vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act the list of account below have violated my rights.

15 u.s.c section 502a state I have the right to privacy delete the account below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am disputing a {$1500.00} debt added to my credit report for alleged damages and carpet replacement after I moved out of my apartment. I was never notified of these charges, never received a final bill, and only learned about the debt after it appeared in collections. I have attached a full letter detailing the situation and supporting documentation. I request this debt be dismissed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Upon reviewing my consumer report, I discovered some Instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account ( XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies. Reporting these late payments are a violation of U.S code of 15 1666b timing of payments.

15 USC 1681e B 15. U.S. code 1681XXXX

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 2025-05-20 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:
Upon reviewing my consumer report, I discovered some Instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account ( XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies. Reporting these late payments are a violation of U.S code of 15 1666b timing of payments.

15 USC 1681e B 15. U.S. code 1681XXXX

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I've sent written communications requesting a debt validation by certified mail XX/XX/year>. This account has been closed since XXXX XXXX and sold to a collection agencies without my consent or permission. I've requested a response within 30 days of the letter being sent and as of today XXXX XXXX I have yet to receive a written letter from this creditor validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue : I am disputing a closed account from Tally Technologies Inc ( Account XXXX. XXXX ) still being reported on my credit file by Experian, despite Tally publicly ceasing operations in XX/XX/XXXX and being unreachable. 

Problem : Ive submitted disputes through Experian requesting verification on XX/XX/XXXX by phone. On XX/XX/XXXX the dispute was closed. Experian failed to give me a formal response to the dispute results ; the account remained on my credit report as verified. I responded to the results online requesting methods used to verify and this account ; it is currently under investigation. I have attempted to contact Tally Technologies Inc with no success. The only contact info listed on my credit report is XXXX XXXX XXXX, XXXX XXXX, CA XXXX, which links to XXXX XXXX not Tally. I have not mailed a dispute to that address due to concerns about sending personal data to an unrelated business. I also attempted to call Tally using the number on file, but no contact is available, confirming the furnisher is defunct. 

Violations : Experian has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 1 ) ( A ) : Right to a reasonable reinvestigation of disputed information 611 ( a ) ( 5 ) : Requirement to delete unverifiable items 607 ( b ) : Obligation to ensure maximum possible accuracy Experians refusal to reinvestigate or explain how verification was achieved violates these protections. If the account has been sold or transferred, continuing to report it under Tally Technologies is misrepresentation. 


Consumer Info : Name : XXXX XXXX Address : XXXX XXXX  XXXX, XXXX XXXX, XXXX, CA XXXX XXXX ( XXXX ) XXXX Thank you for your prompt attention to this matter and for your continued efforts to protect consumers.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted my legal name change documentation to Equifax via mail over 30 days ago. Their system failed to verify my identity through photo upload. Ive now called four times and been denied escalation. The representatives refused to give me a case number and stated no one could process the request manually. They also demanded I resubmit my documents, which would reset the 30-day legal window Ive already waited through. This is a direct violation of the Fair Credit Reporting Act, and Im requesting immediate manual processing of my name update and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

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 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Complaint to CFPB PHH Mortgage Services & XXXX XXXX To Whom It XXXX Concern : I am filing this complaint against PHH Mortgage Services and XXXX XXXX due to an issue that has negatively impacted my mortgage and credit standing, despite my efforts to make timely payments. 

I have consistently paid my mortgage on time using my XXXX XXXX bank account, which had automatic payments set up to PHH Mortgage Services. However, without my knowledge or authorization, XXXX abruptly closed my bank account and terminated the automatic mortgage payments. I was not notified of the account closure or the payment cancellation in a timely manner. 

By the time I received a formal notice from XXXX regarding the account closure and a delinquency notice from PHH Mortgage Services, the mortgage payment had already been reported late. I took immediate action upon receiving this information, but the delay caused by Chases unnotified closure and payment disruption resulted in a late payment entry being reported to Experian, Equifax, and TransUnion. 

This situation is outside of my control and due solely to the unilateral actions of my bank, not a failure to pay on my part. I believe this late payment is inaccurate and unfairly damaging to my credit profile. 

Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as PHH Mortgage Services ) are required to report information accurately and fairly. Additionally, under FCRA 1681i, consumers have the right to dispute inaccurate or incomplete information, and the furnisher must investigate and correct or delete any information found to be inaccurate or unverifiable. 

Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits creditors from taking adverse action without properly notifying consumers of the reason for such actions, which I believe applies to Chases failure to properly inform me of the account closure and cancellation of auto-pay. 

Request : I respectfully request the CFPB to investigate this matter and urge PHH Mortgage Services to : Reassess the late payment entry given the unusual and unnotified account closure by XXXX. 

Remove the late payment entry from my credit reports with XXXX, XXXX, and XXXX. 

Ensure that similar issues do not impact other consumers in the future due to inadequate notice from banking institutions or mortgage servicers. 


Thank you for your attention to this matter. I am seeking a fair resolution and restoration of my credit standing.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received a credit card from milestone credit card. The minute I activated it it showed fraudulent I was able to do a {$25.00} charge which I paid. They froze the card because they reported it fraudulent so Ive requested a replacement card which I never received. They are now charging me {$200.00} plus late fees plus I dont know what else so anyway {$280.00} for a card I dont have never received no longer because I dont trust the company and they will not get rid of the fees because they say I have the card that I dont have it even shows on their account is not activated because I never received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal 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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Account being charged in over {$3000.00} in fraud charges. Reached out to cashapp customer service and no one was able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-20 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:
Upon reviewing my consumer reports, I identified some instance of late payments on an account.I have always maintained timely payments.I have never missed the payments on my XXXX, XXXX and XXXX. I closed my XXXX XXXX  loan also. I request you to do a thorough investigation on these accounts. I have consistently upheld my payment obligations without delay.

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 2025-05-20 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: FL

Complaint narrative:
I was reviewing my credit report and noticed fraudulent accounts, which is affecting my ability to obtain credit. And violates the FAIR CREDIT ACT.I would like this to be removed so I can obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MA

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: MA

Complaint narrative:
So the pay day loan app when Im in need of XXXX dollers usually every XXXX  they let me loan it and when I get paid they take it then XXXX eligible again. If the amount can not be paid. Im not eligible for XXXX dollers. So may XXXX. They lent me XXXX XXXX. XXXX XXXX. Then they took XXXX dollers within the hour claiming it was a return fee from my bank. The k my way XXXX get a return free charge is if my account was negative. So after arguing and requesting to talk to someone else on the XXXX of XX/XX/year>. They returned the XXXX dollers so this week. XXXX struggling I asked them to reschedule the payment for me. They asked for proof of payments also telling me if they reschedule the payment for me Im gunna owe two payments cause I havent payed for XXXX XXXX which is a lie cause I wouldnt be eligible for XXXX bucks and said I didnt pay for the XXXX which is also a lie. Showed the proof pictures multiple times trusted to talk to someone else then that person goes and says they can do the repayment but I. XXXX XXXX  which is crazy work the ask me if I can show a back transcript and I sent them multiple messages and proof even if XXXX of their employees apologizing for taking money out the account writhing the hour I was eligible all Im asking is a for a week in repayment then they go on to ask why can I pay the XXXX my issue is after all that proof. I showed you why do you guys keep trying over charge me it has nothing to do with my bank my bank will charge me if XXXX over draft that was not the case if it was I wouldnt have refunded so after talking to this person so called after seen the mistake their employees made XXXX like hey you guys just thought I owed close to XXXX then the other guy said I owe XXXX payments I only owe XXXX and I said what you guys are doing is fraud according to their rules. XXXX day before repayment date you ask if it can be extended. But then their tryna charge. Me twice XXXX like no. So even after that The person charge me again on the XXXX of XXXX after I was refunded I have all the pictures to of the convo of the proof I sent the apology. This is ridiculous. All this for asking for a week extra is crazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
b'I SUBMITTED 31 CFR 328.6 PAYMENTS TO WELLS FARGO TO DISCHARGE THE DEBT YET THEIR EXECUTIVE OFFICE XXXX, RESPONSES WAS ALWAYS THEY NEVER RECEIVED THE PAYMENT" THAT WAS SENT BY REGISTERED MAIL AND CERTIFIED MAIL.  XXXX XXXX, HAD OVERSIGHT ON THIS MATTER.  I ALSO GOT THEIR FAX XXXX FROM XXXX  AND EMAIL THEM (SEE ATTACHMENT) ON XXXX XXXX XXXX  AGAIN THEY XXXX STATED THEY DID NOT RECEIVE IT.  I TALKED TO XXXX  AGAIN ON XXXX XXXX XXXX XXXX XXXX EST HE STATED AGAIN THAT HE WOULD CREATE ANOTHER COMPLAINT CASE #XXXX, WITH ANOTHER 10 BUSINESS DAYS REPLY.  I AM SURE AGAIN TO NO AVAIL THEY WILL AGAIN CLOSE THE CASE.  NOTWITHSTANDING, I WILL FORWARDED ANOTHER PAYMENT ON XXXX XXXX XXXX (SEE ATTACHMENT) THIS TIME YOU (CFPB) WILL GET A COPY OF THE PAYMENT (AN ESTABLISHED CHAIN OF TITLE) BY CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation