vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: IN

Complaint narrative:
I recently got laid off. I called us bank to ask them my best course of action. They told me to ask for a settlement. They said it would just show paid on my credit report. No derogatory remarks. I was told this by XXXXwo employees. So I did. I get my credit report and US Bank gave me derogatory on the report. They said they would just 1099 me at the end of the year. I feel I was lied to and this is a scam and horrible business practice as well as illegal. I would have sold the trailer of if I knew it would hurt my credit. This was XXXX at the time. If I would have been told the truth I would have kept paying until we had sold it. I feel 2 employees told me they could pull the tapes. To see what they said. Thank you 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The following account ( s ) are being reported inaccurately : Account Name : DP OF EDUC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I received an alert from XXXX  that a new collection account had appeared on my credit report. I'm XXXX XXXX XXXX XXXX XXXX and I've never had any collection matters and have excellent credit. I immediately logged on to my XXXX  account and learned that the account had been placed on my report by a company called Credit Collection Services. I've never had any communication from Credit Collection Services. I immediately went online and found their call center phone number, which I called. I learned from Credit Collection Services that the falsely and fraudulently asserted debt was from XXXX XXXX XXXX. I had cancelled my XXXX XXXX auto coverage in XX/XX/year> at a point in time when the policy had been paid in full for that six-month period. After my cancellation of the policy, I had never received any communication from XXXX about any balance due. I explained all of this to the representative at Credit Collection Services. That person told me that there was nothing they could do. Out of concern about the impact that a collection account would have on my credit report and score, I advised that I would be filing a complaint with CFPB and the FTC, but would pay the falsely-asserted amount to minimize any impact on my credit report or score. I, in fact, made the payment during the conversation with Credit Collection Services on XX/XX/XXXX. I further advised that based on the information I provided that I wanted the collection account removed from my credit report. CCS advised that there was nothing they could do and refused to provide me with any contact information for XXXX. I plan to bring a legal action against both XXXX and CCS to recover the amount I paid in protest and for damages potentially created by their false collection report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Spring Oaks Capital LLC XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Unauthorized Access and Use of Credit Information Violation of 15 U.S.C. 1681 Dear Spring Oaks Capital LLC, I am writing to formally dispute and demand investigation into the unauthorized access and use of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. Under this provision, consumer reporting agencies are only permitted to furnish a consumer report under specific circumstances and only with proper authorization, particularly written consent in cases not otherwise authorized by law. 

Upon review of my credit report, I have discovered that SPRING OAKS CAPITAL LLC accessed or was furnished my credit information without my express written consent and without a legally permissible purpose under 1681b. I never authorized this inquiry nor any furnishing of my information to said entity. 

I demand that the credit bureau : Immediately investigate this matter as required under 15 U.S.C. 1681i, including a reinvestigation of any related entries ; Provide evidence of permissible purpose, including a copy of any written authorization, if it exists ; Delete any unauthorized inquiries or accounts resulting from the unauthorized access ; Confirm in writing the results of your investigation within the required 30-day period. 
Please note that failure to comply with federal law can result in penalties, and I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal remedies if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to the credit bureau and/or debt collector requesting full validation of an alleged debt account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to receive proper documentation validating the debt before it can legally remain on my credit file. 



I specifically requested the following : A copy of the original signed contract or agreement bearing my signature A full accounting of the debt, including itemized statements or billing history Proof of ownership and legal right to collect and report the debt ( chain of custody from original creditor to the current XXXX ) Documentation of authorization to report this debt to any credit bureau The company failed to provide any of this information within the timeframe required by law. Despite their failure to validate the debt, they continue to report it to the credit bureaus, causing harm to my credit profile and violating my consumer rights. 



I am requesting immediate investigation and removal of the unverified debt from my credit report. Continuing to report unverifiable or inaccurate accounts is a direct violation of federal law.

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 2025-07-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I submitted a credit card application for the American Express Platinum Card on or around XX/XX/year> and was later denied. I am formally requesting reconsideration, but more importantly, I am concerned about the lack of transparency surrounding how my application was handled. 

I have asked for a copy of my application, all disclosures, and whether my information was used to create financial instruments, assets, or internal collateral without my knowledge or consent. I am also seeking confirmation that my application was not monetized, securitized, or transmitted to the Federal Reserve for any purpose without extending credit to me. 

To date, I have not received a full response from American Express. I am requesting that the CFPB investigate whether my consumer credit information was used for internal or financial gain despite the denial of my application, and ensure compliance with ECOA, TILA, and FCRA regulations. 

I am open to resolution and reconsideration of my application but expect full transparency in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Someone hacked my cell phone and took all my information for banking and credit cards. The bank insisted I gave this information! I did not. I had previously been scammed by a long term relationship that was false. I believe he shared my info, and has caused these charges against my accounts. I changed my email, phone number, had my phone set to factory to try to avoid further charges but they kept happening. The bank has accused me of giving it to overseas persons! They had all my info. 
They treated me like a thief. They messed with my social security sending my check back. They told me to close my account. I had several items still charged to me that were not my charges. They made it impossible for me to get my money for weeks after it was credited back to my account. They also kept {$250.00} that they credited and held, til all were cleared and then said I had received it! I gave up asking for all the little charges that were being made. I told them over and over not to allow XXXX charges as we did not have XXXX in the town where I lived. 
I did file a report on The scams to XXXX XXXX MI sheriffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRAs for a Validation of Debt ; however, the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with.

Please copies of all supporting documentation attached : My drivers license, FTC complaint, Identity theft Affidavit, Equifax report showing my personal information exposed in their data breach, Copy of XXXX report showing my personal information exposed in the XXXX XXXX data breach, Utility Bill in my name and letters to all three CRAs asking them to block the inaccurate data from 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my student loan account. The reported delinquencies occurred during an approved deferment period, during which no payments were due. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers are entitled to accurate reporting. Additionally, according to 34 CFR 685.205 ( b ) under the Higher Education Act, federal student loans in deferment must not be reported as late or delinquent. 

Despite multiple attempts to resolve this directly with the loan servicer, the inaccurate information has not been corrected and I have received no adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TN

Complaint narrative:
Despite multiple phone calls and certified letters, Equifax continues to report a very old charge off account ( XXXX XXXX  ending in XXXX ) that is beyond the seven-year limit of reporting. This account was closed back in XX/XX/year>, making it seven years and one month old. Both XXXX  and XXXX  credit reporting agencies removed this account many months ago, but Equifax has continued to report it in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> cash app allowed a fraudulent transaction for door dash of {$96.00} to be withdrawn from my account. I contacted cash app gave them evidence but they have not resolved the issue promptly stating it will take XXXX  days. Now my bank account is in overdraft and I will be charged extra fees. I have attached my last door dash transaction which was on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OH

Complaint narrative:
XXXX  has collection on my account i donot agree with, they are unwilling to share with me how they came to this conclusion.I was not under contract with force alarm when I terminated there service. this is a scam this company and quite possible Zion Holdings is part of, i recieved XXXX services from them

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am filing this complaint against PennyMac Loan Services regarding improper and potentially unlawful fees assessed on my XXXX mortgage. 
I successfully completed a Special Forbearance Plan approved by FHA and serviced through PennyMac from XX/XX/XXXX through XX/XX/XXXX. Despite my full compliance and on-time monthly payments of {$780.00} during the forbearance term, PennyMac charged me a {$120.00} late fee each month. This appears to violate HUDs forbearance guidelines, which prohibit late fees during an active and compliant forbearance plan. 

Additionally, on XX/XX/XXXX, PennyMac charged me a {$15.00} Non-Sufficient Funds ( NSF ) fee, even though the payment of {$2000.00} cleared successfully through my bank. This fee was applied erroneously and without explanation. 

To further compound the issue, I was assessed an additional {$110.00} in late charges on the same day ( XX/XX/XXXX ), immediately after my scheduled payment was processed. This contradicts both my payment history and any fair servicing conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked or Delete : 1. XXXX XXXX/ XXXX XXXX. XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-07-20 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: Credit Control, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Credit Control , LLC regarding a claimed debt of {$7200.00} allegedly transferred from XXXX XXXX. The letter requested written validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including a breakdown of the amount, original contract, and proof of transfer. 
The company has failed to respond within the required XXXX validation window. No documents were provided, and no communication was received regarding the dispute. I also requested that the alleged debt be removed from all credit reporting agencies until verified, but the account continues to appear on my credit report. 
This lack of response violates both FDCPA and Fair Credit Reporting Act ( FCRA ) protections. I have not entered into any contractual agreement with Credit Control , LLC, and no proper validation has been produced to justify ongoing reporting or collection.

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