vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I am disputing multiple accounts on my Experian credit report due to inaccuracies and reporting inconsistencies. Under FCRA 1681i, 1681e ( b ), 1681s-2 and the Consumer Data Industry Associations Metro 2 reporting guidelines, furnishers must report accurate, complete, and verifiable information. 
The accounts in dispute are : XXXX XXXX XXXX, XXXX, Opened XX/XX/XXXX Late payment reporting inaccurate XXXX XXXX XXXX, XXXX, Opened XX/XX/XXXX Late payment 30 days inaccurate XXXX XXXX XXXX, XXXX, Opened XX/XX/XXXX Late payment 30 days inaccurate XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX Charge-off reporting inaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX Collection account reporting inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX Charge-off reporting inaccurate XXXX XXXX Late payment reporting XXXX XXXX XXXX, XXXX, Opened XX/XX/XXXX Charge-off and balance reporting inconsistent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX Charge-off reporting 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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My company took out a business credit card with XXXX XXXX XXXX. Supposedly the account became delinquent unbeknownst to my accounting department. Instead of having the lender reach out to my company, they arbitrarily closed the account. But it did not stop there, they subsequently closed my personal XXXX account that i have had for 30 years with them and they drove my credit score down by XXXX. XXXX followed suit by lowering all my credit card limits because of what XXXX did. I don't much care that they closed the business account, but they had no right to close my personal account that has nothing to do with the business and destroy what I had on an impeccable credit score that i took to great lengths to insure was always perfect as perfect can be. I need to know what can be done to sanction XXXX and for that matter XXXX for doing something like this without consulting and advising what the deficiencies they saw so i can address them before such action could have been performed. Neither bank has made any effort to rectify this problem and I am hoping that you could help to get to the bottom on how ( 2 ) huge institutions can do this without being held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: PA

Complaint narrative:
Cant open up a business bank account and there is no reason why I should not be able to get a business bank account Im only using my business info and they kept asking for my personal social security number and now Im being denied a business bank account for no reason at all.

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 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: SD

Complaint narrative:
I have an escrow account with PennyMac related to the mortgage I have with them. They informed me around XXXX that my payments would be increasing to make up a shortage in my escrow. Upon investigation, the shortage came from a withdrawl from my escrow account in XX/XX/XXXX of {$3500.00} for homeowners insurance. We had only purchased the house on XX/XX/XXXX and paid for a whole year of homeowners insurance at that time, so there should not have been any payments going out only 3 months later. I called on XX/XX/XXXX and was told it was due to a bill from XXXX XXXX ( XXXX XXXX XXXX ) and provided their phone numbers and the policy number ( XXXX ) the bill was for. On XX/XX/XXXX I called Agent XXXX XXXX and she told me that bill ( and that policy number ) was for a XXXX XXXX XXXX XXXX owned house in XXXX XXXX and she was not even licensed in XXXX XXXX  where our house is located. She verified that the {$3500.00} was the amount PennyMac paid in XX/XX/XXXX for the XXXX XXXX bill. I then called PennyMac back ( also on XX/XX/XXXX ) and was transferred to the insurance department. After telling them what I discovered ( that they had paid another person 's insurance bill with my escrow funds ), they put me on hold for a long time while they investigated my claim. When she returned to the call, she verified that the problem was as I suspected and they had paid the {$3500.00} for the XXXX XXXX  insurance with my escrow funds. She said she would escalate it to someone for " investigation '' and someone from PennyMac would call me no later than XX/XX/XXXX. I called PennyMac back on XX/XX/XXXX wondering why I had not received a return call with the results and confirmation that the funds had been returned to my escrow account. The representative said they were trying to contact XXXX XXXX, but no one was answering or returning their calls. I asked when the funds would be returned to my escrow account and they were unable to provide any details on when they would be able to correct the error. I then asked them if they could at least change my payment amount back to the correct amount because I was wanting to make my next payment, but PennyMac was only allowing me to pay the larger amount ( {$330.00} more, due to the escrow shortage ) rather than the correct amount. Since we were all in agreement that the larger amount was an error, I assumed it would be acceptable for them to at least let me pay the old, lower amount and they would return the funds when they finally got their stuff figured out. They refused to change the amount back, so I am forced to pay {$330.00} more than I should have to and my escrow account is deficient because of their ( admitted ) mistake that no one can seem to actually fix and return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Against XXXX and Early Warning Services for Failure to Investigate Fraudulent Transaction Dear CFPB, I am filing this complaint against XXXX XXXX XXXX XXXX and Early Warning Services ( EWS ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Several years ago, I reported a fraudulent transaction on my XXXX account. I was not disputing the account itself but a specific transaction. Despite my call at that time requesting an investigation, XXXX failed to conduct a proper review. Instead, they closed my fraud claim on the sole basis that my name and address matched their records as it should its my bank account the transaction wasnt. 

On XX/XX/year>, I contacted XXXX again at XXXX ( the number listed on their fraud decision letter ). I spoke with three representatives between XXXX XXXX  and XXXX XXXX., all of whom confirmed that I am not even in their system under my Social Security number. This demonstrates that XXXX can not verify this transaction and that its continued reporting of this matter to Early Warning Services is inaccurate and unsubstantiated. 

As a result, XXXX  is publishing false and unverifiable information about me to financial institutions. This has directly prevented me from opening new bank accounts, causing financial hardship and reputational harm. 

The following violations apply : 15 U.S.C. 1681i Failure to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 
15 U.S.C. 1681s-2 Furnisher ( XXXX ) reporting unverifiable and false information. 
15 U.S.C. 1681c-2 My right to block fraudulent/identity theft related information. 

I am requesting that the CFPB compel XXXX and Early Warning Services to : 1. Conduct a full investigation into this fraudulent transaction. 
2. Permanently delete or block this false record from my XXXX  file.

3. Provide written confirmation that this reporting has been corrected. 

I am attaching a copy of XXXX denial letter dated XX/XX/year>, which shows their failure to properly investigate. 

Thank you for your assistance in ensuring compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting 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 explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
No response after : Re : Notice of FDCPA Violation After Cease-Communication ; Dispute & Validation Request ; Preservation Demand Prior letter dated : XX/XX/year> XXXX shows delivered : XX/XX/year> To Whom It May Concern, I previously sent a written cease-telephone-contact and debt validation request on XX/XX/year>. XXXX confirms delivery on XX/XX/year>. Despite receipt, I received calls on August 811, 2025, from rotating/local-presence caller IDs. Specific examples include : XX/XX/year> at XXXX PM from XXXX XX/XX/year> at XXXX PM from XXXX XX/XX/year> at XXXX AM from XXXX Under 15 U.S.C. 1692c ( c ), after receipt of my written request, you must cease further communication ( except for the narrow statutory exceptions ). Under 15 U.S.C. 1692g ( b ), collection activity must cease until full validation is mailed.

Please : Permanently remove all telephone numbers associated with me and communicate by U.S. mail only. This includes any numbers obtained via skip-tracing and any rotating or local presence caller IDs you control or use. 
Mark the account disputed by consumer with any consumer reporting agency and correct any reporting. 
Mail full validation, including : ( a ) original creditor name and account number ; ( b ) complete chain of title ; ( c ) itemized accounting of the amount claimed ; ( d ) date of default and date of last payment/activity from original creditor records; and ( e ) proof of your authority to collect in North Carolina .

Confirm in writing within 15 days.

This letter is also a preservation notice. Preserve all dialer logs, agent notes, call recordings, and account history. Continued noncompliance may lead to complaints to the CFPB and NC Attorney General, and I will consider my remedies, including statutory damages under 15 U.S.C. 1692k. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Have already given details. Capital One refuses to tell either me or XXXX XXXX where the money is. Was not deposited into her account nor returned to my account. They refuse to answer the question : WHERE IS THE MONEY? I am not asking for any personal information ; just want to know who received the money and have it returned to either my account or a check given to XXXX XXXX. The letter they send me has a bogus agent ; I have attempted numerous times to reach the person. XXXX at least XXXX voice mails and still as of today XX/XX/year> have not received a call back. I will continue to file complaints until my money is either returned or given to XXXX XXXX. Yes, I definitely want CFPB to publish this description non consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The original debt was with XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, with the last payment made in XX/XX/XXXX. The account was charged off by the original creditor in XX/XX/XXXX. 

The debt was sold to XXXX XXXX XXXX XXXX, who is now reporting the account with a new open date of XX/XX/XXXX, and listing it as past due as of XX/XX/XXXX. 

This inaccurate reporting resets the timeline for when the debt first became delinquent, which I believe violates the Fair Credit Reporting Act ( FCRA ) by unlawfully re-aging the debt. 

I have requested validation and correction of this information, including the proper date of first delinquency, but the company has not provided adequate documentation or corrected the reporting. 

This misreporting is negatively impacting my credit report and score.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The original debt was with XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, with the last payment made in XX/XX/XXXX. The account was charged off by the original creditor in XX/XX/XXXX. 

The debt was sold to XXXX XXXX XXXX XXXX, who is now reporting the account with a new open date of XX/XX/XXXX, and listing it as past due as of XX/XX/XXXX. 

This inaccurate reporting resets the timeline for when the debt first became delinquent, which I believe violates the Fair Credit Reporting Act ( FCRA ) by unlawfully re-aging the debt. 

I have requested validation and correction of this information, including the proper date of first delinquency, but the company has not provided adequate documentation or corrected the reporting. 

This misreporting is negatively impacting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: SC

Complaint narrative:
I am formally disputing the accuracy and legitimacy of an account you are reporting under my credit file. This account is fraudulent, and your reporting practices are in clear violation of federal consumer protection laws.

This same account is currently reporting with TransUnion as closed, but with Equifax as open. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information have a legal obligation to report information accurately and consistently across all consumer reporting agencies. Allowing an account to appear with two different statuses depending on the bureau is false, misleading, and damaging to my credit profile. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows, or has reasonable cause to believe, is inaccurate. Reporting contradictory account statuses between credit bureaus is a direct violation of this provision. This account is fraudulent and your reporting is inconsistent and unlawful, I demand the immediate deletion of t
his account from all credit reporting agencies.

Be advised : If this account is not corrected, deleted, or updated, I will not hesitate to pursue all available remedies under the Fair Credit Reporting Act ( 15 U.S.C. 1681n and 1681o ), including statutory damages, actual damages, punitive damages, and attorneys fees.

I am prepared to escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am starting with this complaint with CFPB. This letter serves as your final notice. You are hereby instructed to immediately investigate, cease reporting this fraudulent account, and confirm its permanent deletion from all consumer reporting agencies. Failure to comply will leave me no choice but to initiate legal action without further warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC\XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXSubject: Request for Debt Validation\nTo Whom It May Concern,\nI am writing in response to your letter dated XXXX regarding an alleged debt you claim I owe. This is not a refusal to pay, but a notice that I am requesting validation of the debt as provided for by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g.\nPlease provide the following information:\n1.\tThe exact amount of the debt, with an itemized breakdown of principal, interest, and fees.\n2.\tThe name and address of the original creditor.\n3.\tProof that you are authorized to collect this debt in my state.\n4.\tA copy of the original signed agreement, judgment, or contract that created this obligation.\n5.\tThe date of the last payment or activity on this account.\nUntil this information is provided, you must cease all collection activities and stop reporting this account to any credit reporting agencies. If you have already reported it, please notify them that the debt is disputed.\nPlease communicate with me in writing only.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for a XXXX XXXX XXXXXX/XX/XXXX issued by Comenity Capital Bank. On XX/XX/year>, after multiple transaction declines, I contacted support and was told to submit additional documentation ( front and back of my drivers license and my most recent utility bill ). I submitted the requested documents promptly. 

On XX/XX/year>, I received a letter stating : Following a review of your XXXX XXXX XXXX Credit Card account and related transactions, Comenity Capital Bank has permanently closed your credit account due to continued security concerns involving this account. No specific concerns were disclosed and I was not given an opportunity to address or resolve them. The account was closed less than one month after approval, after a hard inquiry that negatively impacted my credit profile. 

This card is marketed and delivered through a XX/XX/XXXXComenity partnership. As part of using the product and its benefits, I have approximately {$50000.00} in assets staked/committed on XX/XX/XXXX With the card now closed by the issuer, I can not utilize the card while my assets remain tied up in the associated program. This presents as a bait-and-switch experience : I was approved and committed assets based on the products structure, then the issuer closed the card without specific explanation, leaving me unable to use the product while my assets remain constrained. 

I request that Comenity : ( 1 ) provide a specific explanation of the security concerns, ( 2 ) address the hard inquiry and any resulting credit harm, and ( 3 ) confirm how the issuer will coordinate with its program partner so I am not left with assets committed to a card I can no longer use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I noticed more issues with Transunion and my credit report. Since they breached personal information, it has been difficult getting the truth from their agents. I have reached out to my bank regarding the hardship caused by XXXX, specifically the loss of my job and my husband 's job. XXXX removed all the late payments clearly because of my history and my family 's history with the bank. I received notification that the late payments were removed and the account was brought current on XX/XX/XXXX. However, on XX/XX/XXXX, XXXX reversed the current status back to all of the negative statuses on my XXXX score. I have been informed that they have never received any attachments to my CFPB complaints. They continue to report that my disputes will continue to be denied because they have never received any documentation proving my identity by XXXX, or through the CFPB. My last call to the CFPB provided me with contact information for finding an attorney regarding the current breach and other matters that concern this company. I have reached out to my local Attorney General regarding this company and the questionable scoring model, and their behavior based on FCRA.

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 2025-09-14 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: NJ

Complaint narrative:
i attempted to remove in accurate information off all 3 credit reporting agencies and they refused to remove it, stating they assumed someone or company filed the dispute letter on my behave. i never received anything in writing i had to call to check on status of disputes for in accurate names, addresses, and employers.

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