vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Data breach, is the message I received from TransUnion, Experian, Equifax. According to 15 usc 1681e there are procedures that must be followed by the credit reporting companies.

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I settled and paid my account. I have the receipt. Portfolio Recovery changed the balance but it does not show the XXXX balance like my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of a refund request with Concora Credit in connection with my Indigo Mastercard account. 

On XX/XX/year>, I contacted Concora Credit by phone and submitted a refund request in the amount of {$550.00} due to a duplicate payment I made to my account ( Case # XXXX ). Since then, I have made repeated attempts to obtain confirmation and resolution : XX/XX/year> I called Concora Credit to follow up on my refund request. 

XX/XX/year> I followed up again, this time by phone and then followed up with an email, requesting confirmation. 

XX/XX/year> I sent another email due to the continued lack of response. 


Despite these efforts, Concora Credit has failed to provide me with any written acknowledgment or confirmation of my request. When I specifically asked for written confirmation, they refused to provide it, leaving me without an official record of their handling of the matter. 

Even more concerning, my account continues to show a negative balance, which clearly indicates that the refund has not been processed. At this point, it is well beyond the 7 business days that refund requests are required to be processed following my initial request on XX/XX/XXXX. 

Additionally, Concora Credit has informed me that a refund will only be issued by paper check and may take up to 45 days. I believe this is an unreasonably long timeframe and inconsistent with federal consumer protection requirements. This delay, coupled with their refusal to provide written confirmation, has caused unnecessary financial stress and left me without clear documentation of their actions. 

I respectfully request that the CFPB investigate this matter and ensure that Concora Credit promptly issues my refund and provides proper documentation of the transaction. I also ask that you review their refund handling and communication practices, as consumers should not be denied timely processing or written confirmation of their financial transactions. 

Thank you for your attention to this matter. Please let me know if you require any additional documentation or details. 
Below I included the emails I have sent as well as all the call logs from when I have called them Which I would also like to add you have to call multiple times half the time as the lines drop and are busy. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. 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 15 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 explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. 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 15 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-29 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION 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  In accordance with the fair credit reporting act, has violated my rights.

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.

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 2025-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAND HOME FINANCIAL SERVICES
State: IL

Complaint narrative:
After being approved for, and receiving a payment supplement from the US Department of Housing and Urban Development ( HUD ), due to being behind on payments on an FHA-insured mortgage, I decided to sell my property. During the process, I learned that I needed to request a payoff statement from HUD, because those loans needed to be paid back upon selling. I requested and received that information with no problem. 

Upon receipt, I learned that two of my three loans could be paid directly to HUD, but the most recent payment supplement amount owed has to be determined by the mortgage company, XXXX ( Land Home Financial Services. After nearly 15 calls, speaking to multiple departments, and emailing a department ( Research Dept ) that no one can call, my request has yet to be satisfied. The property was officially sold on XX/XX/year>, and funds are still being held by the title company. Land Home Financial Services has not been able to produce a statement and has not yet returned the funds to HUD, even after I signed a document to voluntarily terminate them. 

I am requesting a payoff statement for these funds. The total amount of the loan was {$11000.00}. From that total, {$5100.00} was applied to a previous balance. The remaining {$6100.00} should have been placed into a Payment Supplement Account, managed by my mortgage servicer, which is what the loan documentation states. Those funds should have been disbursed monthly over the next 36 months. I sold the property after only utilizing those funds for 4 months. 

XXXX in the Loss Mitigation department advised me in XXXX that there was XXXX in the Payment Supplement account. Those funds should have been, or should be returned to HUD because I voluntarily terminated them, and confirmed receipt of that document. I was advised to email the Research department for the request of the statement, and I did so on XX/XX/XXXX. ( Attached ), I have yet to receive an email back. I spoke with XXXX in Customer Service and with a supervisor named XXXX XX/XX/year>, who explained that she was escalating my issue to management. I was advised that I would receive a call within 24-48 hours. My call has not been returned. 

The property is sold, and the mortgage has been paid off. Land Home Financial Services needs to provide a statement and return unused funds to HUD, so they can provide an updated statement with the true amount owed reflected.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-09-29 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: DISCOVER BANK
State: MO

Complaint narrative:
I have gone through filing Missouri AG complaints, FTC complaints, a XXXX XXXX XXXX XXXX XXXX XXXX to obtain a police report, as well as, making multiple phone calls, sending multiple faxes, emailing multiple letters and physically mailing multiple letters. 
I experienced fraud on my credit account, which I reported when I identified it through the above various methods. The company determined it was not fraud, but has provided me no evidence or explanation. Every time I try to re-open the case, Im told I need to provide new evidence, but no one can tell me outside of what Ive already provided what I need to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint because multiple collection accounts have been reported on my credit reports by Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. None of these accounts have ever been properly validated, and I believe they are being reported unlawfully and inaccurately. 

I have never received the required written validation notices under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). These companies have not provided original contracts, account statements, or proof that they have the legal right to collect on these accounts. Despite this, they continue to report negative information to the credit bureaus, which is damaging my credit and causing me harm.

Violations FDCPA ( 15 U.S.C. 1692g ) Collectors are required to provide written validation within five days of initial contact. I have not received any such validation for these accounts.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ), 1681i ) The FCRA requires information furnished to the credit bureaus to be accurate and verifiable. Since no verification has been provided, these entries are inaccurate and misleading. 

When a consumer disputes an account, the furnisher must conduct a reasonable investigation. Continuing to report unverifiable accounts violates the FCRA.

CFPB Regulation F ( 12 C.F.R. Part 1006 ) Debt collectors are prohibited from reporting accounts to the credit bureaus before providing validation. These companies have reported and are continuing to report without meeting this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report without providing proper validation, chain of title, or legal documentation proving their right to collect this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to ensure the maximum possible accuracy of all reported information. Additionally, 15 U.S.C. 1681i mandates that disputed information must be promptly reinvestigated and deleted or corrected if found to be inaccurate, unverifiable, or fraudulent. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, further requires debt collectors to validate debts and provide documentation such as the original contract or chain of title upon request. 

I demand that all inaccurate, unverifiable, and unvalidated information be deleted from my credit report immediately. Failure to comply will compel me to initiate legal action for violations of my rights under the FCRA and FDCPA, with potential claims for statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Take this matter seriously and act without delay to remedy your reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I settled and paid my account. I have the receipt. XXXX XXXX changed the balance but it does not show the XXXX balance like my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A couple of months ago, I tried to make a purchase with my card. The company called me to verify the transaction, and I confirmed it was me. However, they still declined the transaction and blocked my card. 

They told me I needed to provide proof of my identity and asked for a copy of my drivers license and either a bank statement or a utility bill. I sent them my drivers license and a XXXX  XXXX XXXX statement, but they denied the bank statement. Then I provided my insurance bill and an XXXX bill. They rejected those as well because my last name is long and the utility company does not display it in full. They said they only go by what appears in the credit bureau records, so even though the bill had my account number and address, they still denied it. 

They insisted on a gas bill, but I do not have gas service and explained that to them. Then they asked for a water bill. I sent them a copy, but the water company blocks access to protect account holders. If they had called, the water company would have confirmed the account belongs to me. The water bill is under my husband and me, as shown on the property deed, but they still refused to accept iteven though it has my full name, my address, and is an official utility bill. 

At this point, I no longer even want the credit card. My account has a {$30000.00} limit with a XXXX balance. What I do want, however, is the annual credit I am entitled to and the reward points I legally earned after meeting their spending requirements. 

When I asked about this, they told me they can not give it to meeven though it is my right. It has now been months, and each time they contact me, they request more and more documents. I have already provided every legal document they have asked for, and there is nothing else I can give them.

Company response to consumer: Closed with explanation