vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I was effected by the hurricanes in XXXX  and was given the option to extend my payments in order to not reflect any late payments on my credit report and I was assured I wouldnt have any issues and that was not true. I was granted an extension in XXXX and was told I was granted a goodwill reporting exception and nothing had been reported to my credit company because I called and was effected by the floods from the natural disaster and family members had passed

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have called Equifax on XX/XX/year> about me not being able to access my credit file and it keeps giving me a code XXXX  they have told me to send in my information such as drivers license, social security card, and a bill with my address on it and I explained to them to check their information because I have sent that information in XXXX on the XXXX and I have also was advised to file a dispute to update my information ( personal ) and it was completed in XXXX days of information being updated. Fast forward till today which is XX/XX/year> and the technical issues is still ongoing and they keep telling me for XXXX weeks the technical department is working and will send you and email but that it has nothing to do on their end sorry for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CT

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Debt Collection Activities To Whom It May Concern : I am writing to formally request that you cease and desist all communication with me regarding the alleged debt referenced in your recent correspondence ( Account Number : 1593.! Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to request that you stop all further contact with me about this matter. 
This letter serves as formal notice that I do not wish to be contacted any further by your agency, or by any third party acting on your behalf, except to notify me of the following : 1. That your collection efforts are being terminated ; 2. That you may invoke specified remedies which are ordinarily invoked by your agency ; or 3. That you intend to invoke a specific remedy.

Please also provide written verification of the alleged debt, including the original creditors name, the amount claimed, and documentation supporting the validity of the debt, as required under 15 U.S.C. 1692g.

Failure to comply with this request may result in legal action, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or the Attorney General of my state. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute certain information contained in my credit report maintained by Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 

I recently obtained a copy of my credit report from your agency and noticed inaccurate information that I believe should be investigated and removed. The item ( s ) in question are listed below : Disputed Item ( s ) : XXXX XXXXXXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : [ e.g., This account does not belong to me/ This account was paid in full/ This account is reporting incorrect late payments. ] Please conduct a reinvestigation of this/these item ( s ) and provide me with written confirmation of the outcome. In accordance with 15 U.S.C. 1681i ( a ), I request that you complete the investigation within 30 days of receiving this letter. If the disputed information is found to be inaccurate or unverifiable, I request that it be deleted or corrected accordingly. 

Attached are copies of documents supporting my dispute ( e.g., proof of payment, identity theft report, correspondence with creditor, etc. ). 

Please also send me an updated copy of my credit report after the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Social Security Number ( last 4 digits ) : XXXX Date of Birth : 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 2025-05-17 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
That this student loan my daughter got it without my consent and I will love to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting a closed auto lease account as if it is currently active. The account was closed after a voluntary repossession in XXXX, with a first delinquency date of XX/XX/XXXX. Recently, my co-signer ( grandmother ) made unauthorized {$25.00} payments, which XXXX used to update the Date Reported to XX/XX/XXXX. This was done without my knowledge or written authorization. 

I never agreed to reopen or reactivate this account. I am disputing the reporting as misleading and potentially in violation of the Fair Credit Reporting Act, particularly the illegal re-aging of the account. I have disputed this with XXXX  ( denied ) and am now disputing with XXXX. I am requesting full documentation or immediate removal of this account from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Got it thanks for clearing that up, XXXX. 

So to recap : {$1400.00} is your monthly mortgage payment ( not the tax amount ). 
The actual taxes paid through escrow ( school, city , county ) total {$3400.00}, as shown in your screenshots. 
Youve never missed a payment, and despite that, your mortgage increased by over $ XXXX. 

Heres the final and clean CFPB complaint text now completely accurate : Final CFPB Complaint Text ( ready to paste ) : My mortgage was transferred from XXXX XXXX  to PennyMac. On XX/XX/XXXX, XXXX emailed me stating that my homeowners insurance would expire soon. Based on that message, I believed my insurance was still active and purchased a new policy in XX/XX/XXXX before the supposed expiration. 

Later, PennyMac claimed my insurance had lapsed in XX/XX/XXXX and applied force-placed insurance retroactively, charging my escrow account. This contradicts their XXXX email and caused financial harm and confusion. 

On XX/XX/XXXX, I participated in a three-way call with PennyMac and my insurer ( XXXX ) XXXX PennyMac asked me to backdate my policy to XXXX to avoid further penalties even though I took timely action based on their notice. This has created additional cost and confusion. 

Additionally, I am legally exempt from real estate property taxes as of XX/XX/XXXX, through the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, before that exemption took effect, PennyMac paid {$3400.00} in property-related taxes from my escrow account : {$2300.00} for school taxes ( XX/XX/XXXX ) {$560.00} for city taxes ( XX/XX/XXXX ) {$520.00} for county taxes ( XX/XX/XXXX ) I was eligible for the exemption during that period but was unaware of the need to file separately. These taxes were paid without notice or assistance in seeking a refund or appeal from the taxing authorities. 

Ive never missed a mortgage payment, and my mortgage was {$1400.00} monthly. Despite that, my monthly mortgage payment has increased by over {$300.00}, creating financial strain and confusion. 

I submitted a formal RESPA dispute to PennyMac asking for : Removal of force-placed insurance charges Retroactive application of my valid insurance Refund of improperly paid taxes A corrected escrow analysis I am requesting CFPBs assistance to ensure these issues are addressed and resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several disputes were sent to all XXXX credit bureaus about the removal of XXXX in my credit reports in XXXX and XXXX and the credit bureaus refuse to comply with my request.

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 2025-05-17 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a Have I been drained data breach asset forfeiture disclosure from a tax lien of {$140000.00} from XXXX IRS Business Account, my bank account with membership policy insurance holder of XXXX XXXXXXXX XXXX. I am corporate manger from data breach policy. My account was reversed mortgage with a tax lien and recovery account found my records in the breach with my employment. I asked to file a communication statement with a data breach on my credit report showing inaccessible inaccurate dispute of error log ins from my whats app log in with my email XXXX. there is a phone hack of communication from the server. I have a policy and member ID with insurance policy. Have I been drained 2025 data breach using a FTC report to file identity theft of a reverse mortgage account hack foreclosure dispute paid from the XXXX guided error of dispute affidavit claim o deficiency. Showing a reversed mortgage title holder making a membership policy change in my data broker from my power of attorney. My client was XXXX from communication. I asked to send my policy to my support for reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
Complaint Summary for CFPB XXXX XXXX and on a fixed income. I was trapped in a remote area in a broken-down car with no access to money because Cash App restricted my account without explanation. I asked support repeatedly for help and told them my situation was urgent and dangerous. I sent screenshots and messages, and still received scripted replies. 

I communicated with multiple agents, including one named XXXX who identified as non-binary. When I brought that up in frustration, they continued the conversation instead of escalating it. The chats became demeaning, emotionally manipulative, and inconsistent. This went on for hours. I was denied access to groceries and money while in crisis. 

I believe there may have been technical interference from XXXX or XXXX  ( a XXXX XXXX ), and I asked Cash App to confirm whether those systems were involved in blocking my account. I received no answers. I now believe I was being profiled, possibly due to device or XXXX-level issues connected to those companies. They knew I was in poverty, and instead of helping, they pushed me further into distress. 

I have screenshots of everything, including my offers to resolve things privately with Cash App to avoid escalation. They continued to dismiss my requests until I had to walk XXXX miles for help. This was financial abuse, and for someone with mental health issues, this kind of treatment is unacceptable. 

I want the CFPB to review this in full. Im not a lawyer. XXXX XXXX XXXXXXXX XXXX  who needed help. I did everything I could to get someone to listen, and they ignored it. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
Upon looking at my Equifax Credit report, there is an Unauthorized account from XXXX XXXX XXXX. That account is Fraudulent account and it shouldn't be on my credit report. I invoke my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681 ), In which allows consumers to dispute inaccurate information. 

XXXX XXXX XXXX  ACCOUNT # XXXX OPENED ; XX/XX/year> AMOUNT : {$990.00} Also my report says this account is an authorized user account. Meaning not only is the account fraudulent, I'm also no responsible for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
Upon looking at my Equifax Credit report, there is an Unauthorized account from XXXX XXXX Bank. That account is Fraudulent account and it shouldn't be on my credit report. I invoke my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681 ), In which allows consumers to dispute inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX OPENED ; XX/XX/year> AMOUNT : {$990.00} Also my report says this account is an authorized user account. Meaning not only is the account fraudulent, I'm also no responsible for the account.

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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I received bank statements from my bank but the way they are written they are very confusing and i paid a year of payments and did not look like they were applied correctly. Also, after my contract was up and the balance still showing XXXX still being owed out of XXXX people i talked to ally not XXXX of them could give a breakdown and explanation of these fees. And, in the meantime they sent me a title so not sure why I received it when they are saying i owe all this money. Art he end of this the only amount I will agree is for the XXXX deferments equaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was effected by the hurricanes in XXXX and was given the option to extend my payments in order to not reflect any late payments on my credit report and I was assured I wouldnt have any issues and that was not true. I was granted an extension in XXXX and was told I was granted a goodwill reporting exception and nothing had been reported to my credit company because I called and was effected by the floods from the natural disaster and family members had passed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
This company said that I received money for a loan. I did not and they wont send me a copy of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Federated Student Loan Services
State: CA

Complaint narrative:
That this student loan my daughter got it without my consent and I will love to remove it from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull financials solutions XXXX The CFPBs new rule amends Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), to end this exception and establish guardrails for credit reporting companies, prohibiting them from including medical bills on credit reports sent to lenders, who are banned from considering them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have been letting this credit card company know since 2019 that this account was not mine and they continued to advise me that because someone used it, its mine and never resolved the issue even with the address the card went to not being mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : 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 * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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