vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: NV

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
This is my follow-up correspondence regarding my previous dispute requesting the deletion of an unverified collection account being reported on my credit file. To date, I have not received adequate verification or documentation from the reporting party or the data furnisher confirming the validity of this debt. The continued reporting of this unverified information violates federal law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under FCPA 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using any false or misleading representation in connection with the collection or reporting of a debt. Additionally, FDCPA 809 ( 15 U.S.C. 1692g ) requires full validation of any alleged debt upon request before further collection or reporting activity can occur. Since this validation has not been provided, the furnisher and credit bureau are in violation of federal compliance obligations.

Moreover, FCRA 605B ( 15 U.S.C. 1681c-2 ) mandates that any item of information which can not be verified, or which results from inaccurate, incomplete, or fraudulent data, must be blocked and permanently deleted from a consumers credit file once disputed.

Collection Account in Question : XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$7900.00} * * This account remains unverified. Neither the credit bureau nor the furnisher has provided original documentation, account statements, or proof of ownership establishing this debt as valid. Reporting this unverifiable collection violates the FCRA, FDCPA, and FCPA.

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 2025-10-25 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-25 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received received XXXX from XXXX  and I been using XXXX  for a long time account verified and everything and they decided to take my money and freeze my account it says the money is still there but I cant use it I just want my money back and they wont tell me how they keep telling me to call back next XXXX hours Im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I was unaware of any bills until they had already reached collections. I have XXXX which should have covered all my medical expenses. I contacted the source that sold my debt to collections and they were able to clear my account of any debts via their website. However, the collection agency XXXX XXXX XXXX XXXX XXXX ) has refused to clear the debts and have denied any disputes I have attempted to make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX XX/XX/XXXX Phone : XXXX | Email : XXXX To : Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate and Obsolete Personal Information under FCRA 609 ( c ) ( 1 ) ( A ), 607 ( b ), and 611 Dear Equifax Dispute Department , I am writing to formally dispute and request the removal of inaccurate and obsolete personal identifying information currently listed in my credit file. Under FCRA 609 ( c ) ( 1 ) ( A ), I have the right to ensure that my credit report contains only accurate and verifiable personal identifiers. Furthermore, FCRA 607 ( b ) requires consumer reporting agencies to maintain the utmost accuracy and avoid duplicative or misleading entries.

I do not recognize or reside at several of the addresses currently shown in my credit file, and I request their immediate deletion.

Incorrect / Obsolete Information to Remove : Name Variations : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect / Previous Addresses : - 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 Incorrect / Outdated Employers : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Reflect : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX Date of Birth : XX/XX/XXXX Current Employer : XXXX XXXX XXXX. 

Under FCRA 611, please conduct a reasonable reinvestigation and remove or correct all unverified, obsolete, or inaccurate personal information. I do not wish to have mail or any personal information directed to addresses that are not mine.

Please send me an updated copy of my corrected credit report once this investigation is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year> after using my Debit Card @ the XXXX XXXX. As I attempted to board the Train was card was declined and thankfully the cashier let me get on @ XXXX XXXX. However I contacted PNC Bank Fraud Department to find out exactly of what was going on. The customer service representative was very disoriented sounding as if she just woke up. Then once she became more alert she then asked me for verification after the fact that I was already verified in your system. However she stated that my Debit Card was put on a hold due to an XXXX XXXX XXXX. Excuse me but this has been going on for over 2 years. And here in America we have the liberty of not being harassed and stalked by PNC Bank. To whom uses foreigners from third world countries as customer service representatives to whom are not monitored with low pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
This has been ongoing for the entire year!

1. INsurance company has one policy that covers two properties.

2. Roundpoint is unable to split the cost on the policy.

3. Results in over charging escrow by over {$600.00} per month!

4. Insurance dept at Roundpoint says to remove escrow but Roundpointn denied my request to request removal of escrow.

5. Holding excess payment without crediting the funds to anything.

6. No interest is being paid on the excess.

7. Charged late fee because the excess payment was not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new bank account with the company and I was asked if I wanted to apply for credit card that I would get approved, but the banker made a mistake on my socials and my account was temporarily suspended with my access restricted and I got a mail to come with my correct socials which I did, and I saw two inquiries on my credit which I disputed. I have also since closed my account with them because I didnt like their customer service. And the mistake cost me access to my funds. 
The sticky points are 1. How can my credit get hit and pulled up with a wrong socials. 
2. I wasnt asked the second time out if I wanted to apply for a credit card after providing my socials to remove restrictions for the account. 
Under this circumstance Im not supposed to have them on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report. The accounts ) listed below do not belong to me and appear to be the result of identity theft or unauthorized use of my personal information. Fraudulent Account Information : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that you conduct a full investigation into these accounts. Since they are fraudulent, they must be removed or corrected immediately. I have included documentation to support my claim, including : A copy of my government-issued ID Proof of address ( e.g., recent utility bill or bank statement ) A copy of my FT Identity Theft Report or Police Report Under FCRA 605B, you are required to block fraudulent information from my credit report within 4 business days after receiving this notice and proof of identity theft. Furthermore, under FDCPA 807 and 809, any debt collector reporting this debt is prohibited from using deceptive means to collect or verify a debt that is not valid. I formally demand the following : That the fraudulent accounts ) listed above be immediately removed from my credit report. That you provide written confirmation of the results of your investigation within 30 days as required by law. That you forward all corrected reports to any creditors or entities that have receive my report in the past six months ( or two years for employment purposes ), as required by FCRA 611 ( d ). Please confirm receipt of this letter and investigation commencement. Failure to comply with these obligations will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This complaint is a follow-up to my previous CFPB case # XXXX against Santander XXXX  USA. Although the company provided a response, major issues remain unresolved and require further investigation. 

I purchased my vehicle in XX/XX/year> and made consistent, on-time payments until the COVID-19 pandemic. During the pandemic, Santander offered a payment modification plan and assured me that the reduced payments would not negatively affect my account. However, that proved untrue. The modification resulted in excessive interest accrual, causing the balance to increase rather than decrease.

The payment history provided by Santander shows that most payments were applied primarily to interest rather than principal, even before the modification. As a result, the balance has barely decreased despite years of payments. Additionally, the payment for XX/XX/year> is missing from their transaction breakdown, raising concerns about inaccurate recordkeeping and payment misapplication.

I am requesting that the CFPB require Santander to : Provide a corrected, itemized payment history that includes all payments since XX/XX/year>, including the missing XX/XX/year> payment ; Recalculate the loan balance to properly credit payments and adjust for excessive interest applied during and after the modification period ; and Apply any available refunds from GAP or warranty contracts directly to the principal balance.

Supporting documents include Santanders response and the payment history showing these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT , INC - XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> PROCOLLECT CLAIMS THEY ON THIS ACCOUNT BUT THEY ARE REPORTING THIS FRAUDULENT ACCOUNT. IF THEY ARE NOT WHO I CONTACT ABOUT THIS FRAUDULENT ACCOUNT

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 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
XXXX XXXX  has had unifin collections call me daily and multiple times a day. I have even asked them to please stop calling and they have continued. My debt was sold to XXXX and then sold to another collector unifin. I have attached two photos. One with the original account showing its been sold off twice and the second is a phone call with voice mail that happened after I had asked them to stop calling me. Which was on XX/XX/25

Company response to consumer: Closed with explanation