vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servatus Corporation
State: AL

Complaint narrative:
Credit Solutions Corp is attempting to collect and report a debt originally from XXXX XXXX. I was never notified of this debt in writing, and they failed to provide any documentation or legal validation, which violates the FDCPA ( 15 USC 1692g ( a ) ). 

More importantly, the original account included a contract clause stating that in the event of termination or job loss, the debt would be settled or forgiven. This clause was triggered, and XXXX removed the account based on this condition. 

Despite this, Credit Solutions Corp is still reporting the debt to XXXX without validating it or acknowledging the contract clause. This is a violation of the FCRA ( 1681s-2 ( b ) ), and I am requesting immediate deletion of the account from all credit bureaus and full cessation of any collection attempts. 

I am also requesting written confirmation that this account is closed, zeroed out, and will not be re-reported.

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 2025-04-02 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I filed a dispute on all XXXX XXXX XXXX due to inaccuracies. I did not have a balance because my account was in forbearance and deferment. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company accepting unreliable information, failure to notify consumers, er results. This aligns directly with my situation. Experian has not attempted to remove, nor correct the inaccurate information. I am requesting that this incorrect, derogatory remark be removed immediately as this is affecting my chances on getting a home. Experian violated my rights as a consumer as well as federal laws.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute on all XXXX XXXX XXXX due to inaccuracies. I did not have a balance because my account was in forbearance and deferment. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company accepting unreliable information, failure to notify consumers, er results. This aligns directly with my situation. Experian has not attempted to remove, nor correct the inaccurate information. I am requesting that this incorrect, derogatory remark be removed immediately as this is affecting my chances on getting a home. Experian violated my rights as a consumer as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I bought a dispute through XXXX because there was a dead being reported on my account twice one was for a credit card I didnt have and then another one was for the company. I guess who allegedly bought the fraudulent credit card information I am aware of the open investigations on the multiple credit bureaus and it was madeclear that my information was stolen or used and abused through these data leaks. Im just finding out about them, so I was not able to file an actual claim through the settlement issue, but I am tired of having a battle my way through these little stupid things that are being open and Im obviously reporting and theyre being reported incorrectly because theyre fraudulent and nothing being done LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX That is one of the accounts I disputed with XXXX and XXXX I have no idea who it is. Its not even to the address that I have. I asked for the account number I didnt receive it. I asked for the original documents that I signed, stating that I would go into a contract with them, didnt receive it. These little things are really stopping me from getting a house and its the most annoying thing in the world if theyre not gon na report at 100 % accuracy or if they are not gon na follow through with things that are said or fraudulent, they should not be able to report at all. You guys are too busy letting robots run through these files instead of a human that is actually analyzing the situation correctly. Its getting sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

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 2025-04-02 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: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 2025-04-02 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I called Experian twice trying to dispute a record which had resulted in a premium increase on my auto insurance from XXXX. I was unable to get through to a real person ; a bot told me to file the dispute online and hung up on me. I then tried to file the dispute online and was directed to call a phone number to complete my dispute. I called the number and was placed on hold for almost an hour at which point I gave up. 

I've tried to resolve the issue through both Experian and XXXX and can't get anywhere with either of them, leading me to file formal complaints.

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 2025-04-02 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: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
The original creditor was XXXX XXXX They are reporting from XXXX XXXX and the other company that it's not paid and I did pay it and I have the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

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 explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I called into PennyMac, my mortgage company, to help work out a plan for repayment. I was between jobs and looking to work something out. This was in XXXX, XXXX. 

The person on the phone told me I could go into forbearance, which as he described " would allow me to pay XXXX less a month during a 6-month period, and the missing money would be tacked onto the end of the loan-term and I wouldn't end up owing the missing amount all at once at the end of the forbearance period. '' In XXXX, my Escrow analysis came through and required us to bump our payment by about {$400.00}, so for four of the months the missing amount was closer to {$1400.00} for the term. 

It turns out, this is exactly the opposite of how forbearance works, so the representative on the phone gave me misleading information. 

This was in XXXX of XXXX, with the plan taking place from XXXX, XXXX to XX/XX/XXXX. The mortgage is held by XXXX XXXX and they require a meeting to take place as the loan comes off forbearance to work out exact repayment details. This meeting was never scheduled, and Pennymac failed to get a hold of us. We received no emails, no alerts to messages or documents within the system alerting us of a request to schedule a meeting, and they claim they tried to call us but they never successfully connected with us by phone, nor left us a message. 

In early XXXX, they reported us as 60 days delinquent on our mortgage, despite the fact that according to the rep on the phone, I had done my part of the forbearance plan. This made our credit score drop by over XXXX points, and when we called in to complain about the credit history, and the plan, the reps on the phone continuously shifted the blame to us, despite the fact that they really gave us no warning this is how the plan was working, what our status was, or a plan to repay before immediately sending us into delinquency. We received two letters in the mail, dated the exact same day, one congratulating us for leaving the forbearance plan, and the next letter telling us they were officially starting the foreclosure process on us. 

After doing research online, we found some online community forums where a lot of other Pennymac customers had a similar experience, found the mortgage servicer to be incredibly difficult to work with, and ended up filing a complaint through the CFPB and having the credit score blemish removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-04-02 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$200.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
Subject : Complaint Against XXXX Credit Card for Account Closure and Incorrect Fees Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX Credit Card regarding the closure of my account and the incorrect fees that have been applied. 

On XXXX, I made a payment of {$460.00} toward my XXXX credit card bill. However, after a few days, I noticed that my account had not been updated, so I contacted the company for clarification. I was informed that my account had been closed due to being late and exceeding the credit limit. 

I find this situation troubling for several reasons : 1. According to the representative I spoke with, I had exceeded my credit protection limit of {$53.00}. However, when I reviewed my statements, it clearly shows that I had only used {$22.00} of my credit limit.

2. XXXX added several fees to my account, including {$30.00} for a late fee, {$32.00} for an overage fee, and {$6.00} for a credit protection fee. These fees have been incorrectly charged, as I was not over the credit limit based on the actual usage reflected in my statement. 
3. This was the first time I was ever late on my account. Given my history with this company, I find it unfair that they decided to close my account under these circumstances. 

I request that the CFPB investigate this matter and help me resolve the issue of the incorrect charges, as well as the closure of my account without justification. 

Thank you for your time and assistance in addressing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief