vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I submitted a formal freeze request due to contract issues and the denial of arbitration, based on the fact that Regional Acceptance Corporation and XXXX XXXX were not registered with nor in compliance with the XXXX XXXX XXXX XXXX XXXX ) rules and regulations. Between XXXX and XX/XX/year>, I sent XXXX certified debt validation letters to Regional Acceptance, formally requesting. The original signed contract, a full account ledger, and proof of ownership and chain of title for the alleged debt. To date, the company has not responded with any documentation. Instead, they continued to harass me through phone calls and text messages, and ultimately charged off the account in retaliation. They are now falsely reporting a {$34000.00} balance to Experian without validating the debt, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, under FCRA 605B ( 15 U.S.C. 1681c2 ), I am asserting my right to block any information resulting from unauthorized, fraudulent, or unverifiable activity. The Regional Acceptance account in question, was reported without proper authorization, was sold or assigned without a clear chain of title, and has never been validated as required by law. I have not received any documentation proving this debt is mine, and I am therefore demanding its immediate removal from my credit report under the protections afforded by FCRA 605B. I also maintain certified tracking proof of all letters sent, including delivery receipts and timestamps. If necessary, I am prepared to submit these exhibits in court and to regulatory agencies. This reporting is inaccurate, retaliatory, and harmful, and must be corrected immediately.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I previously had a utility account with XXXX electrical co-op, but after COVID hit I lost my house and could not pay my bills, so the account with XXXX went into collections and my power was shut off permanently at the end of XXXX. I have not made any payment of any kind against that outstanding balance since then. I did report this account as unpaid due to COVID with all of the credit bureaus, but at some point the 3 bureaus put the debt back onto my credit report with no mention of the COVID designation. 
Eventually the outstanding debt was sold to one or more debt collectors, none of which have I spoken to or communicated with in any form or fashion. I have not made any payments of any kind to the original company or to any subsequent debt collector, yet they continue to report that I have made a payment and that the account was opened recently on my credit report. I have disputed this information multiple times with all 3 bureaus, but they continue to claim that the current debt collector has provided the necessary documentation to prove that the information is correct.

It is impossible to provide proof of something that doesn't exist. I have stated as much to all 3 bureaus multiple times but they have done nothing, nor have they shown me whatever fraudulent documents the debt collector is using to support their false claims. If a debt collector is required to send supporting documentation that proves their information is reported correctly, then that info should be shared with the consumer that initiated the dispute, especially if it results in the credit report not being corrected.

If a debt collector is providing fraudulent documentation to the credit bureaus for monetary gain, they have violated federal law and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously had a utility account with XXXXXXXX XXXX XXXX, but after COVID hit I lost my house and could not pay my bills, so the account with XXXX went into collections and my power was shut off permanently at the end of XXXX. I have not made any payment of any kind against that outstanding balance since then. I did report this account as unpaid due to COVID with all of the credit bureaus, but at some point the 3 bureaus put the debt back onto my credit report with no mention of the COVID designation. 
Eventually the outstanding debt was sold to one or more debt collectors, none of which have I spoken to or communicated with in any form or fashion. I have not made any payments of any kind to the original company or to any subsequent debt collector, yet they continue to report that I have made a payment and that the account was opened recently on my credit report. I have disputed this information multiple times with all 3 bureaus, but they continue to claim that the current debt collector has provided the necessary documentation to prove that the information is correct.

It is impossible to provide proof of something that doesn't exist. I have stated as much to all 3 bureaus multiple times but they have done nothing, nor have they shown me whatever fraudulent documents the debt collector is using to support their false claims. If a debt collector is required to send supporting documentation that proves their information is reported correctly, then that info should be shared with the consumer that initiated the dispute, especially if it results in the credit report not being corrected.

If a debt collector is providing fraudulent documentation to the credit bureaus for monetary gain, they have violated federal law and should be held accountable.

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 2025-07-28 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: CT

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX VIA DEALER Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX VIA DEALER Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
I am a victim of identity theft, and my credit report contains accounts and inquiries I did not authorize. These items are inaccurate and should be removed. 

Under Section XXXX of the Fair Credit Reporting Act ( XXXX  ), I request that you block and delete the fraudulent entries. Attached are a list of disputed items and my FTC Identity Theft Report. 

Please investigate and confirm removal in writing. Thank you for your prompt attention.

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 2025-07-28 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: NY

Complaint narrative:
I did not authorize, open, or use any of these accounts or allow that inquiry. These are fraudulent. I disputed them with all three bureaus under 15 USC 1681, and they failed to verify properly or remove them. This is a direct violation of the 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 2025-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I asked the loan officer of my commercial real estate loan how do I get a forebearance. A XXXX later he replied that he could only get a forebearance for XXXX month on the principle, but the interest had to be paid. 

