vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: OK

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
American Credit Acceptance ( ACA ) has failed to resolve my original concerns and to prove that they are legally able to collect this debt and that this is not aggravated identity theft. Specifically : 1. No proof of assignment : ACA has still not provided a copy of the legal assignment contract from XXXX XXXX XXXX XXXX, as required under 15 U.S.C. 1692g and UCC 9-210. Internal documents and welcome letters do not satisfy the requirement to demonstrate legal standing or ownership of the debt. 

2. No original application or contract : ACA claims that an application was submitted through the original creditor but has not provided a copy of this application or any contract bearing my signature, which is necessary to verify the existence and terms of any alleged obligation. 

3. Failure to properly validate debt : The so-called debt validation letter dated XX/XX/year>, only recites ACAs own records. It does not include the original creditor 's documentation or the chain of title showing ACAs lawful right to collect or enforce the alleged debt. 

4. Consumer rights under FDCPA and UCC : Until ACA provides the original signed contract and a verifiable, unredacted assignment agreement from XXXX, any attempt to collect or report this account constitutes a violation of 1692g ( b ) Failure to Properly Validate Debt Upon Request, 1692e False, Deceptive, or Misleading Representations, 1692f Unfair or Unconscionable Means to Collect a Debt, 1692c ( c ) Failure to Honor Cease and Desist, 1692e ( 8 ) Communicating Credit Information Known to Be False, and UCC Article 9. 

For the record, I reaffirm my cease-and-desist directive and request that ACA cease all non-legally required communications unless and until full validation is properly supplied. Any further collection or credit reporting without proper substantiation will be documented as continued harm and potential violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I wire transferred {$1000.00} to a bank in XXXX. 
It was clear that a {$45.00} was going to be charged to me. ( I did not worry because my wife and I have a lucky status that those fees were going to be reversed. 
But for other fees the amount was {$0.00} Only after the wire was received that the recipient told me that his bank discounted {$25.00} but that my bak also discounted another {$47.00}. 
I have spent to many hours at the Branch and on the phone. 
I think it is time that if the Bureau still exists ( and I hope it does ) that I get YOUR help to find out why was I not disclosed that {$47.00} extra were going to be taken from " us '' .I would have found another way to get this {$1000.00}. to XXXX. 
Much obliged 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Filed my complaint with all the 3 main credit reporting agencies, XXXX, Experian, and XXXX. The main concern was IDENTITY THEFT. I asked for an investigation into the matter on XX/XX/year>. I ALSO requested a copy of my credit report to investigate the damages myself. To date I have not received a copy of the reports, nor did I receive any letter of an investigation done from either company. thru my own investigation, I noticed multiple discrepancies on all three reports. Inaccurate information, fraudulent-accounts, and paid off accounts are on my reports. This is unacceptable! Here are some fraudulent reporting accounts : XXXX : XXXX misrepresentation. ( 623 ) ( A ) ( I ) ( B ) this account been paid off and settled. 
XXXX XXXX XXXX  Willful NON-Compliance, reporting inaccurate information ( 616 ) Charged OFF account. {$1600.00} US CODE permissible purpose of consumer report. I never received a late payment notice Under Identity theft, I should have been made aware of obscure transaction on that account. late payments can not be accessed on charge off accounts. 
This card was never used after XXXX XXXXXXXX XXXX XXXXXXXX allowed someone to charge the card after I reported it loss/stolen/identity theft. XXXX charged the card without my knowledge. i was never contacted by XXXX XXXX. i will never pay that debt. how can someone charge $ XXXX on a {$250.00} max card that was closed? 
XXXX XXXX XXXX XXXX fraudulent misrepresentation ( 623 ) ( a ) ( i ) ( B ) I Never conducted business with this company IDENTITY THEFT US CODE {$1600.00} B, CHARGE OFF ACCOUNT MUST BE DELETED. I REFUSE TO PAY THIS DEBT. RICHMAN vs EQUIFAX case file.

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 2025-05-05 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: DC

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In XXXX of XXXX we changed insurance providers. We submitted the updated insurance documents to Pennymac. The policy name at that time was in only my wife 's name. We were contacted by Pennymac in XXXX of XXXX that both our names needed to appear on the home owners insurance. We contacted XXXX to add my name, to the policy. In order to do so, XXXX had to cancel our old policy and create a new one. In XXXX of XXXX we canceled our old policy with XXXX and was replaced by a new policy with homesite, with zero lapse in coverage. In XXXX of XXXX we were notified by Pennymac that our mortgage payment would be increasing by {$460.00} due to a lapse of insurance from XX/XX/XXXX to XX/XX/XXXX. We have spent more time calling and talking with different representatives from Pennymac to have our money refunded to us because there was never a lapse in insurance. At time of this writing, XXXX of XXXX, Pennymac only brought down our payment by {$200.00}. We have also asked for our Escrow to be removed and that my wife and I pay our insurance and taxes on our own. Considering in XXXX of XXXX, we paid off our insurance in full because of this situation and Pennymac continued to overcharge us in our mortgage payment monthly. We have been very patient through this process and now have paid over {$3600.00} extra to Pennymac, that's not including the fact that they are still holding our taxes and insurance in escrow. Pennymac claims the house equity is too low, hence the reason for not removing the escrow account. This is also a lie, the house was purchased in XXXX, it's in XXXX XXXX, CA and we are not in XXXX. XXXX XXXXXXXX XXXX overall market has increased dramatically in value. The outstanding mortgage is less than 30 % of the outstanding value of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unaware of these inquiries, and they appear to be unauthorized and possibly fraudulent. Please take prompt action to resolve this issue. Relevant documents are attached for your review.

