vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Subject : Complaint Against Freedom Mortgage Online Account Access for VA Assumed Mortgage Customers To Whom It May Concern, I am writing to formally file a complaint against Freedom Mortgage Corporation regarding an ongoing issue that affects a specific group of their customersthose who have assumed a VA-backed mortgage.

As a customer who assumed a VA mortgage serviced by Freedom Mortgage, I have discovered that I am unable to access my mortgage account online. Freedom Mortgage has confirmed that customers in this category are excluded from using their online platform, mobile app, or other digital services to view account information, make payments, or receive notifications.

This lack of online access is not only inconvenient, but it also hinders transparency and timely communication, and places an undue burden on assumed mortgage customers. In a time when digital access is standard practice, this treatment seems both outdated and discriminatory. I have twice
contacted Freedom Mortgage customer service, first on XX/XX/year> and again on XX/XX/year>, and received no timeline, clear justification, or alternative solutiononly vague acknowledgments and apologies.

This is especially concerning for veterans and military families who assumed these loans in good faith and now face limited access to essential information. The issue reflects a clear disregard for customer service equity and could potentially violate fair servicing standards.

I respectfully request the CFPB to investigate this matter and hold Freedom Mortgage accountable for providing equal access to all its mortgage customers, regardless of how the loan was originated.

Thank you for your attention to this issue. I am happy to provide further documentation or communication records if needed.

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 2025-04-25 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am reporting two collection accounts from LVNV Funding LLC ( account numbers ending in XXXX and XXXX ). These accounts originated from XXXX XXXX XXXX. I have disputed them multiple times through XXXX  and XXXX, and they continue to remain on my credit report, marked as in collection and severely past due despite my consistent claims that these accounts were fraudulently opened. 

I have also filed prior complaints with the XXXX XXXX XXXX when these accounts were under the original creditor. At no point have I been provided proper validation or documentation that proves these debts are mine, which is required under the Fair Debt Collection Practices Act ( FDCPA ). I did not open these accounts and should not be held responsible for them.

These inaccurate items are damaging my credit, limiting my access to essential financial tools, and causing emotional distress. I am requesting that LVNV Funding and the credit bureaus delete these accounts from my credit file immediately, as they have failed to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
I moved out of these Apartments in XXXX. We cleaned the place very well, and the Management company decided to keep our entire deposit. I didn't want the hassle of fighting it, so I let it go. 

Later, I got an additional charge that they had to do additional cleaning in the apartment. I know this is false because the condition of the apartment was very good when we left. They did not provide any proof of this and it is a false claim. I just found out this has been sent to a collections agency, but the premise of this debt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 am filing this complaint because Equifax is inaccurately reporting multiple hard inquiries from XXXX XXXX and an unauthorized account or inquiry associated with XXXX XXXX on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications with XXXX XXXX or XXXX XXXX. These entries are fraudulent and are negatively impacting my credit score. Despite my efforts to dispute these errors directly with Equifax, they have not been resolved and remain on my report. I am requesting that the CFPB investigate this matter and take appropriate action to have Equifax remove these unauthorized and incorrect entries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am on the national do not call registry yet I am still receiving texts and calls

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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle financed by XXXX XXXX XXXX. Over the past year, I have been paying {$770.00} per month due to a high interest rate, along with additional daily fees applied to the loan. These charges have made it increasingly difficult to manage the payments, leaving me unable to trade in or pay off the vehicle under the current terms. 

At the time of purchase, I urgently needed transportation for work, which limited my options. Attempts to refinance the loan have been unsuccessful, as XXXX XXXX XXXX does not offer flexibility in such cases. On XX/XX/XXXX, I contacted their customer service department to request assistance due to ongoing financial difficulties. Unfortunately, I was informed that the company only provides support once every XXXX months, regardless of individual circumstances. 

This situation raises concerns about the fairness of such practices, particularly when consumers are facing financial hardship. The rates and fees imposed by the company appear excessive, and I am questioning whether these practices comply with legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: MA

Complaint narrative:
I received the first letter on XX/XX/year> from State Collection Service , Inc. that was a bill stating I owed them a total of {$1800.00}. In response I sent a certified mail debt validation letter and a copy of all documents included in the original letter sent from State Collection Service , Inc. On XX/XX/year> I received an another letter from State Collection Service Inc. that included my personal medical information such as medical procedures, medications, etc. without my consent or knowledge. In response I filed a HIPAA violation complaint and sent them all copies of what I received. Now I file this cfpb complaint because I feel that my rights were violated and that not enough information was provided to prove this debt. I also feel that the hospital violated my privacy right and I don't know what is going on. I included below attachments that are scans of the packet sent to me on XX/XX/year> that shows failure to answer all of the information requested on the debt validation letter. I also included copy of the original debt validation letter that I sent State Collection Service , Inc .. Lastly I also included my first response to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello! I found two unauthorized fraudulent inquiries on my credit profile.Please help me to remove those unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a XXXX XXXX card through Comenity Bank. I was recently made aware that the APR will be raised to 32.75 % as of XX/XX/year>, but more importantly that their rate will be 25.25 % to the XXXX XXXX ; my current rate is 30.99 %. 

This is critical CFPB, not because this interest rate is such a drastic change, but more that without YOU, this is going to continue rise. People who use credit cards need the money, so increasing their interest rate purely for profit is disgusting. CFPB, we, the people of the United States, need you to keep these predatory companies from keeping us down. Stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: VA

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 non-monetary relief
Consumer complaint received 2025-04-25 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: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I am reaching out because I have no memory of this account. I'm requesting for you to verify this debt and supply the following information that, according to the FCRA, is needed for you to legally attempt to collect this said debt. If you can not supply the following, Please remove this information from my consumer report on all 3 credit reporting agencies.

1. I would like see to my signature on the original documents from the company listed above that says I'm indeed liable for this debt.

2. I would like to see a copy of the original purchase agreement that shows you are legally allowed to collect this debt on behalf of the company listed above.

3. I would like to see a copy of all transactions/statements from open to close of this account.

4. I'd like to see proof you are a legal debt collector in the state of Illinois. A copy of your bond that indicates you are indeed licensed to operate in the state of illinois would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
there is a bankruptcy on my credit report that does not belong to me. It belongs to my ex-husband and I informed them and requested that it be taken off. It never was and then I got a letter saying that it was verified and when I asked how it verified they never responded. This bankruptcy needs to come off 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 2025-04-25 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: NC

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 non-monetary relief
Consumer complaint received 2025-04-25 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I opened a review into the payment history of several accounts that are listed on my credit report in 2022. The company claims that they verified the information and adjusted. They have not seen me any of the requested verification for my review. Experian also makes it very difficult to speak to a representative. I have been unable to update my phone number to access my account since 2022. The company claims to have verified the accuracy of the investigation but have not provided payment history from the companies involved or removed the incorrect person information. I am writing for assistance with the accurate reporting of my credit report. I recently mailed in a new dispute for investigation. I am asking for verification of late payments ( I contend that the payments were not late per Covid regulations and should not be reported ). I need the results and original documentation so that I can review as is my right as the consumer.

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