vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: McKenzie Management LLC
State: CA

Complaint narrative:
I am writing this not just as a customer, but as someone who has trusted XXXX for years to be reliable, fair, and transparent. Thats why it truly hurt to find out that my XXXX XXXX account was suddenly restricted without any explanation. I use XXXX XXXX  for everyday needs buying groceries, helping loved ones in emergencies, and managing small but important expenses. To suddenly lose access, with no clear reason given, left me not only inconvenienced but genuinely worried. Its not just money thats being held its my ability to handle real-life responsibilities. Ive always believed XXXX stood for innovation and trust, but in this moment, I feel unheard and powerless. I hope you can understand how stressful it is to have something so essential restricted without warning. All Im asking for is clarity, fairness, and a resolution so I can return to using a service I depend on. Please, help me restore my XXXX XXXX  I want to keep believing in the company Ive supported for so long.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I refinanced with Rocket Mortgage, FHA loan XXXX, closed XXXX, disbursed XXXX. I was initially approved at a lower interest rate. Near closing, Rocket conditioned approval on using my equity to pay negative tradelines in full, totaling about {$74000.00}. I asked to receive funds so I could dispute or settle for less. Rocket refused, said I would need to restart the refinance with no guarantee of approval. The loan then closed at a higher rate of 5.99 percent.

Rocket issued the payoff checks directly from loan proceeds. This was a material change to the cost of credit after approval, caused by a coercive condition. Violations include TILA and Regulation Z, TRID disclosure duties, RESPA, and UDAAP. Harm : higher monthly payment, higher lifetime interest cost, loss of my originally approved lower rate. Related complaint for the forced payoffs is CFPB XXXX. 

What I requested Honor my originally approved lower interest rate, remove the forced payoff condition, and allow closing under the original terms without paying disputed or unvalidated debts in full. Provide records showing why the higher rate was required.

Company response summary Rocket refused to honor the original lower rate and said the refinance would have to restart with no guarantee of approval if I declined
their payoff condition. They did not provide complete records justifying the rate change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
lots of account that are out dated with wrong information. accounts need to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THERE ARE A NUMBER OF COMPANIES LISTED ON MY CREDIT REPORTED THAT ARE REPORTING INACCYRATE 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
Consumer complaint received 2025-08-10 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: PA

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. Please block and delete the following items. 
XXXX XXXXXXXX XXXX Original Creditor : 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. Please block and delete the following items. 
XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Under FCRA Request for Immediate Deletion Dear XXXX XXXX XXXX XXXX  TransUnion, I am writing to formally dispute the accuracy of a late payment entry reported on my credit file. Upon reviewing my most recent credit report provided by your agency, I identified the following item which I believe is inaccurate, unverifiable, or misrepresented : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX 2019 Pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am exercising my right to dispute information I believe to be inaccurate or incomplete. Under the FCRA, you are required to conduct a reasonable investigation of the disputed information within 30 days of receiving this letter and either verify, correct, or delete any data that can not be substantiated. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer credit files. Reporting a late payment without verified documentation from the original creditor is a violation of this obligation. Therefore, I am formally requesting : A full reinvestigation of the XX/XX/XXXX 2019 late payment in question A copy of the method of verification used, in accordance with 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Immediate deletion of the XX/XX/XXXX 2019 late payment entry from my credit report if XXXX  XXXX is unable to provide original, verifiable documentation confirming its accuracy If this late payment is not verified and corrected or removed within the legally required timeframe, I will proceed to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance with federal law. Enclosures : Copy of my Government-Issued ID Copy of a recent utility bill ( proof of current address ) Copy of my credit report with the disputed XXXX XXXX entry clearly highlighted Thank you for your prompt attention to this matter. I expect a written response and full resolution within 30 days as prescribed 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of charge-offs and late payment entries that are inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ).

I have requested proof of the alleged late payments, complete payment histories, and lawful calculation of the charge-off balance. The furnishers have failed to provide this documentation or conduct a reasonable reinvestigation.

I am requesting that the CFPB direct the credit bureaus and furnishers to delete all unverifiable charge-offs and late payments, correct my reports across all CRAs, and ensure compliance with the cited laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I send a letter to Caine & Weiner to validate the debt and asked them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccurate business information currently reported for XXXX XXXX XXXX. under Customer Reference Number : XXXX. 

The incorrect address currently reported is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The correct, updated business address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute several unauthorized inquiries with Experian that appear on my credit report. These inquiries were made without my knowledge or consent. I did not initiate any credit applications with the companies listed below, nor did I authorize any third party to do so on my behalf. 

