vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
In XXXX of 2024 I was sent from Vanderbilt a letter stating my payment was changing in XXXX ( 2024 ). In ( XXXX ) I called in and spoke to one of the representatives about the change and the high escrow from the insurance and that representative told me if I can find cheaper insurance before XXXX they will adjust the payments accordingly to the lowered escrow. So I started to search for lower insurance premiums and I found one in XXXX, that months payment i can consider it but after I receive a text message saying my payment was changing the next month, my premium went down cause the insurance was lowered but Vanderbilt refused to change my escrow premium, they still charged me {$630.00} since XXXX until now and my payment and escrow is lower than what they charging me, this os fraud and the charges are fraudulent and the reported this to the credit bureau like we at fault but we're not. No Mortgage company can charge you what they want, they got ta go by that premium this is unfair. And one of their accounts manager she said i owed Vanderbilt because they paid my premium, that my account i pay faithfully monthly that they open for payers who has that mortgage on that home to pay for insurance and etc. I know that and so do they. This lady was very rude and unprofessional and thought I didn't know my rights also the insurance company sent a check that we had to shred and the other one was cashed by his sister we no longer has access to that, what can we do. This is wrong and injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am a victim of identity theft. Multiple accounts were opened in my name without my knowledge or consent. These fraudulent accounts have negatively affected my credit and do not belong to me. 

I have submitted an FTC Identity Theft Report, which is attached to this complaint. I am requesting that all accounts listed in the report be removed under FCRA Section 605B. These accounts were opened fraudulently and must be permanently deleted from my credit file. 

Accounts affected : XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Balance : {$4000.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Balance : {$3600.00} I request these accounts be blocked and deleted permanently. Please investigate and confirm removal per FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Capital One Platinum ( XXXX ), I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification please provide that information to me with a receipt displaying my signature. If not, please delete and stop reporting false information on my credit report. I am asking that this be done as soon as possible from my report or I will have to take legal action.

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

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize. 


XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX * * XXXX. XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX/25, I purchased a luxury watch from what I thought was a legitimate business, XXXX XXXX XXXX. I sent my payments via XXXX to XXXX XXXX XXXX and the transactions reflected an email of XXXX XXXX XXXX Two payments made 1st payment was {$2500.00} and the second final payment of {$2500.00} was made on XX/XX/XXXX. On XX/XX/XXXX, I called Truist Bank to see if I could pull the XXXX transactions as I was concerned about this company. Because it had been one hour since my second transaction, they couldn't pull it back and no option for the first transaction. I notified them that this was a scam. I was told to wait to see if I received the item. If I did not, to call back and file disputes. I felt a sense of protection since I reported it quickly and then was told to wait to see if I receive the items before taking further action. I was given a fake tracking number thru XXXX XXXX XXXX XXXX. After researching this company, it turns out that they are known for illegal and scamming practices. I tried calling them and their phone is disconnected. The fake tracking indicated that the package was delivered but it was not. I contacted the supposed business and was provided a fake case # for their dispute with the shipper. I was told multiple times that they would refund the payments but never followed through by the deadline they said I would receive my refund. Ultimately, they ended up blocking and ghosting me. I filed a police report, complaint via FTC, Internet Crime Complaint Center, Truist, and XXXX. I submitted the report to XXXX last week. When I filed my disputes with Truist, shortly thereafter, they were closed. Additionally, they were closed even before I submitted my paperwork. I do not believe they investigated and " IF '' they did, it was not a proper investigation. I was scammed by a person ( s ) that was posing as a legitimate business. My payment was supposed to be made to a business. I never authorized payments to individuals/scammers. I made inquiries on XXXX in different groups and was told they are scammers but nothing has been done to shut this fake business down. Since my claim numbers with Truist do not share PII, they are : XXXX and 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 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My student loan servicer is XXXX. They are the only company that has ever done my student loans. Apparently they used AidVantage for consolidation purposes. 

On my statement dated XX/XX/year> I have a Current Balance of {$18000.00}. This is correct. XX/XX/XXXX I logged into my XXXX account and it shows an incorrect balance of {$22000.00} suddenly. I have not taken any additional disbursements I have been out of school. I called XXXX. They said to tell AidVantage that XXXX cancelled the XX/XX/year> unsubsidized stafford disbursement. Because of that unsubsidized part of the consolidation loan, the balance needs updated to reflect that reduction. It does not reflect it currently. 

I also attached an email from my financial aid office confirming that the maximum I ever borrowed ( at peak ) was like {$18000.00} per the NSLDS. Im attaching a whole host of documents here, I would very much appreciate you reviewing this. Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding inaccurate collections accounts that continue to appear on my credit report, despite my efforts to have them removed. These accounts include those from XXXX XXXX XXXX and XXXX XXXX XXXX. I want to clarify that these debts are not mine and were likely the result of identity theft that occurred around 2019. Since resolving the identity theft issue, I have been actively working to rebuild my credit and restore my financial standing to where it was prior to the fraudulent activity. However, the continued presence of these accounts is still negatively impacting my credit to this day.

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 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-06 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:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-06 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: TX

Complaint narrative:
I am disputing a XXXX XXXX charge-off account that appears on my Experian credit report. I submitted a formal dispute and provided documentation showing I made a {$1000.00} payment to XXXX on XX/XX/2023, which should have reduced or resolved the balance. 

Despite this, Experian marked the item as verified, and XXXX continues to report the account inaccurately. I have attached proof of payment, including my XX/XX/2023 bank statement and transaction screenshot. 

I am requesting that the account be either updated to accurately reflect the payment or removed entirely from my credit report. The current reporting is damaging and appears to violate the Fair Credit Reporting Act ( FCRA ). 

I am asking the CFPB to step in and ensure proper verification procedures are followed and that inaccurate information is corrected.

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 2025-06-06 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
Please see attached goodwill letter and other supporting documents, please remove the late payments.

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 2025-06-06 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: AL

Complaint narrative:
XXXX failed to send timely bills leading to late payments and damage to my credit report. Also I was in XXXX XXXX XXXX the loans, but it shows up with several late payments.I called them back in XXXX, and they said they would correct it. However, it is still showing up. Not only is it showing up, but they created multiple accounts with the same late payments. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, outlines the rules that credit bureaus and lenders must follow when reporting credit information, including student loans. It emphasizes the need for accurate, complete, and timely reporting of consumer credit information. I believe 5 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c were all violated. 

Even more

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 2025-06-06 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: AL

Complaint narrative:
XXXX failed to send timely bills leading to late payments and damage to my credit report. Also I was in XXXX XXXX XXXX the loans, but it shows up with several late payments.I called them back in XXXX, and they said they would correct it. However, it is still showing up. Not only is it showing up, but they created multiple accounts with the same late payments. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, outlines the rules that credit bureaus and lenders must follow when reporting credit information, including student loans. It emphasizes the need for accurate, complete, and timely reporting of consumer credit information. I believe 5 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c were all violated. 

Even more

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

Complaint narrative:
XXXX failed to send timely bills leading to late payments and damage to my credit report. Also I was in XXXX XXXX XXXX the loans, but it shows up with several late payments.I called them back in XXXX and they said they would correct it. However, it is still showing up. Not only is it showing up, but they created multiple accounts with the same late payments. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, outlines the rules that credit bureaus and lenders must follow when reporting credit information, including student loans. It emphasizes the need for accurate, complete, and timely reporting of consumer credit information. I believe 5 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c were all violated.

Even more

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief