vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Re : Unauthorized Price Increase for Appraisal Services Company : Rocket Mortgage Date of Incident : XX/XX/year> Amount in Dispute : {$40.00} Description of Issue : On XX/XX/year>, I contracted with Rocket Mortgage for a home re-appraisal at an agreed-upon price of {$150.00}. I paid this amount in full at that time. 
After waiting three weeks with no communication from Rocket Mortgage, they contacted me on XXXX, stating that the appraisal would actually cost {$190.00} - a 27 % price increase from what I was originally charged and agreed to pay. 

Specific Problems : Breach of Agreement : I entered into a binding agreement at {$150.00}, paid in full, and relied on that price. 
Bait-and-Switch Pricing : Chargin

g one price upfront, then demanding more money weeks later after providing no services constitutes deceptive business practices. No Prior Disclosure : At no point was I informed that the {$150.00} price was an estimate or subject to change. I received no explanation for the increase until three weeks after payment.

Poor Communication : Three weeks of silence followed by a surprise bill demonstrates complete disregard for customer service standards. 

What I Want : I expect Rocket Mortgage to honor the original {$150.00} agreement I paid for and complete the re-appraisal at that price with no additional charges. I should not be penalized because they underestimated their costs. 
Supporting Documentation : This practice of changing prices after payment is unacceptable and potentially violates consumer protection laws. I request the CFPB investigate this matter and compel Rocket Mortgage to honor their original pricing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-30 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: GA

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 XXXX 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 2025-09-30 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MO

Complaint narrative:
VANCE amp HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE amp HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is RR11 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

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 explanation
Consumer complaint received 2025-09-30 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: OK

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$2100.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Date fraud began : Date that I discovered it : Total fraudulent amount : {$1000.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Date fraud began : Date that I discovered it : Total fraudulent amount : {$470.00} Date fraud began : Date that I discovered it : Total fraudulent amoun

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$2100.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Date fraud began : Date that I discovered it : Total fraudulent amount : {$1000.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Date fraud began : Date that I discovered it : Total fraudulent amount : {$470.00} Date fraud began : Date that I discovered it : Total fraudulent amoun

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
b'I am submitting this complaint regarding XXXX  and TekCollect in connection with an invalid debt and a breach of contract.\n\nI entered into a treatment agreement with XXXX  with the expectation of receiving a full orthodontic treatment plan through to completion. However, due to XXXX  abrupt bankruptcy and closure, my treatment was left unfinished. This is a clear breach of contract, as I paid for services that were never delivered in full.\n\nFollowing XXXX  closure, I was contacted by TekCollect, a debt collection agency, regarding a balance they allege I owe. This is improper and unacceptable. The debt is invalid, as it relates to services that were never rendered. Any attempt to collect this balance constitutes a violation of my rights under the Fair Debt Collection Practices Act (FDCPA), which prohibits the collection of debts that are not owed.\n\nFurthermore, TekCollect has refused to provide proper validation of the alleged debt, despite my request, and has failed to provide legal proof that they have the right to collect from me. This lack of documentation further confirms that the debt is invalid and that their collection efforts are improper.\n\nI request the following actions:\n\t1.\tImmediate cessation of all collection efforts by TekCollect regarding this disputed and invalid debt.\n\t2.\tConfirmation that my account has been resolved with a zero balance.\n\t3.\tA full refund or credit for the portion of treatment not provided.\n\t4.\tWritten confirmation from both TekCollect and XXXX  (or its representatives) that no negative information will be reported to the credit bureaus in relation to this invalid debt.\n\nI trusted XXXX  with both my health and finances, and this outcome has caused me undue hardship. It is unreasonable that I should be charged or pursued for services I did not receive due to their bankruptcy.\n\nPlease investigate this matter promptly. I request written confirmation of the resolution of this complaint.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is 9820 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This complaint is submitted under FCR

A 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the di
rect result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 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: TX

Complaint narrative:
This complaint is submitted under FCR

A 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the di
rect result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 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: MI

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Dispute of collection account XXXX XXXX XXXX The following collection is inaccurate or unverifiable. Please provide full validation ( contract, chain of title, itemized accounting ). If unverifiable, it must be deleted under the FCRA. 
Collector Original Creditor Account # Balance Why Inaccurate Requested Action XXXX XXXX XXXX Not listed [ XXXX ] {$1600.00} XXXX 2019, not validated Delete if unverifiable Item Disputed : Collector/Furnisher : XXXX XXXX XXXX Account XXXX XXXX XXXX last XXXX / reference as shown on TransUnion ] Reported Balance XXXX $ [ amount ] Date Reported : [ mm/dd/yyyy ] Date of First Delinquency ( DOFD ) : [ mm/yyyy ] Reason ( s ) for Dispute : I do not recognize this debt OR the amount/dates are inaccurate. Proof of ownership and chain of title has not been provided ( bill of sale/assignment ). Itemized accounting ( principal, interest, fees/credits ) has not been provided to substantiate the balance. If the XXXX places this beyond the XXXX reporting period, it must be removed. 
Requested Action : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), investigate this entry. If XXXX XXXX XXXX can not furnish complete verificationincluding the original creditor agreement with my signature, full payment history, and chain of titledelete the collection from my TransUnion  file. If verified with different information ( balance, dates, status ), correct the report to match verified data and provide me a copy of that verification. Provide written results and a free updated TransUnion report reflecting changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-30 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
I am a victim of identity theft. For XXXX  years fraudulent accounts hard inquiries and addresses have appeared on my Credit file without my authorization. Some items that were previously removed have been reinserted causing continued harm. I am invoking my rights under 15 USC 1681C-2NFCRA605B to block and permanently remove all fraud on accounts, inquiries and addresses. I request the CFPB ensure the credit reporting agencies comply with the law and prevent reinsertion of this information so my credit could be corrected. I also am adamant about no consumer alerts, consumer statements, fraud, alert, alerts, extended fraud, alerts, or any internal flags that a lender might see from one of the credit reporting agencies that would make me look bad or defend me or caused me not to get alone because of what is placed in there that I can not see.

Company response to consumer: Closed with non-monetary relief