vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am a victim of identity theft. My credit reports show several closed negative accounts that I did not open or authorize, in violation of the Fair Credit Reporting Act ( FCRA ). These fraudulent accounts include XXXX XXXX  clothing account, TransUnion : XXXXXXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX clothing account, Equifax : XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX credit card, Experian : XXXXXXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX 

XXXXXXXX XXXX XXXX credit card, Equifax : XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  credit card, TransUnion : XXXXXXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX, Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  I am attaching my FTC identity theft report, my identification, and copies of my credit reports as supporting documentation. I request that, pursuant to the FCRA ( including sections 605B and 623 ), these fraudulent accounts be permanently blocked and removed from all of my credit reports and that the furnishers stop reporting any inaccurate information related to this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by th
e due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 2025-11-28 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Source receivable management XXXX XXXX XXXX XXXX NC XXXX United States XXXX # XXXX RE : Request for Validation of Alleged Debt To Whom It May Concern, I am contacting you regarding the account you claim I owe. This letter serves as my formal request for validation of the alleged debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Verification that I am the correct debtor, including the name of the original creditor and account number.

2. The complete accounting showing how the amount you claim is owed was calculated.

3. A copy of the original signed contract or agreement creating the obligation.

4. Proof that your agency has legal authority to collect this debt in my state.

5. Documentation showing the chain of assignment if the debt was sold or transferred.

Until you provide all requested validation : You must cease all collection activity, including calls, letters, and credit reporting. 
If the debt has already been reported to any credit bureau, you are required to mark it as in dispute. 

Please mail the requested documents to the address listed above. I prefer written correspondence only. 

I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OK

Complaint narrative:
Disputed Accounts ( Charged-Off ) : XXXX, Account # XXXX, XX/XX/XXXX, {$760.00} XXXX, Account # XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, Account # XXXX, XX/XX/XXXX, {$1000.00} Statement : I am disputing the accuracy, completeness, and validity of the above accounts as they are reported on my Equifax credit report. 

Specifically : I do not recognize some balances or the status of these accounts, and I request full validation of each account with documentation from the original creditor. 

If Equifax can not provide proof of these accounts accuracy, they must be corrected or removed immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including sections 609 and 611. 

I also request that any inquiries associated with these accounts that are not authorized or can not be verified be removed. 

I expect a prompt investigation and written confirmation of the results. Please update my credit report to reflect accurate information and notify me once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a senior citizen XXXX XXXX XXXX living on a fixed income! I have a checking account with Citibank and have been banking there since XXXX. I have direct deposit for my social security and also deposit checks to the account! On XX/XX/XXXX I entered into a business agreement with a company called XXXX XXXX to sell Jewelry on XXXX. It turned out to be a bogus business. They sent me a check for {$1000.00} by email which I deposited to my checking account through the citi mobile app. My account was immediately blocked by citi bank after they accepted the check. Instead of blocking the transaction they blocked me from my account. This was after they also sent me a email stating the funds were deposited. This is after they told me that the check was bogus when I called about my account. I am filing a complaint against that business who scammed me! I have repeatedly called and asked them to remove the block and they are refusing and not telling me when it will be removed. My Social security is directly deposited to the bank and my bills are due beginning the first of the month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am filing this complaint because PennyMac incorrectly reported my XX/XX/year> mortgage payment as XXXX  days late. This late payment is inaccurate based on my documented payment history and how my payments are credited. 

This is a mortgage servicing issue, not a credit bureau dispute. 

Here is what happened : XXXX My mortgage is on autopay, drafted on the XXXX of each month. 
XXXX On XX/XX/year>, my payment attempted but was returned due to an unexpected NSF event. 
XXXX As soon as I became aware of the NSF, I immediately corrected it by making a full payment on XX/XX/year>. 
XXXX My regular autopay drafted on XX/XX/year>, covering the XXXX payment on time. 
XXXX Therefore, the XXXX payment was made on schedule, and I was not XXXX  days delinquent for the XXXX cycle. 

Despite this, PennyMac reported a XXXX late for XX/XX/year>, which is misleading and incorrect. The delinquency originated from the XXXX NSF, but the XXXX payment was received within the XXXX billing cycle. 

I disputed this with all three credit bureaus and provided : XX/XX/XXXX payment proof XX/XX/XXXX autopay proof XXXX NSF and correction timeline PennyMacs own transaction history However, PennyMac verified the late payment without properly reviewing the servicing records. The dispute response appears to have been processed through the automated e-OSCAR system without a reasonable investigation, which is required under the FCRA and RESPA. 

This complaint belongs in the Mortgage Servicing category because PennyMac failed to : XXXXProperly credit my XXXX payment XXXXAccurately report delinquency timing XXXXConduct a reasonable investigation XXXXCorrect inaccurate information Requested resolution : Please conduct a full manual review of my payment history and remove the inaccurate XXXX  days late XX/XX/year> reporting. My XXXX payment was made on time, and any delinquency associated with the XXXX NSF should not be attributed to XXXX. I am requesting that PennyMac correct the servicing records and update all credit bureaus accordingly. 

I have attached the following evidence : Bank statement showing the XXXX NSF XX/XX/XXXX payment clearing XX/XX/XXXX autopay clearing PennyMac payment history screenshot My prior dispute documentation Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Let me reiterate that this complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not merely necessary it is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report as they contain errors or inaccuracies. Below are the details of the accounts in question : Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 2025-11-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Never gave me a chance to pay what was owed before closing my account & send it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report numerous accounts that do not belong to me despite multiple written disputes sent via mail. 

The ONLY accounts I have opened or authorized are the following XXXX ( all current and paying as agreed ) : XXXX. Michigan XXXX and Government XXXX XXXX Account # XXXX XXXX. Michigan XXXX and Government XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Every other trade-line, collection, public record, or inquiry currently appearing on my credit reports is the result of identity theft, error or mixed file and does not belong to me. The bureaus have failed to conduct a reasonable investigation and simply verified these fraudulent items with XXXX evidence. 

I have already sent multiple letters to fix the situation and the bureaus have not deleted the fraudulent items. This is a willful violation of FCRA 611 and 623. 

I request that the CFPB direct all three credit reporting agencies to immediately delete every account except the XXXX legitimate ones listed above. 

Regards, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Wednesday XXXX I reported possible fraud on my TD Bank debit card. The TD phone representative gave me incorrect information and charged the wrong fee. I was told the replacement card would cost XXXX XXXX dollars for expedited service but the posted fee is XXXX XXXX. I was not informed that TD branches are able to issue same day replacement cards. I was charged an expedited fee but the replacement card still shows as processing so the expedited service did not happen. This has delayed my access to my own funds. I tried to escalate the issue but TD provided no working escalation email address and directed me to departments that do not handle XXXX accounts. I need the incorrect fee refunded and I need a replacement card issued immediately. TD has not taken this matter seriously and I am unable to resolve this through normal channels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: NY

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 2025-11-28 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: IL

Complaint narrative:
These inquiries were not made with my consent and appear suspicious. I request swift resolution. Kindly review the attached materials.

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