vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: KY

Complaint narrative:
Bottom line : Paramount residential Mortgage Group ( PRMG ) has failed to provide closing documents to the XXXX  within the allotted 30 days and I have not received my XXXX  entitlement back. 

I sold a property on XXXX XX/XX/year> via XXXX  Loan Assumption. 
On or about XXXX XX/XX/year> my realtor reminded me to request a XXXX from the XXXX  to verify the property has fallen off my entitlements. On XXXX XX/XX/year>, XXXX  provided me a XXXX that still reflects this property counting against my XXXX  entitlement. 

On XXXX XX/XX/year>, my realtor reached out to " XXXX '' requesting an update and PRMG did not respond. On the same date, I called the new jersey branch that serviced the loan and they refused to speak to me because I was not the owner of the loan. 

Following that call, on XXXX XX/XX/year> I called XXXX corporate and one of the workers was able to put in a trouble ticket to try to resolve the issue. On XXXX XX/XX/year>, I followed up with this point of contact and she stated she believed the issue was resolved. on XXXX XXXX I requested and received another XXXX  XXXX that reflects XXXX XXXX counting against my entitlement. 

On XXXX XX/XX/year>, I called the XXXX  and they provided the following background. On XXXX the XXXX  Rep. sent a notification to XXXX  PRMG, requesting the closing/disclosure documents. Failing to hear back from XXXX, the XXXX  sent another reminder on XXXX XX/XX/year> requesting the documents. 

The corporate office remains responsive but is unable to resolve the issue, while the New Jersey office refuses to even open a ticket or discuss the issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: Block, Inc.
State: AL

Complaint narrative:
A person name XXXX was transferring money from my cashapp to his bank account/Debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: OK

Complaint narrative:
I did not open these accounts, and they seem to be counterfeits. I encourage you to thoroughly examine them and take them off of my credit report. Attached are pertinent supporting materials.

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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To whom this concern : I am submitting this complaint against XXXX XXXX XXXX regarding a falsely reported debt on my credit report and their refusal to engage in fair and transparent collection practices. 

XXXX XXXX is currently reporting a balance of approximately {$1100.00} on a collection account that I believe is inaccurate and falsely inflated. To address this matter, I contacted the company and formally requested a letter confirming the balance and validating the debt in writing. Despite this request, I have not received any documentation or explanation that justifies the amount being reported. 

I also attempted to resolve the issue in good faith by offering to settle the account for 3050 % of the balance, which is a standard and reasonable range for debt settlement. My offer was refused outright, and I was given no clarity regarding why the balance could not be adjusted or validated. 

This situation is highly concerning for several reasons : The balance being reported to the credit bureaus appears false and unverified, which may violate the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX failure to provide validation after a direct request violates consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Their refusal to negotiate or provide transparency reflects unfair and potentially deceptive collection practices. 

I am requesting that your office investigate this matter and take appropriate action. 

Specifically, I ask that XXXX XXXX be required to : Provide a complete validation of the debt, including the original creditor, itemized charges, and how the total balance was calculated. 

Correct or remove any inaccurate or unverifiable information from my credit report. 
Respond to consumer settlement attempts in a fair and lawful manner. 
Thank you for your time and attention to this matter. I am prepared to provide any supporting documentation you may need and look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: CA

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
XXXX XXXX # XXXX - filed several disputes XXXX XXXX # XXXX - filed several disputes Accounts are in litigation and transunion neglects to stop reporting and verifying accounts accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXX * * * * 2. XXXX  XXXX Account Number : XXXX * * * * 3. XXXX Account Number : XXXX * * * * 4. XXXX XXXX Account Number : XXXX * * * * XXXX. XXXX  XXXX Account Number : XXXX * * * * 6. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * 7. XXXXXXXX XXXX Account Number : XXXX * * 8. XXXX Account XXXX : XXXX * * * * 9. XXXX XXXXXXXX XXXX  Account Number : XXXX * * * * 10. XXXX Date of inquiry : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX 16. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 18. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX XXXX Date of inquiry : XX/XX/XXXX 20. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing an XXXX XXXX account issued by XXXX XXXX ( account # XXXX ). This account shows more than XXXX days of delinquency and was previously disputed, but no supporting documents were ever provided by the creditor. I never received any formal collection notice or debt validation. The account reflects missed payments even after it was closed. I am requesting deletion due to failure to verify the debt and Fair Credit Reporting Act violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I am disputing an XXXX XXXX account issued by XXXX XXXX ( account # XXXX ). This account shows more than XXXX days of delinquency and was previously disputed, but no supporting documents were ever provided by the creditor. I never received any formal collection notice or debt validation. The account reflects missed payments even after it was closed. I am requesting deletion due to failure to verify the debt and Fair Credit Reporting Act violations.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I paid off a student loan and filed a dispute with TransUnion because the balance was stated incorrectly on my credit report. TransUnion corrected the balance, but incorrectly labeled the account " settled - for less than original amount '' when the account was paid in full. TransUnion had the documentation I submitted showing the account was paid with {$0.00} balance remaining. I filed another dispute with TransUnion to correct the mislabeled account, and live chatted with a representative, who responded in a hostile manner, informing me that the dispute was the only option. TransUnion 's neglectful error caused my credit score to drop by XXXX points, with no apology for the oversight, and no offer to look into it. Great customer service! Who will take responsibility? Who will hold TransUnion accountable?

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 2025-05-12 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: OR

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had disputed a XXXX XXXX  account ending in XXXX, and TransUnion deleted it from my credit report on XX/XX/year>. But then, on XX/XX/XXXX, they put it back like it was a new account. I never got any letter or certification explaining why. Thats not right. I thought once a dispute is resolved and account is removed, it shouldn't come back unless they notify you in writting, but they didnt. 

Because of this, my score dropped by XXXX points, and its not fair. Ive been working hard to fix my credit and now this just made things worse again. Also, the account has errors in the way it's being reported dates dont match, and some info is missing or wrong in the XXXX XXXX format. This whole thing just feels wrong and careless.

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 2025-05-12 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-05-12 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: AL

Complaint narrative:
Subject : Credit Bureau Reporting Inaccurate Information Failure to Verify Debt Under FCRA Section 609 ( a ) Complaint Details : I am filing this complaint against Experian for failing to provide proper verification of accounts I have disputed in writing, pursuant to Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). 

I submitted a formal dispute regarding XXXX unauthorized XXXX accounts listed on my credit report. I also requested, under FCRA 609 ( a ), that Experian provide original documentationsuch as signed contracts or applicationsthat proves I authorized these accounts. 

The accounts in question are : XXXX  XXXX Account XXXX XXXX  XXXX Account XXXX I provided the necessary identity verification documents with my dispute, including a copy of my government-issued ID, Social Security card XXXX and proof of address. 

Experian has failed to provide the required verification. Instead, they simply marked the accounts as verified, without supplying any supporting documentation. This response is inadequate and violates the FCRAs requirement to provide proof of the origin of the account when formally requested. 

These accounts are negatively affecting my credit and were not authorized by me. I am requesting that the CFPB investigate this matter and compel Experian to either : Produce the original, signed applications/contracts proving I opened these accounts, or Immediately remove the unverifiable accounts from my credit report.

Attached are : A copy of my original dispute letter My 609 ( a ) request Proof of identity The response from Experian ( if applicable ) Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2025-05-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
There are XXXX inquiries in my report that I am unaware and familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through XXXX XXXX, & TransUnion list as applicable ]. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within XXXX  days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry 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 explanation
Consumer complaint received 2025-05-12 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I filed a dispute with transactions on my credit card. They ( Apple/Goldman Sachs XXXX denied my dispute multiple times without providing proof that they claimed I had a contract with the company to provide me service. I have not signed anything. 

The bank ( Goldman Sachs ) then made XXXX arbitrary notes on my credit report damaging my score twice because of my disputes. The bank seems to be retaliating against me for making the disputes and filing claims here and with the XXXX XXXX XXXX. They knew that their negative notes would impact my scores and create a scenario where I could be denied credit because of the ongoing dispute. 

This behavior should be investigated and not swear under the rug like my other complaint was. They continue to act in a manner that they were already sanctioned by this entity for engaging in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my credit card was declined when I went to pay for my meal. I have had the credit card for 22 years with Chase. Because my payment was late by 4 days, they froze my credit card. My current balance ( overdue by 4 days ) is less than 25 % of my total credit limit. There was no warning, I have never had a card frozen for a late payment in 22 years, and I am unaware of any bank policy stating they would deactivate a card for a payment made 4 days late. This unacceptable.

Company response to consumer: Closed with monetary relief