vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: AR

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH controlled my escrow account and failed to make a timely disbursement of the renewal premium for my XXXX XXXX homeowners insurance. The late payment caused the policy to lapse on XX/XX/XXXX. PHH received written notice on XX/XX/XXXX that the policy had expired due to non-payment, yet concealed the lapse for more than three months while continuing to service the loan as if coverage remained in effect. During this undisclosed uninsured period, my home sustained catastrophic damage on XX/XX/XXXX that rendered it uninhabitable. 

PHH issued its first notice on XX/XX/XXXX, 103 days after receiving notice of the lapse and after the loss had already occurred. On XX/XX/XXXX, PHH imposed lender-placed insurance ( LPI ) through XXXX, XXXX and backdated the policy to XX/XX/XXXX. 

Because PHH caused the lapse and failed to provide the required notices, it lacked statutory authority under RESPA and Regulation X ( 12 C.F.R. 1024.17 and 1024.37 ) to impose LPI. PHH also violated federal law by backdating the LPI by 115 days and by placing the LPI through an affiliate.

When a servicer causes an insurance lapse, Regulation X requires the servicer to restore comparable coverage at its own expense. PHH instead imposed LPI and failed to provide coverage comparable to my XXXX XXXX policy.

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 2025-12-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Transunion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Validation of Accounts Under FCRA Section 609 Dear, Transunion I am writing to formally dispute inaccuracies I have identified on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ), I am requesting the validation and verification of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX I am requesting that you provide copies of all records and documentation used to verify the accuracy of this account, including but not limited to : 1. A copy of the original signed contract or agreement between myself and the creditor.

2. Any documents proving the account is being reported accurately and legally.

If you can not provide sufficient documentation to verify this account, I respectfully request that it be permanently removed from my credit report in compliance with the FCRA.

To facilitate your investigation, I have included the following : A copy of my government-issued photo ID.

A copy of my Social Security card.

Proof of address ( e.g., a utility bill or bank statement ).

A copy of my credit report highlighting the accounts in question.

I expect a response within the 30-day timeframe as stipulated under the FCRA. Please send your findings and any relevant documentation to the address listed above. If you find any inaccurate or unverifiable information, I request its immediate removal from my credit file.

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at ( XXXX ) XXXX XXXX or XXXX. 

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 non-monetary relief
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Due to the failure of them not providing the evidence requested for their false and misleading investigation I affirm and swear that the verification process used was incomplete, unreasonable, and non compliant with 15 U.S, C section 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime has restricted my account to limited access for suspicious activity-but there is NO suspicious activity. It is XXXX XXXX and I have been purchasing XXXX presents. Now they will NOT let me access MY money or XXXX bonus Money. I need to eat, I need groceries, and food, and gas to get to work, and yet I can not access it. I have chatted online. I have made 4 separate calls to customer service and tried speaking to them. They are all foreign and I can barely understand anything they are saying. All have refused to let me speak to a manager or someone who speaks English clearly. They refuse to help me. Just keep saying I have to wait up to 48 hours until investigation is over. In the meantime I am with out money, food, or gas. And NO ONE WILL HELP ME! This is beyond frustrating and horrible customer service. I have been a CHIME customer for over 3 years and this is how I am treated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received an email from XXXX on XX/XX/XXXX stating I agreed to pay a debt of {$14000.00}. I never agreed to any kind of debt or payment of such debt. I immediately emailed XXXX that same day stating I disputed the debt in its entirety and they did not have my permission to contact me further. Today, XX/XX/XXXX, I was contacted by XXXX via phone ( named XXXX XXXX ) despite my previous dispute email and request for no further contact. Since XXXX contacted me via phone prior to sending me any and all written information they have regarding this alleged debt owed within 30 days, XXXX has violated both the TCPA and the Rosenthal Act under California law. 
Complaint description Briefly state what you would consider a reasonable resolution from the company no further contact and complete dismissal of debt due to TCPA and Rosenthal Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: 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 2025-12-16 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: MA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} COLLECTION - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Late Payments : XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Following Non-Mailing Addresses listed that below : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Accounts Listed Below : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XX/XX/XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX Remove fraudulent inquirers below : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

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 2025-12-16 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate items on my credit reports. The accounts listed below are in dispute, and I request that they be properly investigated and corrected. Please review the following accounts and inquiries that I believe do not reflect accurate information. 

CHARGED OFF : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX, Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. The information listed does not accurately reflect my current credit situation and requires investigation. 

CHARGED OFF XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX AN XXXX Inquiry Date : XX/XX/XXXX AN XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Unit XXXX XXXX XXXX  P.O Box XXXX  XXXX, PA XXXX Subject : Request for Validation of Accounts Under FCRA Section 609 Dear, XXXX I am writing to formally dispute inaccuracies I have identified on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ), I am requesting the validation and verification of the following account ( s ) : XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX- {$13000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX - {$100.00} XXXX XXXX Inquiries Account : XXXX XXXX, XXXX XXXX XXXX I am requesting that you provide copies of all records and documentation used to verify the accuracy of this account, including but not limited to : 1. A copy of the original signed contract or agreement between myself and the creditor. 
2. Any documents proving the account is being reported accurately and legally. 

If you can not provide sufficient documentation to verify this account, I respectfully request that it be permanently removed from my credit report in compliance with the FCRA. 

To facilitate your investigation, I have included the following : A copy of my government-issued photo ID. 
A copy of my Social Security card. 
Proof of address ( e.g., a utility bill or bank statement ). 
A copy of my credit report highlighting the accounts in question. 

I expect a response within the 30-day timeframe as stipulated under the FCRA. Please send your findings and any relevant documentation to the address listed above. If you find any inaccurate or unverifiable information, I request its immediate removal from my credit file. 

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at ( XXXX ) XXXX XXXX XXXX. 

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 non-monetary relief
Consumer complaint received 2025-12-16 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:
Would you please review this entry? I made it late and it might not be 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 explanation