vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My mortgage company ran a escrow analysis in XXXX, in doing so they made an error in estimating my taxes for 2025 estimating my taxes for 2025 would be a total of {$5900.00} When in fact the taxes for 2025 is actually {$2900.00} This error has forced them into Raising my payment from XXXX to XXXX a payment i have made twice while trying to resolve this issue, I have reached out to them 4 times via telephone since XX/XX/scrub> 2025 Each time they told me they would have the escrow analysis reran to correct the error after explaining the mistake.

The Company has at this point still not corrected this error On the attached files the error can be located in House Escrow XXXX part 3 of page 2 COUNTY TAX i have also attached a copy of the county taxes

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 2025-07-10 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: SC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and completeness of the account reported by XXXX XXXX XXXX for XXXX XXXX, showing a balance of {$2000.00} updated on XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681s-2, you are required to conduct a reasonable investigation of my dispute. Additionally, 1681e ( b ) mandates that all information furnished must be accurate and verifiable.

I demand : Immediate deletion of this account if it can not be 100 % verified with complete documentation from the original creditor ( XXXX XXXX ). 
Copies of all records used to verify this debt, including the original signed contract, complete payment history, and any transfer or assignment documents between XXXX XXXX and XXXX XXXX XXXX. 
Failure to comply fully within 30 days is a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and may result in legal action for damages under 1681n and 1681o.

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 2025-07-10 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: MS

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 seven 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 non-monetary relief
Consumer complaint received 2025-07-10 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: Central Research Inc
State: NC

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OK

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-07-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Debt Collectors Name XXXX XXXX XXXX XXXX XXXX, OH XXXX Request for Debt Validation To Whom It May Concern, I am writing in response to your collection attempt regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed statement explaining how the amount was calculated ; Copies of any documents that show I agreed to assume this debt ; The name and address of the original creditor, if different from the current one ; Proof that you are authorized to collect this debt in my state ; A copy of the judgment, if applicable.

Please note that until you provide the requested validation, you must cease all collection activity, including reporting this debt to credit bureaus.

This is not a refusal to pay, but a request for validation. If you do not provide the above information, you must stop all efforts to collect this debt.

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 2025-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was XXXX XXXX for a period of time there are information on from everyone except XXXX I will expect XXXX but no one else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Second Formal Dispute Verified Late Payments To Whom It May Concern, This letter serves as a second formal dispute regarding inaccurate late payments listed on my credit report maintained by XXXX. Although these accounts were previously verified, I dispute the accuracy and sufficiency of the verification process, and I am demanding a full reinvestigation in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). 
Accounts in Question : 1. XXXX Account starting with : XXXX Status : Verified with multiple 30/60/90/120/150-day late notations Issue : No supporting documentation provided to validate late marks 2. XXXX XXXX XXXX XXXX  Account starting with : XXXX Status : Verified 30/60-day late entries 3. XXXX XXXX XXXX XXXX Account starting with : XXXX Status : Verified 30/60-day late entries 4. XXXX  XXXX Account starting with : XXXX, XXXX, XXXX ( Multiple accounts ) Status : Verified late payments across different dates 5. XXXX XXXX Account starting with : XXXX Status : Verified 30/60-day late entries 6. XXXXXXXX XXXX XXXX  Account starting with : XXXX Status : Verified 30/60-day late entries 7. XXXX XXXX XXXX Account starting with : XXXX Status : Verified with numerous 30/60/90-day lates 8. XXXX Account starting with : XXXX Status : Verified 30-day late 9. XXXX XXXX Account starting with : XXXX Status : Verified 30/60-day late entries 10. XXXX Account starting with : XXXX Status : Verified 30-day late 11. XXXX XXXX XXXX. 
Account starting with : XXXX Status : Verified 30-day late 12. XXXX Account starting with : XXXX Status : Verified 30-day late ________________________________________ Action Requested : In compliance with 15 U.S.C. 1681i ( a ), I formally request the following : 1. A reinvestigation of each disputed item listed above.

2. A description of the procedures used to verify each disputed account.

3. A copy of all documentation provided by the furnisher supporting their verification.

4. Immediate deletion of any entry that can not be verified through original, documented evidence.

If Experian fails to conduct a reasonable reinvestigation or continues reporting unverifiable information, I will have grounds to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Please respond within the 30-day FCRA deadline and provide an updated copy of my credit report reflecting any corrections made. 
Sincerely, 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 2025-07-10 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-10 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: TX

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-07-10 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX  - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having this negative account on my credit report has blocked all my opportunities and is causing me personal and financial harm.

This account has already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that this account belongs to me.

I have requested copies of the contracts related to this account from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing this account 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 2025-07-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a charged-off XXXX XXXX account that was reporting on my Experian credit report. The balance was {$8500.00}, and I believed it was inaccurate or unverifiable. After Experian claimed it had been verified, I submitted a formal Method of Verification request under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). In that letter, I asked Experian to provide : The name and contact info of the data furnisher A description of their verification procedures Copies of any records or documents used to confirm the accuracy Original account documents from XXXX XXXX Proof of the amount reported as charged off Experian did not respond with any of this required information. 

Separately, XXXX XXXX responded to a CFPB complaint stating they are no longer handling the account, and that it is in litigation with a third-party agency ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX Despite this, the tradeline is still being reported on my Experian file as a charged-off account with a balance. 

This appears to be a violation of several sections of the Fair Credit Reporting Act ( FCRA ), including : 1681i : Failure to reinvestigate or verify disputed information properly 609 ( a ) ( 1 ) : Failure to provide requested verification documents 607 ( b ) : Reporting inaccurate or misleading data after a dispute I am requesting that Experian delete the XXXX XXXX tradeline, or update it to reflect a {$0.00} balance and litigation status. I also request that Experian provide the documentation and details required by law under FCRA 1681i.

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 2025-07-10 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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