vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RELIANCE FIRST CAPITAL LLC
State: AL

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU REQUEST FOR ESCALATION & REGULATORY INTERVENTION * Re : Reliance First Capital 's Bad-Faith Refusal to Respond to Complaint # XXXX * Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Email : XXXX Company : Reliance First Capital, LLC CFPB Complaint # : XXXX I. REQUEST FOR IMMEDIATE ESCALATION Pursuant to 12 C.F.R. 1024.35 ( e ) and CFPB Bulletin XXXX, I formally request that the CFPB : 1. Reject Reliance 's XX/XX/XXXX response claiming inability to address my complaint due to pending litigation, as this violates RESPA/CFPB rules.

2. Investigate Reliance 's pattern of regulatory evasion, including : - Retaliatory credit reporting ( XX/XX/XXXX ) after litigation began. 
- Escrow fraud in XX/XX/XXXX statements ( new violations unrelated to lawsuit ). 
XXXX. Impose penalties under 12 U.S.C. 5565 for " reckless disregard '' of consumer rights.

II. EVIDENCE OF RELIANCE 'S BAD FAITH 1. New Violations Post-Litigation : - Exhibit A : XX/XX/XXXX mortgage statement with uncorrected {$2000.00} escrow error. 
- Exhibit B : XX/XX/XXXX credit report showing re-reported delinquencies. 
- Exhibit C : Reliance 's XX/XX/XXXX response refusing to investigate. 

2. Regulatory Violations : - RESPA 2605 ( e ) : Must respond to NOEs within 30 days ( * even during litigation * ).

- CFPB Bulletin XXXX : Servicer 's can not ignore new complaints filed after litigation begins. 

3. Precedent : CFPB v. Ocwen ( XXXX ) ( penalized servicer for using litigation to evade complaints ). 

III. DEMAND FOR RELIEF 1. Order Reliance to fully respond to Complaint # XXXX within 15 days 2. Require monthly audits of Reliance 's complaint-handling process.

3. Refer this matter to HUD & Alabama AG for joint enforcement.

Certification : I certify under penalty of perjury that the foregoing is true and correct. 

DATED : XX/XX/XXXX _________________________ XXXX XXXX XXXX ATTACHMENTS : - Exhibit A : XX/XX/XXXX Mortgage Statement - Exhibit B : XX/XX/XXXX Credit Report - Exhibit C : Reliance 's XX/XX/XXXX Response Submitted via : [ CFPB Complaint Portal ] ( XXXX XXXX /XXXX  ) and mailed to : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Late XX/XX/year> I checked into a hotel, XXXX XXXX on XXXX in XXXX XXXX. After I checked ( or rather for reasons unknown, thrown out ), money in my XXXX XXXX XXXX account was about {$1600.00} off. Could not trace where the money went but the account balance was way too low. I live below the poverty line and any attempts to increase my income seem to be thwarted including lawsuits, job interviews etc. Cyber stalking deletes. Contacted XXXX in late XX/XX/year>. Nothing remedied. XXXX  police will not take a report. 

I checked into the XXXX to gain distance from this scammer. Did not work. Bank debit of {$810.00} from XXXXXXXX XXXX XXXX XXXX  XXXX, a XXXX property is erroneous. Hotel rate of {$250.00} somehow increased. My account balance is now deficit $ XXXX. I estimate {$1600.00} to {$1800.00} from my checking account was stolen. Being on XXXX low income, did XXXX authorize voucher money? Can you please trace and remedy, trying to contact FDIC to no avail. 

Another problem separately is my real father XXXX XXXX pledged {$10000.00} monthly to me XXXX years ago. I was in hospital healing for XXXX months or more. My Citibank account was closed and I opened another one. Could the theft of the $ XXXX monthly have been diverted? I have been stalked by alias XXXX XXXX of XXXX XXXX and XXXX XXXX. I'm heavily cyberstalked. XXXX XXXX, XXXX XXXX aka XXXX aka XXXX also an accomplis likely. 

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 2025-05-18 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: GA

Complaint narrative:
This letter serves as a formal dispute and demand for the immediate removal of fraudulent accounts, addresses, and phone numbers from my credit report under my rights established by federal law. 

I have identified the following fraudulent and unauthorized accounts on my credit report, which I did not open or authorize : XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Additionally, I have noticed the presence of fraudulent addresses and phone numbers that do not belong to me and are inaccurately reflected in my credit file : Fraudulent Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Phone Numbers : XXXX XXXX ) XXXX ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete information that is found to be inaccurate, unverifiable, or fraudulent. I am asserting my rights under : 15 U.S.C. 1681c-2 ( Identity Theft Prevention and Credit History Restoration ) , which mandates the blocking of information resulting from identity theft.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), which requires that information providers refrain fr
om reporting data that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681e ( b ), which compels credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

I demand that these items be permanently removed from my credit file and that I be provided with an updated copy of my credit report reflecting these changes.

