vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report 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 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 explanation
Consumer complaint received 2025-06-02 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:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$750.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$25000.00} Other Identity Theft Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$530.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$16000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1400.00}

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 2025-06-02 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I noticed several accounts and inquiries on my credit report from XX/XX/XXXX that I did not authorize or recognize. I have no connection to them, and they do not belong to me. This is very concerning and appears to be identity theft. The fraudulent accounts showing on my report are : XXXX - Collection ( Original Creditor : XXXX XXXX XXXX ) - Opened on XX/XX/XXXX ; XXXX - Collection - Opened on XX/XX/XXXX. Additionally, the following inquiry is also part of this fraud I do not recognize it, it does not belong to me, and I did not authorize it : Equifax XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/year>

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
My stepmother had XXXX  away, and my sister needed to sell her house. My name came up on a judgment search. I called the number for XXXX and XXXX to settle an outstanding judgment. I spoke to XXXX. He told me I could settle for XXXX. He took the money out of my account on XX/XX/year>. He stated he would be sending the letter to the courthouse and this will be settled. This conversation was recorded. He said he would mail me due to my XXXX. I had forgotten about it and contacted them XXXX weeks ago. I got the runaround. They told me they dont have the case file anymore and gave me another number to a different company when I called that company they gave me the runaround again. I dont know what happened with my money. Somebody stole it. Nothing has happened to my case. Nobody can tell me where my {$5900.00} is what it was applied to all I know is XXXX, and XXXX took that money out of my account to pay that debt and they can not talk to me about it because now they dont know where the money went to. This is fraud. Somebody needs to find out what happened to all of that money and why that judgment is not settled as agreed upon the numbers I have are XXXX and XXXX XXXX ext XXXX XXXX. The new company is XXXX  XXXX. I spoke to XXXX XXXX extension XXXX. I am out XXXX. And have nothing to show for it. The conversation was recorded. Please help. This should of been settled XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Just received updated terms for bank of America credit card that states late fees will be a min of {$25.00}. This violates the 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Re : Request for Debt Validation and Assignment Case Log Dispute of Alleged Debt To Whom It May Concern, This letter is in response to a collection account you have reported to the credit bureaus, which I recently reviewed on my credit report. I am formally requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX XXXX XXXXXXXX. 

Specifically, I am requesting the following : XXXX. A complete copy of the original signed contract or agreement showing that I have a legal obligation to pay the alleged debt. 
XXXX. A full itemized accounting of the alleged debt, including the original balance, any interest or fees, and any payments made. 
XXXX. The complete assignment case log that documents the chain of custody or legal transfer of the account from the original creditor to your agency. 
XXXX. Proof of your legal authority to collect in my state, including relevant licensing documentation. 
XXXX. The name and address of the original creditor, the account number, and the date of the alleged default or charge-off. 

In reference to XXXX XXXX XXXX Portfolio Recovery Associates , LLC ( Case No. XXXX ), I am aware that courts have found debt collectors to be in violation of the FDCPA when they failed to provide sufficient documentation of the debts assignment. Therefore, I am requesting the assignment case log to determine if your agency has the legal right to collect this debt and report it to the credit bureaus. 

Until you provide the requested documentation, this debt remains in dispute and you are not permitted to continue collection efforts or report it as verified to any credit reporting agency, per XXXX ( b ) of the FDCPA. 

Please consider this a formal dispute of the alleged debt. If you are unable to validate this debt, I request that you immediately remove it from all credit reporting agencies and cease all collection activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
Im XXXX and experienced a reduction in income prior to XX/XX/XXXX. I was verbally offered a plan that lowered my payments and another plan that put my past payments at the end of my amortization. I never received full disclosure of either process including the current trial plan in which they declined due to failure to pay on time. This is unlawful, cunning and a bad lending practice. Apparently some plans have grace periods and some do not but this information was never disclosed nor did I receive any written disclosure to signed for consent or understanding. I appreciate the attempt to help but I made choices under stress to verbally agree to the assistance to keep my home. I was promised a modification by early XX/XX/XXXX but they were late reviewing my account thus allowing more months to pass that would put me out of range for any other programs. I received a letter saying that my payments would be reduced to {$1900.00} from {$2000.00} for a 3 month trial. No other disclosures were provided or signed for. I made the first 2 payments but unknowingly that there no grace period so my trial was denied in XX/XX/XXXX. It is disappointing that during the assistance process I never received any pre agreement disclosures but since I am now forcing foreclosure Im being overwhelmed with letters from Pennymac promising to foreclose on my house and I have choice but to have a short sale or deed in lieu of foreclosure. Where were all of the written disclosure during the assistance plans and trial period for a modification? This foreclosure process by Pennymac seems very intentional and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION
State: UT

Complaint narrative:
I was recently reviewing my credit report and found several issues regarding my report. I understand you are willing and able to help me investigate this account. Several of these errors are currently preventing me from accessing credit and i am requesting help in open an investigation into the report. 

The account I would like to have investigated is XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Their automated phone payment system malfunctioned and took my mortgage payments out twice on XX/XX/XXXX. Multiple phone calls to get one payment returned have been met with misinformation and lies. First I was told it would take 5 days to refund my account. When that didn't happen they said it would take till the XXXX. When it still wasn't back in my account they claimed they sent me a check which I did not receive. I finally spoke to a supervisor on XX/XX/XXXX who said they would stop payment on the check and refund the bank. Supposedly they couldn't refund the back because they didn't have my bank info, however they had it to withdraw two payments. The supervisor Even made my husband get on the phone to authorize he was okay that they make a REFUND. Today is XXXX. I called again because it still hasn't been refunded and was told they put a stop payment on the check but didn't push the refund through. I did not have the money to make two mortgage payments. This has been more than an inconvenience to me. This company lies and doesn't care what financial issues it has caused me. 

The company is NewRez Shellpoint mortgage.

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 2025-06-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
U.S DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Demand for Deletion of Student Loan Accounts Under FERPA Dear US DEPT OF EDUCATION Representative, I am writing to formally demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent.

Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I also request that you conduct an investigation into this matter and provide a written response within 30 days, as required by law. If the accounts are not removed, I demand a detailed explanation along with the specific legal grounds that permit their continued reporting.

Please consider this letter as my formal dispute of these accounts. If these accounts are not deleted, I am prepared to escalate this matter by filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other regulatory agencies as necessary.

I appreciate your immediate attention to this matter. Please confirm the deletion of the disputed accounts in writing.

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