vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
16inquiries These lenders have accessed your credit file XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Abrahamsen Gindin LLC
State: NJ

Complaint narrative:
XX/XX/year> VALIDATION AND CEASE AND DESIST Dear : FOSTER & GARBUS LLP I received a debt collection communication from you where you advise that you are debt collectors and anything I say will be used to collect the debt. I am told that is called a mini-Miranda warning that is required to be on a debt collection letter. I am seeking validation on this debt you claim I owe {$940.00}. Do you have the right person? I need you to validate the debt and prove I owe the debt to you. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR OR YOU AND PROOF MY SPECIFIC DEBT WAS ASSIGNED TO YOUR CURRENT CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit, I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have permissible purpose to contact my credit. I dispute this. debt to you and you should not be reporting this disputed account to one or more credit reporting agencies, including XXXX XXXX and XXXX. As this debt is formally disputed, your continued reporting of this unverified information is a serious issue under the Fair Credit Reporting Act ( FCRA ).

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute that I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Therefore, I demand that you immediately notify XXXX XXXXn, and XXXX  that this account is formally disputed. I further demand that you cease all collection activities, including any further credit reporting, until you have provided me with the complete and satisfactory validation demanded above. 
Please be advised that I am documenting all communications. If you fail to validate this debt as required by law yet continue collection efforts or adverse credit reporting, I will not hesitate to seek all available legal remedies under the FDCPA and FCRA. 
Thank you for your immediate cooperation. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
So I got a mortgage with Village capital, I was put on deferred payments while going through the process of a short sale. They approved everything, the short sale was approved, and the house was sold. I got a letter from the county and from Village capital saying that the account was closed and paid in full and satisfied. They also told me that during the deferment period, And subsequently the short sale period, no payments would show up late or delinquent. after the house was sold, they reported to my credit that I was over XXXX months late on my payments and that my account was settled for less than the amount agreed-upon. I have letters that I showed to the credit bureau, notarized, and sent by village capital that show that the account was paid in full and satisfied and closed, and yet every time I challenge it, village capital respond to the credit bureau, saying that no, the current information on my credit report, which shows that Im XXXX months late on my account prior to it being closed and then it was settled for less than the amount agreed-upon are both correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$450.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I am not responsible for any debt with progressive. I do not have a signed agreement with receivable management. They did not provide me with a contract as I asked for.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2025 Joint account opened at Chase Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Was able to open account using the app. 

XX/XX/2025 No longer able to open app. Received a notification that the account had a restriction and had to contact customer service. Called and was told the account was being closed but no other information could be shared. I was informed I would receive a letter outlining why my account was closed. 

XX/XX/2025 Received letter in mail. No information as to why the bank was closing my account. Called number on letter and was told they don't have to tell me why and I should go find another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports, which have been reported inconsistently across Experian, Equifax, and TransUnion and violate several provisions of the Fair Credit Reporting Act ( FCRA ). My personal identifying information is inaccurately reported as XXXX XXXX and XXXX XXXX in Experian, and my addresses are incorrectly listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX and XXXX XXXX XXXX, XXXX XXXX, CA XXXX in TransUnion, violating XXXX ( a ) ( XXXX ) ( A ) Obligations of Furnishers, 623 ( a ) ( 2 ) Duty to Correct and Update, and 607 ( b ) CRA Accuracy Requirements. These errors have caused multiple accounts, including late-open, late-closed, and charge-off accounts, to be misattributed or duplicated. I request immediate correction of my personal information to reflect my true identity and current addresses. 
In addition, I am disputing numerous late-open accounts with inconsistent reporting. XXXX XXXX XXXX XXXX XXXX XXXX ( {$16000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) shows repeated late payments from XX/XX/XXXX through XX/XX/XXXX, with XXXX, XXXX, XXXX, and XXXX delinquencies, reported differently between XXXX and TransUnion, violating 15 U.S. Code 1666 Correction of Billing Errors, 1666a Creditor Restrictions, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609. Late-closed accounts including XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show inconsistent late payments and balances between bureaus, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ) ( 5 ), 611, and 602 ( A ). 
Furthermore, charge-offs including XXXX XXXX XXXXXXXX XXXX {$4600.00}, XXXX XXXX XXXX {$4200.00}, XXXX XXXX {$9200.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$1800.00}, XXXX XXXX {$1700.00}, and XXXXXXXX XXXX XXXX {$11000.00} are reported inconsistently across bureaus with conflicting balances and DOFD, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ). In addition, multiple inquiries including XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX reporting XXXX  either lack permissible purpose, remain beyond allowable reporting limits, or are unauthorized, violating 604 ( a ), 605 ( a ), and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports, which have been reported inconsistently across Experian, Equifax, and TransUnion and violate several provisions of the Fair Credit Reporting Act ( FCRA ). My personal identifying information is inaccurately reported as XXXX XXXX and XXXX XXXX in Experian, and my addresses are incorrectly listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX and XXXX XXXX XXXX, XXXX XXXX, CA XXXX in TransUnion, violating XXXX ( a ) ( XXXX ) ( A ) Obligations of Furnishers, 623 ( a ) ( 2 ) Duty to Correct and Update, and 607 ( b ) CRA Accuracy Requirements. These errors have caused multiple accounts, including late-open, late-closed, and charge-off accounts, to be misattributed or duplicated. I request immediate correction of my personal information to reflect my true identity and current addresses. 
In addition, I am disputing numerous late-open accounts with inconsistent reporting. XXXX XXXX XXXX XXXX XXXX XXXX ( {$16000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) shows repeated late payments from XX/XX/XXXX through XX/XX/XXXX, with XXXX, XXXX, XXXX, and XXXX delinquencies, reported differently between XXXX and TransUnion, violating 15 U.S. Code 1666 Correction of Billing Errors, 1666a Creditor Restrictions, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609. Late-closed accounts including XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show inconsistent late payments and balances between bureaus, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ) ( 5 ), 611, and 602 ( A ). 
Furthermore, charge-offs including XXXX XXXX XXXXXXXX XXXX {$4600.00}, XXXX XXXX XXXX {$4200.00}, XXXX XXXX {$9200.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$1800.00}, XXXX XXXX {$1700.00}, and XXXXXXXX XXXX XXXX {$11000.00} are reported inconsistently across bureaus with conflicting balances and DOFD, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ). In addition, multiple inquiries including XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX reporting XXXX  either lack permissible purpose, remain beyond allowable reporting limits, or are unauthorized, violating 604 ( a ), 605 ( a ), and 611.

