vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: DC

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on both my Equifax and TransUnion credit reports. These inquiries were made without my permission, and neither credit bureau has provided any lawful documentation showing that these companies had a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are : XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I never applied for credit with these companies on these dates, and I did not authorize them to access any of my credit reports. Under FCRA 604 ( a ) ( 2 ), a company may only obtain my consumer report if they have both a permissible purpose and my direct authorization. Neither exists. 

I disputed these inquiries with both Equifax and TransUnion. 
I also requested that each bureau provide documentation under FCRA 609 ( a ) ( 1 ) ( A ), including : A copy of any signed credit application The certification of permissible purpose The identity and contact information of the requester The date and method of authorization Any record of an adverse action notice ( as required by FCRA 615 ) Neither bureau has provided any of this information.

Under FCRA 611 ( a ) ( 1 ) ( A ), if an inquiry can not be verified with proper documentation, it must be deleted. 
Both credit bureaus are continuing to report these inquiries without verification, which violates : FCRA 604 impermissible access FCRA 609 ( a ) ( 1 ) ( A ) failure to disclose the source and documentation FCRA 611 ( a ) failure to properly reinvestigate FCRA 615 failure to provide notice of any use of my report I am requesting the CFPB to require both Equifax and TransUnion to : Delete all XXXX unauthorized inquiries Provide documentation showing permissible purpose ( if they claim XXXX exists ) Issue corrected consumer reports Confirm that unauthorized access to my credit file has stopped These inquiries were not authorized, not verified, and must be removed immediately under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
THIS INDEED HAS TO DO WITH MIDLAND CREDIT SINCE THEY PUT IT ON MY CREDIT REPORT AND IS CONTACTING XXXX STATING IT IS ACCURATE AND XXXX  IS LEAVING IT. 

XXXX  has numerous names, and addresss listed on my credit report that are not mine that they refuse to remove orprovide me any verifable proof on how they recieved this information and know it's mine because it is not. Not only do they have numerous different wromg/inaccuarate name and addresses they also have the wrong social becsuse the last four digits that have been showing for over a year now that I hve told them does not belong to me still remains. This is a violation of my rights, XXXX  has refused to fix the issue weather I submit a disute online or through the mail and each time I have submitted one through the mail, I am not given any documenation just that it's verfied as accurate whixh is NOT LEGAL. I have the right to disputeinnacurate information on my credit report and XXXX  is violating that right and has been for over a year now. 15 USC 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: CT

Complaint narrative:
A pending payment in amount of {$1.00}, XXXX XXXX was canceled on XX/XX/XXXX, confirmation email received of cancellation. Payment is for month of XXXX, now XXXX  days past due. I attempted to make replacement payment on website, error message showed online payment unavailable .. i called automated phone system, error message states payment supposedly cancelled is pending for XX/XX/XXXX, which does not make sense as email confirmation shows payment cancelled. In event my account goes XXXX days past due, I request Planet Home Lending remove XXXX  day credit marker due to error in attempting to make replacement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
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 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 2025-11-29 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: LA

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Numerous calls made before missing loan payment. Was told loan must be over XXXX days late for assistance. No one from M & T called about options or any assist thru my FHA loan. I called and stated I would cure the pass due amounts by XX/XX/XXXX. Made the first pass due amount XX/XX/XXXX. As of XX/XX/XXXX they say its a default, but a payment was made on the one pass due amount after fifty five days. XX/XX/XXXX is not thirty days past due yet

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 2025-11-29 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
21st Mortgage is making it extremely difficult and costly to make my loan payments. They refuse to accept standard, reasonable payment methods such as debit cards or an online payment system. Instead, they force me to use XXXX XXXX every month, which adds unnecessary fees, inconvenience, and risk. This is not a typical or consumer-friendly payment method for a mortgage or loan, and it places an unfair burden on me as the borrower. 

On multiple occasions, after I have sent my payment through XXXX XXXX, 21st Mortgage has contacted me and told me to reverse the payment and resend it using a different method. This causes confusion, delays, and uncertainty about whether my payments are being properly credited. It also raises serious concerns about their internal payment processing, accounting practices, and whether they are intentionally obstructing or manipulating payments.

These actions create barriers to paying on time and could put borrowers at risk of being marked late through no fault of their own. Forcing XXXX XXXX payments, giving contradictory instructions, and refusing standard payment options may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ). Their behavior also creates unnecessary financial harm since XXXX XXXX payments involve additional fees. 

I am requesting the CFPB investigate 21st Mortgages payment policies and practices, ensure they are accepting reasonable and accessible payment methods, and review whether their conduct violates consumer protection laws or servicing standards. I want assurance that my payments are credited properly and that I will not be penalized for the confusing and restrictive payment process they are imposing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I received a letter delaying an application that I did not apply for. The letter describes how someone applied for a XXXX XXXX  credit card, without my knowledge. They are using my maiden name ( XXXX ) and personal information of my dob, my address, and my social security all without my permission or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
Over the past several weeks, I have been disputing an incorrect XXXX XXXX final bill that was double-charged, acknowledged by XXXX own staff as inaccurate, and placed in priority review. Despite this, XXXX furnished a derogatory collection/chargeoff tradeline to TransUnion while the account was still in active dispute status and while I continued receiving active billing statements directly from XXXX. 

After my prior CFPB submissions, I obtained new recorded evidence from both of Verizons collection vendors, XXXX and XXXX. Both companies independently confirmed : The account is in active dispute Neither XXXX nor XXXX reports credit data to any bureau XXXX was still treating me as an active account holder by continuing to send billing statements No collection agency had finished the validation process or made a determination Despite all of this, XXXX furnished a collection/chargeoff to TransUnion on XX/XX/year>. This caused an immediate XXXX drop to my credit. This furnishing is not only inaccurate, but structurally impossible based on the vendors statements. XXXX furnished a derogatory status during an active dispute, without providing validation, without resolving the billing error they acknowledged, and while continuing to bill me as an active customer. 

This appears to violate FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ), 623 ( a ) ( 3 ) ( failure to note an active dispute ), XXXX XXXX reporting standards for telecommunications accounts, and general CFPB Regulation V duties to investigate prior to furnishing. Neither XXXX nor XXXX has completed their investigation or determined the validity of any amount, yet XXXX reported a collection/chargeoff anyway. 

I am submitting this supplemental complaint because these new facts only became available after my prior filings. I am asking the CFPB to intervene due to the conflicting statements from XXXX and its vendors, the premature and incorrect reporting, and the substantial harm caused by the improper derogatory tradeline.

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 2025-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: LA

Complaint narrative:
Regarding my XXXX equity, I have noticed some unexpected activity and would appreciate clarity and support. The value of my position changed significantly in a short period, and I did not receive clear communication explaining why. Im concerned about how this matter was handled, including the lack of timely updates and transparency. Id appreciate a detailed review of my account activity, along with an explanation of the changes and any next steps I should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC
State: DC

Complaint narrative:
Dear CFPB, I hope this message finds you well. I am writing to formally request a review of my account due to a recent and unexpected financial hardship. 

My current employer has implemented budget cuts, which have significantly impacted my income. As a result, I am struggling to keep up with my financial obligations. I recently noticed that I was charged XXXX  for the same item or service, which I was unaware of at the time. This duplicate charge has further strained my finances and made it even more difficult to make timely payments. 

I am doing my best to stay afloat in a city where the cost of living and taxes continue to rise. Despite my efforts, I am now in a position where catching up on this account feels impossible. I respectfully request that this account be either removed or the balance reduced, as continuing to carry this debt is creating an unsustainable burden. 

I am not trying to avoid my responsibilities, but rather seeking a fair resolution that reflects my current situation. I believe consumers who are genuinely trying to meet their obligations should not be trapped in a cycle of unmanageable debt. 

Thank you for your time and understanding. I am hopeful for a compassionate and reasonable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-29 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint to request assistance regarding an inaccurate and/or unverified collection account that is being reported on my credit report. Despite my attempts to resolve this directly with the collection agency and/or credit bureaus, the issue remains unresolved and continues to negatively impact my credit. 

Details of the Disputed Account Collection Agency Name : LVNFUNDING Original Creditor : Unknown Date Reported : __________________ Reason for Complaint I believe this collection account is being reported in error, without proper validation, or in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : ( Select the ones that apply, or include all ) I never received proper debt validation from the debt collector. 

The collection agency failed to provide proof that I owe this debt. 

The amount reported is inaccurate or incomplete. 

The account does not belong to me. 

The debt is beyond the statute of limitations in my state. 

The debt was paid, settled, or previously removed but is still being reported. 

The collector is reporting incorrect dates or information. 

The collector is providing information that can not be verified. 

What I Am Requesting I respectfully request the CFPBs assistance in requiring the collection agency and credit bureaus to : Provide full and complete validation of this debt, including proof of ownership and a breakdown of all charges. 

Remove the collection account from my credit reports with all major credit bureaus if the debt can not be fully validated. 

Correct any inaccurate or incomplete information associated with this account. 

Ensure the collection agency complies with all FCRA and FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: NC

Complaint narrative:
I received a call from IQ Data international regarding a supposedly due amount of {$910.00} for damages incurred to my apartment complex. When I left I had told the XXXX of the complex if there was any debt that needed to be paid I would pay it. Just contact me and we would work out a payment plan. XXXX months after I had moved into a new residence, I answer a call from IQ data international and they said I needed to pay. I told them that I couldnt pay right at this moment because I am XXXX XXXX military and low ranking. Furthermore, my parter doesn't work and has XXXX. I am therefore paying all the bills including a credit card, car insurance and car payment, as well as for my residence. I also told them I had never received any letter in the mail regarding this bill. They told me they didnt care. That they had already sent it the letter and I needed to pay them or they would get me dishonorably XXXX from the military, ruin my credit, sue me in court, and ruin my life. They told me they didnt care about my financial situation and that i needed to pay them now despite me being fully unable to pay the total amount. At this point I became extremely frustrated and cursed the person who spoke to me and hung up the phone. I was very upset at how rude and unprofessional they were. As an XXXX XXXX service member who serves this country, it is very upsetting to hear the things they said to me. They called me again XXXX weeks ago and I told them to stop calling me until I recived a bill from them in the mail. I also have sent a letter to their XXXX asking for a invoice explaining the charges. I still have not and refuse to answer their calls. They keep harassing me and I dont know how to work this out when the company keeps threatening me and telling me things that Im afraid will happen.

Company response to consumer: Closed with explanation