vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: IA

Complaint narrative:
According to15 USC 1692c you have violated my rights in lawful communications. Please remove this collections off my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Dispute Statement for CFPB Complaint I am submitting this formal dispute regarding the recent data breach and the resulting exposure of my personal information by your company. My sensitive consumer information was compromised through no fault of my own. This breach has subjected me to potential fraud, identity theft, and lasting harm. 

Your company has failed in its duty to safeguard consumer data and to maintain compliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of consumer reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures.

Fair Credit Data Reporting Act ( FCDRA ) Mandates the responsible handling and protection of consumer data, which has clearly been violated. 

Metro 2 Compliance Standards As a data furnisher, you are required to ensure accurate, timely, and complete reporting. Continuing to report accounts after a known breach exposes consumers to further harm and violates industry compliance requirements.

As a direct result of this breach, I demand permanent deletion of all negative information that is inaccurate, unverifiable, or harmful on my consumer file. This includes, but is not limited to : All collections All hard inquiries All late payments All charge-offs Any and all inaccuracies tied to my personal information This demand is made pursuant to my rights under the FCRA, the FCDRA, and CFPB enforcement authority . Correction is not acceptable deletion is the only remedy, as the breach demonstrates you can not guarantee accuracy or protect the integrity of my data. 

Additionally, I am requesting full documentation of every party with whom my data has been shared since the breach, as required under federal law. Failure to comply will constitute continued willful non-compliance and will be reported to federal regulators, class-action attorneys, and oversight agencies. 

I expect immediate investigation, written confirmation of permanent deletion of all disputed items, and assurance that my consumer file will be maintained in strict compliance with all federal laws and Metro 2 standards moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Dispute Statement for CFPB Complaint I am submitting this formal dispute regarding the recent data breach and the resulting exposure of my personal information by your company. My sensitive consumer information was compromised through no fault of my own. This breach has subjected me to potential fraud, identity theft, and lasting harm. 

Your company has failed in its duty to safeguard consumer data and to maintain compliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of consumer reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures.

Fair Credit Data Reporting Act ( FCDRA ) Mandates the responsible handling and protection of consumer data, which has clearly been violated. 

Metro 2 Compliance Standards As a data furnisher, you are required to ensure accurate, timely, and complete reporting. Continuing to report accounts after a known breach exposes consumers to further harm and violates industry compliance requirements.

As a direct result of this breach, I demand permanent deletion of all negative information that is inaccurate, unverifiable, or harmful on my consumer file. This includes, but is not limited to : All collections All hard inquiries All late payments All charge-offs Any and all inaccuracies tied to my personal information This demand is made pursuant to my rights under the FCRA, the FCDRA, and CFPB enforcement authority . Correction is not acceptable deletion is the only remedy, as the breach demonstrates you can not guarantee accuracy or protect the integrity of my data. 

Additionally, I am requesting full documentation of every party with whom my data has been shared since the breach, as required under federal law. Failure to comply will constitute continued willful non-compliance and will be reported to federal regulators, class-action attorneys, and oversight agencies. 

I expect immediate investigation, written confirmation of permanent deletion of all disputed items, and assurance that my consumer file will be maintained in strict compliance with all federal laws and Metro 2 standards moving forward.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights. They have not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recently placed a collection on my consumer report. 

I am requesting that this violation be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My card was repeatedly charged for a credit card that was no longer open. They told me to dispute the charge I completed all paper work then they closed the dispute against me and did not give meMy money back. 

This was for a total of XXXX from XXXX XXXX. It was numerous transactions and Chase ruled the dispute against me. 

Any dispute i file, they rule against me and do not ever help me to get my money back. 

It is always a battle and numerous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 ( A ) ( 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.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 ( A ) ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: MA

Complaint narrative:
I received a collection report on my XXXX XXXX 
Which we do, which reduced my score. The debt is not mine. I was never informed of the debt. I was never informed of the debt being put into your collection agency. I have no idea what it is. I'd like you to inform me to send me the information I sent you an email. If you refuse to give all the information requested we will go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and unlawful items currently being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Items : Address XXXX XXXX, XXXX, MI XXXX This address is not accurate and does not belong to my residency history. It is being reported without proper verification and is causing harm to my credit profile. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Reported : {$3600.00} Status : Charge-off This account is being reported inaccurately. The balance, status, and reporting practices are inconsistent with my records and federal guidelines. Additionally, the account was included in my bankruptcy proceedings, which makes the continued reporting of a charge-off inaccurate and misleading. 

Bankruptcy Reporting Reference # : XXXX Court : U.S. Bankruptcy Court While the bankruptcy filing is noted, certain accounts ( including XXXX XXXXXXXX ) that were discharged are still being reported as open, delinquent, or charged off. This is a direct violation of FCRA Section 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. 

Unauthorized XXXX XXXXXXXX XXXX Date : XX/XX/XXXX This inquiry was not authorized by me. Under FCRA, no entity has the right to access my credit file without permissible purpose. This inquiry must be removed immediately. 

Legal Violations : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy of reported information. 

FCRA Section 611 : Failure to properly investigate disputes. 

FCRA Section 604 : Unauthorized access to my credit file. 

Requested Resolution : Immediate removal of the inaccurate address ( XXXX XXXX, XXXX, MI XXXX ). 

Deletion or correction of the XXXX XXXX account # XXXX to reflect bankruptcy discharge status, not as an open charge-off. 

