vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I am disputing the following information that appears on my XXXX  and Transunion credit report. 

Creditor : DPT EDXXXX I am requesting that these incorrectly reported items be correctly reported or deleted from my consumer credit report. 

Violation of FERPA and violation of 15 USC 1681

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 2025-04-15 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: NY

Complaint narrative:
I am disputing the following information that appears on my Experian and Transunion credit report. 

Creditor : DPT EDXXXX I am requesting that these incorrectly reported items be correctly reported or deleted from my consumer credit report. 

Violation of FERPA and violation of 15 USC 1681

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 2025-04-15 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: NY

Complaint narrative:
I am disputing the following information that appears on my Experian and Transunion credit report. 

Creditor : DPT EDXXXX I am requesting that these incorrectly reported items be correctly reported or deleted from my consumer credit report. 

Violation of FERPA and violation of 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Midwest Loan Services, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX At the time of mortgage, it was said PMI was charged till the down reached to 20 % of the purchase price. 

Midwest Loan Services charged till the principal amount reached to 22 % Upon checking it was said that if you would have called us than it will be stopped on 20 % else it will continue till 22 % Per month PMI = {$29.00} Extra PMI charged in XXXX {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Identified GAAP Violations : 1. Improper Charge-Off Classification ( GAAP & FCRA ) : If this account has been charged off, GAAP mandates that it must reflect a {$0.00} balance on your books. Your response did not clarify whether the debt was charged off or sold, nor did it confirm the current balance reported to CRAs. Continued reporting of a non-zero balance post-charge-off violates GAAPs requirement for accurate financial representation.

2. Risk of Double-Reporting ( 15 U.S.C. 1681s-2 ( b ) ) : If this debt was sold or transferred to a third party, PNC must cease reporting it as an active obligation. Failure to update the balance to {$0.00} creates duplication on my credit report, harming my creditworthiness and violating the FCRAs prohibition against furnishing inaccurate information.

3.Failure to Provide Verification ( GAAP Principle of Prudence ) : Your letter asserts the accuracy of your reporting but omits essential documentation ( e.g., charge-off date, transaction history, or proof of debt ownership ). GAAP requires that only * * legally enforceable and verifiable debts be reported. Your refusal to provide this evidence raises concerns about compliance with both GAAP and the FCRAs requirement for a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO closed my credit card account with an {$8000.00} credit limit without notice and refuses to provide a reason. I did not violate any terms, miss payments, or engage in misuse. I also had {$2.00} in unredeemed rewards which they refuse to issue.

I am in the middle of a mortgage approval process. The sudden credit closure is affecting my credit profile and may disqualify me from closing on a home. I have asked BMO for written confirmation that this closure is not due to misconduct and will not be reported negatively, but they refused. 

I am requesting : 1. Written confirmation that this account closure was not related to fraud or customer misconduct 2. A letter confirming that BMO will not report anything negative to credit bureaus, XXXX XXXX XXXX XXXX XXXX. Immediate redemption of the {$2.00} in earned rewards, since I can't cash out or earn more rewards after my account was closed. 
4.This situation is urgent due to the potential collapse of a pending mortgage. I am seeking immediate regulatory assistance. 
I attempted to speak calmly with XXXX ( ID XXXX ), but she was dismissive and demonstrated a lack of basic human empathy. I was simply requesting essential information that could have resolved the matter swiftly and respectfully. However, her unwillingness to show compassion or understanding during an already frustrating situation made it clear that she was not acting in good faith. Her conduct left me with no recourse but to file this formal complaint. I let her know, and I am letting you all know that under the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ), financial institutions are legally obligated to ensure that any information furnished to credit reporting agencies is accurate, complete, and not misleading. Reporting an account as negatively closed without justification, factual basis, or notice to the consumer may constitute a violation of this federal statute.

If BMO chooses to report this closure in a way that implies customer misconduct or delinquency, despite refusing to provide any explanation or evidence of such conduct, it would not only be unethical but is also unlawful. I have a right under the Fair Credit Reporting Act to dispute any such reporting, and I will fully pursue that right should this matter not be resolved.

