vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
XXXX XXXX sold my mortgage to Freedom Mortgage effective XX/XX/year>. XXXX XXXX gave me about one month notice. I never received information from Freedom Mortgage company. I had to track them down to make my payment this month. Their website was erroring had an " Oops we're working on it message ''. I kept checking and made the payment when it let me yesterday XX/XX/scrub>/25. I saw they added a {$530.00} fee labeled XXXX XXXX XXXX DEFAULT. I contacted them and they removed it but that is a ridiculous late fee so looking at their policy they allow 15 day grace period and the late fee should be 4 or 5 % of overdue amount, that would have been under {$70.00}. How many new transfer customers did they add this crazy fee to and what, hoping they'll just pay it? XXXX. 
I was told to expect my auto generated welcome packet soon. Seems crazy the system doesn't mail that prior to the effective date. I was told the increase of my mortgage payment is for anticipated escrow need. I should have received an explanation for that increase prior to it happening.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
In XX/XX/XXXX my personal data was used by someone else to obtain XXXX separate student loans from the department of education to be used at XXXX XXXX XXXX. I was made aware of this in XX/XX/XXXX and as of XX/XX/XXXX no payments have been made toward either of the loans resulting in defaulted loans. I had submitted a dispute with XXXX, Trans Union and XXXX the results from the dispute with Trans Union indicated that the department of education verified that this information is correct. I have filed police reports I have registered with identity theft.gov. I have filed forgery reports with the department with XXXX XXXX XXXX and also With 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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I opened an Avant Credit Card in XX/XX/XXXX, started charging and paying my monthly bills on time. I never signed up or wanted electronic communications with my billing statements. I made my payment before the XX/XX/XXXX, payment deadline. However, I received an electronic billing statement on XX/XX/XXXX stating that I had a {$25.00} XXXX payment and it was due on XX/XX/XXXX. I knew this had to be incorrect since I made the XX/XX/XXXX payment and was billing cycle due date was XX/XX/XXXX. I then received another email stating that there was a computer glitch by the company that does the billing, and rest assured my bill cycle next payment due date was XX/XX/XXXX. I knew this was wrong because it is the XXXX of the month and I called the company, and they confirmed that the XXXX was my billing due date. So not long after that, I received another correspondence from the Avant Credit Card Company stating that my billing due dates was the XXXX. At this point, I did not believe the computer glitch story or anything Avant has to tell me. I also received several emails stating that I owed the {$25.00} and it was due by XX/XX/XXXX. I did not want to risk the chance of a late charge so I made the payment thinking best case scenario that the payment would either end this mess or go towards my next XX/XX/XXXX, payment. It did not because I received a later email from the billing department stating that I had a {$25.00} payment due for XX/XX/XXXX and it had already been taken out of my bank. I called the company various time, very mad and angry demanding the {$25.00} second payment and they finally agreed and told me that the refund would take 5-10 business days. I have not received anything from them. So, I decided to do two things : One : close the account Two : File a small claims lawsuit and file a complaint with the XXXX  Attorney General because I do not trust this company at all. They must have gotten themselves into financial trouble either in XXXX or XXXX of XXXX to honestly harass a senior citizen whose was a good customer and was honestly paying the monthly charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion regarding a collection account being reported by XXXX XXXX XXXX XXXX. In that letter, I explicitly requested full validation of the debt, including a copy of the original signed contract, a full payment history, and the chain of assignment from the original creditor ( XXXX XXXX XXXX ) to XXXX XXXX XXXX. 

As of today, no such documentation has been provided, and XXXX XXXX XXXX has failed to respond to my dispute within the required XXXX window as outlined under the Fair Credit Reporting Act ( FCRA ). Despite the failure to validate, the account was last updated on XX/XX/year>, which constitutes continued reporting of unverifiable and disputed information in violation of FCRA Sections 611 and 607 ( b ). 

I am requesting the immediate removal of the XXXX XXXX XXXX account from my TransUnion credit report and that the CFPB hold both TransUnion and XXXX XXXX XXXX accountable for failing to respond and properly investigate the dispute in a timely and compliant 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 non-monetary relief
Consumer complaint received 2025-07-11 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$200.00}

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
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I was in a car accident.The car insurance company paid off XXXX in damages. XXXX XXXX paid off everything except for almost XXXX XXXX XXXX  paid off some. But not all. Im in a crisis.

I dont own this car anymore and I dont think its right that I have to pay anything off. I paid XXXX XXXX Thats the whole purpose of having XXXX XXXX for them to finalize the cost. I dont even have this car and I dont think I deserve to have to pay the rest off. Please help me thank you.

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 2025-07-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 NY XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
I have reach out to credit reporting agency to inform them of the request that was made to update payment history by the loan company Mohela XXXX XXXX department of ED .Account # XXXX. I will be including document supporting Deferment for the reporting dates of XX/XX/XXXX 2025, XX/XX/XXXX2025, XX/XX/XXXX2025 & XX/XX/XXXX 2025. All for a {$0.00} balance due. I requested letter supporting that request was sent to XXXX XXXX  XXXX, and Innovis.Letter was sent XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
Credit card charges associated directly with identity theft as reported to Vermont XXXX Police case # XXXX and Vermont XXXX XXXX XXXX # XXXX In the amount of {$860.00}. This has been reported multiple times and has still not been removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has in a reoccurring basis charged me for a membership that have not provided ANY benefits for. The full membership should provide access to all XXXX credit reports. The accces granted was XXXX in accurate Experian report. This has been a ongoing issues for XXXX billing cycles

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
Bounce AI sent me a letter ( received XX/XX/year>25 ) referencing a {$1000.00} debt owed XX/XX/scrub>/25 to XXXX XXXX XXXX. They claim a XXXX XXXX account number : XXXX. 

I called Bounce AI XX/XX/scrub>/25 to say I or any family member have no association with XXXX XXXX by email, phone or letter correspondence. XXXX  appear to be a company that sells insurance. All my family members are insured appropriately and have not sought extra insurance from XXXX or any other group. None of us have heard of XXXX. 

Bounce AI said I need to file with FTC and police to permit them to challenge XXXX. 

I said I am reluctant to be put to work on something that is an obvious scam but, I yield Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 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 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VA

Complaint narrative:
EdFinancial made a " mistake '' with respect to student loans this summer where instead of placing graduate students in a grace period upon graduation they accidentally placed some of us on administrative forbearance. 

As a result, payments are coming due this month that should not be due until XXXX. Moreover, notice was not provided that these loans were coming due in XXXX, and I only noticed this change by being hyper vigilant with my account. An earlier notice from Edfinancial in XXXX of XXXX  said that the loans would not come due until XXXX. 

I called EdFinancial on XX/XX/year>. They said they are working to fix this issue and confirmed the mistake occurred but did not confirm when it would be fixed. 

I am not the only borrower that this mistake applied toI know for a fact that others are in the same position. Those who are not aware of the mistake will have to pay large sums before they initially were told that they needed to, and might even fail to make the payment because they were initially informed that the payment would be in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
RE : CEASE AND DESIST - UNAUTHORIZED DEBT COLLECTION & VIOLATION OF FEDERAL CONSUMER PROTECTION LAWS To Whom It May Concern : This letter serves as formal notice to cease and desist all attempts to collect, report, or otherwise act upon any alleged debt in my name, which you claim to have purchased, acquired, or are servicing. I never authorized any of your companiesXXXX XXXX XXXX XXXX XXXX, or Professional Debt Mediationto obtain or collect on any debt originating from an original creditor. This action is in direct violation of multiple consumer protection laws. 

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

You are in violation by : Attempting to collect a debt that I never agreed to.

Failing to provide full validation of the alleged debt upon request.

Engaging in deceptive practices regarding ownership and enforceability.

2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

If you have reported, or continue to report, any tradeline or derogatory mark to any credit bureau, this constitutes : Furnishing inaccurate and unverifiable information to consumer reporting agencies.

Failure to investigate disputes regarding the accuracy of information.

Re-aging or re-reporting debts that are not legally collectible.

3. Consumer Financial Protection Bureau ( CFPB ) Guidelines Debt buyers must have full documentation and legal authority to collect. Failure to provide proof violates CFPB rules.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531, 5536 Any collection efforts without proof, misrepresentation, or coercion may be deemed illegal under UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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