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 2025-05-05 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-05 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
All three credit bureausTransUnion, XXXX and XXXXare reporting a late payment on my DEPT OF EDXXXX XXXX XXXX loan account ( Account No. XXXX ) with a balance of {$25000.00}. This account is federally managed, and any delays or deferments related to administrative processing, pandemic relief ( e.g., CARES Act ), or forbearance periods should not be reflected as delinquent. Given the numerous delays, pauses, and updates related to federal student loan servicing in recent years, it is highly probable that this late payment was reported in error or without fully considering the updated federal policy guidelines. Reporting a past due status during a federally protected period violates 15 USC 1666b, which governs the fair reporting of payment timing and the right to dispute billing errors. Moreover, continuing to reflect derogatory information on a {$0.00} past due balance without contextual accuracy is deeply misleading.

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 2025-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing in response to the recent determination regarding the credit reporting dispute I submitted. I appreciate your attention to my concerns ; however, I must respectfully disagree with the conclusion that the information in question is accurate. The disputed item remains incorrect, and I believe that either the credit bureau or furnisher did not conduct a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates a reasonable reinvestigation of disputed information. To clarify, Bank Of America, " the account in question was paid, yet it is still reported as unpaid or delinquent with inaccuate infomation across all 3 credit agengies. I previously submitted supporting documentation, including report downloaded from credit monitoring account, and, correspondence with the credit bureaus etc., but it appears this evidence was not properly considered. I respectfully request that the CFPB reopen the investigation or require the credit reporting agency and data furnisher to provide verifiable documentation substantiating their claim that the information is accurate. If they can not do so, the inaccurate information should be corrected or removed as required by law. Please let me know if you need any additional documents or clarification from my side to assist in resolving this matter

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 2025-05-05 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing in response to the recent determination regarding the credit reporting dispute I submitted. I appreciate your attention to my concerns ; however, I must respectfully disagree with the conclusion that the information in question is accurate. The disputed item remains incorrect, and I believe that either the credit bureau or furnisher did not conduct a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates a reasonable reinvestigation of disputed information. To clarifXXXX XXXX XXXX XXXXXXXX, " the account in question was paid, yet it is still reported as unpaid or delinquent with inaccuate infomation across all XXXX credit agengies. I previously submitted supporting documentation, including report downloaded from credit monitoring account, and, correspondence with the credit bureaus etc., but it appears this evidence was not properly considered. I respectfully request that the CFPB reopen the investigation or require the credit reporting agency and data furnisher to provide verifiable documentation substantiating their claim that the information is accurate. If they can not do so, the inaccurate information should be corrected or removed as required by law. Please let me know if you need any additional documents or clarification from my side to assist in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
To Whom It May Concern, I am writing in regarding an alleged debt. This is a formal notice that I am requesting a validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. to have a proper Reinvestigation made on this account.

Be advised that I am requesting the following information on All charge offs reporting on my credit report.

1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including : The amount of the original debt, All interest, fees, and charges added, A full accounting of payments and credits applied.

3. A copy of the original signed agreement or contract that created the debt and shows my obligation to pay.

4. Proof that your company is authorized to collect this debt in my state and that you have the legal right to do so.

5. A copy of your companys license or registration number in my state ( if applicable ).

6. Proof that the Statute of Limitations on this debt has not expired.

Until you provide the requested documentation, I demand that you : Cease all collection activities, including phone calls and letters, Immediately remove it if already reported, Refrain from selling or transferring this debt to another agency.

If you can not validate this debt, you must delete it from my credit report and cease all collection efforts. Please respond in writing only to the address listed above. 

This is not a refusal to pay but a request for validation. I am fully aware of my rights under the FDCPA and will report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office

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 2025-05-05 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: CA

Complaint narrative:
To Whom It May Concern, I am writing in regarding an alleged debt. This is a formal notice that I am requesting a validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. to have a proper Reinvestigation made on this account.

Be advised that I am requesting the following information on All charge offs reporting on my credit report.

1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including : The amount of the original debt, All interest, fees, and charges added, A full accounting of payments and credits applied.

3. A copy of the original signed agreement or contract that created the debt and shows my obligation to pay.

4. Proof that your company is authorized to collect this debt in my state and that you have the legal right to do so.

5. A copy of your companys license or registration number in my state ( if applicable ).

6. Proof that the Statute of Limitations on this debt has not expired.

Until you provide the requested documentation, I demand that you : Cease all collection activities, including phone calls and letters, Immediately remove it if already reported, Refrain from selling or transferring this debt to another agency.

If you can not validate this debt, you must delete it from my credit report and cease all collection efforts. Please respond in writing only to the address listed above. 

This is not a refusal to pay but a request for validation. I am fully aware of my rights under the FDCPA and will report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office

Company response to consumer: Closed with explanation