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 2025-04-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-15 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: AR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX sold my account to a securitization trust, receiving monetary value from the transaction, yet continues to demand payments from me as if the obligation remains with them. This is accounting fraud. Under ASC 860, once an account is sold and derecognized, the originator is no longer entitled to collect or represent the asset as theirs. XXXX  has not only retained the benefit of the sale but is continuing to act as if no transfer occurred, violating the Truth in Lending Act and Fair Credit Reporting Act in the process. They must disclose who now owns the account, report the status as settled and closed, and cease all further collection efforts. I request that CFPB require a full accounting audit and enforce consumer protections accordingly.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have documents supporting me completing my monthly payments, and my credit score just took a major hit because they are claiming that I missed 3 payments in a row. 

I have my bank statements and proof of my consistent monthly payments

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 2025-04-15 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Early Warning Services , LLC Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Subject : Unauthorized Access and Use of My Financial Information Without Consent FCRA Violation To Whom It May Concern, I am contacting you regarding the unauthorized access, use, or reporting of my financial information by Early Warning Services. After reviewing my records, I discovered that your agency is reporting or has obtained data related to my banking activity without my knowledge or explicit consent. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer reporting agency may only access or share consumer information for specific permissible purposes, such as with the consumers authorization, in response to a court order, or for a legitimate business need initiated by the consumer. I have not initiated any such transaction, nor have I provided any institution authorization to share my personal or financial data with your organization. 

Therefore, I demand the following actions be taken immediately : 1. Conduct a full investigation into how my information was obtained and/or shared.

2. Provide a full consumer disclosure of all information EWS has on file about me.

3. Identify the party or parties that provided or accessed this information.

4. Remove any unauthorized data from your system and confirm in writing.

5. Cease and desist from any further access or dissemination of my information without proper legal authorization. 

Please treat this as a formal dispute and request for reinvestigation in accordance with 15 U.S. Code 1681i. I am also requesting a full copy of my consumer report as allowed under 15 U.S. Code 1681g.

Enclosed you will find a copy of my ID and proof of address to verify my identity. I expect a written response within 30 days.

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and any other appropriate regulatory authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am filing a complaint against Velocity Investments , LLC for initiating a debt collection lawsuit in XXXX XXXX, Florida under Case No. XXXX that was later voluntarily dismissed without prejudice. Despite filing the lawsuit, the company never contacted me directly, and I only learned of the case through third-party legal mailers offering services. 

Velocity Investments falsely claimed service had been attempted at my residence by a process server, but that attempt was fabricated. No one ever came to my residence, and no conversation with any individual took place as claimed in the service affidavit. This is not just an FDCPA violationit is a direct abuse of court process. 

I was never properly served, and had I not investigated further on my own, I would have been unaware of the lawsuit entirely. 

The case was ultimately dismissed without prejudice, confirming there was no valid basis to sue, yet this lawsuit caused me distress and reputational harm, and could have resulted in a default judgment due to their false affidavit of service. 

This conduct by Velocity Investments , LLC and/or their agents is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits false, deceptive, and misleading representations in the collection of debtsincluding misrepresenting legal processes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This dispute is in regard to my Equifax account that displays multiple negative accounts on my credit report that are either outdated incorrect or illegally handled. As far as the charge off accounts including XXXX XXXX XXXX  XXXX and XXXX XXXX  XXXX these accounts were closed and written off without my knowledge. the account XXXX and XXXX XXXX XXXX is a illigiamate collections account that does not belong on my report. Due to codes 15 usc 1692c, 15 usc 1692g b, and 15 u.S code 1681eb have been violated. There are unexplained additional charges and no information regarding the transfer and validation of debt was given to me. Experian Equifax and Transunion all have different information regarding these accounts so i insist a though investigation takes place between all XXXX major credit bureaus. Last dispute i submitted was not thoroughly investigated and dismissed with no explanation. Remove all illegitimate outdated and illegal accounts off my credit report until you can prove no violations were broken and these debts are valid. Equifax is in violation of 15 usc 1635, 15 usc 1692g, 168 e b, and 15 USC 1691 N. therefore i will like all Falsey negative accounts removed from my account till a proper investigation is conducted and Equifax can prove they havent violated the Cfpb FCRA and cft guidelines in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MO

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief