vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
Upon reviewing my credit report this morning, I was alarmed to find incorrect accounts listed, with no explanation for their presence. I regularly check my report, but this time, unexpected errors appeared. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Therefore, I request that the documents I provided be thoroughly examined to ensure I never have to deal with this again.

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 2025-03-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I received a notification from Freedom Mortgage saying they were adjusting my Escrow balance, which is raising my mortgage payment by almost {$1200.00} per month. My insurance has not gone up, my taxes have only gone up {$1800.00} a year, so this is not adding up. I called Freedom and they said they require a cushion of an additional $ XXXX and that they anticipated a shortfall of $ XXXX. I recently did an IRRL with them and my payment was calculated with current taxes, insurance and principal payment at {$5600.00}. They can not explain to my why they have increased it to {$6700.00}. I can't get any information or help from them, but I told them on phone that I do not agree to this adjustment. I need help

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-03-21 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 am writing to you for the second time to dispute the presence of unverified information on my credit report, as stipulated in 15 U.S.C. 1681c-2. The following accounts have been reported in my credit history without the creditors providing legitimate debt validation. I am once again attaching a copy of my FTC Identity Theft Report ( Report XXXX : XXXX ) as evidence to support my request for the immediate removal of these records. 

Accounts to be removed due to lack of debt validation : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} NCB Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} According to the law, credit bureaus are obligated to verify reported information and remove any account that has not been properly validated. Since no legitimate documentation has been provided to support these accounts, I demand their immediate removal. 

Inaccuracies Found in the Reports and FCRA Violations : Failure to verify debt requirements : I have not received any contract or signed document proving that these accounts belong to me, which constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Inconsistencies between credit bureaus : These accounts show discrepancies in the reports from XXXX, XXXX, and Equifax, including differences in last activity dates, balances, and account statuses. This contradictory information fails to meet the obligation to maintain accurate data as required by the FCRA ( 15 U.S.C. 1681e ( b ) ).

Reporting closed accounts as open : Some accounts appear as open in one credit bureau and closed in another, negatively impacting my credit score. 

Maintaining accounts in a " charge-off '' status without justification : Creditors have not demonstrated that these accounts are valid, yet they continue to report them in a way that negatively affects my credit. 


I am attaching a copy of my identification, my FTC report, and the credit reports where these accounts appear for your review. 

I expect a prompt response as required by law. If a resolution is not provided within the stipulated time, I will proceed with the appropriate legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX CO ) XXXX BALANCED {$0.00} XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FINANCIAL SERVICE - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX  FINANC - XX/XX/XXXX XXXX XXXX FEDERA - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XACTUS - XX/XX/XXXX PARKNATION - XX/XX/XXXX XACTUS - XX/XX/XXXX XACTUS - XX/XX/XXXX CAPITALONE - XX/XX/XXXX XXXX - XX/XX/XXXX XACTUS - XX/XX/XXXX DANCUMMINS - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report. I believe that my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). 

**Personal Information : ** - **Full Name : ** XXXX XXXX XXXX XXXX*Date of Birth : ** XX/XX/XXXX - **Social Security Number : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX La, XXXX - **Phone Number : ** XXXX - **Email Address : ** XXXX **Details of the Complaint : ** I have recently reviewed my credit report and noticed several inquiries that I did not authorize. The details of these inquiries are as follows : 1. **Company Name : *XXXX XXXX XXXXXXXX XXXX **Inquiry Date : ** XX/XX/XXXX 2. **Company Name : ** XXXX XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 3. **Company Name : *XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 4. **Company Name : ** XXXX XXXX **Inquiry Date : ** XX/XX/XXXX XXXX. **Company Name : ** [ Any other relevant company ] **Inquiry Date : ** [ Any other relevant date ] I did not authorize any of these companies to access my credit report, and I am concerned that this may indicate a violation of my rights under the FCRA. I have not applied for credit with these companies, nor have I given them permission to review my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report. I believe that my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). 

**Personal Information : ** - **Full Name : ** XXXX XXXX XXXX XXXX*Date of Birth : ** XX/XX/XXXX - **Social Security Number : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX La, XXXX - **Phone Number : ** XXXX - **Email Address : ** XXXX **Details of the Complaint : ** I have recently reviewed my credit report and noticed several inquiries that I did not authorize. The details of these inquiries are as follows : 1. **Company Name : *XXXX XXXX XXXXXXXX XXXX **Inquiry Date : ** XX/XX/XXXX 2. **Company Name : ** XXXX XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 3. **Company Name : *XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 4. **Company Name : ** XXXX XXXX **Inquiry Date : ** XX/XX/XXXX XXXX. **Company Name : ** [ Any other relevant company ] **Inquiry Date : ** [ Any other relevant date ] I did not authorize any of these companies to access my credit report, and I am concerned that this may indicate a violation of my rights under the FCRA. I have not applied for credit with these companies, nor have I given them permission to review my credit history.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Deb Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). North Carolina Collection Agency Act ( N.C. Gen. Stat. 58-70-1 ) Debt Validation Request under Regulation F & FCRA To comply with federal regulations, I request that you provide : Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 

Debt Verification : Breakdown of the debt amount, including principal, interest, fee, and other charges as required under 12 CFR 1006.34 ( c ). 

Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it. 

Itemized Date : Provide the specific reference date you used in your itemization ( such as the last statement date. Etc. 

Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 

Proof of Permissible Purpose : Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 

Cease Collection Until Validation is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report. 

Credit Reporting Requirements : If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 168 1s-2 ( a ) ( 3 ). 

If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA. 

I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. 

Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). 



NEXT STEPS Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. 



Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. 



Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In late XXXX, I opened a credit card ending in XXXX with American Express. This card had its annual fee charged on XX/XX/XXXX, and the card was closed down on XX/XX/XXXX. They said that " cards linked to this card '' were misused ( but no one will ever tell me how anything was misused ). I called in and have had a person tell me the annual fee would be credited back before the statement closed, and it never was. I now have a rep telling me that it is not eligible because the card was misused, but the cancelation letter specifically cites OTHER cards were misused. 

Although there are multiple problems here, this very specific one should be the first one dealt with. The annual fee for the card ending in XXXX should be credited back, all interest should be credited back- the card was not open for one month therefore by your own terms and conditions should not be charged an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am requesting that Portfolio Recovery Associates cease all collection activity on a debt they are attempting to collect. I do not acknowledge this debt as valid and have not received proper verification. 

On [ insert date ], I sent a formal Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), requesting that Portfolio Recovery Associates stop contacting me regarding this matter. Despite this, I continue to receive calls, letters, or negative credit reporting. 

Additionally, I believe this debt may be past the statute of limitations for collection in my state. If so, continued collection attempts may violate consumer protection laws. 

I request that the company immediately stop all collection efforts and, if the debt is invalid or unverified, remove any negative reporting from my credit file. If they believe the debt is valid, I request written proof of the original creditor details and my obligation to pay. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

Company response to consumer: Closed with non-monetary relief