vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My mortgage is currently held by Freedom Mortgage and I am refinancing with a local credit union. 

I was charged {$30.00} for a payoff statement three times. The first request was during my refinance application. The second time was after my XXXX payment was drafted but the payoff statement was incorrect and did not account for this payment. The third time was this morning after requesting another statement which was finally correct. 

I spoke to Freedom yesterday and was told that I would be charged for every statement and they would not reimburse me for their errors. It is my understanding that Freedom is allowed to charge for actual costs incurred but this is an automated system so that cost is {$0.00}. I want Freedom to reimburse me {$90.00} but they have been non-cooperative.

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 2025-10-02 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: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a XXXX  and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-02 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: OH

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-10-02 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:
Experian  & TransUnion refused to fix errors on my credit and refuses to provide me with proof of verification. I'm being told they do not have to provide me proof. These account the are allowing to report illegally on my credit is harming me and my credit worthiness and If it not addressed Immediately I am seeking legal action. 

When I call they tell me they don't care that I have file reports with you and laugh and say yall wont do anything either and they hang up on me. I've sent in over 50 disputes and all are being ignored. I need action taking effective now or I'm filing in court. These accounts need removed and corrected asap. 

1 ) XXXX  - EXPERIAN IS SHOWING IT AS A COLLECTIONS ITS NOT A COLLECTIONS IT WAS PAID IN FULL 2 ) XXXX  - TRANSUNION - SHOWING AS A NEGITIVE DEBT IT WAS PAID IN FULL AND IVE SENT PROOF THROUGH YALL BEFORE IT WAS PAID IN FULL. 

3 ) XXXX XXXX XXXX XXXX XXXX THIS DEBT IS NOT MINE AND NEITHER TRANSUNION NOR EXPERIAN CAN PROVE ITS MINE AND I WANT IT REMOVED ASAP. 

4 ) TRANSUNION XXXX WAS CLAIMED IN A BANKRUPTCY AND YALL TOLD ME YOU WAS GOING TO REMOVE IT FROM COLLECTIONS AND YALL NEVER HAVE I WANHT IT REMOVED 5 ) XXXX XXXX - DOES NOT EVEN HAVE A DEBT OF MINE AND REFUSES TO REMOVE THIS, THIS IS HOW I KNOW THAT TRANSUNION AND EXPERIAN ARE NOT INVESTAGATING THESE DEBTS, IF THEY DID THEY WOULD SEE I HAVE NO DEBT WITH THIS COMPANY 6 ) XXXX  - WAS REMOVED FROM EXPERIAN BUT TRANSUNION HAS NOT REMOVED IT BUT CAN NOT PROVIDE PROFF ITS MINE. ITS NOT MINE 7 ) XXXX XXXX XXXX REMOVED FROM EXPERIAN BUT TRANSUNION IS NOT REMOVING IT ITS NOT MINE AND I WANT IT REMOVED. 

8 ) XXXX - XXXX XXXX NOT MY DEBT AND I WANT EXPERIAN AND TRANSUNION TO PROVE WITH MY SIGNATURE THAT ITS MY DEBT. 

9 ) XXXX XXXX XXXX HAS CLAIMED THEY ARE REMOVING FROM ALL CREDIT REPORTING AGENCIES BUT HAVE NOT YET. 

THESE CREDIT REPORTING AGENCIES NEED TO BE HELD ACCOUNTABLE FOR THEIR NEGLIGENCE, AND THIS IS MY FINAL REQUEST.

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 2025-10-02 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-02 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: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems for unlawful collection and credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Jefferson Capital Systems is reporting an alleged XXXX account with a balance of {$3600.00} as past due and updated as of XX/XX/XXXX. This reporting is inaccurate, unverifiable, and misleading for the following reasons : Failure to Validate the Debt ( FDCPA 809 ) : Despite requests, Jefferson Capital has not provided proper debt validation. No bill of sale, assignment, or chain of title was produced to prove Jefferson Capital legally owns or has the right to collect this debt.

No Proof of Date of First Delinquency ( FCRA 605 ( c ) ) : Jefferson Capital has failed to provide the original date of default ( DOFD ). Instead, they are reporting balance updates and payment activity into XXXX, years after the original creditor ( XXXX ) ceased operations in XXXX. This constitutes unlawful re-aging of the account, extending the reporting period beyond what the law allows. 

Misrepresentation of the Original Creditor : The account is listed under XXXX as the original creditor. XXXX ceased operations in XXXX following its merger with XXXX. Reporting a XXXX account as newly delinquent in XXXX is factually impossible and highly misleading. 

Violations of FCRA and FDCPA : FCRA 611 ( 15 U.S.C. 1681i ) : Failure by XXXX to conduct a reasonable reinvestigation, as they verified this unverifiable debt. 

FCRA 623 ( a ) ( 1 ) ( A ) & ( 2 ) : Jefferson Capital knowingly reported false and misleading information and failed to correct it.

FCRA 605 ( c ) : Prohibited re-aging of debt.

FDCPA 809 : Failure to provide proper validation before continuing collection activity and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX i spoke to customer service to open a cd. I asked what the rares were and i should have gotten a XXXX rate. But they setup the account with XXXX several times i had contacted Citibank customer service with no answers. I finally went into the branch and the set up a complaint number. Still 7 months later it was not resolved. The complaint number is 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 2025-10-02 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: AZ

Complaint narrative:
Please carry out account removal in line with 15 U.S. Code 1681g and within the legal deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
Re : Dispute of Inaccurate/Inconsistent Reporting Dear Equifax , Pursuant to FCRA 611, I dispute the following tradelines : 1. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance reported as {$690.00} while XXXX show {$740.00} XXXX 
High Credit misused as {$0.00} with XXXX XXXX column is credit limit. 
Violations : XXXX XXXX Fields 12 & 13 ; Field 17 ( Account Status ).

Demand : Correct balance & fields ; provide ledger showing highest historical balance, not {$0.00}. 
2. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Status Open/Current with Balance {$56000.00}, but Account Rating : Paid. 
Violation : XXXX XXXX Field 17 contradiction.

Demand : Remove Paid or delete tradeline unless ledger proves otherwise.

3. Dept. of Education/XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed Open/Deferred with Balance {$17000.00}, but Account Rating : Paid. 
Violation : Deferred Paid ; Fields 17 & 28 inconsistent.

Demand : Correct deferment coding or delete.

4. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 30-day late ( see XXXX  ). 
Violation : Field K2 inconsistency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Home American Mortgage Corp
State: CO

Complaint narrative:
I have an address on my credit report which was introduced to me during application process for home mortgage loan. 

The incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
In XXXX of XXXX my mortgage increased due to an escrow shortage. The amount the payment went up seemed high. I requested to know why, as the increase didnt match my taxes and insurance. At that time, Vystar also informed me that my insurance had lapsed in XX/XX/XXXX, but I was never notified. After researching this issue, it was an error on Vystars part. When they changed the payment amount in XXXX, they also misapplied my funds and kept showing my mortgage as being late. It took over 3 months to fix that, but even after dealing with that issue, I never once was allowed to see an escrow history. They claimed they changed their online system and that the information wasnt available. This went on for months. Hours and hours of phone calls. Physically going to the branch. Emailing managers. I never got one shred of information that I requested. Out of frustration, I simply gave up. Fast forward to XX/XX/XXXX, my account now shows Im missing a mortgage payment. Vystar refunded 13 mortgage payments, then recharged 12, and claimed that I missed a payment and is showing me as being behind. I have made every payment on time, via check or electronic transfer. Every payment has come out of my XXXX account, and XXXX has verified this. Vystar still claims they didnt receive it. In addition, the only escrow history I can see online for the entirely of XXXX is a few interest payment of pennies each. No record of deposits. It shows me to be negative almost {$1800.00}. I still have never been able to see my escrow activity from prior to XX/XX/XXXX, as requested, I now have mortgage payment funds missing, and theres no record of any of my escrow payments from XX/XX/XXXX to present date. Its as if I never paid them, yet I did, and I have proof. I am vey concerned that I am the victim of fraudulent banking.

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 2025-10-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year> there was a charge on my account in the amount of {$380.00} and I disputed this charge and presented documentation that shouldve been more than enough to issue a refund. They denied it twice. I appealed it change the reason code over the phone and resubmit the dispute over the phone. They claim that provisional credit is warranted after 10 days during an investigation now I am being told that I might not get my money back until XX/XX/XXXX. This has been more than enough time and I have even submitted an email from the company informing that a full refund is to be processed to me. I have sat on hold for hours at a time. The employees are incompetent and their knowledge and customer service skills. I should not have to suffer financially, which I have, just because the charging merchant made an error and times not having enough employees to conduct an investigation. Theres really nothing more to investigate because I have submitted all documentation validating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-02 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The significant stress and sleep disruptions stemming from this matter are particularly troubling, especially considering my consistent adherence to all payment deadlines associated with this account. It's disheartening to face issues for actions I haven't committed. I respectfully request a prompt resolution to this situation, ensuring my account accurately reflects the correct information and alleviates the undue strain it has caused me.

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 2025-10-02 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:
hi my name is XXXX XXXX XXXX, i noticed multiple inaccuracies reporring on my credit file. PLEASE CORRECT THESE ERRORS IMMEDIATELY! This accounts do not belong to me.

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 2025-10-02 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:
I am not connected to these accounts ; they should be taken off within 15 days as per USC 1681g.

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 2025-10-02 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation