vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: KS

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 2025-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My monthly mortgage payment has increased tremendously since and or after XX/XX/XXXX. 
When Freedom Mortgage company was sold my loan from XXXXXXXX XXXX XXXX  Back in end year of XXXX. 
My monthly mortgage through a VA approved loan was XXXX dollars a month As of XX/XX/XXXX my monthly payment jumped to XXXX. I contacted the company to inquire about what is going on they said my taxes increased. I said I'm tax exempt. 
The receptionist I spoke with said they had it recorded that I was tax exempt in Florida. I asked why is my monthly payment increased so much XXXX dollars that is a big jump and I don't know if I can add that due to other financial obligations. Then she told me about a program I could enroll in if I was facing hardship. I said ok lets do it! The receptionist took all required information need to start the process. But after considering I called back the next day and told them I had applied for this hardship program but decided I want to cancel. The receptionist took note and said she would pass this information along to others. Two weeks past I received a letter from Freedom Mortgage company saying that a foreclosure would proceed based on my ability not to pay my monthly mortgage payment. After dispute on this I sent them copies of my tax exempt I'm totally and permanently XXXX veteran and I pay XXXX taxes. However this statement didn't get notice Later I received a letter from them saying my monthly mortgage payment is XXXX dollars a month. I contacted them to ask about this the receptionist said my home insurance went up and I had too catch up on my escrow. I said I'm not I t sure what is going on here I've had VA approved loan before and never witnessed my monthly mortgage payment fluctuate like this. So I need additional advice on if what Freedom Mortgage company is doing legit if so how and why are my payment through this company fluctuate often as they do. I sign a contract at the beginning of my loan saying my monthly mortgage payment would be XXXX dollars and that wouldn't change. Any additional advice from your office is and will be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing is reporting incorrect and inaccurate information to XXXX. They are saying my home foreclosed on XX/XX/year>. This is incorrect information. 

The case is in the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Furthermore, their own company reporting provided by XXXX shows an active loan - XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: KS

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 2025-05-31 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: KS

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
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I paid Rent Debt {$2700.00} and realized after reading apartment ledger I was over charged XXXX, I requested a refund & payment for deletion and Rent debt never responded to my request. However they did manage to report derogatory information to credit bureaus. Im requesting refunded for over payment & ledger, receipt & deletion from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX is reporting a collection account from Credit Collections Services ( Acct. # XXXX ) that is unverifiable and inaccurate. I previously disputed this item. XXXX claimed it was verified, but XXXX XXXXas already deleted the same account after their investigation found it could not be verified. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), this item must be deleted if it can not be verified. XXXX has failed to provide any proof of a signed contract, chain of custody, or original creditor validation. I am requesting that the CFPB enforce permanent deletion of this unverifiable account from my XXXX  file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over XXXX points within the last 6 months due to error...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) is reporting the same {$680.00} debt multiple times on my credit report under slightly different account numbers and names. These entries all stem from an alleged debt with XXXX XXXX XXXX.. 

Specifically, the same debt is appearing under the names : " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All entries have the same balance of {$680.00}, same opening date ( XX/XX/XXXX ), and reflect the same original creditor. However, they differ in reporting details like " last activity '' dates and account numbers, which makes them appear as separate accounts and inflates my total debt burden. 

This constitutes duplicate reporting, which is : Misleading to creditors Negatively affects my credit score In violation of FCRA 623 ( Duty to Report Accurate Information ) Inconsistent with Metro 2 guidelines for credit reporting Additionally : One account shows the status as both " Open '' and " Charged-Off '' this is contradictory.

Another shows 100 % on-time payment history despite being a collection account. 

The accounts show conflicting " last activity '' dates ( XXXX, XXXX, XXXX ), which may indicate illegal re-aging under FCRA 605 ( c ).

I sent formal dispute letters to the credit reporting agencies requesting removal of these inaccurate and duplicate tradelines. The credit bureaus failed to resolve the issue and did not correct or delete the accounts as required by FCRA 611. 

I am requesting that the CFPB investigate this matter and compel : The deletion of the duplicate and inaccurate entries from my credit file A full audit of XXXX XXXX XXXX reporting practices A written response outlining corrective action taken

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 2025-05-31 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) is reporting the same {$680.00} debt multiple times on my credit report under slightly different account numbers and names. These entries all stem from an alleged debt with XXXX XXXX XXXX.. 

Specifically, the same debt is appearing under the names : XX/XX/XXXX XX/XX/XXXX All entries have the same balance of {$680.00}, same opening date ( XX/XX/XXXX ), and reflect the same original creditor. However, they differ in reporting details like " last activity '' dates and account numbers, which makes them appear as separate accounts and inflates my total debt burden. 

This constitutes duplicate reporting, which is : Misleading to creditors Negatively affects my credit score In violation of FCRA 623 ( Duty to Report Accurate Information ) Inconsistent with Metro 2 guidelines for credit reporting Additionally : One account shows the status as both " Open '' and " Charged-Off '' this is contradictory. 

Another shows 100 % on-time payment history despite being a collection account. 

The accounts show conflicting " last activity '' dates ( XXXX, XXXX, XXXX ), which may indicate illegal re-aging under FCRA 605 ( c ).

I sent formal dispute letters to the credit reporting agencies requesting removal of these inaccurate and duplicate tradelines. The credit bureaus failed to resolve the issue and did not correct or delete the accounts as required by FCRA 611.

I am requesting that the CFPB investigate this matter and compel : The deletion of the duplicate and inaccurate entries from my credit file A full audit of XXXX XXXX XXXX reporting practices A written response outlining corrective action taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB Corporation
State: VA

Complaint narrative:
XXXX XXXX XXXX sent this to a collection agency, when I had already paid the first semester and never resigned up for another. I paid in full but 4 months after they send a repeat of the same bill claiming its new charges when reps I spoke too said I owed nothing further. I attempted multiple times to contact the school before it went to collections but they kept ignoring me, their financial department I was told is only able to communicate via email, I emailed several times, it took them 6 months to send a notice that they received my email and contact me back on 24-48 hours, but it never happened, when I call back they jsut tell me the same things. XXXX XXXX XXXX is a predatory school, and will falsify information and lie to steal money. This debt was never suppose to be reported because there was none. I have a pdf copy of the contract I signed saying its paid in full, I have my emails I sent that were never responded and I can pull up times and dates when I called them but would get no where. XXXX  refuses to also acknowledge this.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name 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
Consumer complaint received 2025-05-31 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 XXXX 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 2025-05-31 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: LA

Complaint narrative:
Reported 8 Credit Card Accounts to Transunion, Equifax and Experian as not my Accounts and requested removal of the Accounts or proof that the accounts were not for XXXX XXXX XXXX or some other XXXX XXXX and actually Accounts for XXXX XXXX XXXX. The credit reporting agencies responded claiming all disputed credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX collection was investigated and was accurate to include an unidentified Bank Loan. Fact that information could be for XXXX XXXX XXXX and some other XXXX XXXX but not XXXX XXXX XXXX was given no given any response by credit reporting agencies.

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 2025-05-31 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 collection account below does not belong to me nor do I have nothing to do with it, I am addressing this issue with immediate effect and imploring the bureau to do all necessary investigations and remove this from my credit report because it violated my consumer as it is a none permitted or authorize report XXXX XXXX XXXX. XX/XX/year>

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I went on XXXX  to dispute certain items off of my credit report. When I go in and check the results the item have a new creditor name and a new opening date! Also one of the items on my credit report has two different debt buyers names but the same amount. I have noticed some of the old accounts are being reposted with more current dates as if the account was recently added or opened. I have asked for proof of debt validation and still havent received it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX reported a {$210.00} collection account to my credit report. However, this debt was paid in full on XX/XX/year>, and I have attached a copy of the receipt as proof of payment. 

This account should not have been reported as delinquent or in collections after it had already been resolved. XXXX reporting is inaccurate and damaging to my credit standing. 

I tried to file a dispute with XXXX on XX/XX/year>, but their online portal will not allow me to submit a new dispute related to this issue because it says I have active requests. When I log in to " previous requests, '' it's showing that nothing is active, ( although I do have an open request completely separate from this issue. ) I am requesting that XXXX remove this {$210.00} account from my credit report immediately, as it was paid prior to the date of reporting. Reporting a paid debt as unpaid or derogatory is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report accurate and up-to-date information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation