vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am disputing this inquiries because I did not authorize or request that my credit be pulled. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a company must have a permissible purpose to access a consumer 's credit report. I formally requested validation of this inquiry, including a copy of the contract bearing my wet signature that reflects a legitimate business reason. To date, no such documentation has been provided. I was told they would remain for 2 years but I have not received any proof within the 30 days. 

Therefore, I respectfully request that this unauthorized inquiry be removed from my credit report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am a victim of a data breach that exposed my personal information without my consent. This breach has put my identity and financial security at risk. I did not authorize any release of my data and was not properly informed of the breach. 

I am filing this report with the FTC to document the incident and seek assistance. I have taken steps to protect myself, including placing fraud alerts and monitoring my accounts.

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 2025-04-22 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: TX

Complaint narrative:
THERE ARE MULTIPLE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I'VE FILED AN FTC REPORT, AND THE ACCOUNTS SHOULD BE REMOVED 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 non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
THERE ARE MULTIPLE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I'VE FILED AN FTC REPORT, AND THE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against RoundPoint Mortgage Servicing Corporation for unjustified late fees totaling {$260.00}. 

My mortgage was transferred from XXXX XX/XX/XXXXto XXXX in XX/XX/year>. Under XXXX, I consistently made my mortgage payments toward the end of each month without issue. After the transfer, I continued that same payment pattern with RoundPoint, making payments on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Despite this consistent payment history, I was notified by RoundPoint that {$260.00} in late fees had accrued on my account. When I contacted their customer service, I was told they would investigate and follow up, but I never received a response. Instead, I received an automated email stating the fees are due and could increase, contradicting what the representative told methat late fees can not accrue over time. 

I believe RoundPoint failed to provide adequate notice about their due date expectations, and this fee appears to be predatory and unethical. I am seeking an investigation and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX, which has caused my credit score to drop significantly. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 
3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX, which has caused my credit score to drop significantly. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX XXXX have incorrectly or fraudulently reported late payments that I did not actually incur. 
3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX, which has caused my credit score to drop significantly. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 
XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
They have called me 3 times today on bot numbers and once yesterday after XXXX XX/XX/XXXX. I have already filed a complaint yesterday for this company. They need to cease and desist any and all communication with my number and any other number associated with my phone number. And to also cease and desist any email or physical addreas that is not the one associated with whatever paperwork they supposedly have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
RE : FORMAL DISPUTE FALSE LATE PAYMENTS REPORTING Account # : XXXX * * * * * * * * * * * * * | Opened : XX/XX/year> * * To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate, misleading, and damaging information reported on my consumer credit report regarding the above-referenced account. 

FALSE LATE PAYMENT CLAIM You have falsely reported that I was 30 days late 3 times on this account. However, the reported data simultaneously shows : Account Status : Open / In Good Standing Balance : {$0.00} Past Due : {$0.00} Monthly Payment : {$0.00} Payment Status : As Agreed Last Payment Date : XXXX Comments : This is an account in good standing These statements directly contradict the late payment marks. 
This is not only erroneous but constitutes negligence or willful misreporting, and it is harming my credit profile unjustly. 

VIOLATIONS Your failure to maintain accurate credit data is a violation of multiple consumer protection laws, including : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) : Reporting inaccurate or incomplete information FCRA 1681s-2 ( b ) : Failing to investigate and correct disputed information 15 U.S.C. 1681n & 1681o : Subject to actual and statutory damages for willful and negligent noncompliance If this inaccurate reporting is not corrected, you may be liable for : {$1000.00} per violation in statutory damages Actual damages including negative impacts on credit decisions Court costs and attorneys fees DEMAND FOR IMMEDIATE ACTION I hereby demand the following : Removal of all late payment entries associated with this account.

A full investigation and correction under FCRA 1681i within 30 days.

Written confirmation that these inaccurate marks have been permanently deleted from my credit profile.

A copy of any documentation or internal record you used to support the reporting of these alleged late payments. 

FINAL NOTICE You have XXXX calendar days from the receipt of this letter to comply. Failure to take immediate corrective action will result in : Formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General Civil litigation for defamation of credit, emotional distress, and FCRA violations I have always paid this account as agreed, and I demand this false and harmful information be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear CFPB, I am writing to report a discrepancy in the reporting of my XXXX XXXX ( student loan ) account by the three major credit bureaus : Equifax, XXXX XXXX XXXX. 

The number of late payments being reported on this account differs across each bureau, which is a violation of the Fair Credit Reporting Act ( FCRA ). The information being furnished should be accurate, complete, and consistent, and that is not the case here. 

This inconsistency is negatively affecting my credit score and financial reputation. I am formally requesting that the CFPB investigate this matter and ensure that any inaccurate or unverifiable late payments be removed from my credit reports. 

Please let me know if you need any further documentation from my side to proceed.

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 2025-04-22 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XX/XX/XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite numerous attempts since, I have been unable to dispute the transaction online or over the phone and have been given the most cumbersome manner of disputing a transaction even when the industry standard is to do so over the phone. 
I will be filing a small claims suit promptly. 
Ive sent emails, sent faxes, and even left my call-back number and name in the queue for a rep to call me back to no avail. I have filed a complaint with the Consumer Financial Protection Bureau. I understand that XXXX has disrupted businesses, including my own, but common decency should allow you to call me back. This is my final attempt. I have already spent a whole day on the phone trying to reach your staff, costing me TIME AND EXPENSES which I expect to recover! If I fail to hear from you within a reasonable amount of time, I will consider our offer rejected.

Company response to consumer: Closed with explanation