vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. 

My personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. 

What Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. 

XXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. 

I also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. 

I never opened or authorized this account. 

I have no record of any relationship with the furnisher or original creditor. 

This account appears to be the result of identity theft and should be blocked immediately under 605B.

I provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. 

I also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. 

Additionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).

Applicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.

604 : Inquiries made without permissible purpose or authorization.

605B : Failure to block identity-theft-related accounts.

611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.

611 : Failure to conduct a proper reinvestigation within 30 days.

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 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
In XX/XX/year>, PennyMac misdirected an escrow disbursement of {$2400.00} to the wrong insurer ( XXXX XXXX XXXX ) after confirming in writing that our insurance information had been correctly updated to XXXX XXXX by XXXX XXXX XXXX. The error caused our homeowners policy to be cancelled for nonpayment effective XX/XX/year>. We discovered the issue in XX/XX/year> and worked with PennyMac and XXXX to reinstate coverage, but PennyMac has still not refunded the {$2400.00} that was sent in error. 

PennyMac representatives ( including XXXX XXXX and XXXX XXXX ) have repeatedly confirmed the refund will be deposited into our escrow account, yet 20 months later the refund still has not been received. A formal RESPA Notice of Error and demand letter has been sent to PennyMacs designated address, and full documentation has been provided. 

We request confirmation that the {$2400.00} refund has been received from XXXX XXXX XXXX and credited to our escrow account, along with written confirmation that the account has been reconciled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
Subject : Second Response Validation Received but Reporting Remains Inaccurate This is my follow-up regarding the XXXX account currently being reported to XXXX, XXXX, and TransUnion. Although XXXX attempted to validate the account, the information remains inaccurate, incomplete, and inconsistent across all XXXX  credit bureaus. 

The validation letter provided by XXXX lists XX/XX/XXXX as the last payment date, yet XXXX  and XXXX  continue to show conflicting dates ( XXXX  lists XX/XX/XXXX and XXXX  lists XX/XX/XXXX ). The settled status, monthly payment history, and original creditor information are still missing. These omissions violate FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 623 ( b ), which require furnishers to maintain and correct accurate and complete reporting. 

Because XXXX has already had the opportunity to validate and correct the account but failed to provide accurate or verifiable information, I am now requesting immediate and permanent deletion of this account from all three credit bureaus under FCRA 1681i ( a ) and 611 ( a ) ( 5 ). 

Please update your records accordingly and provide written confirmation that the XXXX account has been deleted from my credit reports. 

Sincerely, 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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am disputing an inaccurately reported late mortgage payment by M & T Bank for my mortgage account ending in XXXX. The late payment was caused by M & T Banks failure to process an automatic ACH withdrawal, even though my updated funding account was in place and fully funded prior to the payment due date XXXX XXXX days. 

On XX/XX/year>, an automatic mortgage payment did not process due to an issue with the prior funding account. On XX/XX/year>, I updated my autopay information to a new bank account. M & T Bank confirmed the autopay setup in writing, and their confirmation stated that automatic draft would begin on XX/XX/year>. 

However, they did not process the XX/XX/year> draft, despite confirming that they would. The new account had sufficient available funds for the payment. I was never notified by M & T Bank of any failed payment attempt. I only became aware when I logged in during XXXX and saw that the payment had not been drawn. 

I immediately made the payment manually, well before I believed any XXXX delinquency existed. This was not a case of borrower neglect or refusal to pay. It was a processing/servicing failure by M & T Bank XXXX 

M & T Bank is currently reporting the XX/XX/year> payment as XXXX  days late. This is factually inaccurate and misleading, because : I updated my payment method on XX/XX/XXXX well before any XXXX late threshold. 

M & T Bank confirmed in writing that the XX/XX/XXXX draft would occur. 

The bank failed to initiate the scheduled draft. 

The funding account had available funds. 

I received no notice of failed processing. 


This violates the accuracy standards under : FCRA 15 U.S.C. 1681s-2 ( a ) duty to report accurate information XXXX  XXXX XXXX XXXX ( a ) prohibition on reporting information known to be incomplete or misleading I have already disputed in writing with M & T Bank XXXX and they refused to correct the reporting, despite their failure being the cause of the delinquency. 

This inaccurate reporting is causing ongoing harm to my credit profile and financing eligibility. I am requesting prompt correction. 

I am attaching : My initial dispute letter dated XX/XX/XXXX ( includes bank statement confirming available funds, and proof of autopay update confirmation ) M & T Banks response letter dated XX/XX/year>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 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This was from an apartment I had during XXXX XXXX rent relief was supposed to pay the balance, the ledger does not have a clear break down of what was owed nor does it say the mount that rent relief paid. They werent able to give me a move out statement as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-06 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My wellsfargo checking was negative XXXX an my business checking was negative XXXX but they was saying it was more but it wasn't to resolve the problem I want to reopen my business checking an regular checking i am employed i want to pay XXXX a week to payed off an I want my accounts reopen because um haveing hard time opening accounts else were an also I need an account for my daughter she's XXXX an um trying to get my self back situated

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 2025-11-06 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 submitted written disputes to all three major consumer reporting agencies Equifax, Experian, and TransUnion on XX/XX/year>, concerning inaccurate, obsolete, and misleading information being reported on my consumer credit files. 

In my letters, I requested that each bureau : Conduct a reinvestigation within 30 days as required by 15 U.S.C. 1681i ( FCRA ) ; Remove unverifiable, obsolete, or inaccurate items ; Provide full file disclosures as required by 15 U.S.C. 1681g ; and Remove unauthorized inquiries and suppress promotional offers.

I also explained that the reporting of incorrect or unverifiable information had caused me financial harm, emotional distress, and difficulty obtaining credit.

Despite these requests, the bureaus have continued to report inaccurate and misleading information. I have reason to believe they have failed to : Verify the accuracy of data with furnishers ; Remove or correct unverifiable items ; and Provide documentation or the sources of the disputed data.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On XX/XX/year>, according to the date listed with the new card that showed up in my mail, someone opened a Barclays XXXX XXXX account in my name, without my knowledge or consent. 
I immediately contacted Barclays and the representative closed the account and told me that a fraud investigation would be opened. 
I also received a letter from them a few days after stating that they were unsuccessful in sending me e-mail statements, that going forward they would be mailing paper statements. I have received XXXX e-mails from Barclays. This would make sense if the identity thief didn't have access to my e-mail. 
I then received the first paper statement from them for period XX/XX/year> to XX/XX/year> showing a current balance of {$79.00}, past due amount of {$29.00} and a previous balance of {$48.00}. It is strange that I never received a " first '' account statement. 
I then contacted Barclays again to find out why this fraudulent account had not been closed. The representative told me that investigations can take up to XXXX billing cycles. 
I then received a second account statement for period XX/XX/year> to XX/XX/year> showing a current balance of {$120.00}, past due amount of {$59.00}, and previous balance of {$79.00}. I did not contact them because I had been told this investigation could take up to XXXX billing cycles. 
On XX/XX/year> I received a letter from my former employer that XXXX of their servers had been hacked into in XXXX of XXXX  and they had determined that my personal information had been in the files that had been compromised. Same month as this card account was opened in my name. 
Today, XX/XX/year> I called Barclays to find out if their investigation had been finalized only to learn that they had concluded that there was no fraud and that they believed I was the one who opened the account. I told the representative about the former employer and their hacked server and he said he would reopen the fraud case on the account opened in my name.

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 2025-11-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May concern, I am submitting this formal complaint to request an investigation into a repossession account that is being inaccurately reported on my credit file. This negative item is severly damaging my credit standing and I believe it is being reported in error and in violation of my consumer right .. Account Name : XXXX XXXX Number Number XXXXXXXX XXXX XXXX XXXX XXXX  TypeI nstallment type Detail-Auto LoanAuto Loan Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> I am disputing this because the balance, dates, being reported are inaccurate. I have already disputed this directly with the credit bureaus and/ or the creditor, but the issue remains unresolved. I am therefore requesting that the CFPB investigate this matter and ensure the furnisher complies with all requirements under the FCRA and FDCPA, inicluding obligation to report only accurate and verifiable information.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
full account information not in response as they amended the agreement so the payments weren't late and they could charge XXXX late fees. As you can see i paid it off and they are still reporting the late fees which is part of their program through covid or anytime you fall behind. making the contract invalid after they amended the first time tbh

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My phone was stolen on XX/XX/XXXX. After the theft, the thief gained access to my Chase Bank mobile app and sent a {$980.00} XXXX payment from my account without my authorization. I have a police report documenting the theft ( Case number XXXX ) and I reported the incident to Chase within hours of discovering it. Despite multiple reports to Chases fraud department and even to their Executive Office, Chase has refused to reimburse me. Their only explanation was that because the transfer was authorized via Face ID, they consider it valid. However, this ignores the fact that my device was stolen and used by someone else. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), a transfer is unauthorized when made by someone other than the consumer without authority. Face ID authentication does not legally constitute authorization if the access was the result of theft. Chase also failed to issue a provisional credit within 10 business days, as required by Regulation E. What Ive done so far : Filed a police report immediately after the theft.

Reported the unauthorized transfer to Chases fraud department several times.

Escalated the case to Chases Executive Office and provided documentation.

Have not received any reimbursement, written determination, or evidence of a proper investigation.

What I want : I am requesting that the CFPB ensure Chase complies with Regulation E by : Properly classifying this as an unauthorized electronic fund transfer, Reimbursing the {$980.00} taken from my account, and Providing documentation of the investigation and corrective action.

This matter has been pending for over a month with no resolution. I am asking the CFPB to review Chases handling of this case and ensure compliance with federal consumer protection laws.

Amount in dispute : {$980.00} Institution involved : Chase Bank ( JPMorgan Chase & Co . )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-11-06 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: GA

Complaint narrative:
I hope this letter finds you well. I am sending to formally dispute and request a investigation concerning XXXX XXXX XXXX accounts that are currently being reported on my credit file as charge-offs, even though both accounts now show {$0.00} balances : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I hope this letter finds you well. I am sending to formally dispute and request a investigation concerning XXXX XXXX XXXX accounts that are currently being reported on my credit file as charge-offs, even though both accounts now show {$0.00} balances : 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