vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Company : Freedom Mortgage Issue Category ( select in CFPB form ) : Mortgage Problems when you are making payments Complaint Details : My mortgage loan was transferred to Freedom Mortgage effective XX/XX/year>. Since then, I have experienced multiple servicing violations and failures : Failure to Send Required Notices Prior servicer did not send a goodbye letter. 

Freedom Mortgage did not send a welcome letter within the required time. By XX/XX/XXXX, I still had not received any written confirmation of the transfer. I only learned of the transfer through my own efforts calling both companies. 

Customer Service Failures On XX/XX/XXXX, I spoke with XXXX ( ID XXXX ). He refused to disclose his location ( required to file complaints with a state Attorney General ) and refused at first to escalate me to a supervisor. 

I was then transferred to XXXX ( ID XXXX ), who falsely represented himself as a supervisor. He also refused to identify his location, which I later determined to be the XXXX. Neither agent addressed my concerns. 

Later calls with XXXX ( ID XXXX ) and XXXX ( ID XXXX ) resulted in refusals to provide ACH information required under my Deed of Trust and refusals to escalate to supervisors. 

Website Security Concerns XXXX Mortgages website prevented me from creating a secure, complex password. It only allows weak, simple passwords, which creates security vulnerabilities. 

Failure to Provide ACH Information Nowhere on the website is the routing and account number disclosed for borrower-initiated XXXX payments. This information is required under my Deed of Trust ( Uniform Covenants Section 1D ). 

When asked, multiple agents refused to provide or confirm this information. 

Published payoff wiring instructions ( XXXX XXXX XXXX, Account XXXX ) were not confirmed by agents for use in making regular payments. 

Failure to Credit Payment Because Freedom Mortgage refused to provide ACH information, I mailed a paper check for my XX/XX/year> payment, mailed on XX/XX/year>. 

As of XX/XX/year>, Freedom Mortgage has not credited or processed this payment.

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 2025-09-06 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: NY

Complaint narrative:
My information was leaked in TransUnions data breach and I believe this account was opened during the data breach. I do not own this account and would like it removed from my credit report immediately.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Zions Debt Holdings ' response to my previous CFPB complaint ( Case No. XXXX ) is unsatisfactory and provides further evidence of their unlawful practices. 

Duplicate Reporting and Misclassification : Zions Debt Holdings is reporting the same single debt under two separate accounts. One of these accounts is explicitly and incorrectly classified as " Medical '' debt on my credit report, even though the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not a medical provider. Their response confirms this misclassification, stating they do not collect on medical debt, yet they have failed to correct the inaccurate reporting. This violates the Fair Credit Reporting Act ( FCRA ) and is misleading. 

Failure to Report Dispute : My credit reports continue to show both accounts as " Account not disputed, '' even after my initial written dispute and the submission of my CFPB complaint. Zions Debt Holdings ' response to the CFPB confirms they were aware of my dispute. Their failure to accurately report the disputed status of the account is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Unlawful Leverage : Zions Debt Holdings offered " full deletion from the credit bureaus '' only in exchange for payment. This is an attempt to leverage their illegal reporting to force payment of a disputed debt. I am not interested in a pay-for-delete arrangement. 

The company 's response did not resolve the core issues of my complaint. I request that the CFPB investigate these continued violations of the FCRA and FDCPA and demand the immediate and permanent deletion of both inaccurate accounts from my credit reports.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Denefits LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  GA XXXX Subject : Demand to Remove Unauthorized Late Payment Report ( Account Number : XXXX ) from My Credit File Dear Denfitsll and XXXX I am writing to formally dispute and demand the immediate removal of an inaccurate and unauthorized late payment entry reported by Denfitsll, associated with account number XXXX, on my consumer credit report maintained by XXXX. I have never applied for, opened an account with, or authorized any transactions with Denfitsll, and the reporting of a late payment for this account is erroneous and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my XXXX  credit report, I discovered that Denfitsll has reported a late payment on account number XXXX, which I did not initiate or authorize. This reporting is inaccurate and damaging to my credit profile. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information, such as Denfitsll, are prohibited from reporting information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Additionally, under 15 U.S.C. 1681i, XXXX is required to conduct a reasonable investigation of disputed information and remove or correct any inaccurate or unverifiable entries.

I demand that Denfitsll immediately investigate and provide proof of any account or transaction in my name for account number XXXX, including any signed agreements or applications, which I assert do not exist. If no such proof can be provided, Denfitsll must permanently cease reporting this information and notifXXXX XXXX  to delete this entry from my credit report. I also demand that XXXX promptly investigate this dispute, remove the unauthorized late payment entry for account number XXXX, and provide me with a corrected credit report. 

Please consider this letter a formal dispute under the FCRA. I request that both Denfitsll and XXXX complete their investigations within 30 days, as required by law, and notify me in writing of the results. Enclosed, please find the following supporting documents to substantiate my claim : A copy of my XXXX XXXXredit report with the disputed Denfitsll entry ( account number XXXX ) highlighted A copy of my government-issued identification to verify my identity A sworn affidavit attesting that I have never applied for or authorized any account with Denfitsll, including account number XXXX If this matter is not resolved promptly, I reserve the right to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by this inaccurate reporting, including but not limited to emotional distress, damage to my credit score, and potential loss of credit opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The company name is rent debt. They are a collector of XXXX XXXX in XXXX, Texas. I told them that they are not the original creditor that I rented the apartment from, but I would like to talk to someone to get their name address and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was scammed into sending an unauthorized transaction as the called pretended to be someone they werent and coerced me into send a payment via XXXX to their address or my brother wouldnt be able to leave this location but it wasnt my brother.

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 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXXThe account is reported as charged off and closed on XX/XX/XXXX, but also shows a payment dated XX/XX/XXXX. 

XXXXThe monthly payment is listed as {$0.00} for a joint installment account. 

XXXX. The account continues to update monthly after being charged off ( last update XX/XX/XXXX ), which constitutes improper re-aging. 

XXXXMy role as a co-signer is misrepresented, making it appear as if I am the primary borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
b'To whom this may concern please remove \n\nPlease remove following accounts \nSPRING OAKS CAPITAL LL\nBalance\XXXX XXXX XXXX XXXX XXXX XXXX XXXXClosed\nBalance\nXXXX  Also please remove hard inquires \n\XXXX XXXX inquired on XXXX XXXX XXXX  inquired on XXXX XXXX  inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX  inquired on XXXX XXXX inquired on XXXX XXXX XXXX  inquired on XXXX XXXX XXXX XXXX  inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXXXXXX inquired on XXXX XXXX XXXX  inquired on XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
b'To whom this may concern please remove \n\nPlease remove following accounts XXXX XXXX XXXX XXXXMIDLAND CREDIT MANAGEM\nBalance\nXXXX XXXX XXXX XXXX XXXXClosed\nBalance\nXXXX  Also please remove hard inquires \XXXX XXXX inquired on XXXX XXXX XXXX  inquired on XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XXXX XXXX  inquired on XXXX XXXX XXXX inquired on XXXX XXXX  inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX XXXX XXXX  inquired on XXXX XXXX inquired on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

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 explanation
Consumer complaint received 2025-09-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
On XX/XX/year> I send a letter to TransUnion LLC for falls reporting on my account on to debt collectors falls claims. They DID NOT do a investigation on 1. Legality of the debt collector company to claim the alleged debt from original company. 2. They did not investigate the claim document if my wet signature was present to make me legally responsible for the alleged debt. 3. They DID NOT investigate the amount of debt I allegedly own to this debt collector. 4. They knowingly for their profit reported a FALLC report in their website. 5. They violated knowingly the Title 15. 
On XX/XX/year> I send certified letters to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for their falls claim. 
XXXX XXXX XXXX XXXX did not respond at all even as today which passes 60 day on violation of Title 15. 
XXXX XXXX XXXX XXXX did not provided any proof of LEGALITY document to their claim or any other document on the amount of debt I allegedly own to them, any interest or fees connected to their claim, and my wet signature to any document to hold me legally accounted for the alleged debt they claim. 
The TransUnion LLC is still reporting falls claim. 
I did file other claim about this company and other two reporting and the LEGAL TIME of 30 day to report is overpassed. LOOKS LIKE your agency is disregarding our laws and applying two set of laws or worst toasting in garbage our laws and turning our country in a XXXX XXXX where the laws do not mean any thing for certain individual. 
NO ONE IS HELD ACCOUNTED yet for violating those law even EXPERIAN since XX/XX/year> is in court for violation of Title 15. A letter will be send to XXXX XXXX which overside your agency. 
They deleted the falls report of claim by XXXX XXXX XXXX XXXX but for their profit have not deleted the other claim feeling untouchable by 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XX/XX/XXXX Capital One closed my credit card account. I paid the balance that was due. I attempted to setup an automatic payment in the event there would be any additional charges and the online banking would not allow this as it said the account was restricted. I was not available for the next 10 months and in XX/XX/XXXX, they finally sent a bill showing that the account was past due, upon my wife 's return, in XXXX after receiving the statement she immediately paid the balance due. It appears that I had {$36.00} of interest due, I was charged several late charges and additional interest. What was {$36.00} now turned into {$160.00}, and the reporting of 5 past due payments on my credit report. I have never missed a payment on any of my credit. I contacted Capital One to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've been impacted from Transunion data breach. Accounts has been illegally place on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've been impacted from Transunion data breach. Accounts has been illegally place on 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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Date : XX/XX/year> Absolute Investments LLC / Absolute Resolution Investments LLC Re : Cease and Desist Account/Reference Number : [ Insert if Known ] To Whom It May Concern, I am writing to formally notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you cease and desist from all further communication with me regarding the alleged debt referenced above. 

Please be advised of the following : I dispute the validity of the alleged debt. 

You are prohibited from contacting me by phone, mail, email, text, or any other means, except to notify me of one of the following : That you are ceasing collection efforts, or That you intend to take a specific legal action permitted by law.

Any further attempt to contact me outside of what is allowed by law will be documented as a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state.

Additionally, if you have filed or intend to file a case in a jurisdiction in which I do not reside, be advised that I will challenge the venue as improper under 15 U.S.C. 1692i.

This letter serves as your final warning. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Equifax is reporting inaccurate and misleading information about my XXXX XXXX account. 
The account was settled and closed in XX/XX/year>. 
On my Equifax consumer disclosure, the account shows XXXX late payments. 
However, when I initiate a dispute or view my report through third-party platforms that pull Equifax data , a 120-day delinquency for XX/XX/year> appears. 
This delinquency was not reported until XX/XX/year>, after the account was settled, which is factually impossible.

This creates two different versions of the same account : the report I see ( XXXX lates ) and the version Equifax publishes to others ( 120 days late ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I tried to settle the balance the refuse to settle. 
I tried to set up a payment plan but they refuse to provide a document confirming the amount and date for payments. 
They refuse to provide confirmation of payments made. 
They have added XXXX more to my original debt.

Company response to consumer: Closed with explanation