vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hi, I have issues with removing my private mortgage insurance ( PMI ). My loan documents state that the PMI should have been removed XX/XX/XXXX if I request it. I made a request on XX/XX/XXXX to remove it. The loan document also states that the PMI should be removed automatically XX/XX/XXXX. Today is XX/XX/XXXX and I still have not had it removed. 

I have made many requests ( eleven total ) and they keep declining. They say i don't meet the 70 % metric and they are requiring i pay {$750.00} for an appraisal. 

Please help me recoup my payments from XX/XX/XXXX to today. The monthly payment is {$110.00}. 

I have made all of my payments on time.

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 2025-04-30 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-30 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: WA

Complaint narrative:
I sent XXXX Verified letters to Transunion & Equiax Requesting that all accounts that were linked to identity theft be removed from my report included XXXX report with dispute letter XXXX additional times. Transunion XXXX Equifax validated the debt with no additional proof this has to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete this account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IN

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 2025-04-30 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against LVNV Funding LLC - Inaccurate Collection Reporting To Whom It May Concern, I am writing to formally file a complaint against LVNV Funding LLC regarding inaccurate and misleading information being reported to Experian. 
The account in question is listed under LVNV Funding LLC with the original creditor noted as XXXX XXXX XXXX This debt buyer claims a collection balance of {$1200.00} with a status date updated as of XX/XX/XXXX and an original opening date of XX/XX/XXXX. 
As of XX/XX/XXXX, the account is marked as a collection account with a past due amount of {$1200.00}. 
However, I have previously disputed this account, as noted on the credit report, and believe that it is being reported inaccurately in violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically : - The accuracy of the debt amount and dates appears questionable. 
- The continued reporting of disputed information without proper investigation is a violation of FCRA Section 611. 
- This negative item is severely impacting my credit profile. 
I respectfully request the CFPB to investigate this matter and ensure that LVNV Funding LLC is held accountable for any violations of federal credit reporting standards. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the following inquiries and addresses from my credit file as soon as possible. I do not recognize them and they are hindering my ability to obtain credit. 

Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included XXXX Documents as proof of identity.

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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: OH

Complaint narrative:
Complaint Against XXXX and JPay : Permanent Account Flag Without Appeal Preventing Family Communication and Support To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX and its subsidiary, XXXX, regarding an unresolved issue that has unjustly resulted in the permanent flagging of my incarcerated brothers account, preventing our family from financially supporting him and maintaining regular communication. 

The issue began when my XXXX XXXX, who has XXXX, inadvertently closed a checking account that had been used to make a {$100.00} payment to my brothers JPay account. As soon as we became aware of this mistake, both my mother and grandmother repaid the amount in full via XXXX, in good faith and with the intention of resolving the issue promptly. 

Despite this, JPay and XXXX have refused to credit the repaid funds to my brothers account, and worse, they have permanently flagged his account. This flag has made it impossible for us to deposit funds to his commissary or prison tablet, and we are unable to even purchase " stamps '' to communicate with him via the XXXX  app. 

We were informed that the account is flagged " forever '' with no opportunity to appeal, which we find both unreasonable and unethical, especially considering the circumstances of the initial issue and the prompt repayment. This decision effectively cuts off all electronic communication and financial support for our loved one, which is devastating not only to him but to us as a family trying to stay connected during his incarceration.

I am requesting that the Consumer Protection Bureau ( or relevant authority ) investigate this matter and require XXXX and JPay to : Lift the permanent flag on my brothers account or provide a clear and reasonable appeals process ; Credit the repaid {$100.00} to his account ; Restore our ability to purchase stamps and send funds to his XXXX and Jpay account through the usual methods; Review their policy regarding account flags, particularly for vulnerable users and extenuating circumstances like cognitive impairments and immediate repayment. 

This situation has caused our family undue emotional and financial distress, and we are seeking a resolution that allows us to continue supporting our brother in a humane and fair manner. 

Thank you for your attention to this urgent and important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Full Explanation for CFPB Complaint Submission I am filing this complaint against Radius Global Solutions LLC and the credit reporting agencies for repeatedly allowing the same inaccurate and unverified debt from XXXX to be reported on my credit file under different collection agencies for over four years. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This alleged debt is not mine. The phone number associated with the debt was never used by me and was only part of a promotional offer from XXXX that I did not activate or authorize for use. Despite my disputes, XXXX and the collection agencies have never provided : A signed contract or agreement in my name. 
Call logs or usage history for the phone number they claim I owe for. 
A chain of assignment proving that the debt was sold to or legally transferred to the current collection agency. 
In XXXX, I submitted a similar complaint to the CFPB, and the debt was ultimately removed after review. My credit score increased by XXXX points as a result of the deletion. However, I just received a new collection letter dated XX/XX/XXXX from Radius Global Solutions for the exact same debt that was already removed. This shows a pattern of abuse, where the debt is simply recycled and sold to different collection agencies who attempt to report it again and again. 

I am now being forced to relive the same issue all over again after spending years disputing and correcting this information. This has become a form of harassment and negligent reporting. The practice of re-reporting unverifiable debt under different agencies is predatory and needs to stop. 

What I Am Requesting : Immediate investigation into Radius Global Solutions reporting practices. 
Full deletion of this debt from my credit reports across all credit bureaus ( Experian, Equifax, TransUnion ). 
A permanent block preventing this debt from reappearing in the future under any collection agency, as it has already been disputed and found unverified. 
Regulatory action to prevent XXXX  and its collection partners from continuing this cycle of inaccurate reporting. 
I am attaching : A photo of the most recent collection letter from Radius Global Solutions. 
A summary of my previous disputes. 
Identification to verify my identity. 
This has caused significant emotional and financial distress, and I am requesting immediate and permanent resolution.

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 2025-04-30 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-30 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because I have sent multiple written requests to TransUnion, Experian, and Equifax asking them to remove inaccurate personal information from my credit reports. Despite my repeated efforts, the incorrect information, such as outdated addresses, name variations, and other personal identifiers remains on my file. 

This information is not only inaccurate, but it may also be contributing to mixed file issues or impacting the accuracy of my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures that ensure the maximum possible accuracy of the information they report. The continued presence of incorrect personal data suggests that these obligations are not being met.

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 2025-05-01 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: LA

Complaint narrative:
I am submitting this complaint because I have sent multiple written requests to TransUnion, Experian, and Equifax asking them to remove inaccurate personal information from my credit reports. Despite my repeated efforts, the incorrect information, such as outdated addresses, name variations, and other personal identifiers remains on my file. 

This information is not only inaccurate, but it may also be contributing to mixed file issues or impacting the accuracy of my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures that ensure the maximum possible accuracy of the information they report. The continued presence of incorrect personal data suggests that these obligations are not being met.

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 2025-04-30 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 am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. S1681i which mandates a reasonable investigation of disputes. Furthermore Eqifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that action is taken an these inaccuracies are removed. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. XXXX XXXX LATE PAYMENTS ( XX/XX/year> ) ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$2900.00} past due as of XXXX XXXX. 

XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$8200.00}

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 2025-04-30 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:
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$2900.00} past due as of XXXX XXXX. 

XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$8200.00}

Company response to consumer: Closed with non-monetary relief