vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I bought my home, XX/XX/XXXX. I have a XXXX year mortgage XXXX a month. I have never missed a payment. Total {$1600.00} with escrow. 

Today XXXX, tells me as of XX/XX/XXXX my new payment is XXXX because of XXXX. My Insurance went down from {$1300.00} with XXXX, no longer in MD to XXXX with XXXX. 

In addition, my property taxes went up approximately {$110.00}, but XXXX XXXX has a 25 % discount for XXXX police and firefighters, which I never claimed. 

So technically my insurance and taxes are {$880.00} less than last year, but because of " surpluss '' and " reservoir '' it still goes up. 

In addition, they paid my property taxes last year in XXXX and XXXX, getting hit with a penalty. 

I paid my property taxes in full {$3300.00} at end of this month to get the 1 % discount. Considering I have {$800.00} in escrow, they would have to lower it. 

I told them to take XXXX XXXX Taxes off of escrow, my realtor and lawyers, XXXX XXXX XXXX have stated on a 30 year traditional mortgage, no missed payments in 17 years, this is 100 % allowable in the state of MD. 

They should have to tell people they are a DEBT COLLECTOR and in no way going to advise you to make the best / smart decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. In those disputes, I identified the specific accounts in question and detailed the violations affecting my consumer report. 

It has been over XXXX days since my disputes were received, and I have not received any response as required under the Fair Credit Reporting Act ( FCRA ). For reference, I have attached copies of all dispute letters sent. 

This company is in violation of the following : FCRA XXXX ( XXXX ) ( XXXX ) Failure to update the account status to reflect that it is in dispute. 
FCRA XXXX ( XXXX XXXX  Incorrect reporting of the date of last activity. The account should reflect the last date a payment was made, not an inaccurate or manipulated date. 
FDCPA XXXX ( XXXX  ) Continuous failure to provide validation of the alleged debt, as further supported by FTC opinion, constitutes an additional violation. 

These ongoing violations demonstrate noncompliance with federal law, and I expect immediate corrective action.

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 2025-08-08 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: TX

Complaint narrative:
I previously submitted disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. In those disputes, I identified the specific accounts in question and detailed the violations affecting my consumer report. 

It has been over XXXX days since my disputes were received, and I have not received any response as required under the Fair Credit Reporting Act ( FCRA ). For reference, I have attached copies of all dispute letters sent. 

This company is in violation of the following : FCRA XXXX ( XXXX ) ( XXXX ) Failure to update the account status to reflect that it is in dispute. 
FCRA XXXX ( XXXX XXXX  Incorrect reporting of the date of last activity. The account should reflect the last date a payment was made, not an inaccurate or manipulated date. 
FDCPA XXXX ( XXXX  ) Continuous failure to provide validation of the alleged debt, as further supported by FTC opinion, constitutes an additional violation. 

These ongoing violations demonstrate noncompliance with federal law, and I expect immediate corrective action.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am reporting inaccurate XXXX  loan entries listed by Experian that were discharged over 30 years ago in XXXX  XXXX bankruptcy. They were removed after my dispute in XX/XX/XXXX, but reappeared in XX/XX/XXXX and XX/XX/XXXX under different reporting companies, balances, and account numbers. Experian refuses to remove it and claims its accurate, ignoring discharge records. This error caused my credit score to drop from XXXX to XXXX. Ive made every effort to keep my accounts in good standing. Experian failed to conduct a proper reinvestigation under 15 U.S.C. 1681i and violated the FCRA. I request CFPB action and score restoration. Supporting documents attached.

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 2025-08-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Formal Dispute  Inaccurate, Incomplete, and Inconsistent Reporting of Multiple Accounts\n\nTo Whom It May Concern,\nI am disputing the reporting of the following accounts on my Experian credit report: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 XXXXThe attached screenshots from my credit reports prove each of these accounts contains inaccurate, incomplete, and inconsistent information in violation of the FCRA and XXXX XXXX  Compliance Standards.\nRequired Action:\nYou must delete these accounts entirely from my Experian credit file. The information is unverifiable and must be removed in full.\nNotice: If these accounts are not deleted within 30 days, I will file complaints with the CFPB, FTC, and my State Attorney General, and pursue legal action under 15 U.S.C. 1681n.\nWith your reinvestigation results, provide:\nName, address, and contact information of the furnisher who verified each account\nFull method of verification per 15 U.S.C.  1681i(a)(6)(B)(iii)\nCopies of all contracts, payment histories, and account records provided by the furnisher\nSincerely,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 2025-08-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
reporting false account and personal information not correct. like address and other inforamtion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
Ive never paid late, so the appearance of this payment delinquency is both surprising and incorrect. I ask for a prompt investigation and fix.

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 2025-08-08 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: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX$320.00} XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX PL - Incorrect Personal XXXX XXXX PL XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing XXXX my consumer XXXX credit report XXXX All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX : Dispute of Debt Request for Validation Account Number : XXXX To Whom It XXXX Concern : I am writing in response to a collection account you have reported to the credit bureaus, which appears on my credit report. I am requesting validation of the alleged debt, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). 

Please provide the following information : XXXX. The name of the original creditor ; XXXX. The amount of the alleged debt, including a breakdown of fees or interest added ; XXXX. A copy of any judgment, contract, or agreement bearing my signature that confirms I am legally obligated to pay this debt ; XXXX. XXXX that you are licensed to collect debts in my state, including your license number. 

Pending your response, and pursuant to the FDCPA, you are required to cease all collection activities until this debt is validated. Additionally, if you are reporting this debt to any credit reporting agency, note that I am disputing its validity, and you must update your reporting accordingly under the Fair Credit Reporting Act ( FCRA ). 

Please respond within 30 days of receipt of this letter. If you are unable to validate the debt, I request that you cease all collection activity and remove this account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY, XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$4200.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY, XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$4200.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was sent an email stating that I opened a Capital One credit card. It had all of my information, according to the associate at Capital One, and this is a bank that opened up this card. I did not know of it and closed it immediately. They couldn't tell me who opened it or where.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I disputed a charged off auto loan from XXXX XXXX XXXX XXXX within the required 30 day window after receiving their initial debt collection notice dated XX/XX/year>. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I formally requested full validation of the debt. 

Despite this, XXXX XXXX failed to provide the legally required documentation. They did not send a signed contract, proof of XXXX, or a full accounting of the debt from inception. Instead, they responded with vague summaries, partial records, and generic form letters that do not satisfy federal validation standards. 

Furthermore, the tradeline continues to be reported to the credit bureaus, even though XXXX XXXX has not adequately verified the information. This is a violation of Section 609 and Section 623 of the FCRA, as well as FDCPA Section 809 ( b ), which requires that debt XXXX cease collection and reporting until the debt is validated. 

I also sent a Notice of Intent to XXXX on XX/XX/year>, and have received no meaningful corrective action. My XXXX XXXX continues to be negatively impacted by this inaccurate and improperly verified tradeline, affecting my ability to secure housing and financing.

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 2025-08-08 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: RI

Complaint narrative:
I disputed a charged off auto loan from XXXX XXXX XXXX XXXX within the required 30 day window after receiving their initial debt collection notice dated XX/XX/year>. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I formally requested full validation of the debt. 

Despite this, XXXX XXXX failed to provide the legally required documentation. They did not send a signed contract, proof of XXXX, or a full accounting of the debt from inception. Instead, they responded with vague summaries, partial records, and generic form letters that do not satisfy federal validation standards. 

Furthermore, the tradeline continues to be reported to the credit bureaus, even though XXXX XXXX has not adequately verified the information. This is a violation of Section 609 and Section 623 of the FCRA, as well as FDCPA Section 809 ( b ), which requires that debt XXXX cease collection and reporting until the debt is validated. 

I also sent a Notice of Intent to XXXX on XX/XX/year>, and have received no meaningful corrective action. My XXXX XXXX continues to be negatively impacted by this inaccurate and improperly verified tradeline, affecting my ability to secure housing and financing.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I disputed a charged off auto loan from XXXX XXXX XXXX XXXX within the required 30 day window after receiving their initial debt collection notice dated XX/XX/year>. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I formally requested full validation of the debt. 

Despite this, XXXX XXXX failed to provide the legally required documentation. They did not send a signed contract, proof of XXXX, or a full accounting of the debt from inception. Instead, they responded with vague summaries, partial records, and generic form letters that do not satisfy federal validation standards. 

Furthermore, the tradeline continues to be reported to the credit bureaus, even though XXXX XXXX has not adequately verified the information. This is a violation of Section 609 and Section 623 of the FCRA, as well as FDCPA Section 809 ( b ), which requires that debt XXXX cease collection and reporting until the debt is validated. 

I also sent a Notice of Intent to XXXX on XX/XX/year>, and have received no meaningful corrective action. My credit score continues to be negatively impacted by this inaccurate and improperly verified tradeline, affecting my ability to secure housing and financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Credence Resource Management , LLC regarding an alleged debt they are attempting to collect on behalf of XXXX ( {$2900.00} ). I have never had a service account or authorized service with XXXX, nor have I received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite never receiving any bills, notices, or communication from XXXX or Credence Resource Management regarding this alleged debt, I recently became aware that Credence Resource Management has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement with XXXX, and have not been properly notified or given the opportunity to dispute or verify the debt. This collection activity may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1 ) Attempting to collect a debt that is not owed 2 ) Failing to provide written notice within five days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : 1 ) An immediate investigation into this account. 2 ) A copy of any and all documentation Credence Resource Management or XXXX claims supports the validity of this debt. 3 ) Immediate cessation of all collection activities until this matter is resolved and validated. 4 ) Removal of any negative entries from my credit report related to this account if it has been reported. 5 ) Written confirmation of the resolution of this matter. Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The account in question, opened on XX/XX/XXXX, is being reported as " charged off '' with a balance of {$13000.00}, last updated XX/XX/XXXX. I dispute this information on the basis that it is inaccurate and/or unverifiable.

Company response to consumer: Closed with explanation