Proper updating of bankruptcy reporting to ensure all discharged accounts are accurately reflected. 

Removal of the unauthorized XXXX XXXX inquiry dated XX/XX/XXXX. 

Written confirmation of corrections within 30 days, as required under the FCRA.

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 2025-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FCI Lender Services Inc.
State: GA

Complaint narrative:
they are attempting to foreclose on my home with fraudulent robo signed assignments that were created after the cut off date of the this trust that is claiming ownership off. the trust was created solely for the purpose of foreclosing on my home. FCI LENDER SERVICES , INC. was sent 2 QWR which they have not responded to.They were sent a Notice of Default on the 1st QWR .FCI LENDER SERVICES , INC is guilty of Dual Tracking. They were conversing with me about loan modification and reviewing my documents mortgage assistance simultaneously they referred my loan to XXXX XXXX XXXX XXXX with instructions to foreclose on my property .This is clearly Dual Tracking. i have asked for the Gap accounting 3 times and still have not received it. i have requested that my the Power Attorney that gave the company that I ORIGINATED my loan with not be transferred to any other company. please see the attachments.

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 2025-09-21 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and misleading items being reported on my credit file by XXXX XXXX XXXX, XXXX XXXX, and the credit reporting agencies. These inaccuracies are causing significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The disputed items are as follows : Incorrect/Unverified Addresses XXXX XXXXXXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are not associated with me and should not be reported on my credit file. 

XXXX XXXX Bank Charge-Off Account # : XXXX Date Opened : XX/XX/XXXX Reported High Credit : {$740.00} This account is being reported inaccurately as a charge-off. I dispute the accuracy and completeness of this reporting. 

XXXX XXXX Charge-Off Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3600.00} This account is also being reported as a charge-off. I dispute the accuracy and completeness of this reporting. 

Bankruptcy Reporting Bankruptcy Reference # : XXXX Court : U.S. Bankruptcy Court This public record is being reported in a way that is inaccurate and misleading. I request full validation and verification, including the method by which the credit bureaus obtained and verified this information. 

My Rights Under FCRA The FCRA requires that all items on my credit report be accurate, complete, and verifiable. 

Any unverifiable or inaccurate items must be deleted immediately ( 15 U.S.C. 1681i ). 

Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance. 

Requested Resolution : Delete the inaccurate addresses from my credit file. 

Investigate and delete/rectify the XXXX XXXX XXXX  charge-off account if it can not be fully verified. 

Investigate and delete/rectify the XXXX XXXX charge-off account if it can not be fully verified. 

Provide validation and verification of the bankruptcy reporting. If unverifiable, it must be deleted immediately.

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 2025-09-21 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: NC

Complaint narrative:
I have made continuous reports about the identity theft on my account for several opened accounts. I asked that XXXX XXXX  and all opened credit card and accounts be removed from all 3 beaures. Upon checking, I see some accounts have REMARK codes which I didnt ask for. These companies have still failed to do so. Equifax did work with me in most cases!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, Please see the attached PDF for my formal complaint against Bank of America regarding their mishandling of a fraud claim, breach of their {$0.00} liability policy, and failure to conduct a full investigation. 

I respectfully request that the CFPB review this matter and take appropriate action to ensure my claim is resolved fairly and that Bank of America is held accountable. 

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 monetary relief
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Trying to collect more than owed. False advertising failing to provide proof of ownership. Action is account needs removed and deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Complaint Against Freedom Mortgage Corporation Loan No. : XXXX Property Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX In XX/XX/year>, I completed a hardship assistance request with Freedom Mortgage. A notary came to my home, I signed and notarized the required documents, and I was told the documents were received. 
On XX/XX/year>, however, an unknown and unprofessional-looking person came to my door unannounced, claiming to represent Freedom Mortgage. They left a letter stating that my notarized documents had not been received and warning that my account would remain in default and normal collection activities could resume. This is incorrect and conflicts with both my records and Freedom Mortgages prior approval of me under the COVID-19 Recovery Standalone Partial Claim. 
I have serious concerns about : Contradictory information : Freedom Mortgage previously confirmed receipt of my documents, yet the letter says the opposite. 
Unannounced visit by an unverified person : I had no way of knowing if they were actually a representative. 
Threat of default and credit harm : The letter suggests I am at risk even though I complied. 
Legal Concerns : Under RESPA ( 12 U.S.C. 2605 ), servicers must maintain accurate records and provide clear communication. Contradictory messages may violate these obligations. 
If the visitor was a third-party contractor, their conduct may also violate the FDCPA ( 15 U.S.C. 1692 ) by misrepresenting the status of my loan. 
The conflicting and misleading communications may also qualify as unfair or deceptive practices ( UDAP ).

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
hello. i tried reaching out by phone call but i was unable to reach the help i needed. i am having trouble making payments because its complicated and even using this credit card now that youve closed all my huntington bank accounts. i dont think you typically allow people to get your credit cards without being a banking customer to which you revoked all my access and closed my accounts. so with that being said making payments is too complicated with an external bank account in your lackluster banking app so i have realized i do not want to bank with you ever again and have decided that you shall close my huntington secured credit card account immediately. there is a full balance on the credit card which i expect you to report as a {$0.00} balance to credit bureaus as the security deposit will cover the entire card balance. so i am asking that you close the huntington secured credit card and pay off the entire balance with my security deposit. thanks.

Company response to consumer: Closed with non-monetary relief