vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint against : TSI ( Transworld Systems ) collecting and reporting a XXXX XXXX collection ( approx. {$550.00} ), anXXXX XXXX XXXX and XXXX  for reporting this account without ensuring it is properly validated. 

While preparing for a mortgage, I discovered a collection account being reported in my name by TSI for XXXX XXXX in the amount of about {$550.00}. I do not have sufficient information to confirm that this account is valid or that I am legally responsible for it.

I sent a written dispute and validation request to TSI. In that letter I specifically requested : A copy of the original service application/contract ; The service address and dates of service; Any signature or electronic authorization allegedly made by me ; An itemized breakdown of the balance ; Evidence that TSI has the legal right to collect and report this debt. 

TSI has not provided the requested documentation. Despite this, they continue to report the collection to XXXX XXXX, and XXXX as if it is a fully verified and undisputed debt. 

If TSI is operating as a debt collector, this raises concerns under the Fair Debt Collection Practices Act ( FDCPA ), including their obligation to provide verification and pause collection activity after a written dispute ( 15 U.S.C. 1692g ). By failing to validate but continuing to report and collect, they may be attempting to collect an unverified debt and furnishing potentially inaccurate information. 

XXXX, XXXX, and XXXX  are also involved because they are publishing this collection account without ensuring maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and without requiring proper validation from the furnisher. I am concerned that they are accepting TSIs reporting without adequate review, despite my disputes and the absence of proper validation. 

This situation is causing direct harm : It is negatively impacting my credit scores during an active home loan process. 

It may affect my ability to qualify or may cause higher interest rates.

I have spent time and effort trying to get documentation and correct my reports with no meaningful response. 

I am not refusing to resolve any legitimate obligation. I am asking that this account either be proven with proper documentation or removed so that inaccurate or unverified information does not interfere with my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
The online payment portal for Planet Home Lending is frequently inoperable, and does not work correctly. To wit : On XX/XX/year>, I scheduled a payment to Planet Home Lending for my XX/XX/year> mortgage payment. On XX/XX/year>, I logged into my account and saw that the status of the payment was " past due '', and had been for " XXXX  day. '' I had forgotten that I had scheduled that payment because it DID NOT SHOW UP in the online portal as scheduled. 

So, not wanting to be late on my payment, I immediately made a payment ( because I did not realize the payment was pending because XX/XX/year>, was a Saturday. ) When I made that payment, their system DID NOT INFORM ME that I had ALREADY SCHEDULED a payment, and gladly and happily took my money AGAIN... which is, I am sure, precisely why it is designed that way. 

Of course, this resulted in a DOUBLE PAYMENT to the account. When I discovered that a DOUBLE PAYMENT had been made, I contacted Planet Home Lending to reverse the second one. They informed me that I needed to give them a copy of my bank statement ( which made no sense... they could clearly see a double payment had been made. ) Nevertheless, I complied, and on XX/XX/year>, I sent them a redacted screenshot showing the double payment was processing, to their customer service e-mail " XXXX. '' On XX/XX/year>, I contacted Planet Home Lending to check on the status of the reversal of the double payment, and was THEN informed that the statement needed to show that the payment had POSTED for XXXX BUSINESS DAYS before they could accept it ... information that I was not given on XX/XX/XXXX. 

So, I AGAIN sent them a redacted bank statement showing the POSTED double payment. However, because I redacted information from the statement showing the running account balance, which is none of their GD business, they REFUSED to reverse the obvious second payment, thereby fraudulently withholding a DOUBLE PAYMENT. 

Planet Home Lending is a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I never apply for Blloomingdales/Citibank credit I do not anything about it. 
I became aware of it when I check my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
School loans are reported inaccurate causing a major credit decrease and ruining my livelihood.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the following account listed on my Experian credit report : Charged Off Account ( s ) : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00}. 
I respectfully request verification of this account and its reported balance. I believe there may be inaccuracies in the account information being reported to Experian, which should be investigated and corrected.

Inquiries : EXPERIAN XXXX XXXX - Date Opened : XXXX XXXX - Date Opened : XX/XX/XXXX I believe these inquiries may not have been authorized or accurately recorded. I request that they be verified or removed as they may be erroneous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I am disputing the following accounts and inquiries, as they are inaccurately reported on my credit reports. Please investigate and correct the discrepancies as required by the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/year> I went to the XXXX XXXX branch to make a withdrawn from my business account in the form of a XXXX check and XXXX in cash. I presented my bank card and they asked for my ID ( normally they don't ask for additional Id ), and they sent a code to my phone for verification. Everything was verified. Then they said because of the amount their policy was to ask why I wanted to withdraw my own money. I told them if was personal and they wanted me to elaborate more. I refused and I was told by the Manager I could not withdraw the money in my account. I asked for my ID back and left the bank when outside to my car and called customer service. Talked with Supervisor XXXX, she got in touch with the bank and told me that it was their policy to ask why I wanted to withdraw my own money. I ask if that was a written policy because I never saw it written and was told there was no written policy in effect and it was up the each bank sole discretion to ask for that information. I was given a escalation file # XXXX. To be honest I took their action as a act of discrimination, the manager was XXXX   and I am a XXXX man with a business account being asked why I wanted my own money. I left there and went to the XXXX XXXX branch where there is a manager of XXXX where I am familiar, and made the transaction without being felt like I was a XXXX XXXX. I doubt if I were XXXX  I would of had to go through this and the fly by night verbal policy. The management staff at that bank is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NM

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX XXXX XXXX unauthorized charges totaling over XXXX dollars was fraudulently accessed. I've been accused of being responsible for {$3900.00} of the total. I've requested evidence of proof of those accusations, which have been ignored. My credit has suffered. Bill payment to my creditors is constantly delayed and on several occasions I'm being charged late fees. I'm asking for proof of accusation, which I'm entitled too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper Loan Servicing company has been calling me and harassing me in the last couple of years for monthly payments that were not due in that time frame of the call. I have called and talked with Supervisors on this topic and asked why I am being harassed about my date of payment when I am still within the grace period pf payments. I am not delinquent in monthly payments as I tried to explain it to the loan associate on the call. He was very addiment on assisting that I do not have until the XXXX for a grace period. I have asked him several times to end the call, that I do not need anyone to call me in reference to my due date or payment grace period. I haven't received a late payment in months because I make my payments. This is not the first time Mr. Cooper associates have Harassed me over several months after I have called and ask supervisors to handle this issue. I have also spoken to associates to take my information from their refinancing call listings as well. I am still receiving those calls and being harassed for no reason as i am not delinquent in any format to this loan company. This occurrence has been going on for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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