vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have a mortgage on my home, currently serviced by Roundpoint Mortgage Servicing LLC. I pay my mortgage on time. 
Around XX/XX/XXXX I received a phone call from my mortgage company, claiming my account was past due. I told the woman who called that her claim wasn't reasonable. She claimed the mortgage company sent me a letter informing me of an increase in my escrow payment {$60.00} and that I haven't paid it. The person I spoke to claimed they sent me a written notice, but XXXX id n't receive any such notice. 
Immediately after the phone call, I went online, and checked to see that the bill was in fact changed and that I was currently short {$120.00} ( 2 months @ {$60.00} ). On XX/XX/XXXX I paid the balance. I assumed the matter was complete. 

On the following statement I noticed a penalty of {$100.00} apparently carried over from a previous month. So I sent them an email on XX/XX/scrub> 2025 explaining how I acted in good faith and requested that they remove the penalty. I also asked them to text with any future correspondences or payment increases. 

They responded on XX/XX/year>2025 by email, and stated that the mistake wasn't theirs and denied my request. 

I responded back on XX/XX/XXXX, telling them this is unacceptable and I plan on filing a formal complaint. On XX/XX/XXXX, they called me, and denied my request vebally. 

So, here I am... I understand that it is the job of the front-end person ( XXXX ) , to flatly deny any requests that I or any other client requests. But I am a timely paying burrower, my payment wasn't late. And it was their failure to contact me, that resulted in my failure. As the facts above show, they are successful in reching me when they make the effort. 

I don't like playing the blame game, but this is on them. I'm a business owner, and I know how to contact my clients when they have balances due, and so should Roundpoint. I respectfully, request that the penalty be removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$1600.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$1600.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went on a cruise on the XXXX XXXX from XX/XX/year>2025 to XX/XX/year>2025. On XX/XX/year>2025 the merchant XXXX XXXX charged {$17000.00} to my credit card for what they claim was a series of {$1000.00} charges from their casino made to my room. I asked the merchant for copies of signatures or video evidence of who made the charges. They ignored my request. 
On XX/XX/year>2025 I disputed this charge with Citibank. I fully explained the situation and I provided Citibank with all of my correspondence requesting information from XXXX. I told Citibank that XXXX refused to verify any signature or provide any evidence of who made the charges. 
On XX/XX/year>2025 Citibank asked me to provide them specific details concerning the claim even though I had already done this with the initial dispute on XX/XX/XXXX. 
On XX/XX/year>2025 even though Citibank had received no response from the merchant they sent me a letter saying they are unable to assist me in this dispute. They said to resume the investigation I would have to provide them with a credit slip from the merchant even though I clearly had explained to them that the merchant was unwilling to issue a credit in the first place. On XX/XX/year>2025 I called Citibank and talked to XXXX extension number XXXX and explained to him that I was never given a credit slip. He confirmed that the merchant has so far ignored their request for information and that Citibank would reopen the investigation. 
On XX/XX/scrub> 2025 I received a letter from XXXX XXXX at Citibank again asking for a copy of a credit slip from the merchant. I responded with an email on XX/XX/year>2025 again explaining that no credit slip was issued because the merchant has refused to issue a credit. 
After numerous phone calls to Citibank 's dispute department I finally received a letter on XX/XX/year>2025 saying that Citibank is unable to assist me in this dispute due to the fact that the charges were billed to my card when I was on the cruise. 
Citibank is ignoring the fact that there there is no evidence that I authorized these charges and that the merchant has refused to provide any documentation about these charges. In fact the merchant ignores all requests for information from Citibank and has never responded in any way to either me or to Citibank regarding this dispute. Citibank has not lived up to their obligations to conduct a thorough investigation into this matter and to render a decision consistent with the facts.

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 2025-05-18 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-05-19 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: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX 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/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 2025-05-18 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: GA

Complaint narrative:
Subject : Round 2 Dispute - Identity Theft - Demand for Removal of Fraudulent Accounts and Verification To Whom It May Concern, This letter serves as a follow-up to my initial dispute regarding fraudulent accounts on my Equifax credit report. Despite my first dispute, these unauthorized accounts remain. I am formally requesting their immediate deletion under my rights pursuant to Title 15 USC 1681, 609 ( a ), and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

The following accounts were not removed, and I was not provided with any verification of how they were verified, which is a clear violation of FCRA requirements : Fraudulent Accounts to Be Blocked & Deleted : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Status : Unauthorized account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Unauthorized collection account XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Hi there, i cant get any loan even if i have or had good credit, every time i apply to a loan is instant denied and i am not sure but i think is when i requested a loan of XXXX to Lendmark Financial at Santee because i didnt know better back then and got a XXXX loan with a 36 % apr which is stupid i know but this was like 3 years ago if im not mistaken and so my dad went there with me and got a bit heated there we got a discount paid off the debt. So time goes by and i have applied for many loans because either i wanted to get a car or simply i needed cash and sometimes when i talked to someone for a loan they tell me they can see a situation related to Lendmark according to banks, so i dont know whats going on if they screwed me over or is something else. I have applied for credit cards and no problem and i always pay on time but loans instant denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Lost wallet with all my cards in it. I have had to replace everything. Notice this on my report in 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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I go XXXX XXXX a lot because I use XXXX XXXX to pick up family and friends or just to visit XXXX XXXX For some reason my XXXX XXXX on the days XX/XX/2024, XX/XX/2024, XX/XX/2024 from pick up and drop up family member to the XXXX XXXX didnt catch my XXXX XXXX XXXX. My XXXX XXXX works in other parts of XXXX XXXX  on those days but not in that XXXX XXXX XXXX and XXXX XXXX. I called the violation XXXX XXXX from XXXX XXXX and explained them that I do have an XXXX XXXX and it charge every where else this two bridges they tell me to send that information over with the proof of the XXXX XXXX account. I did sent the information over and two weeks later I received a collection notice. I called back the XXXX XXXX violation NY and they apologized because the representative gave me the wrong information and my account was already set for collection even those they received the proof they told me to contact the collection agency. I contacted them and I send the information over two both of agencies. One of them accepted since I did provided all the paperwork required but XXXX XXXX sent me a letter saying that they can't take the paperwork since either 1 Toll bill was not paid by the due day set by XXXX when I did sent the information over and that when they told me the last representative gave me the wrong information. 2 Vehicle registration is not update, when my registration is update3. 3 Registered owner of the car holds responsibility of the violations and I feel is not fair for me when I did follow everything and sent all the information request with proof. The amount set for each violation is {$50.00} for not having an XXXXXXXX XXXX  when I do have one and explain that mine is from Massachusetts. So my total amount is {$300.00} when I do have an XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Information stollen in a data breach 2 one was equifax and it has hard inquiries that are not mines also 2 collections account thats are not mines that is affecting my credit and the wrong adress on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Clarification Regarding the Application of 15 U.S. Code 1601 Dear Credit Acceptance CorpI am writing to bring to your attention the provisions outlined in 15 U.S. Code 1601, which states the findings and purposes of the Truth in Lending Act. As per this federal law, Congress recognized the need to promote the informed use of credit by requiring disclosures about its terms and costs to consumers.

Specifically, 15 U.S. Code 1601 explains that the Acts purpose is to assure a meaningful disclosure of credit terms so that consumers can compare different offers and make informed financial decisions. It emphasizes the importance of transparency in lending practices and aims to eliminate confusion or deception regarding credit terms.

In light of these objectives, I request that all relevant disclosures related to my account/loan be provided in accordance with the requrements set forth under this law, ensuring clarity and transparency.

Please consider this letter as a formal request for detailed disclosures related to [ specific transaction or account ], in line with the protections and purposes outlined in 15 U.S. Code 1601.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
Complaint Summary : I am filing this complaint due to numerous inaccuracies across all three of my credit reportsEquifax, Experian, and TransUnion. These inaccuracies are significantly impacting my creditworthiness and hindering my ability to qualify for a mortgage. 

Details of the Issue : XXXX. Dismissed Bankruptcies : All three credit bureaus are reporting XXXX bankruptcies that have been officially dismissed by the court. A dismissed bankruptcy is not the same as a discharge and should not continue to negatively impact my credit profile. The continued reporting of these dismissed bankruptcies is misleading and harmful. 
XXXX. Collection Accounts : There are several collection accounts being reported that are either inaccurate, unverifiable, or potentially past the statute of limitations. These accounts differ across the XXXX bureaus, and despite prior disputes, they remain on my reports without any clear or valid validation. 
XXXX. Charged-Off Accounts : My reportsespecially Experian and TransUnioninclude charged-off accounts from creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect information, including outdated balances, incorrect dates, and inconsistent statuses. 
XXXX. Closed Accounts with Negative Statuses : Many closed accounts are still being reported with derogatory marks. In some cases, these accounts appear multiple times or with conflicting information across the XXXX bureaus. This is creating confusion and inaccurately reflecting my credit history. 
XXXX. Failure to Conduct Reasonable Investigation : I have previously submitted disputes directly to Equifax, Experian, and TransUnion. The results of these disputes were generic and did not provide evidence of a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). It appears that the data furnishers were not held accountable for verifying the accuracy of the information. 

Requested Resolution : Immediate deletion of the XXXX dismissed bankruptcies from all credit reports. 
Removal or correction of all inaccurate, outdated, or unverifiable collection and charged-off accounts. 
A thorough and transparent reinvestigation of all disputed items with proper documentation from the furnishers. 
Confirmation in writing of all corrections or deletions made as a result of this complaint. 

I respectfully request the Consumer Financial Protection Bureau to investigate these reporting issues and ensure that the credit bureaus comply with FCRA requirements, so that my credit reports reflect only accurate and verifiable information.

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