I reviewed previous emails from Prosperity Bank to find something that might help. I found an email that I had requested after the closing of the loan and it had the loan purchase contract accidentally attached. 
XX/XX/XXXX, I had asked the seller, XXXX XXXX XXXX, XXXX XXXX for a copy of the purchase contract with a closing date, because the copy they wanted me to sign was missing the closing date. XXXX, the sales agent, took it in the back for a signature, closing date, and a copy. She came back without the purchase contract and said because they were unsure of the closing date, it had to be left blank and there wasn't a copier there to make copies. 

XX/XX/XXXX, XXXX XXXX XXXX, loan processor, asked the seller for the purchase contract without my knowledge and the seller wrote in XX/XX/XXXX. The closing date passed and the loan did not close. I told one of the loan processors, I wanted my earnest money returned and was told no, the seller won't return it. The closing date of XX/XX/XXXX passed and we still didn't close. Prosperity Bank closed on the XX/XX/XXXX. 

XX/XX/XXXX, I asked for a copy of the settlement papers and Prosperity Bank emailed the settlement papers and purchase contract. The purchase contract had XX/XX/XXXX handwritten for the closing date and then XXXX out and XX/XX/XXXX was typed in for the closing date. If I had received the contract when I asked, I would have known I could get my earnest money returned because the contract had been breached. 

The loan processor and the bank knew the purchase contract had been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am filing this complaint because my mortgage servicer, Freedom Mortgage, is refusing to remove private mortgage insurance ( XXXX  ) despite my meeting the requirements outlined in the Homeowners Protection Act of XXXX ( XXXX U.S.C. XXXX et seq. ) : XXXX % XXXX ratio -Good standing with home loan -Up to date with payments I have a conventional mortgage loan, originally owner occupied, and purchased in XX/XX/XXXX. Based on the amortization schedule and the original value of the home at purchase, my loan-to-value ( XXXX ) ratio has now reached 80 %, which makes me eligible to request PMI cancellation under federal law. 

The lender is denying my cancellation request at 80 % XXXX and instead claiming that I must reach a 65 % XXXX and pay for an appraisal, which is not consistent with the statutory cancellation guidelines. They are also requiring a new appraisal, even though my request is based on the original value of the homenot current market valueas clearly allowed under the Homeowners Protection Act. 

Overall, I should be legally allowed to remove my PMI using the original appraisal and home purchase price and not requiring any new appraisal -I contacted them via phone call on XX/XX/XXXX and was sent forms in the mail asking for an appraisal free and 65 % XXXX XXXX -I contacted them on via phone call on XX/XX/XXXX and was told I only required 80 % XXXX ratio after running my info through their system but still required an appraisal. The agent sent a message to another team of my request that I should not be paying an appraisal based on the XXXX code above. Eventually, I received forms in the mail asking for an appraisal free and 65 % XXXX ratio on XX/XX/XXXX. This is inconsistent even with their own information I received over the phone.

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 2025-07-28 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts permanently from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: 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 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 explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX# XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  SV FCU # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX FIN XX/XX/XXXX XXXX FINANC 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: TX

Complaint narrative:
On [ insert approx. first date, e.g. XX/XX/year> ], I began receiving direct deposits exceeding $ XXXX into my Discover checking account. Per Discovers advertised criteria for XXXX, I met and exceeded all eligibility requirements : XXXX ) positive account balance, XXXX ) at least $ XXXX in qualifying direct deposit for XXXX consecutive months. 

Despite this, I was repeatedly denied enrollment in XXXX. On XX/XX/year>, I attempted to activate XXXX via the app and received a message stating I was not currently eligible. I contacted Discover support on XX/XX/XXXX and again on XX/XX/XXXX. Both times, the representatives confirmed I met the deposit and account requirements but stated they couldnt override internal eligibility rules and could not give me a reason for denial. 

I specifically requested a written explanation of why I was excluded from XXXX  despite qualifying under all published terms. I was told eligibility may change and XXXX is not guaranteed, but no objective reason or policy citation was provided. As of this filing, I still have not received a legitimate explanation, written notice, or pathway to appeal. 

This lack of transparency violates reasonable consumer expectations and may conflict with fair marketing and product disclosure standards. I am requesting : XXXX. A specific explanation of the reason I was denied enrollment ; XXXX Review of my account eligibility for Balance+ ; XXXX. Disclosure of any internal flags or risk scoring that may be incorrectly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AR

Complaint narrative:
The following accounts were disputed with all three major credit bureaus. One or more bureaus confirmed the accounts were inaccurate and removed them. However, the other bureau ( s ) failed to provide adequate verification or returned vague responses, resulting in inconsistent and unfair credit reporting. 
XXXX XXXX XXXXXXXX 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 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