vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place XXXX XXXX XXXX XXXX  act number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX  act number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place XXXX XXXX XXXX XXXX  act number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX  act number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
We were late on our payment due in XXXX. We made a double payment in XXXX to cover XXXX and XXXX. Apparently there was a {$78.00} late fee we were unaware of that we did not pay. We paid a few days late for XXXX and they automatically added the late fee. In XXXX we had a loss of employment for 30 days. We filed for a modification. In early XXXX I had XXXX XXXXXXXX and it ended up being XXXX XXXX and put me out of my new job for 2 weeks. We were still working on getting documents for our modification. We sent everything we had ( medical bills, proof of loss of employment, other bills that were starting to be late ) They responded with them wanting documentation of a hardship from XX/XX/XXXX. We sent them everything we had with a XXXX address on it but we dont have much because our hardship wasn't until XXXX. They refuse to work with us, they put our house on XXXX for auction but keep telling us " were protected " they have sent MULTIPLE people to our house to take photos of it and then they charge US {$40.00} per time THEY send someone out to do so. This is the worst Mortgage company we have ever worked with. I am working full time now and am able to afford our mortgage but they keep pushing us back. We have spoken to a few other companies asking their opinions and have been told our company is trying to push us back so we have no options when the auction date arrives. We have a significant amount equity in our home and instead of helping us with a loan modification ( which we qualify for 100 % ) they are being untruthful and trying to get my husband, I and our XXXX XXXX  out of our home. We have lived here and worked with this company since XXXX. Pennymac is the mortgage company and they have been AWFUL since the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WI

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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I

am requesting full validation of the alleged debt you claim I owe. This is not a refusal to pay. It is a request for verification under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Please provide the following : 1. Proof that I am legally responsible for this debt, including my signature on any original contract. 2. The name and address of the original creditor. 3. A detailed breakdown of the amount you claim is owed, including principal, interest, fees, and how each amount was calculated. 
4. Proof that MIDLAND CREDIT MANAGEMENT INC is licensed to collect debts in my state.

5. A copy of any judgments, if applicable.

6. Verification that this debt is within the statute of limitations for collection in my state.

7. Proof of your legal right to collect this debt, including documentation of the assignment or sale of the account. 

Until I receive all requested documentation, you must cease all collection activities, including phone calls, letters, credit reporting, or legal action, as required by federal law. 

If you can not validate this debt, you are required to : Stop all collection efforts, and Delete any negative information you have reported to the credit bureaus for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I keep seeing inaccurate and false information that has remained uncorrected despite my repeated attempts to address it. This recurring issue has become incredibly stressful and exhausting, and it continues to affect both my life and my credit score in an unfair and damaging way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I disrupted 2 transactions with Chime/XXXX XXXXXXXX XXXX XXXX XXXX 

First Transaction- XXXX XXXX XXXX XXXX {$2500.00} which was taken from my account on XX/XX/year> Second TransactionXXXX XXXX XXXX Deposit {$1900.00} Both of those charges were from the same day, completely unauthorized as I do not own a XXXX account and I closed XXXX XXXX  account in XXXX XXXX XXXX so it would not be possible for me to use that account in XXXX of XXXX 

Chime only made a dispute for the XXXX XXXX XXXX of {$1900.00} and failed to make a dispute on my behalf for the XXXX * XXXX XXXX charge of {$2500.00}. My chime account was completely compromised that day of those charges and I do not know why Chime did not add in the XXXX * TopUp charge in my original dispute. Chime did end up crediting and approving me the {$1900.00} dispute of the XXXX XXXX XXXX, but failed to even consider the XXXX dispute. 

If Chime fails to open and approve my dispute for the XXXXXXXX XXXX XXXX XXXX charge of {$2500.00} from XX/XX/year>, I will be filing a claim with XXXX XXXX, as my account was completely hacked on the day of XX/XX/year>, and Chime only disputed 1 of the 2 charges from that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Suttell, Hammer & White, P.S
State: CO

Complaint narrative:
This complain is in regard to unsuccessful attempts to resolve this matter by phone and in light of unprofessional conduct experienced during my interaction with Suttell and XXXX, A XXXX XXXX Credit Card XXXX XXXX XXXX for Bank XXXX XXXX for a debt of {$4400.00}. 

Today, I have setup a monthly payment plan, made a payment of {$200.00} after repeated effort. XXXX and XXXX did not provide any payment confirmation, payment receipt, Transaction ID, Correct XXXX & H A/C Info for my reference yet received my payment of {$200.00}. Upon asking for the proof of XXXX XXXX XXXX XXXX of monthly payment plan agreement, They refused to send any confirmation electronically, and were pretty rude with me, threatened me to come up with a lawyer to talk about this topic. 
Upon my request to talk with their XXXX, they were totally unprofessional, rude and hung up on me once, or playing with me, forwarding me to a number that's going to voice machine all the time

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit inquiries that did not authorized 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

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXXXXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX XXXXXXXX | XXXX XXXX XXXX \ XXXX XXXX | XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXXXXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX XXXXXXXX | 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : [ Insert Todays Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : 605B Follow-Up Failure to Block Fraudulent Information Dear XXXX, I am writing to follow up on my identity-theft dispute originally submitted on [ insert the date of your original dispute ] regarding fraudulent accounts that appeared on my credit report. The disputed accounts are : XXXX. Apartment lease account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Gas utility account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), XXXX  is required to block all information resulting from identity theft within four ( 4 ) business days of receiving appropriate proof of identity and an identity-theft report. 

Despite submitting this documentation, the fraudulent accounts remain on my report. Please treat this letter as my formal follow-up and demand for compliance w

ith 605B. I am again including copies of : My government-issued photo ID Proof of address FTC Identity Theft Report and/or police report ( if applicable ) Please provide written confirmation that these accounts have been permanently blocked or deleted from
my file. If you determine not to block them, provide a detailed written explanation, including the specific evidence relied upon for your decision.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A teller deposit was duplicated in error by Wells Fargo. The bank reversed the duplicate before the real check cleared, which caused my account to show a false {$950.00} balance and completely restricted my funds. I was left without access to money for gas, groceries, and transportation to work. Customer service refused to correct it. This caused significant hardship and distress.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I am filing a complaint regarding a debt reported by OneMain Bank that is not mine. I have never opened this account, authorized this debt, or had any relationship with OneMain Bank. 

Previously, I was informed by OneMain Bank that this debt would be deleted from my file because it could not be verified. My case number is XXXX. Despite this, the account continues to appear on my credit reports. This is inaccurate reporting and is negatively affecting my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
i have not supplied proof under the XXXX of XXXX by the XXXX XXXX v XXXX ( mo ) XXXX XXXX. Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$430.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$480.00}, XXXX XXXX balance {$950.00}, XXXX balance {$4800.00}.

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