vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Emails sent - Case ID # XXXX, XXXX, XXXX I have sent email three times explaining that they were not adding my XXXX payment into the Analysis to determine that I had enough for my Cushion. My year goes from XXXX to XXXX. In XXXX they do the Analysis, but they do not add my XXXX payment ( as required by RESPA to determine my Escrow balance until after they do the Analysis. Therefore they determine I am short, When in fact I have more then enough. They have raised my payments per month because of this. 

RESPA states : 1024.17.b ( 3 ) Escrow is a 12-month period that a servicer establishes for the escrow account beginning with the borrowers initial payment date. The term includes each month period therafter, unless a servicer chooses to issue a short year statement under conditions stated in 1024.17 ( i ) ( 4 ) Also : Under Respa 1024.17.b ( 3 ) - Shortage means an acmount by which a current escrow account balance falls shor fo the target balance at the time of escrow analysis. 
Target Balance- means the estimated month end balance in an escrow account that is just sufficient to cover the remaining disbursements from the escrow account in the escrow computation year, taking into account the remaining scheduled periodic payment, and a cushion, if any.

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 2025-06-17 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Equifax & Experian XXXX XXXX agencys, 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. This fradulent, Inaccurate, and false Information consists or a auto loan account opened at XXXX XXXX on XX/XX/XXXX XXXX, & another Account XXXX XXXX XXXX XXXX opened XXXX accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  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 2025-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing inaccurate reporting of a XXXX XXXX credit card account that was charged off and sold to Portfolio Recovery Associates. The account appears under all three bureaus, but the reporting is inconsistent and misleading : The balance is {$0.00}, but its still listed as " Collection/Chargeoff '' across bureaus. 

XXXX  reports the last activity as XX/XX/XXXX, while XXXX  and XXXX  show XX/XX/XXXX, which is inaccurate as the account was sold. 

This account is being double-reported : XXXX XXXX shows it as a charge-off, while the same debt is also showing under the debt collector Portfolio Recovery. 

The account was marked as disputed, but XXXX  and XXXX  still show it derogatory even though the dispute is resolved. 

This is in violation of the Fair Credit Reporting Act ( FCRA ) which requires accurate and complete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Phone calls at XXXX. 
I requested they verify the debt through their email/contact on their website and they havent responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
This letter serves as a formal and lawful demand to contest all inaccurate, unverifiable, or non-compliant information currently reported in my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i ( reinvestigation of disputed information ) and 1681e ( b ) ( accuracy of reports ), as well as Metro 2 compliance guidelines enforced by the Consumer Data Industry Association ( CDIA ). 

Let me be clear : No derogatory account, inquiry, collection, or piece of personal data should appear on my report without full legal compliance, tangible documentation, and proper verification. If you continue reporting data that is outdated, unverifiable, inaccurate, or improperly verified, you are knowingly violating federal law. 

I am demanding the immediate deletion of the following disputed entries if you can not provide : Full documentation of account origin and legal ownership A copy of signed consent authorizing any inquiry listed Metro 2formatted proof of accuracy Evidence of reporting within the legally allowed time frame Proof of permissible purpose under FCRA 1681b Failure to produce the above within 30 days constitutes willful noncompliance. At that point, I will file formal complaints with the CFPB, FTC, State Attorney General, and initiate civil action under FCRA 1681n and 1681o. 

PERSONAL INFORMATION TO BE DELETED : Incorrect DOB : 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 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 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 Stop issuing generic, canned responses to specific legal disputes. That violates FCRA 1681i ( a ) which requires a full reinvestigation. I am the author of all submitted letters. Any delay or dismissal based on assumptions of third-party authorship is unfounded, unlawful, and a direct violation of federal regulations. 

You are now on notice. 

If this matter is not corrected within the mandated timeframe, I will pursue all available remedies, including monetary damages, injunctive relief, and attorney involvement. 

I authorize physical documentation of all deletions and updates to be mailed to the address on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Upon reviewing my credit report, I found an inquiry I never approved. I did not apply for any credit account that would warrant this access. Please remove this unauthorized entry promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AMERICA FIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This account has been reported to my credit file and I have not been provided requested documentation of the fraudulent accounts and have done all by law requirements to have these accounts blocked and removed permanently however the accounts are being illegally reinserted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX XXXX  was opened fraudulently from an address I have never lived at. The only address any accounts should be tied to is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which has been my sole address for XXXX years. I have an open report with the FTC ( FTC report # XXXX ). And am in contact with the credit bureaus. Please investigate and provide proper information or delete this account off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to demand the immediate and permanent blocking of specific adverse information reported on my credit file maintained by TransUnion. These accounts are directly related to my victimization through human trafficking and should never have been recorded on my credit file. Under Section 605C of the Fair Credit Reporting Act ( FCRA ), as amended by the National Defense Authorization Act for Fiscal Year 2022, your agency is legally obligated to take prompt action to remove such data once the proper documentation is submitted. accounts : XXXX XXXX {$7600.00} XX/XX/year>

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 2025-06-17 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: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I had about eight student loans opened and they were in forbearance while I was away on XXXX XXXX XXXX XXXXXXXX XXXX says my accounts are marked as delinquent, even though theyre not their marked my credit score has dropped XXXX points legitimately ruining my life I found two disputes for each of my accounts once back in XXXX. I never received my credit report in the mail like Im supposed to within 5 to 7 business days now in XXXX and I found another dispute and I still havent received those. It took me so long to get into contact with someone from the dispute department and they were not helpful. Frankly, she was rude. I had spoken to someone from the department of education beforXXXX XXXX  marked my accounts as delinquent, and she said that my accounts are fine. It will be fine because they arent forbearance unfortunately, thats not the case cause of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute inaccurate and unverifiable information being reported by Jefferson Capital Systems on my credit report. 

I have not received validation as required under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). The reporting agency has also failed to provide proof of legal assignment or the original signed agreement bearing my signature. 
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I request that this item be removed from my credit report if it can not be properly validated. This item is XXXX  my credit profile and has caused undue XXXX. 

I request that the CFPB investigate this matter and enforce the deletion of this account if proper documentation is not presented. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-06-17 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: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I will include a copy of the email I sent transunion that have had a lock on my credit due to verify information I asked for this to be taken off multiple times starting XXXX. I spoke on the phone multiple times over the last XXXX  years trying g to take care of the issue I have multiple times been told it was taken care of becuse of this hold XXXX  have been done on my personal credit and my home as well as business I have missed opportunities I have fallen into a severe XXXX over the last couple years due to this issue I have gotten XXXX  XXXX  because of the amount of opportunities I have lost and how it is a XXXX  affected my XXXX XXXX XXXX XXXX XXXX XXXX and he and every time I try to qualify or apply for a credit and other products to manage my finances I'm denied and most the time it's due to an error or some type of hold on my credit resulting in XXXX  inquiries as well as late payments all because I was not able to take advantage of financial products I was well qualified for with the XXXX XXXX XXXX. XXXX coming up on XXXX XXXX XXXX I can't get funding to develop the XXXX  and business ive been building. I have lost vehicles and personal belongings due to the issues this hold that for some reason can't be lifted has XXXX affected me from transunion. Please see attached screenshots.

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