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 2025-05-18 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:
XXXXXXXX XXXX XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of COLLECTIONS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion

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 2025-05-18 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of COLLECTIONS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
The XXXX XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I submitted a dispute through Cash App requesting a refund. I explained that the service did not function as promised and was essentially unusable. Cash App denied my dispute without proper explanation. Since then, Ive reached out to their support multiple times requesting a reconsideration, but Ive been continuously redirected and given vague or unhelpful responses. 

This is a case of a service not rendered as advertised, and I am requesting a full refund. I am asking for the CFPBs assistance to ensure this issue is fairly reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MOHELA
State: NY

Complaint narrative:
On XX/XX/year> I received notice that I was approved for XXXX XXXX XXXX XXXX effective XX/XX/year> the department has approved my application for discharge of Federal student loans when I spoke to Mohela I was told it was going to be remove it has been a year and the problem has not been fix it is still being reported to credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing a surprise {$880.00} interest charge added by Synchrony Bank on my XXXX XXXX credit card account after a deferred interest promotion expired. 

I purchased a {$2000.00} sofa in XX/XX/XXXX under a No Interest if Paid in Full plan. I set up automatic payments and was never late. By XX/XX/XXXX, I had paid the balance down to around {$900.00}. The promotion expired on XX/XX/XXXX, and Synchrony immediately charged me {$880.00} in interest, nearly doubling my remaining balance. 

The only notice provided was buried in small print on my statements. I never received a clear notification by email, mail, or phone that the promotion was ending, nor that I needed to pay the full balance to avoid interest. Had I known, I would have paid the full amount to avoid this penalty. I was actively paying it off and assumed everything was on track. 

I chatted with a representative, but they simply referenced online statements. I feel blindsided. This has caused me emotional stress and financial hardship. 

Im asking for the {$880.00} interest charge to be reversed and to pay only the remaining balance I owed before this charge. I believe this is a deceptive lending practice and not consistent with fair disclosure standards.

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 2025-05-18 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: GA

Complaint narrative:
Hello, I was wondering, can u assist me in having thigs removed from my file? Everything I want to have removed can be found in the report I'm sending along. I've experenced identity theft, and those charges most certinly aren't my own. I absolutely have to have them removed ASAP bc I'd like to get my credit report in order. I've already notified the Federal Trade Commission, so I'm attaching their information with an Identity Theft Affidavit. Could you please take care of it as soon as possible?

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 2025-05-18 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: AR

Complaint narrative:
I am writing to formally dispute this reporting of 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 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 — Public record information inaccurate
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello, good afternoon.I am filing this complaint for the following reason : I need you to solve my problem with the credit on the account that is reported. Before leaving the place, the manager had consent that I was leaving due to a problem of threat and terrorism from the neighbor.Ihave proof.I had to call the police.I have the police report which I showed to the lady of the property and she agreed that I should leave the property and that there would not be any type problem.Now they have reported it to my account.Ineed you to please resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) application in XX/XX/year>, which remains unprocessed as of XX/XX/year>. 

As a result of this delay, I was automatically removed from my IDR plan. This action not only significantly increased my monthly payment but also caused an alarming {$25000.00} increase to my loan principal. Based on my review, this increase is the result of interest capitalizationthe addition of accrued interest to my principal balance. 

This capitalization occurred through no fault of my own. I submitted my recertification on time and in good faith. The failure to process my application in a timely manner has caused substantial financial and emotional stress and undermines the intended protections of the IDR program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: VA

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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, 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 and crimes which antedates the report by 7 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 non-monetary relief
Consumer complaint received 2025-05-18 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: VA

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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, 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 and crimes which antedates the report by 7 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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My account was abruptly closed without warning, suddenly without explanation. I had just received a credit limit increase, and was in good standing. I am on all three Credit Reporting Agency Data Breaches, so I am guessing Fraud, but I haven't received any communication from them, and they wouldn't speak with me on the phone. 

However, it has come to my attention that the CFPB has passed XXXX XXXX, XXXX XXXX XXXX last month XX/XX/2025, which prohibits medical debt on credit reports. I am XXXX XXXX XXXX and have used this card at XXXX for numerous medical purchases. My late husband was the Membership supervisor at XXXX, and died of XXXX. 

Please remove this illegal account from all three of my credit reports immediately. 

Thank you, 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 2025-05-18 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: GA

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 15USC 1681. 

XXXX XXXX acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A, states I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written or verbal contract with me.

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 convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 non-monetary relief