vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: AL

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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I have identified multiple violations and inaccuracies in my credit report as provided by Experian, which are causing material harm to my financial standing and opportunities.

1. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Improper Reporting : This account is listed as a collection but also reports monthly delinquency payments ( XX/XX/year> XX/XX/year> ), which violates Metro 2 standards. Once an account is in collection, it should not continue showing monthly late payments. 
FDCPA Violation : I submitted a written dispute and request for validation of this debt. To date, no validation has been received, yet XXXX continues to report this tradeline, which is a violation of FDCPA 809 ( b ).

FCRA Violation : The account is marked disputed, yet there is no indication that the data furnisher investigated and updated the information in compliance with 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I have identified multiple violations and inaccuracies in my credit report as provided by Experian, which are causing material harm to my financial standing and opportunities.

1. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Improper Reporting : This account is listed as a collection but also reports monthly delinquency payments ( XX/XX/year> XX/XX/year> ), which violates Metro 2 standards. Once an account is in collection, it should not continue showing monthly late payments. 
FDCPA Violation : I submitted a written dispute and request for validation of this debt. To date, no validation has been received, yet XXXX continues to report this tradeline, which is a violation of FDCPA 809 ( b ).

FCRA Violation : The account is marked disputed, yet there is no indication that the data furnisher investigated and updated the information in compliance with 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 2025-06-04 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:
The following accounts were reported without my authorization and are fraudulent. I am requesting their deletion under 15 U.S.C. 1681g within 15 days of receipt of this notice. Supporting documents to verify this claim are enclosed.

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 2025-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in direct harm to both my credit and credit score. I previously contacted the credit reporting agency and was assured by a representative that these unauthorized inquiries would be removed. Yet they remain on my report. 
The continued presence of these potentially fraudulent entries is deeply troubling and raises serious concerns about identity theft. This ongoing issue is causing undue stress and further damaging my financial stability. I expect immediate action to investigate and remove these inquiries without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against the credit bureaus for reporting several unverifiable and potentially inaccurate accounts on my credit report.

I submitted a formal dispute requesting full legal verification under FCRA 1681i ( a ) and 1681s-2 ( b ), including a copy of the original signed contract, itemized accounting, proof of ownership, and confirmation that the debt is within the statute of limitations. 
These accounts were never validated with such documentation. The bureaus failed to comply with federal law by continuing to report these accounts without proper verification. I am requesting the immediate deletion of the following accounts as required under FCRA 1681i ( a ) ( 5 ) : - 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 This is a violation of my consumer rights. I am requesting the CFPB to intervene and ensure these unverifiable accounts are removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX Account Number : 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 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Collection account from ProCollect , Inc appeared on credit reports in XX/XX/scrub> 2022 in the amount of {$260.00}. I have contacted the company requesting information as well as to dispute collection and never received a follow-up or response. I then disputed the collection through the credit bureaus and item keeps coming back as deleted although I have not been informed what the balance is for. When contacting the original creditor, they are unable to locate the account or records stating why a balance is owed and direct me to contact the collection agency who also does not have any information. The final bill I received from the original credit is for {$20.00} which was paid.

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 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
FREEDOM MORTGAGE XXXX XXXX LATE PAYMENT Balance details 10 % paid off Balance {$270000.00} Balance updated XXXX XXXX, XXXX Original balance {$300000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX Mortgage In XXXX I missed my payment by XXXX days. I received a call and I made the payment. They reported the payment late on my credit report and that late payment decreased my score. I have had this mortgage for XXXX  years and this was my XXXX missed payment. I called an explained to the company it was an honest overlook can they not report me to the credit bureaus and they did.

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 2025-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Between XXXX and XXXX, PennyMac improperly disbursed over {$26000.00} in property taxes from my escrow account despite an active homestead XXXX tax deferral on file with XXXX XXXX. This was a clear violation of RESPA ( 12 U.S.C. 2605 ) and CFPB Regulation X, which requires accurate escrow accounting and prohibits mismanagement of escrow funds.

These unauthorized disbursements caused my monthly mortgage payment to rise as high as {$3500.00}, pushing me into default. As a result, my approved SBA disaster loan was reversed, leaving me personally responsible for a {$12000.00} insurance deductible and XXXX XXXX in storm-related home repairs. 

PennyMac has acknowledged this error and issued an escrow refund of {$11000.00}, but sent it to a closed bank account, then stated they might not reissue the funds. This behavior is unacceptable and violates the duty of good faith servicing under FHA loan servicing guidelines and CFPB Bulletin 2013-12.

Additionally, PennyMac enrolled me into a loan modification based on incorrect escrow balances, then began unwinding it after I filed complaintsfurther compounding the harm. This undermines both loss mitigation standards and my right to accurate and timely escrow disclosures under RESPA 12 CFR 1024.17.

I am requesting that : 1. PennyMac be compelled to reissue the refund to me directly, not to escrow.

2. My account be corrected and cleared of charges related to the erroneous disbursements.

3. Regulatory action be taken to address the servicing failures and financial harm this has caused my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: HI

Complaint narrative:
On XX/XX/year> I received the email below. The funds were never refunded to my account because my account was closed. I have called US Bank for months to get my refund. The first couple times I was told I would get a check in the mail. Today they said the claim was denied. 
Here is the email- You can try setting up a new payment. 
Log in to online banking US Bank {$110.00} has been refunded to your account. 

Refunded to account ending in : XXXX Refund date : XX/XX/year> Your unclaimed or canceled XXXX payment of {$110.00} to XXXX has been refunded and posted to your account listed above. You can log in to online banking or get the U.S. Bank Mobile App to review this transaction. 

Need assistance? To send us a message, please log in to online banking at usbank.com and select Email Us from the Contact Us menu on the Customer Service tab. 

Thanks for using XXXX at U.S. Bank.

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 2025-06-04 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: FL

Complaint narrative:
Let me be absolutely clear : this complaint is not a misunderstanding. My credit report contains serious inaccuracies that fall short of the standard of maximum possible accuracy required by law. These errors are significantly impacting my life financially, emotionally, and mentally. 
This situation is urgent and deeply distressing. I am requesting that you take immediate action to correct and/or remove these inaccuracies. Your prompt attention to this matter is not just necessary its critical.

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 2025-06-05 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: PA

Complaint narrative:
i received a email from Myfico membership that there was a inquiry placed on my credit profile that i do not recognized nor did i authorized from XXXX on XX/XX/2025 & from XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2025, and XXXXXXXX XXXX XXXX on XXXX XXXX, XXXX. 
today i filed a cliam with idthief.gov and the report are 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 non-monetary relief
Consumer complaint received 2025-06-04 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: WI

Complaint narrative:
I am filing a dispute regarding a XXXX XXXX account ending in XXXXXXXX XXXX XXXX, which is being reported as a charge-off on my credit report. After reviewing this account, I found several inconsistencies and I have not received any documentation verifying its accuracy. 

To this day, I have not been given a copy of the original agreement, a breakdown of the charges, or any proof that justifies the current balance being reported. This account is negatively affecting my credit and Im requesting that it be fully investigated and either verified with proper documentation or removed entirely if it can not be substantiated. 

I am attaching the following to support my case : - A copy of my government-issued ID - A recent utility bill with my current address - A copy of my credit report showing the disputed account - A copy of the letter I sent to the credit bureaus I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Credit Billing Act ( FCBA ). I respectfully request a full and human review of this dispute. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed they either pay me or or delete these accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Outdated Account Reporting under XXXX XXXX Code XXXX ( a ) ( XXXX ) RE : XXXX XXXX XXXX XXXX Account XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of information on my credit report that is being reported by XXXX XXXX XXXX XXXX. This information appears on my TransUnion credit report and is either obsolete or inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( a ) ( 2 ).

According to the FCRA, accounts that have been placed for collection, charged off, or otherwise similar in nature can not be reported more than XXXX years from the date of the first delinquency that led to the adverse status. This includes re-aged or resold debt accounts. 
Upon review of my credit file, I have identified that the account associated with XXXX XXXX XXXX XXXX is being reported beyond the permissible reporting period outlined in the law. As such, I request that you : XXXX a reinvestigation of this account in compliance with 15 U.S. Code 1681i. 
Provide documentation from the original creditor showing the actual date of first delinquency. 
Delete this account from my credit file if it is found to be outdated or unverifiable under 15 U.S. Code 1681c ( a ) ( 2 ).

Please consider this letter as a formal dispute and request for deletion or correction under my rights afforded by the FCRA. I have attached a copy of my credit report with the item in question highlighted, as well as a copy of my government-issued ID and proof of address for identity verification purposes. 
I expect a response and resolution to this matter within 30 days, as required by federal law. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-04 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-04 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief