vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
I reached out to XXXX XXXX to pay by DEBIT CARD my monthly mortgage of XXXX and and additional {$360.00} to be allocated to the escrow account. I spoke with a XXXX XXXX and she seemed so sure within conversation that after payment I would receive an itemized receipt showing where the additional payment would go. I expressed my concern about all the negative reviews regarding this company particularly when it come to applying payments adequately and many other various problems. She assured me that I would receive for my records an itemized receipt showing regular mortgage payment and additional escrow payment of {$360.00} totaling a payment of {$2900.00}. After payment was made I get just a generic receipt as I feared. This business is a nightmare for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 am filing this complaint because TransUnion verified multiple accounts I disputed without conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. No documented proof or method of verification was provided, which is a violation of my rights under the FCRA. 

Since TransUnion failed to perform a reasonable reinvestigation and can not properly verify this account, I am demanding that the account be immediately deleted from my credit report as required by 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 2025-10-01 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Equifax credit report is inaccurately showing my XXXX XXXX account as Charge Off/Derogatory. This account was settled and paid in full for less than the balance on XX/XX/year>. Both XXXX XXXX XXXX correctly report the account as Paid/Settled, but Equifax continues to show it as derogatory. I disputed this directly with Equifax, but the status was not corrected. I am requesting that Equifax update the account status to accurately reflect that it was paid/settled, consistent with the other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

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 2025-10-01 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:
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 2025-10-01 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis is attempting to collect nearly {$4000.00} on an account I canceled and can no longer access. Despite my written dispute and cease communication request, they continue sending past due notices. 

Details : Account number : XXXX I canceled my LexisNexis subscription some time ago and have not used the service since. 
My account is disabled ( screenshot attached ) and inaccessible.

I disputed the debt in writing and requested proof of use and cancellation records. They have not provided verification but continue collection attempts. 
This appears to violate the Fair Debt Collection Practices Act ( FDCPA ), as they have failed to validate the debt and continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. The Credit Reporting Agencies ( Experian ) are buying, selling and trading my information for monetary gain without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a hard inquiry on XXXX credit report from XXXX  without authorization. approximately between XX/XX/XXXX and XX/XX/XXXX. 

Contacted Citi bank. They verified they automatically ran a hard inquiry without my authorization, for a rate adjustment. They refused to remove it and stated that I need to contact 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 2025-10-01 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-01 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: TX

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: WA

Complaint narrative:
Cashapp closed my account stating I violated their policy as if I gambled. I do not gamble. Never used Cashapp for gambling only for reasons like food, gas, etc. I never got transactions shown to me to support their false allegations. I want full access to my account now or getting an attorney. This is unfair, unacceptable, and defamation of my character as a mom gambling person!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
Formal Dispute of Inaccurate Account Reporting Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading account information being reported on my credit file by XXXX XXXX, currently listed as a mortgage account. This information is factually incorrect, unverifiable, and must be removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The issues are as follows : 1. The account is being inaccurately reported as a mortgage, which is categorically false. This account was never a mortgage loan. Misclassification of an account type materially misrepresents my credit history and constitutes inaccurate reporting.

2. The company has failed to provide proper validation of this debt. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agency must conduct a reasonable investigation. Simply marking the item as verified without documented proof from the furnisher does not satisfy this legal requirement. 
XXXX. XXXX XXXX is reporting derogatory information that is not supported by a legally enforceable obligation. If they can not provide a complete payment history, contract, and proof that I am responsible for this debt as reported, the entry must be deleted. 

Accordingly, I demand that this account be deleted from my credit report immediately. If XXXX can not fully validate and provide documented evidence that this account is being reported accurately and in compliance with the FCRA, it can not remain on my file. 

Please provide me with written confirmation of deletion. Failure to remove inaccurate information after proper dispute will be considered willful noncompliance with the FCRA and may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
Formal Dispute of Inaccurate Account Reporting Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading account information being reported on my credit file by XXXX XXXX, currently listed as a mortgage account. This information is factually incorrect, unverifiable, and must be removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The issues are as follows : 1. The account is being inaccurately reported as a mortgage, which is categorically false. This account was never a mortgage loan. Misclassification of an account type materially misrepresents my credit history and constitutes inaccurate reporting.

2. The company has failed to provide proper validation of this debt. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agency must conduct a reasonable investigation. Simply marking the item as verified without documented proof from the furnisher does not satisfy this legal requirement. 
XXXX. XXXX XXXX is reporting derogatory information that is not supported by a legally enforceable obligation. If they can not provide a complete payment history, contract, and proof that I am responsible for this debt as reported, the entry must be deleted. 

Accordingly, I demand that this account be deleted from my credit report immediately. If XXXX can not fully validate and provide documented evidence that this account is being reported accurately and in compliance with the FCRA, it can not remain on my file. 

Please provide me with written confirmation of deletion. Failure to remove inaccurate information after proper dispute will be considered willful noncompliance with the FCRA and may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action to enforce 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 explanation
Consumer complaint received 2025-10-01 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: CO

Complaint narrative:
This complaint is submitted under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that XXXX XXXX and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
This is my QWR and DVR to provide me itemization how my {$1500.00} payment was calculated and how it was applied in XX/XX/XXXX Please disclose how {$1500.00} payment was originally calculated, with itemized description of all amounts included in this payment : how much was calculated for past and present principal, how much was calculated for past and present interest how much was calculated for past and present escrow, how much was calculated for Trustee 's fees ; How much from this {$1500.00} was calculated for lawyer XXXX legal fees [ she already took {$2500.00} from my payments plan in XXXX and withdrew. ] Disclose if any other payments were included in this amount {$1500.00}. Itemize these payments. 

Please disclose how {$1500.00} was applied in XX/XX/XXXX, in particular : 1. How much was applied to current principal owed to PennyMac? List Principal and interest separately, please 2. How much was applied to past dues owed to PennyMac? List Principal and interest separately, please XXXX. How much was applied to present escrow? 

4. How much was applied to past dues escrow? 

5. How much was paid to XXXX in XX/XX/XXXX? 

6. How much was spent on anything else? Please itemize each category where my payments from {$1500.00} were applied. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all reported information must be accurate, complete, and verifiable. I request verification of these entries, and if they can not be properly confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I am formally disputing the fraudulent and inaccurate information being reported in my Equifax credit file regarding the account listed below. This account is the direct result of identity theft and must be removed immediately. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to conduct a proper reinvestigation and provide me with the procedures used to verify this account. If the account can not be verified, you must delete it without delay. 

Additionally, under 15 U.S.C. 1681c-2, credit reporting agencies must block all information resulting from identity theft once a valid FTC Identity Theft Report has been provided. I have submitted such a report ( FTC Report # XXXX, which requires Equifax to permanently block this account from my file. 

The following account must be deleted from my record immediately : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$13000.00} High Balance ( XXXX XXXX Equifax ) : {$39000.00} XXXX XXXX XXXX vs {$13000.00} ( Equifax ) contradiction proves inaccuracy Date of Last Activity : XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Equifax ) inconsistent reporting Status : Closed / Collection / Chargeoff The presence of this account is misleading, unverifiable, and violates 15 U.S.C. 1681s-2 for the furnishing of inaccurate information. Furthermore, under the Gramm-Leach-Bliley Act, 15 U.S.C. 6802, I have a right to privacy regarding my financial information, which is being violated by Equifaxs continued reporting of this fraudulent data. 


I hereby demand that Equifax : Immediately delete the XXXX XXXX XXXX account from my credit file. 

Provide written confirmation of the deletion. 

Issue an updated copy of my corrected credit report. 

You are required to respond within 30 days under the FCRA.

Company response to consumer: Closed with non-monetary relief