vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Date : XX/XX/year> Servicer Name : XXXX XXXX Attn : Customer Service / Research Department RE : Qualified Written Request Under RESPA Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, VA XXXX Dear Mr. Cooper : I am writing to you regarding the above-referenced mortgage loan and property address. This is a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ) and a formal Notice of Irregular and Unauthorized Activity concerning the use of this loan after a lien foreclosure.

1. 

Background : I was the original borrower under this loan and remained personally liable for it. 

On XX/XX/year>, a junior lien-holder XXXX XXXX XXXX XXXXXXXX XXXX foreclosed on the property, but the first mortgage loan remains open and in my name.

The new owner of the property has not assumed the loan, yet appears to be making payments in my name without my authorization.

2. 

Request for Information ( QWR ) : Please provide the following : Full payment history from [ date of foreclosure or prior month ] to present.

Name, address, and contact for any third party making payments on this loan.

Any documents or communications from third parties requesting access, assumption, or information related to this loan or property.

The current balance, interest rate, escrow status, and any delinquency or default history.

Any evidence of a property transfer or title change related to this account.

Copy of the Note and Deed of Trust, and any recorded Assignment ( s ).

Whether the loan has been flagged for assumption, payoff, or foreclosure.

3.

Notice of Unauthorized Occupancy / Title Transfer : To the best of my knowledge, the current party occupying or controlling the property : Has not assumed this mortgage, May be renting out or profiting from the property, And is using my active loan account to do so without my consent.

I have requested several times that you : Flag this account for irregular title transfer, Consider invoking the due-on-sale clause under the original Deed of Trust, And place a temporary block on third-party account access pending verification.

4.

No Assumption Consent Given : I have not authorized any assumption, lease, or sale of this loan or property. Any further action should be verified with me directly at the contact information above.

Please treat this as a formal dispute and identity protection notice and respond within the required 30-day RESPA window.

Thank you for your attention to this serious matter. 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MA

Complaint narrative:
I am filing this complaint because the credit reporting agencies continue to allow the inaccurate and misleading reporting of a charged-off account that has been sold and transferred, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, an account from XXXX XXXX XXXX was sold to XXXX XXXX XXXX. Despite this sale, the original creditor ( XXXX ) continues to report the full balance as a charge-off, and XXXX is also reporting the same balance as a new collection. This results in duplicate reporting of the same debt, misrepresenting the amount I allegedly owe, and unfairly damaging my credit profile.

This violates : FCRA 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) which requires furnishers to correct or delete information found to be inaccurate or unverifiable after a dispute.

FTC Staff Opinion Letters and CFPB guidance which clearly state that once an account is sold or transferred, the original creditor must update the account to reflect a {$0.00} balance and a status of sold or transferred, to avoid misleading reporting.

Additionally, the continued full balance reporting from both parties violates the principle established in Hanson v. Experian Information Solutions , Inc. ( 2020 ), where duplicate reporting of a sold debt was deemed potentially misleading under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Account Number XXXX Account Name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to prompt
ly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MO

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally request the removal of all dispute-related comments and dispute codes from my credit file for all accounts that have been marked with dispute language within the past 24 months.

This includes, but is not limited to, any notations such as : " Consumer disputes this account information '' " Account in dispute under Fair Credit Billing Act '' " Dispute resolved; consumer disagrees '' " Meets FCRA requirements '' Any other dispute code or notation currently associated with any tradeline on my credit report I am no longer disputing any of the previously challenged accounts and request that you update my file to reflect that there are no active or prior disputes. This request is being made to ensure the accuracy and completeness of my consumer file and to avoid any future confusion, misrepresentation, or the risk of disputes being marked as frivolous or duplicative. 

Please confirm in writing once this update has been completed. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and up-to-date credit reporting. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint to report XXXX XXXX failure to correct inaccurate and conflicting information regarding a closed credit account reported by XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I submitted written disputes to Experian regarding this account. In both instances, I advised XXXX that the credit file contains contradictory information. Specifically : XXXX  reports the last payment on the Capital One account XX/XX/XXXX. 

However, XXXX also reports the account remained active to date, with activity showing through XX/XX/XXXX and remains open with ON-TIME payments . 

These data points directly contradict XXXX another. A last payment in XX/XX/XXXX can not be accurate if the account remained active, showed transactions, and was not closed at all. There are ON-TIME payments made on this account even after the FALSE last payment made. This discrepancy renders the information incomplete and inaccurate, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my disputes, XXXX has failed to conduct a reasonable reinvestigation under XXXX XXXX. XXXX, and continues to report this erroneous data. Furthermore, XXXX is in violation of XXXX XXXX. XXXX ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy in its reporting. 

To date, XXXX has not provided any supporting documentation from Capital One ( account # XXXX ) to verify or reconcile this inconsistency, nor have they corrected or removed the inaccurate entry from my report. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX noncompliance with the FCRA and compel them to : update the false late payment made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I am filing a formal complaint against NCB Management Services , Inc. for ongoing and unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In XXXX, I began making monthly payments toward a debt that NCB claimed I owed. At the time, I believed the debt to be valid. However, after reviewing my records, I discovered that I had submitted a written dispute in XXXX. NCB responded stating they were unable to substantiate the allegations in my dispute which I understand to be a failure to properly validate the debt, as required under the FDCPA. 

Despite failing to validate the debt, NCB continued to collect on the account and withdrew a total of {$1600.00} from my bank account between XX/XX/XXXX and XX/XX/XXXX. These withdrawals resulted in {$140.00} in NSF fees and additional hardship, especially during a period of reduced household income. I incurred further out-of-pocket expenses for credit monitoring and tools to address this situation. 

In XX/XX/XXXX, after formally reviewing my records, I submitted a written notice revoking authorization for payments, requesting a full refund, and demanding cessation of further collection activity. I have not received a response. Since then, I have experienced repeated access issues with NCBs online portal and following my dispute, key account information including balance and payment method details was removed from my account dashboard without explanation. This sudden change raises serious concerns about transparency and data integrity. 

NCBs actions including continuing collection efforts without proper validation, altering portal information post-dispute, and failing to respond to written requests represent clear violations of the FDCPA and FCRA. I respectfully request that the CFPB review this matter and compel NCB Management Services , Inc. to resolve these issues in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I was injured in a tractor-trailer accident that required extended physical therapy and XXXX through XXXX and into XXXX. I informed PennyMac Loan Services of this medical hardship through multiple phone calls and documented communication. 

Despite being notified, PennyMac reported late payments on my mortgage account during this recovery period. This reporting contains multiple legal and technical violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : PennyMac furnished inaccurate and incomplete information to the credit bureaus, reporting delinquencies that dont reflect the true conditions of the account. 
FCRA XXXX ( a ) ( XXXX ) : I submitted several requests for correction and informed PennyMac about AutoPay failures caused by their system. No updates were made to correct the record. 
FCRA XXXX ( b ) : After disputes were submitted, no reinvestigation was conducted, and the inaccurate tradeline was left unchanged. 
XXXX XXXX Reporting Violation : My account was marked 60 days late for both XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX guidelines, if unresolved, that should have progressed to 90 daysnot repeated as XXXX. This is improper and likely automated without manual audit. 
FCRA XXXX ( b ) : PennyMac failed to maintain reasonable procedures to ensure accuracy. AutoPay failed multiple times without notice, causing late reports that stemmed from technical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In early XXXX, I created accounts for each of the XXXX credit reporting agencies in order to get my first credit card. XXXX -- check. XXXX-Check ( excellent service and great customer support. ) Experian -- no. Half a year later, still NO. For some reason, Experian thinks I already have an account but without me having a password. When I attempt to reset my password, it asks for my phone number then says MY PHONE NUMBER IS NOT ON RECORD. I am not sure if somebody has hacked my account, but EXPERIAN WILL NOT RESPOND TO ME. Instead, they are playing musical chairs with a XXXX  phone system that WILL NOT REDIRECT ME TO A HUMAN BEING. Instead, I wait for hours ( no, literally, HOURS ) until they say 'sorry ' and put me to another XXXX phone messaging system. The company has only responded with blindly sending me credit reports, saying that there are no incorrect records on my account and throwing up their hands. I JUST WANT TO GET INTO MY ACCOUNT.

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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and found a late payment entry that I believe was reported in error. I have always maintained a responsible approach to my financial obligations, and my records indicate that the payment was submitted on time.

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 2025-07-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX XXXXXXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Two collections have been added to my account XX/XX/year>2025 for HWarfeild for {$3000.00} and {$2600.00} I dont know what these charges are and have sent 2 letters to the company one on XX/XX/XXXX and another on XX/XX/XXXX asking for information and received no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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