Enclosed for your review : A copy of my FTC Identity Theft Report ( Affidavit ) A copy of my drivers license A copy of my Social Security card Proof of address ( utility bill or bank statement ) Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX U.S. XXXX XXXX ( XXXX ). According to, XXXX U.S. Code XXXX The banking system is dependent upon fair 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. Under, XXXX U.S Code XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Last 4 of SSN # XXXX ACIMA DIGITAL FKA SIMP XXXX XXXX XXXX XXXX, UT XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 


Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : ACIMA DIGITAL FKA SIMP Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Upon reviewing my recent credit report, I discovered that Caine & Weiner is reporting and/or attempting to collect an alleged debt in my name. I have never received any written notice of this debt within XXXX ( XXXX ) days of your initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( a ). This failure constitutes a direct violation of federal law. 

Accordingly, I am formally disputing the validity of this alleged debt and demanding that you provide, in full compliance with federal law and applicable case law, the following : The full name and address of the original creditor. 

A copy of the original contract or agreementbearing my signaturethat allegedly created the debt. 

A complete and unbroken chain of title, including notarized assignments, bills of sale, and any subsequent transfers from the original creditor to the present alleged owner. 

The XXXX XXXX XXXX governing the sale or transfer of this alleged account. 

Proof of legal standing and authority showing that Caine & Weiner is lawfully entitled to collect on this alleged debt. 

A detailed, itemized accounting of the total amount claimed, broken down into principal, interest, fees, and any other charges. 

Relevant case law clearly establishes that a debt collector must be able to substantiate its right to collect a debt through proper documentation, including : XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) An assignee must prove a valid assignment to enforce a debt. 

XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX requires a demonstrable, valid chain of title. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Mere assertion of ownership is insufficient ; evidence of assignment is required. 

Until and unless you produce the requested documentation and it is properly verified, you are to immediately cease all collection activity and remove any negative tradelines relating to this account from all consumer reporting agencies, as required under XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX ( b ). 

Failure to fully comply will leave me no choice but to pursue all available legal remedies, including but not limited to statutory and actual damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. 

This letter serves as a formal dispute of the alleged debt and notice of intent to initiate legal proceedings should your company continue unlawful reporting or collection efforts without substantiating the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
back in XX/XX/year> I tried to withdraw money from capital one atm inside Walmart in XXXX using careless withdraw and no money dispensed so I tried again using my debit card and withdrew {$100.00} got back to my car and checked my account and saw that {$200.00} was taken out called called capital one they started a claim couple weeks later claim was denied here is now XX/XX/year> and I still havent been able to get this resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
As a victim of identity theft, I discovered unauthorized charges/collections on my credit report that I did not authorize. I have already sent a formal dispute letter to the creditor/collection agency requesting removal of these items. Despite my efforts, the issue remains unresolved. I am requesting CFPBs assistance to investigate and ensure the inaccurate information is corrected and 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 2025-08-10 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing inaccurate and misleading reporting of a closed, paid auto loan from Pentagon Federal Credit Union ( Acct XXXX XXXX XXXX  ). This account was paid in full, yet XXXX  and XXXX  continue to display it as a charge-off with 2+ years of consecutive CO notations in the payment history.

A charge-off is a one-time accounting event under industry XXXX XXXX guidelines and should not be reported month after month. Reporting CO every month artificially inflates my derogatory history, is factually inaccurate, and constitutes re-aging of the account in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( a ). 

Additional issues : XXXX  reports Last Activity as XX/XX/XXXX while still showing CO notations into XXXX factually impossible. 
XXXX  shows Paid account/was a charge-off but continues to show CO notations well after payoff. 
Payment history after payoff should not include derogatory codes. 

I have previously disputed this directly with the credit bureaus, and I am preparing new disputes dated tomorrow ( MM/DD/YYYY ) for XXXX, XXXX, and Pentagon Federal Credit Union under FCRA 623 ( a ) ( 8 ). Those letters will be uploaded to this case once sent.

Requested resolution : 1. Remove all CO notations after the original charge-off month.

2. Update status to Paid/Closed {$0.00} balance no derogatory history after payoff date.

3. If verification can not be provided, delete the tradeline entirely from all reports.

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 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
I did a credit check in the process of buying a house and was notified that there was a collection on my credit. I contacted the company that was falsely charging me for debit but they could not prove it was mine. The debt was in another state that I have never lived in. The company, XXXX, is stating that I owe the money but they can not send me proof of when or where the account took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently viewed my credit report and noticed a unauthorized inquiry resulting from identity theft please remove this inquiry. I have included a Identity Theft Report 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 non-monetary relief