vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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 discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions Inc. associated with XXXX XXXX account number XXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian Information Solutions Inc. has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
This is just a brief synopsis as there's too much info to type here. My home is currently financed through Freedom Mortgage XXXX XXXX XXXX who purchased my loan from XXXXXXXX XXXX XXXXXXXX back in XXXX. My home has been insured via a ranch policy from XXXX since we purchased the property back in XXXX and is renewed every year in XXXX. 

Year 1 of XXXX  holding my mortgage, they failed to pay my insurance from my escrow. Neither XXXX nor XXXX  informed us that the policy hadn't been paid which caused my policy to be canceled and we didn't find out until it was time to renew the policy in XXXX by way of XXXX  sending a letter saying, " Hey, you don't have insurance, here 's a list of companies we want you to use or face foreclosure. '' After about 2 weeks of fighting with XXXX, they finally paid my premium to XXXX, but due to the cancelation of the policy, I was listed as a " High Risk Insurer '' and my premium was increased {$1000.00} plus late fees and back payments and {$4900.00} dollars went missing from my escrow account as they claimed they used it to pay my insurance and had to cut 2 checks to cover it. 

Rinse and repeat in XXXX and now here again in XXXX. I am now receiving phone calls from insurance companies stating that they have been contacted by XXXX  because I am shopping for a cheaper insurance. My premium went from just over {$3000.00} a year to now almost {$4300.00} plus an outstanding balance of almost {$2000.00} due to XXXX  's mismanagement of my escrow payments. The money goes missing from my escrow, but never makes it to the insurance company.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CO

Complaint narrative:
A XXXX XXXX account with an outstanding balance of {$2400.00} was incorrectly assigned to me and issued to LJ Ross Associates, a debt collection agency. After receiving a notice from LJ Ross Associates regarding the debt, I immediately requested an investigation into this account. 

After the investigation was completed on XX/XX/year>, XXXX XXXX confirmed I was not the responsible party for the outstanding balance and instructed LJ Ross Associates to remove the account and advise all three credit bureaus to remove the derogatory mark on my credit report. Despite this, the derogatory remark remains and is causing me ongoing and unwarranted harm. The timeline issued by XXXX XXXX was XXXX to XXXX  days after the investigation completion to update my credit report correctly. 

I have filed multiple disputes directly with all three credit bureaus and each has declined to remove the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I deposited a check into my account they claimed it was a fraudulent check, the account was at XXXX when they restricted my account but would not allow me to stop my payroll check from being deposited the following day my paycheck was deposited into this account which left a remaining balance of XXXX. This was all back in the beginning of XX/XX/year>, the account was completely closed on XX/XX/year> its now XX/XX/year> and upon speaking to a representative theyre telling me theyre keeping the XXXX with no explanation on how or why they're keeping the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: FL

Complaint narrative:
I have sent several disputes about these accounts that appear in my credit report, and they answer me absurd things that do NOT make sense, they tell me that my disputes is not presented by me, which is inserted. I affirm and assure once again that all deputies are presented by me with my right as a consumer and I demand that they take action on my complaints under the law that protects me 15 USC 1681s-2 for reporting inacurate information. At the time of this agreement I was a uniformed consumer as the agreement was not clear and conspicuous on terms and conditions. They did not disclose to me a clear and conspicuous option on how I can opt out of credit reporting which means they transferred nonpublic personal information without lawful authority.

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 2025-11-20 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 sent several disputes about these accounts that appear in my credit report, and they answer me absurd things that do NOT make sense, they tell me that my disputes is not presented by me, which is inserted. I affirm and assure once again that all deputies are presented by me with my right as a consumer and I demand that they take action on my complaints under the law that protects me 15 USC 1681s-2 for reporting inacurate information. At the time of this agreement I was a uniformed consumer as the agreement was not clear and conspicuous on terms and conditions. They did not disclose to me a clear and conspicuous option on how I can opt out of credit reporting which means they transferred nonpublic personal information without lawful authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
False Debt Reporting and FDCPA Violation by Equifax - attached proof sent to Equifax, and they continue to ignore my requests. I have attached proof this account is false and the reponses i have recieved from Equifax. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX is falsely reporting on my Equifax credit report. 
I received a collection reporting on my Equifax credit report AFTER they had my credit filed mixed up with someone else and I wasn't able to view my credit report from XXXX - XXXX in XXXX, When they finally corrected this, they reported a false account claiming I owed {$9900.00} to XXXX XXXX XXXX for an alleged XXXX, account ending in XXXX. 

I am disputing this debt because I have never had an account or relationship with XXXX Bank, nor have I ever authorized any account to be opened in my name. This is a false account and a clear case of mistaken identity or fraudulent reporting. Despite the account being false, the collection agency has attempted to collect this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. I also believe this may violate 1692f ( unfair practices ) and 1692g ( failure to properly validate a debt ). I have already contacted a lawyer regarding this matter. 

Details of Violation The collection letter references an account number with XXXX Bank, which I have never opened or used. I have not authorized any individual or entity to open an account in my name with XXXX Bank. The amount claimed ( {$9900.00} ) is false and unsupported by any documentation. 

The letter does not provide validation of the debt or proof of my obligation as required under federal law. Desired Resolution I request the CFPB to : Investigate Equifax and require them to remove this false account from my consumer credit report since it is causing me significant damages and stress. I am unable to sleep at night due to the stress they have caused me by ignoring my letters and the proof sent to them. 

Require them to cease all reporting activity on this alleged account. 

Require them to remove any related negative reporting from Equifax 's reporting. 

Ensure these entities are held accountable for violations of the FDCPA and any related consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
This reported information misrepresents my financial manner. Kindly examine and update it as needed.

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 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Aidvantage did not address any of the central issues in my complaint and did not conduct a reasonable investigation as required by FCRA 1681s-2 ( b ). 

See letter attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I accidentally sent {$500.00} via XXXX to the wrong recipient. On XX/XX/year>, I immediately contacted Chase to report the issue, and the representative filed a claim. I was told that Chase could not guarantee that the funds would be recovered because XXXX transactions are typically final. I understood that. 

On XX/XX/year>, I called Chase for an update. The representative I spoke with reassured mewith certaintythat I would receive the {$500.00} refund within a few days. Since this contradicted the first representative, I asked for clarification, and she clearly confirmed yes, the refund was guaranteed. Based on this assurance, I reasonably expected the claim to be resolved in my favor. 

However, on XX/XX/XXXXXX/XX/year>, I received a letter from Chase stating that the claim had been denied and the funds would not be refunded. This directly conflicted with what I had been told. 

I contacted Chase again, and each time I received different and conflicting information from multiple representatives. One rep said the case was closed with no options, another told me to contact XXXX, and another gave me a XXXX case number that did not help. The experience made it clear that Chase representatives were not providing consistent or accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CT

Complaint narrative:
I am requesting the removal or correction of the following items listed on my TransUnion credit report. These accounts have been reported incorrectly, and I would like them to be reviewed for possible error and updated accordingly. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
in XX/XX/year> I have been unemployed for over a year and a half and I only have one source of income so I called my to see if I could lower my mortgage cost by getting a quote on homeowners insurance. The company, XXXX XXXX XXXX was higher by {$600.00} more than what my current insurance. I DID NOT ACCEPT the quote. I found out about a week later that insurance company had paid my insurance even though it was fully paid by my current homeowners insurance policy was fully paid by XXXX XXXX in XX/XX/year>. I called both Mr. Cooper and XXXX XXXX XXXX to make sure that this policy was canceled, and I was told by XXXX XXXX XXXX that the policy was canceled on XX/XX/year>. I found out today that Mr. Cooper received the full refund amount on XX/XX/year> from XXXX XXXX XXXX. However, Mr. Coopers is showing that both insurance policies are active and they are current charging me a mortgage amount due monthly based on that fraudulent information. As of today I have two  current insurance policies as Mr. Cooper will not let the second fraudulent XXXX XXXX be removed from my payment amount due although it is canceled through the insurance company and Mr. Cooper has been fully refunded. Today on XX/XX/XXXX. 2025, I spoke with XXXX and she tried to cancel this fraudulent charge off my mortgage record and it did not let her do that. Something in the system is blocking it from being removed from my mortgage payment and still showing it as active. I believe theres to be political as I am a supporter of President Donald J Trump.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them.

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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