vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MO

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX : XXXX XXXX XX/XX/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 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
XX/XX/2025 I contacted CrossCountry Mortgage ( powered by XXXX ) at XXXX regarding an unpaid insurance premium. Although the mortgage company collects funds for property taxes and insurance through the escrow account, the insurance payment had not been remitted to the insurance company. The mortgage company representative stated that the payment was mailed on XX/XX/2025 ; however, the insurance company confirmed that no payment had been received. Proof of mailing was requested, but the mortgage company representative was unable to provide any proof or supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$590.00} XXXX XXXXXXXX - XX/XX/XXXX - {$330.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$590.00} XXXX XXXXXXXX - XX/XX/XXXX - {$330.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I attempted to use my Capital One XXXX credit card and the transaction was declined. I immediately contacted Capital One customer service and was informed that the account had been restricted because it was allegedly disputed as fraud with XXXX. This representation is incorrect. The Capital One account is a valid account that was opened and used by me, and I did not submit any dispute to XXXX claiming that this account was fraudulent or unauthorized. 

I am a documented victim of the XXXX XXXX  data breach, which was the subject of class action litigation and settlement activity. However, my breach-victim status does not make this Capital One account unauthorized. I am submitting FTC Identity Theft Report XXXX. XXXX and my XXXX breach documentation to ensure accurate classification and proper handling of this matter. 

This issue reflects a failure in both XXXX and Capital Ones investigation processes. XXXX has not provided a lawful reinvestigation identifying when or how a fraud-dispute designation was created, who submitted it, or what documentation supports it. Capital One has restricted a valid consumer account based on an alleged XXXX fraud-dispute indicator without producing verifiable evidence supporting the restriction or confirming the accuracy of the underlying information. 

I have also experienced a problem with my personal statement of dispute. I have clearly stated that I did not report this Capital One account as fraudulent, yet the system continues to reflect or act upon an alleged fraud dispute. Any fraud-dispute coding associated with my XXXX file that contradicts my personal statement is inaccurate and interferes with proper dispute resolution. If my statement has been misrouted, truncated, or not properly associated with the disputed item, that constitutes a dispute-handling defect. 

As a result of these failures, I lost access to a valid credit card account, experienced declined transactions on XX/XX/XXXX, and incurred disruption to my financial planning. I am requesting that XXXX complete a lawful reinvestigation and remove or correct any inaccurate fraud-dispute coding, and that Capital One restore full account functionality, correct any internal fraud indicators, and confirm in writing whether any adverse information was furnished to a consumer reporting agency and, if so, that it has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MO

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX XXXX  TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXXXXXX 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 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have filed XXXX online/rush disputes with Innovis re XXXX my credit report. The XXXX XXXX XXXX account that is closed and paid in full is missing my address and phone number. The creditor has confirmed that they have the updated/correct address and phone number and that it should be on the Innovis report. The last online dispute was submitted online on XX/XX/ to Innovis that is still in progress and can take up to 30 days. None of these disputes thus far have fixed the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 611, please investigate this account and remove it if it can not be fully verified. Ive included my ID, proof of address, and a copy of my report. 

Please send me the results when the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX  {$250.00} was settled for a lower amount of {$100.00} XXXX asked him the only way I could pay that if they would delete it and they said they would I have it in recording of we recorded the conversation they still havent done it. I asked if they can send a letter they said they dont send letters. I need this removed from my account. Thank you. The payment was taken out on my bank on XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I attempted to use my XXXX XXXX XXXX credit card and the transaction was declined. I immediately contacted XXXX XXXX customer service and was informed that the account had been restricted because it was allegedly disputed as fraud with Equifax. This representation is incorrect. The XXXX XXXX account is a valid account that was opened and used by me, and I did not submit any dispute to Equifax claiming that this account was fraudulent or unauthorized. 

I am a documented victim of the XXXX Equifax data breach, which was the subject of class action litigation and settlement activity. However, my breach-victim status does not make this XXXX XXXX account unauthorized. I am submitting FTC Identity Theft Report No. XXXX and my Equifax breach documentation to ensure accurate classification and proper handling of this matter. 

This issue reflects a failure in both Equifaxs and XXXXXXXX XXXX  investigation processes. Equifax has not provided a lawful reinvestigation identifying when or how a fraud-dispute designation was created, who submitted it, or what documentation supports it. XXXX XXXX has restricted a valid consumer account based on an alleged Equifax fraud-dispute indicator without producing verifiable evidence supporting the restriction or confirming the accuracy of the underlying information. 

I have also experienced a problem with my personal statement of dispute. I have clearly stated that I did not report this XXXX XXXX account as fraudulent, yet the system continues to reflect or act upon an alleged fraud dispute. Any fraud-dispute coding associated with my Equifax file that contradicts my personal statement is inaccurate and interferes with proper dispute resolution. If my statement has been misrouted, truncated, or not properly associated with the disputed item, that constitutes a dispute-handling defect. 

As a result of these failures, I lost access to a valid credit card account, experienced declined transactions on XX/XX/XXXX, and incurred disruption to my financial planning. I am requesting that Equifax complete a lawful reinvestigation and remove or correct any inaccurate fraud-dispute coding, and that XXXX XXXX restore full account functionality, correct any internal fraud indicators, and confirm in writing whether any adverse information was furnished to a consumer reporting agency and, if so, that it has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I finished paying off the full balance of an auto loan through Chase Automotive Finance in XXXX. As of XX/XX/XXXX I am still unable to obtain the title to this vehicle because Chase Automotive Finance has not released their lien. I have called to request a letter indicating that the lien has been released 5 times in the past 4 years and I have still not received this letter. Without proof that the lien has been released I am unable to acquire the title to my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
I purchased a property in XXXXXXXX XXXX and obtained a mortgage from Round Point mortgage, and from XXXX XXXX XXXXXX/XX/XXXXXXXX  my regular mortgage payment was {$1500.00} in XX/XX/XXXX it increased to {$1900.00}. I have made several inquiries as to why my mortgage payment increased, I filed a complaint on Round Point mortgage website and faxed 2 letters in regard to the increase I was told by the customer service rep that the increase was due to an escrow cushion. After 3 calls to the escrow department, I talked to an escrow rep. on XXXX XXXX who informed me that the increase was due to taxes. I went to the XXXXXXXX XXXX  on XX/XX/XXXX the office who informed me that the tax increase was {$490.00} per year, because the mill rate went from XXXX to XXXX. My regular payment is {$1500.00} round Point increased it to XXXX, I find that increase unacceptable and refuse to pay {$1900.00}, I indicated to them that I was more than willing to pay the payment of {$1500.00}. I made my XX/XX/XXXX thru XXXX XXXX because I could not make my payment thru regular channels, I was further informed thru the tax office of XXXX that there is outstanding balance of {$3400.00}. I find that highly unacceptable to increase my mortgage payment to cover the outstanding balance owed by Round Point Mortgage tax payment that they are legally binding to pay every month. My mortgage payment includes my taxes and insurance. I have a XXXX mortgage, fixed rate at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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