vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: CT

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dear Carrington Mortgage Services, I am writing to formally escalate an ongoing issue regarding the mishandling of homeowners insurance payments and verification for my property at XXXX XXXX XXXX XXXX XXXX XXXX 

According to your records, Carrington issued a payment to XXXX XXXX on XX/XX/XXXX, in the amount of {$2600.00}. This payment was made based on a verbal confirmation you received from XXXX on XX/XX/XXXX, that my insurance policy had been renewed. No written documentation was provided to substantiate this confirmation, and I was not copied on any such correspondence. Furthermore, I was unaware that the policy had lapsed until my escrow account went negative and my monthly mortgage payment increased by {$600.00}. 

Subsequent communications revealed that the policy was mishandled by XXXX, and a revised policy was only officially issued on XX/XX/XXXX, under policy number XXXX with XXXX XXXX. However, prior to the resolution of that issue, Carrington sent an additional payment to XXXX on XX/XX/XXXX, in the amount of {$4000.00}, raising further concerns about duplicate or unnecessary payments and a lack of internal controls. 

I have made multiple attempts to address this with your insurance department but have been unsuccessful in receiving a resolution or escalation contact. I am now at risk of being denied coverage and incurring continued financial hardship due to what appears to be a series of administrative oversights and poor coordination between Carrington and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NJ

Complaint narrative:
I don't recognize these addresses please remove, Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXXk, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Ny XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Duplicate Reporting XXXX XXXX XXXX XXXX Dear Experian, I am writing to formally dispute the inaccurate and duplicate reporting of a XXXX XXXX XXXX XXXX account on my credit report. You are currently reporting two different accounts which clearly represent the same original debt, in violation of the Fair Credit Reporting Act ( FCRA ) : Account # XXXX Account # XXXX  These accounts reflect the same credit card, opened on XX/XX/XXXX, and both indicate the original creditor as XXXX XXXX XXXX XXXX, which has since sold the account. However, the entries contain conflicting and inconsistent information : One account shows the balance was last updated on XX/XX/XXXX, while the other shows a last update of XX/XX/XXXX. 
One reflects the last payment as XX/XX/XXXX, while the other lists it as XX/XX/XXXX. 
One reports credit usage at 106.1 %, the other at 105.2 %. 
One has a past due amount of {$10000.00}, while the other lists {$930.00}. 
One shows a charge-off or closed date of XX/XX/XXXX, while the other claims XX/XX/XXXX. 

These discrepancies and dual reports constitute duplicate reporting and an inaccurate reflection of my credit history, which violates : FCRA Section 604 ( b ) Ensures only accurate, complete, and up-to-date information is reported. 
FCRA Section 607 ( b ) Mandates maximum possible accuracy of the information furnished. 
FCRA Section 611 Gives consumers the right to dispute incomplete or inaccurate information. 

Because these entries represent the same debt but are listed separately with conflicting data, this amounts to double jeopardy on my credit file and causes unjust harm to my creditworthiness. I demand the immediate deletion of both accounts from my Experian report. 

Should this issue not be resolved immediately, I reserve the right to pursue legal action under the FCRA for damages resulting from negligent reporting and failure to conduct a reasonable investigation. 

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 explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Truist Bank informing me that they had closed a business account they had opened with my information due to fraudulent transactions. I immediately called the bank to find out what the issue was, as I had never opened a business account with them. I have a personal checking account, and to prevent them from doing anything to my personal account, I spoke with the bank representative to block my account. 

Then they explained that they had opened an online account with all my information, including my Social Security number. The only thing that doesn't match is the phone number they used. Now the bank has my money on hold, and it's under investigation. I've called and gone to the bank several times to unlock the account and withdraw my money, but they've kept it on hold without any written communication from them, saying it's under investigation. Several weeks have passed, and they haven't released my money. I'm not at fault for this problem, and my money was deposited long before this identity theft occurred. I'm asking you to intervene, look into my case, and help me get Truist to release my money. Please.

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 2025-06-01 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: NY

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : 1. XXXX XXXX  Auto/Installment Loan Account XXXX XXXX XXXXXXXX | Balance : {$20000.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Installment / Deposit Account XXXX XXXX XXXXXXXX / XXXX | Balances : {$3000.00} & {$890.00} 3. XXXX XXXX XXXX Installment Loan Account XXXX XXXX XXXXXXXX | Balance : {$1800.00} Collection Accounts : 4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. ) Account XXXX XXXX XXXX | Balance : {$1300.00} 5. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX | Balance : {$640.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX | Balance : {$790.00} 7. XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX | Balance : {$3100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-06-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute an issue related to the unauthorized disclosure of my nonpublic personal financial information, which I believe has been mishandled by one of your reporting members. This issue pertains to the requirements set forth in the Gramm-Leach-Biley Act ( GLBA ), specifically to nonaffiliated third parties without proper notice or consent. 

Upon reviewing my recent credit report, I have reason to believe that my nonpublic personal financial information has been shared without my explicit consent, in violation of the GLBA 's privacy provisions. 
Specifically, I would need all collections removed from my credit report. 

Under 15 U.S.C. 6802, financial institutions are required to provide consumers with a notice of their privacy policies and to offer an opportunity to opt-out before disclosing information to third parties. I believe this requirement has been violated in my case. 

I respectfully request that you : 1. Investigate this issue 2. Correct or remove any items on my report that were a result of unauthorized disclosure of my private information. 

3. Ensure that this practice is not in-going or will not continue to effect my credit report. 

Please provide a written response to my dispute within the 30 day period required by the Fair Credit Reporting Act ( FCRA ). If you need further clarification, I am happy to provide additional information as needed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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 explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
All my personal information was exposed and compromised XXXX data breach including email addresses and my identity was stolen and I dont recognize the inquiries or accounts listed below : XXXX. XXXX XXXX XXXX. Collections 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a total of XXXX Inquiries on my credit report with Transunion. The inquiries are old and should have been removed off my credit report and each month pass and still no current update.

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 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per XXXX XXXX. XXXX, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within XXXX days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple unauthorized hard inquiries that appear on my credit report. I did not apply for credit or authorize these entities to access my credit file, yet hard inquiries from the following companies have been reported : These inquiries are negatively impacting my credit score and were not made with my consent. I have contacted the credit bureaus and the companies listed, but I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that are authorized by the consumer or made in connection with a legitimate business transaction should appear on a consumers credit file.

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 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Based on my credit report on XX/XX/XXXX, a collection from Transworld systems Inc was placed on my credit report. 
I have no recollection of this collection nor is the account listed by the original credit has been verified. No signature from myself was given to either company stating that I owe the amount they have listed. Based on the FCRA 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: WI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I initially purchased a watch on Order Number : XXXX which the delivery was refused so XXXX received their return and issued a refund to Goldman XXXX XXXX Goldman XXXX has maintained the refund and left the initial charge of {$420.00} on my credit card never honoring the credit issued by Apple Store. I will provide an audio of the supervisor name ball recognizing the Apple Store credit of {$420.00} yet maintaining that I owe {$420.00} despite receiving their return or money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
I received an email on XX/XX/XXXX and XX/XX/XXXX from XXXX that someone took out another installment loan on my account with XXXX XXXX XXXX XXXX XXXXXXXX Missouri. I called them to report that card as fraud and was told to file a report with you all and submit a copy to them. They flagged it as fraud.

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 2025-06-02 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. XXXX XXXX

Company response to consumer: Closed with non-monetary relief