vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
In XXXX of last year, a XXXX XXXX  XXXX employee, XXXX XXXX, in XXXX XXXX, PA opened an on-line banking account in my name, to facilitate the replacement of a lost credit card. ( She actually took it upon herself to create my User ID and password, which I thought was irregular. ) In the process, and unbeknownst to me, she eliminated paper billing statements AND failed to establish electronic alerts. In addition, unlike my other credit card account, no automatic payments were set up. In other words, she changed everything, without informing me. As a result, after a few months passed, I had accumulated an unpaid balance, but was not notified of the obligation, only informed by the bank four days after the XX/XX/2025 due date, via an automated phone call. In contacting customer service, I realized what XXXX had done, without my consent ; I immediately paid my bill and activated electronic notifications. Still, XXXX XXXX XXXXXXXX indicated they had reduced my credit line from {$12000.00} to approximately {$2000.00}, and reported the delinquency to Transunion, causing my credit score to plummet XXXX points. 

I placed several calls to the bank and they quickly and fully restored my credit line ( see attached ) and were confident the late payment would be reversed, but added the rating issue would procedurally take several months to fix, and counseled patience. In XXXX, I received a letter ( attached ) saying that they 'considered the issue resolved '' but without an explanation. I called the XXXX XXXX branch and spoke to the manager, XXXX XXXX, who said the Bank had sent me a delinquency letter prior to the final due date and they believed I had overlooked it. I explained that I had a perfect 20+ year credit history and had certainly not received such a notice. I asked for a copy and to date have not received it. None of this, of course, would have taken place except I was unilaterally signed up for electronic banking and not made aware that statements had been terminated, creating a very serious and stressful credit issue for me. It is not correct and inconsistent with the bank 's otherwise satisfactory service level. Finally, I spoke to FICO today ( XXXX ) and they strongly recommended I file a complaint with the CFB.

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 2025-06-04 00:00:00
Product: Mortgage — FHA 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: Freedom Mortgage Company
State: IL

Complaint narrative:
I was told by multiple reps, I had to pay X amount of money to be eligable to be qualified for partial claim. Over 3 reps later, I still can not get a number after paying what said reps said. I got hung up on the last time I called by " XXXX '' which I was hung up on because I improperly assumed a mans voice was a man and when I said " dude '' they got offended and I got hung up on. I know a few people that have typically female names that are males. I was discrimated upon and got hung up on due to over the phone going by a gender smh. I want this escalated because I not only genuinley get ruled out I got hung up on without resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian is currently reporting a previous address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX with a date of XX/XX/year>. This is inaccurate and outdated. The only correct and current address that should appear on my credit report is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Reporting incorrect or outdated addresses causes confusion, undermines the accuracy of my credit report, and can negatively affect decisions made by lenders and other entities reviewing my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies have a responsibility to ensure that all personal identifying information they publish is accurate and up to date. By failing to remove or correct outdated addresses, Experian is violating this obligation and continuing to furnish inaccurate personal data.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. $ 1681i ( a ), I am requesting a reinvestigation of the following item : Account Information : Creditor Name : [ LVNV FUNDING LLC ) Account Number : [ Account Number ] Description of Inaccuracy : [ {$10000.00} ] I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy. 
I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ). you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a police report and did an identity theft report and sent to Experian XXXX times. They keep improperly reinserting an account that was included in the police report. Acct. XXXX XXXX XXXX XXXX XXXX. They keep putting the same inaccurate information reappear on their consumer report without explanation. This is a violation of the FCRAs 15 USC 1681 IA1, 15 USC 1681 IA6B3 AND 15 USC 1681 IA5B

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 2025-06-04 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: TX

Complaint narrative:
According to 15 USC 1692C You have violated my rights by unlawful communication. Please remove this collection from my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Experian is inaccurately reporting two late payments ( XX/XX/year> and XX/XX/year> ) on my closed and fully paid auto account. These entries are incorrect and do not reflect my actual payment history. I have disputed this directly with Experian, and they have failed to provide verifiable documentation to support their reporting. 

Additionally, XXXX is reporting the same account with all payments marked on time, which proves the inconsistency and further suggests Experian is in error. I have attached evidence, including a screenshot of Experians reported payment history. 

This inaccurate reporting is negatively impacting my credit profile, and Experians failure to correct it is a violation of the Fair Credit Reporting Act. I am requesting CFPB assistance to have these errors permanently updated to paid on time from my report.

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 2025-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I opened saving account with Barclays Bank and I am not able to access my account. I called Barclays Customer Service Rep and they are not able to help me out and I am not able to access my account. Barclay bank rep transfer to Barclay Banking Anylsis and not able to help me out. I dont know what can I do now.

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 2025-06-05 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : CAINE WEINER Original Creditor : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this complaint regarding a secured credit card account reported under my name by SELF Financial / Lead Bank with a credit limit of {$870.00}.

This account does not belong to me, and I have never opened or authorized any secured credit card or account with SELF Financial or Lead Bank. I believe this may be due to an error or identity theft. I discovered this account while reviewing my credit report and was shocked to see it listed under my name.

I am requesting the following : 1. Immediate investigation and validation of this account by SELF Financial / Lead Bank, 2. All supporting documentation, including any application with my signature, 3. A full account history and any records showing usage, payments, or correspondence, 4. Removal of this account from all credit reporting agencies if it can not be verified as legitimately mine. 
Until this matter is resolved and proper documentation is provided, I request that the account be deleted from my credit report and that no collection efforts be made. 
This inaccurate reporting is causing harm to my credit and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asking the CFPB to assist with resolving this issue quickly and fairly. 
Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX failed to complete my previous Debt Validation request as per 15 USC 1692g, and instead made an unverified statement, alleging that the original creditor, Capital One, N.A. sold XXXX XXXX XXXX the alleged debt relating to the Master Card credit card account ending in XXXX. 

XXXX XXXX XXXX therefore has continued to commit fraud by reporting invalidated information to all three of the major credit reporting agencies, including XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XXXX  XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XXXX  XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Several companies accessed my credit report without authorization, harming both my credit and score. Despite prior assurances from your representative, these unauthorized inquiries remain. Their continued presence is alarming, raises concerns of identity theft, and is causing ongoing emotional and financial stress. Immediate action is required to resolve this.

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 2025-06-05 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: LA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX BANK XXXX XXXX Balance {$2900.00} 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NM

Complaint narrative:
XXXX XXXX XXXX sent me a settlement plan agreement XX/XX/XXXX. I paid the Extended Lump Sum Settlement Plan amount via my bank on XX/XX/XXXX of {$10000.00}. They are still reporting my debt as unpaid to the credit bureaus and when I contacted them today they demanded an additional {$100.00} to report the account correctly. They have never sent anything acknowledging receipt of my payment, and have said because I never " accepted '' a settlement plan and therefor they didn't apply it. This is a deceptive practice as cashing my check is acceptance of the settlement offer, and I was unable to send a paper with the electronic check that my bank sent. They also say that the check was cashed on XX/XX/XXXX and therefore was late although they can't tell me the post mark on the check or wether it arrived electronically earlier and they just decided to hold onto it until the settlement offer that expired on XX/XX/XXXX had passed. XXXX XXXX XXXXXXXX refuses to put any of this in writing and also refuses to send my payment back as requested since it is not being used to fulfill the settlement agreement that was agreed to.

Company response to consumer: Closed with non-monetary relief