vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : XXXX. XXXX name : PORTFOLIO RECOV ASSOC Account balance : {$440.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX Account balance : {$680.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account balance : {$1400.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I recieved a letter for XXXX XXXX which is my previous name stating that this company is collecting a debt from 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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage made a serious servicing error on my mortgage ( Loan # XXXX ), which has caused financial harm and made it nearly impossible to resolve the issue. 

My XX/XX/year> mortgage statement suddenly shows an Escrow/Impound charge of {$17000.00} and a total Amount Due of {$21000.00}. This is incorrect : my hazard insurance is paid through my HOA and my property taxes have already been paid, so I should not have an escrow account or any escrow shortage. 

Despite this mistake, Freedom Mortgage withdrew approximately {$10000.00} from my XXXX XXXX XXXXXXXX account without my authorization. This withdrawal was far higher than my normal XXXX XXXX XXXX  payment ( XXXX bi-weekly ) and I received no notice of an increased draft amount. This unauthorized withdrawal caused my bank account to go negative. 

On XX/XX/XXXX, I attempted to resolve the issue by phone. I was able to reach an initial agent and was transferred to a specialist, but each call disconnected at approximately the XXXX mark. This happened three separate times. I was not on hold I was actively speaking with representatives and no one called me back after the disconnections. As a result, I have been unable to reach anyone who can help. 

I never received : - An escrow analysis - A notice of escrow activation - A notice of any force-placed insurance - Any explanation of the sudden {$17000.00} escrow charge This appears to be a servicing error involving either force-placed insurance added incorrectly, misapplied tax or insurance payments, or another erroneous escrow calculation done without proper notice.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-01 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: SC

Complaint narrative:
I am filing this complaint because there are several accounts, inquiries, and late payment entries on my credit reports that I believe are inaccurate, incomplete, or not properly verified. I am requesting that each credit bureau conduct a full, lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ) and correct or remove any unverifiable information. 
Charged-Off Accounts I am disputing the accuracy of the following accounts appearing on my Experian report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00} XXXX request documentation confirming all reporting details. Any information that can not be fully verified must be corrected or removed. 

Inquiries I dispute the following inquiries, as I do not believe they were properly authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I request proof of permissible purpose. Any inquiry lacking verification should be deleted. 

Late Payments I dispute the accuracy of the following late payment entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these entries. If Experian can not obtain valid documentation, they should be removed.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute & Request for Investigation Lack of Written Consent ( FCRA, 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to dispute and demand the immediate investigation of items appearing on my consumer report that were obtained or furnished without my written authorization, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, consumer reporting agencies are required to ensure maximum possible accuracy of the information they report and may only furnish consumer reports for permissible purposes, as defined in 15 U.S.C. 1681b. A permissible purpose requires proper authorization or a legally valid reason.

I hereby state : I did not provide any written instructions, authorization, or consent to any third party to obtain, access, use, or furnish my consumer report. 

Therefore, any account, inquiry, or entry on my report that was obtained without my explicit written consent is unauthorized and must be removed. 

The following items are disputed due to lack of authorization : Bank of America XXXX checking XXXX Account closer in XXXX ) no authorization provided In accordance with 15 U.S.C. 1681i, I am requesting : 1. A reinvestigation of each disputed item.

2. Deletion of all unverifiable, unauthorized, or improperly accessed information.

3. A complete copy of the results of your investigation.

4. The name, address, and permissible purpose claimed by each furnisher or party who accessed my report.

Please note that the FCRA requires you to complete your investigation within 30 days. If the disputed information can not be verified with documentation proving my written consent, it must be deleted immediately. 

I expect full compliance with federal law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/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 2025-12-01 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: NC

Complaint narrative:
My credit reports show three XXXX accounts even though I only had two loans. The bureaus are reporting these loans as current with recent late payments in XXXX, even though these loans have been closed/charged off for years and XXXX XXXX XXXX XXXX in 2016. This is false reporting, duplicate reporting, and illegal re-aging. 

I asked XXXX for validation, including ownership proof, chain of title, transfer records, charge-off info, and an explanation for the inaccurate reporting. XXXX did not provide this. Their CFPB response contained only old promissory notes that do not validate the current reporting or explain why the bureaus show these accounts as active. 

Because the reporting is inaccurate and XXXX failed to validate, I am requesting a full reinvestigation and compliance review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am writing this letter as a final form of communication with proof provided from the original creditor regarding an alleged debt reporting from XXXXXXXX XXXX. This debt has a reporting balance of {$1100.00} and is reporting as a collection. 

As you are able to see, I have disputed this debt on several occasions and as of recently, on the grounds of falsification and inaccuracy. I was recommended by Equifax to reach out to the original creditor regarding the debt to see if there was any further information they could provide to help my dispute since XXXX continues to verify the debt based on them getting their information from the creditor. This is a medical debt that was a product of a hospital visit in XXXX of XXXX. 

At the time of my visit, the hospital WAS and XXXX XXXX XXXX XXXX XXXX. This can be validated by the original itemization invoice that I provided in my last dispute. Prior to this, the hospital was owned by a company known as XXXX XXXX. XXXX XXXX completed their acquisition of XXXX XXXX network in XX/XX/XXXX, which was eight months prior to my visit. I find it very interesting that the two documents that XXXX is using as validation of the debt, are coming from XXXX XXXX and not XXXX XXXX XXXX. You can see this at the top of all of their documents. After reaching out to the hospital 's accounts department, they informed me that they had NEVER sent my information to a debt collector and that I had an account balance of XXXX. This is because as a not for profit hospital, XXXX XXXX made a charity care adjustment on my remaining balance, meaning that the amount being reported by XXXX per XXXX XXXX, is falsified, unjustified and ultimately inaccurate as I have been stating! 

Because there is no balance and because I do not owe a company that was no longer in ownership of the hospital upon my visitation, there is no reason why this debt should continue reporting. Because I signed an agreement with XXXX  and not XXXX XXXX, there is no reason why XXXX should be sending my information to a debt collector to collect money for services that they never provided, for amounts that I never knew of. There is also no reason why a company that allegedly went bankrupt should be trying to profit from my medical information! 

Attached will be the letter received from XXXX confirming the amount balance of XXXX. Since it is a FDCPA violation for collectors to report settled or paid debts as unpaid, I am requesting this collection to be DELETED and cease its reporting from ALL credit bureaus immediately. May you be as prompt to delete this debt as you all were in reporting it and tarnishing my credit score and profiles.

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 2025-12-01 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: FL

Complaint narrative:
I am writing this letter as a final form of communication with proof provided from the original creditor regarding an alleged debt reporting from XXXXXXXX XXXX. This debt has a reporting balance of {$1100.00} and is reporting as a collection. 

As you are able to see, I have disputed this debt on several occasions and as of recently, on the grounds of falsification and inaccuracy. I was recommended by Equifax to reach out to the original creditor regarding the debt to see if there was any further information they could provide to help my dispute since XXXX continues to verify the debt based on them getting their information from the creditor. This is a medical debt that was a product of a hospital visit in XXXX of XXXX. 

At the time of my visit, the hospital WAS and XXXX XXXX XXXX XXXX XXXX. This can be validated by the original itemization invoice that I provided in my last dispute. Prior to this, the hospital was owned by a company known as XXXX XXXX. XXXX XXXX completed their acquisition of XXXX XXXX network in XX/XX/XXXX, which was eight months prior to my visit. I find it very interesting that the two documents that XXXX is using as validation of the debt, are coming from XXXX XXXX and not XXXX XXXX XXXX. You can see this at the top of all of their documents. After reaching out to the hospital 's accounts department, they informed me that they had NEVER sent my information to a debt collector and that I had an account balance of XXXX. This is because as a not for profit hospital, XXXX XXXX made a charity care adjustment on my remaining balance, meaning that the amount being reported by XXXX per XXXX XXXX, is falsified, unjustified and ultimately inaccurate as I have been stating! 

Because there is no balance and because I do not owe a company that was no longer in ownership of the hospital upon my visitation, there is no reason why this debt should continue reporting. Because I signed an agreement with XXXX  and not XXXX XXXX, there is no reason why XXXX should be sending my information to a debt collector to collect money for services that they never provided, for amounts that I never knew of. There is also no reason why a company that allegedly went bankrupt should be trying to profit from my medical information! 

Attached will be the letter received from XXXX confirming the amount balance of XXXX. Since it is a FDCPA violation for collectors to report settled or paid debts as unpaid, I am requesting this collection to be DELETED and cease its reporting from ALL credit bureaus immediately. May you be as prompt to delete this debt as you all were in reporting it and tarnishing my credit score and profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I am unable to use my venmo account because when I opened it and was sent money, something went wrong with the personal.Identification verification, and I have been trying to clear it up 44 months.I 've asked them over and over.I 've done everything that they asked me to do, which might be the problem with no resolve. 

When I tell him exactly what the problem is, they say it's something else.But that's not, it? It tells me specifically.You can't do anything because you have not been identified. 

Once you identify your personal identity, then you can move on and use venmo.But for now, you can't do anything with ven.

Company response to consumer: Closed with non-monetary relief