vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I paid my XXXX account balance in full on XXXX and received a letter from them stating that there is no outstanding balance on XXXX ( see attached ). As of XXXX XXXX is still reporting a balance to Equifax, XXXX  and XXXX  when there is none. I called XXXX on XXXX, they verified that I am paid in full and I requested that they correct their incorrect credit reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: KY

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 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc.
State: LA

Complaint narrative:
They misled me into thinking that they were setting up an account for me to transfer funds. But what I believe is that the information that I had put it into their website, they were just collecting my personal information, I believe to misuse it in the future or to sell it. To some scrupulous, entiti What I want them to do is remove all my personal information from their website. Because I believe that they are nothing but a scam set up to relieve people of their personal information after they have collected it. And offer no service whatsoever. 
The account had only been opened up for a day and the same day I tried to use it. I had problems the credit cards. I was putting in. They kept rejecting it, and the website said to choose a different card. And so I did, but then they questioned me and asked me why I use So many different cards and I told them because the website requested it. So I believe they deny you access to their system after they have collected all of your personal information. I do not believe they are legit, even if they are legit, they act like a company that is trying to scam.You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains multiple inaccuracies that compromise its integrity and do not meet the standard of maximum possible accuracy as required. These errors are seriously impacting my financial well-being and continue to cause harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2025-08-06 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: SC

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 explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I am not responsible for the accounts in question. They are unauthorized and should be removed in accordance with USC 1681g within 15 days. Supporting materials are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One ACH {$1200.00} on my XXXX XXXX  account and I don't have an account with Capital One. I disputed this draft twice and all they can tell me is, that it is beyond the notch or 24hrs. The Capital One phone # on the dispute is for financial institutions or account holders. Neither of which I am. Multiple attempts go unanswered and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Trying to get receipt of my payments since XXXX of this year. It is now XXXX they say they will send me a receipt for my payment and they never do which prevents me from applying to apartments or getting accepted at apartments because they say I still have a balance, and the TSI will not give me my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/year> INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please update the following account as paid, never late. 


CAPITAL ONE Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
Received a call from IQ debt collector at XXXX on XXXX at XXXX in which the lady stated she was a debt collector trying to collect for a previous apartment I informed her I had just lost my job but will be starting somewhere new in a week and would be able to start making payments or pay in full once I had received a paycheck. She stated she would need to ask me some questions to see if I am eligible to get an extension in to which I agreed and provided answers for all her questions after putting me on hold she came back on the phone and stated how much am I paying today? I said nicely that I do not have work right now and have children to take care of but will call back to pay in full as soon as the end of the month she then proceeds to state how I just told her I have XXXX  amount of money in my credit cards so I need to put that towards this bill to which I told her yes but I have a kid to tend to and bills and that is all I have to hold me over until start of new job but promise to pay as soon as I get my first paycheck she then tells me that is what credit cards are for to pay my debt and I said yes but I have no other income to tend to my bills or kids if use my credit card money in return she tells me that I sound like I have someone taking care of my bills so I can use my credit card ( not once did I ever mention that anyone pays my bills ) but regardless who is she to tell me how to spend my money and how my finances are handled? I stated not once have I ever had a collector be so rude or tell me anything like that and in return she tells me oh so you have a bunch of other collectors calling you then which again, is not her business I said I would have figured something out to pay towards the account but since she wants to be rude then no to which she replies then someone else can deal with me since we got off on the wrong foot the person she put on informs me that this will ruin my credit despite me expressing my concern how rude the previous lady was! At this point my blood is already boiling from the ladies disrespect that now I do not even care to pay you guys to which he tells me then this will ruin my credit he does not try to apologize for the previous lady harassment but instead threatens me about ruining my credit despite my current hardship and expressing me feeling disrespected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I called four leaf credit union last week because I received a cancellation notice from my homeowners insurance company. I was told that there were no escrow accounts set up for the account. I have had the mortgage for XXXX years. When the company transitioned from Bethpage Federal credit Union to four leaf Federal credit Union Somehow their records do not show that there is an escrow account on file. The amount I pay monthly for my mortgage is including principal, interest, taxes, and insurance. It has been this way since the inception of the loan. Since they dont have a record of an escrow account, they have not dispersed the funds to the insurance company, which is causing the insurance company to issue the cancellation warnings. I have called numerous times Only to be put on extensive holds or repeatedly told that there is now evidence of an escrow account ( after they had to look up my closing documents from XXXX  years ago ). From what I am being told now that part of the issue has been resolved. However. They still have not dispersed the funds from the escrow account to the insurance company. I have gone through their escalation process to no avail. And I am being told that this is the highest level within the company I can achieve. To me this is unacceptable. They are using a third-party escrow company and again after being told on numerous occasions that the funds were going to be sent out via overnight. It still has not been done and when there is an issue, which obviously there is. No one is doing anything to remedy it unless I call and complain about it. I am on my fifth call. I have been on hold probably close to XXXX hours in total. And there is still an issue preventing the funds from being dispersed. Ive been told that I would receive calls back. I have been told that the third-party escrow company would call me back and no one calls me back and I cant get the same person on the phone twice. It was also suggested that I pay the insurance out of my own pocket until they can resolve the issue to avoid cancellation. The amount due is {$830.00} which is already in the account and has been for the better part of the year. It is not my responsibility to Repay these funds when four leaf and their third-party escrow company are at fault for the error.

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 2025-08-06 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: OH

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 2025-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
b"Please referece a previous complaint under reference numbeXXXX XXXX made in December of 2023.\nThe property is located in XXXX XXXX XXXX XXXX XXXX XXXX is a judical state.  PennyMac, LLC and any parent or subsidary company stated they would place the foreclosure on hold in or around the end of XXXX  once they served the initial paperwork of the intent to foreclose on the property.\n\nAfter they stated via CFPB that they would put a 'hold' on the proceeding going forward, I believed what was stated and looked to see correspondence regarding my intial request of an acknowledgement by PennyMac, LLC and any of their susidary companies, trusts or Board of Directors was not using the mortagage abtained to place on the stock market, using bonds, money market accounts, etc to make money without my knowledge under pentlty of perjury.  Nor that when the mortgage orgenated due to mortgagee's signature used to fund the account was not a factor.  \n\nInstead, PennyMac, LLC and it's legal team never halted the  foreclourser; nor did they send any other certified notification that they had decided to proceed with the forclosure process.  I am aware that a Notice of Sale by PennyMac, LLC must be published in a local newspaper for three conecutive weeks before sale date, and that the property owner was also to recieve notice by mail or e-mail at least XXXX business days prior to the sale.  I would like to see a certified copy, with an affidavit attached of both the newpaper article that ran in a Local newspaper for three consecutive weeks as well as the notice to the property owner of sale. I am requesting a reveiw and a cerrifed response via USPS be provided in XXXX  business days, certifying that SC judicial foreclosure laws and regulations were followed in executing the foreclouser and subsequent eviction.  \nIf SC foreclouse procedures were not executed properly, I respectfully reqeust relief, in the dismissal of the foreclousure due to improper notice or grant any other equitable relief deemed just.\n                                                All rights reserved.\n\nI reached out to PennyMac, LLC on numreous times via certied mailing with requested return reciepts. May 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\n\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-06 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

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 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief