vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had XXXX credit cards with Bank of America and the issue at hand was they closed all XXXX accounts without notifying me as the customer and I find that as all my bills were and have been paid on time every month and they did not need to do that. I find it beyond pail. I attempted numerous times to reach a representative by phone as listed on each credit card only to be given a run around BOT that never transferred me to person that could actually answer any questions. I find that the customer service with this bank NON EXISTENT. also my limits were transfered from XXXX card to the next dropping the limit to a mere XXXX on XXXX card. the other card increased to XXXX k then was shut and the new card was only XXXX with a balance of over XXXX transferred. and closed at the same time. I find that their arbitrary policy to transfer balances or limits to certain cards arbitrary and not consistent. also closing the accounts without prior knowledge was not good for my financial health. I am not thrilled with what I have experienced with Bank of America. it seems like how XXXX XXXX treats there accounts too.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We had filed a complaint with the CFPB, XXXX, against PHH for their failure to apply a payment we made on an escrow shortage on our account. Their response explained that they had corrected the error and explained in the response that there was another escrow analysis resulting in another shortage. It was described in their response that, to ensure a payment is processed correctly, call them and leave a message, and they would promptly return our call at a convenient time to ensure a payment would be processed without error. We have left three messages over the past week with no return call. There is no option to speak with a live person, and their failure to follow their procedure is impeding our ability to make a payment. We have followed their instructions, yet they fail to respond to our request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
Potential Errors or Inconsistencies : 1. High Credit Discrepancy ( Equifax ) : Equifax is reporting a {$0.00} high credit, while TransUnion and Experian report {$480.00}. 
If the account was used and reported as open, the high credit should be consistent and reflect actual usage. 
XXXX. Date Opened Slightly Inconsistent : TransUnion lists the account opened on XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX. 
While this may seem minor, inconsistencies in account opening dates can affect credit scoring and verification. 
XXXX. Comment Field Discrepancy ( Equifax ) : Equifax includes Charge Amount in H/C column is credit limit, which might be misleading if the account is a revolving credit card, not a charge card with no pre-set limit. 
This may misclassify the account type for scoring models. 
4. Payment History Inconsistency ( TransUnion & Equifax ) : Both TransUnion and Equifax show a 30-day late mark in XX/XX/XXXX, even though the balance is {$0.00} and the status is Current. 
This is contradictory and may negatively impact your score an account can not be both current and 30 days late at the same time. 
XXXX. Inconsistent Date of Last Payment : TransUnion and Experian list it as XX/XX/XXXX, Equifax says XX/XX/XXXX. 
This should be uniform across all bureaus if the same payment was made.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-17 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I started receiving monthly late payment fees ( {$32.00} ) when I always sent my payment at the same time every month, the week before the first. I noticed them last year in XXXX and found out that the reason was legit at that time because they had raised my monthly payment due to escrow adjustment in XXXX of 2024 and I was sending the payment amount required prior to the adjustment for a few months after the change took effect. I called and spoke to XXXX customer service and had a difficult time sorting that out. But I took note of the back due amount and fees and paid them all. Then with the adjusted payments going forward I continued to get a late fee every month. I get paid on the XXXX of every month and immediately use online banking to send a check which takes XXXX days to clear. Well I called again in XXXX this year and they told me the payment is due XXXX of the month with late fee after the XXXX, so apparently my early payments are repeatedly counted as the prior month and late fees were being charged. So I paid a double payment and going forward I sent the payment after the 1st of the month, this time receiving a statement showing two late payment fees. This company has been extremely difficult to speak to over the phone taking 1 hour 30 minutes or more with 1st line and 2nd line customer service not being able to fix this or tell how to fix this. If this keeps repeating I will have to pay late fees for the remainder of the loan which is every month for many years. This is thievery by PennyMac. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: M1 Holdings Inc.
State: TX

Complaint narrative:
1 ) There was NO notice, electronically or physical correspondence, of increase of $ XXXXmonth given to your customers. 

2 ) Charging {$100.00} transfer on top of a concurrent $ XXXXmonth fees, while awaiting their multiple-week transfer out period on a FREE account is a gross over step of industry standard practices and a show of intentional greed and self-enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
XXXX repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Inquiry ( XXXX XXXX XXXX - Date Of Inquiry : XX/XX/year> XXXX - Date of Inquiry : XX/XX/year> XXXXXXXX XXXX - Date Of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights. 

