vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I have been receiving calls from this Wakefield and Associates and they said I owe debt to a power company that Ive never used. Apparently I called back in 2024 and they sent me a bill but I have never received a bill from them. The number is XXXX ( XXXX ) XXXX. They also used a mans name in the voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage was originated by XXXX  XXXX  XXXX  on XX/XX/year> and is currently serviced by RoundPoint Mortgage Servicing. The fully executed Promissory Note from closing shows three borrowers : myself ( XXXX XXXX ), my wife ( XXXX XXXX ), and my brother in law ( XXXX XXXX XXXX ). All three of us signed the note as borrowers. 

RoundPoint has provided inconsistent and incorrect information about our loan for several days. Multiple RoundPoint representatives told me that only two borrowers were on the loan and that my brother in law was not part of the mortgage. After four calls, RoundPoint finally acknowledged that all three of us are in fact on the loan and that all three of us had a late payment reported to the credit bureaus.

RoundPoint also had the wrong phone number on file. This prevented proper delinquency notifications from reaching us. Neither my wife nor I received any valid notice prior to the reported late payment. My brother in law did not receive any notice either. Because all three of us are borrowers, the servicer had a responsibility to notify all parties, and this did not happen.

The failure to notify us, the incorrect borrower information provided repeatedly, and the confusion inside RoundPoint created a servicing error that directly led to the negative credit reporting. The balance was paid immediately once we learned of the issue.

I am requesting that CFPB review this matter, and that RoundPoint remove or suppress the derogatory credit reporting for all borrowers because the late reporting resulted from servicing errors, incorrect borrower handling, and failure to notify all responsible parties.

I have documentation including the signed Promissory Note that confirms all three borrowers. I am attaching that with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC
State: CT

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent late payment reporting by LoanCare , LLC on my credit reports. In XX/XX/XXXX, I noticed a late payment reported on my LoanCare account from XXXX. I was a co-signer on this mortgage, and the home was sold and the account closed in XX/XX/XXXX, so the late payment being reported does not align with that timeline. In my Initial Dispute with XXXX  ( XX/XX/XXXX ), I disputed a late payment originally reported for XX/XX/XXXX ; LoanCare verified the account but changed the date to XX/XX/XXXX without explanation. In my Second Dispute ( XXXX  XX/XX/XXXX ), I requested documentation supporting the alleged late payment, and during a call with LoanCare I was told the payment history had been purged because the account has been closed for several years ; despite having no records, they again verified a XX/XX/XXXX late payment. When reviewing XXXX, I later discovered LoanCare reported a late payment for XX/XX/XXXX, even though the mortgage account was closed in XX/XX/XXXX ; this is impossible and violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). After disputing with XXXX, LoanCare verified the information again and added a XXXX late for XX/XX/XXXX that was never previously reported. Because I never had any late payments during the life of the loan, I mailed a goodwill/verification letter to LoanCare on XX/XX/XXXX ; XXXX confirmed delivery on XX/XX/XXXX ( Tracking Number : XXXX ). When I called LoanCare for an update, customer service stated I could not be transferred to the resolutions team, my request was denied, and that the reporting was accurate, yet they still can not provide documentation because the account was purged. LoanCare is reporting multiple inconsistent late payment dates across different bureaus, including dates after the account was closed. They have verified disputes without being able to provide records, changed the reported dates multiple times, reported a XXXX late payment on an account closed in XXXX, and added a XXXX late that was never previously shown.

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 2025-11-14 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: AL

Complaint narrative:
Fraudulent credit inquiries appeared on my credit reports as a result of identity theft. I did not authorize these inquiries and only discovered them when I reviewed my credit file. The unauthorized inquiries are listed below : XXXX XXXX XX/XX/2025 XXXX XX/XX/2025

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 2025-11-14 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: AL

Complaint narrative:
Fraudulent credit inquiries appeared on my credit reports as a result of identity theft. I did not authorize these inquiries and only discovered them when I reviewed my credit file. The unauthorized inquiries are listed below : XXXX XXXX XX/XX/2025 XXXX XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXXXXXX XXXX  {$720.00}. 
PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXXXXXX XXXX  {$720.00}. 
PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
I have contacted this bank last week. I dont remember the date then I called again on Monday, XXXX XXXX they forwarded me to their review department because I cant figure out why my account is blocked or under review and nobody can tell me why so I waited three business days as they suggested and I called back and Im still getting the same runaround try again next week. I cant access my funds and I cant close the account. Customer service is no help!

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 2025-11-13 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am filing this complaint because a late payment was reported on my credit account with PennyMac, which has caused a significant drop in my credit score. This reporting is inaccurate in context because I contacted PennyMac ahead of time to explain my financial situation. I followed all instructions given by their representatives keeping the company informed.

PennyMac has stated that no internal error occurred. However, their representatives failed to inform me that my late payment would be reported to credit bureaus. I was given guidance that led me to believe my credit would not be negatively affected as long as I communicated the issue. This misinformation directly caused the negative impact on my credit score. 

I have contacted PennyMac multiple times, including speaking with the complaints department, the internal dispute manager, and a supervisor. Each time, I requested that they review the call recordings to verify that I followed the instructions provided. PennyMac continues to deny an internal error and refuses to correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I'm writing to dispute an account on my consumer report that I have previously disputed before. Experian has updated the information that I previously disrupted but the information still remains inaccurate. The reporting of such inaccurate information has caused severe damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and household usage The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. I have proof shown below that this XXXX XXXX Account is not 100 % accurate. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have shown proof that this account is not accurate but Experian keeps saying it is accurate. 

5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2025-11-14 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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: MS

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-14 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: LA

Complaint narrative:
I am writing to formally notify XXXX XXXX and TransUnion that I am a victim of a data breach and I am requesting that all accounts related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act specifically, 15 USC 1681 c-2 ( a ). 
The accounts are as follows : 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 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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Incomplete Collection Account Reporting-request for Deletion Dear : XXXX I am writing to dispute the accuracy of a collection account appearing on my credit report. The account shows as a Collection but does not identify the original creditor or the collection agency responsible. Under the Fair Credit Reporting Act ( 15 U.S.C & 1681i ), all information on my report must be complete and verifiable. Because this account lacks identifying information, it can not be verified and must be deleted from my credit file immediately. Please conduct a reinvestigation and remove this unverifiable collection from my credit report. Send me written confirmation once the deletion is complete. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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 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 2025-11-13 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered the unauthorized credit inquiries on my credit report in XX/XX/year> while reviewing my credit file for accuracy. I did not authorize or apply for credit with any of the listed companies. The fraudulent inquiries occurred on the following dates : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), 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  ( XX/XX/year> XXXX XXXX These inquiries were made without my knowledge or consent. Due to the recent federal government shutdown, I was unable to obtain an official affidavit through the XXXX website at the time I discovered the activity.

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 2025-11-13 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my Personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts inal l did not authonze or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation