt attention to this matter.

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 2025-05-06 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: IL

Complaint narrative:
This is not an Error complaint. There are a lot of false and not 100 % accurate information in my credit report. I am very upset and stress to think that this is affecting me negatively!

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 2025-05-06 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AL

Complaint narrative:
In XX/XX/year>, I applied for a Discover credit card under my legal name XXXX XXXX. At the time, my Social Security record and immigration documents still listed my name as XXXX XXXX XXXX due to a formatting issue on my XXXX passport, which had no last name. Because of this mismatch, Discover placed my application on hold, requested verification, and ultimately closed the account, citing inability to verify identity. 

Since then, I have legally corrected all documentation. My SSN card, XXXX, passport, XXXX and XXXX now all reflect the correct name XXXX XXXX. However, when I try to reapply for a Discover card, my application is automatically rejected. Customer service says the old account is closed, but offers no way to reapply. 

I believe Discover still has an internal identity flag or block tied to my SSN from XXXX  which is preventing me from applying again even with corrected records. 

This issue has remained unresolved for over 1.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I am a victim of fraud and I have been constantly disputing these items for years with no ending results and concise information to identify that it does not belong to me. Accounts are over 7 years. It consumes so much time that I give up at time but I have to fight for my credit discrepancies until they are rightfully removed. These companies have no right to retain false information, mixed information and wrong information. I am requesting for the review and deletion of the accounts below on all three bureaus. Equifax, Transunion and Experian 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} 2.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 3.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ALL 3 BUEREAUS 4.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} 5.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} 6.Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} 7.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$980.00} 8.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ {$720.00} 9.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$870.00} 10.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} 11. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$880.00} 12.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} 13.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} 14.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}

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 non-monetary relief