The following dispute items are inaccurate and require urgent correction : Inquiry ( EX ) XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX SERVICE - Date of Inquiry : XX/XX/XXXX XXXX  XXXX AUTO FIN - Date of Inquiry : XX/XX/XXXX XXXX XXXX CREDIT XXXX XXXX XXXX of Inquiry : XX/XX/XXXX XXXX CLUB - Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reported a debt that is not mine to the three major credit bureaus which caused a major decrease in my credit scores. The debt was sold to Credence by XXXX XXXX. 

I did have an account with XXXX XXXX however, the debt is for {$68.00} and is past due as of XX/XX/XXXX. The total amount currently due is {$130.00}. 
Credence has reported a debt of {$230.00}. 

Credence also reported the account was opened XX/XX/XXXX when my actual account was opened XX/XX/XXXX. Credence also has a different account number from my acknowledged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Consumer ID : XXXX Early Warning Services, XXXX XXXX XXXX XXXX account ending in ( XXXX ) This account was fraudulently opened or used without my knowledge or authorization. I have already submitted the appropriate documents to notify you under FCRA 605B ( 15 U.S.C. 1681c-2 ), on XXXX XXXX including : A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) and/or local law enforcement. 

A copy of my government-issued ID ;, which list the correct state id number, and not the one that is reporting on the Early Warning Services report XXXX Bank Name ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ID # : XXXX ID Type : XXXX ID XXXX : XXXX Email Addresses : XXXX Dispute Date : XX/XX/XXXX Dispute Reason : CONSUMER DISPUTES RECORD WITH FURNISHER ON XX/XX/XXXX REINVESTIGATION PERIOD IS XXXX A copy of my credit report with the fraudulent item highlighted. 

Despite providing this information, you have continued to report or verify fraudulent accounts, which constitutes a willful and/or negligent violation of the FCRA. 
Under FCRA 605B, you are required to : Block the reporting of any item identified as the result of identity theft within four ( 4 ) business days of receiving appropriate documentation.

Not reinsert or verify such items unless further documentation confirms its legitimacy. 

Inform the furnisher that the information is disputed due to identity theft. 

Because you have failed to comply with these obligations, I am demanding the following immediate actions : Remove and permanently block the fraudulent account ( XXXX ) from all records and credit reporting. 
Provide written confirmation of the deletion within XXXX business days. 

Cease all collection activity If this matter is not resolved immediately, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider pursuing legal remedies including statutory damages, actual damages, and attorneys fees as permitted by the FCRA.

Attached is a copy of the reinsertion letter from Early Warning Services, that was provided through the CFPB, that shows the account was reinserted and is currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-18 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: NY

Complaint narrative:
Subject : Dispute of Erroneous Accounts Resulting from Data Breach Dear Equifax I am writing to formally dispute two unauthorized accounts on my credit report, which have arisen as a result of a data breach, specifically the Equifax Data Breach. The accounts in question are : XXXX. * * XXXX XXXX XXXX * * for {$690.00}, opened on XX/XX/year>. 
XXXX. * * XXXX XXXX XXXX * * for {$1000.00}, opened on XX/XX/year>. 

* * XXXX XXXX XXXX and XXXX XXXX XXXX Accounts : * * I never opened these accounts, nor have I consented to or acknowledged any debt with these companies. I was a victim of the Equifax Data Breach, which compromised my personal information and resulted in these fraudulent accounts. Despite requests for documentation to prove these debts are valid, none has been provided. 

For more information on the Equifax data breach, please see the settlement website : [ Equifax Data Breach Settlement ] ( XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX Violation of the Fair Credit Reporting Act ( FCRA ) These false accounts are a direct violation of the FCRA. Under 15 U.S.C. 1681a ( 2 ) ( B ), any credit transaction that fails to provide verifiable evidence, specifically involving a social security card, should be excluded from my consumer credit report.

XXXX XXXX XXXX Request for Verification and Removal I hereby request that these accounts be investigated and removed from my credit report to correct the inaccuracies resulting from identity theft and unauthorized actions without my knowledge or consent. 

Enclosed with this letter are the necessary documents that include : - A copy of my credit report highlighting these erroneous accounts. 
- Documentation from the data breach notice. 
- Any correspondence history with the creditors disputing these accounts. 

XXXX XXXX XXXX  Legal Action Notice If this issue is not addressed promptly, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, pursue legal action to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. Please confirm in writing that these accounts will be removed and provide an updated copy of my credit report. Should you need further information or clarification, feel free to contact me at the details provided above. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I recently went over my credit and notice fraudulent accounts and closed fraudulent accounts on my report Im a requesting to remove the account as following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I recently went over my credit and notice fraudulent accounts and closed fraudulent accounts on my report Im a requesting to remove the account as following. 

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 non-monetary relief