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 2025-11-17 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: IL

Complaint narrative:
Im sending this complaint to ask that you remove any dispute comments showing on the following accounts and reset their dispute status : XXXX XXXX * * * * * * * * * * * Balance {$0.00} XXXX XXXX XXXX  XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} These accounts were previously marked as consumer disputes this account or something similar, but Im no longer disputing them at this time and dont want the dispute comments showing. Its causing issues when I apply for credit because lenders think the accounts are still in dispute.

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 2025-11-17 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: IL

Complaint narrative:
Im sending this complaint to ask that you remove any dispute comments showing on the following accounts and reset their dispute status : XXXX XXXX * * * * * * * * * * * Balance {$0.00} XXXX XXXX XXXX  XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} These accounts were previously marked as consumer disputes this account or something similar, but Im no longer disputing them at this time and dont want the dispute comments showing. Its causing issues when I apply for credit because lenders think the accounts are still in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I am a service member stationed in XXXX  on XXXX XXXX and the Company has denied my State SCRA benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Royalty Lending Financial Services Inc.
State: CA

Complaint narrative:
Supplement COMPLAINT ID ( XXXX ) XXXX " Unlicensed Consumer Lending '' Royalty diversion Fraudulent XXXX reporting False XXXX mortgage interest reporting Unrecorded deed used to impersonate ownership Suspense release without owner consent Operator complicity / payor violations Pattern affecting multiple payors Income taxed to borrower but paid to lender " Unauthorized collection activity '' " material misrepresentation '' " Civil Theft '' " improper use of recorded deed '' " multi-state financial activity '' Misrepresentation of consumer loan as commercial loan Royalty diversion Fraudulent XXXX reporting False XXXX mortgage interest reporting Unrecorded deed used to impersonate ownership Suspense release without owner consent Operator complicity / payor violations Pattern affecting multiple payors Income taxed to borrower but paid to lender Misrepresentation of consumer loan as commercial loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
There were checks deposited into my checking account XX/XX/year> and they placed a hold on my account, which I thanked them for. However, after talking with them on that following Monday, the representative stated they would be working the case as fraud. There were XXXX checks with each amount at {$1400.00} with hand printed signature, not a cursive as I use. Then they decided to go back to XXXX of this year and retract an amount that had nothing to do with the fraud in XXXX. As I stated to the representative, the amount they retracted was an amount I withdrawed with my debit card from the post office to pay my bills with. I asked for documentation of their progress and I received nothing. Then they wanted me to clear up deficiencies that I did not cause. These deficiencies were done by fraud. USAA closed my accounts with deficiencys. I had to stop my direct deposits. They are still writing me about the deficiencys. I refuse to clear up errors made by USAA.

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 2025-11-17 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: CT

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information currently appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial information, an incident that occurred entirely outside of my control. Despite my repeated attempts to correct these inaccuracies, I continue to experience the harmful consequences of reporting failures that should have been addressed promptly and thoroughly. 
The continued presence of these unauthorized and inaccurate entriesdespite clear evidence that my personal data was compromisedis unacceptable. This negligent handling of my information is damaging my creditworthiness, undermining my financial stability, and preventing me from accessing essential opportunities. I will not accept this ongoing disregard for my rights and the integrity of my credit file. 
I am demanding that you immediately conduct a full investigation and permanently delete the erroneous information from my credit report. Any delay, refusal, or failure to take corrective action will be treated as a direct violation of my consumer rights. If necessary, I will pursue all available legal remedies under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable state or federal laws to ensure full accountability for this 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received my Checking Deposited to my Chase bank account. My funds were illegally taken without my consent! All of my automated transactions were presented against my Checking account as Negatively and a letter was only provided to all items paid Negatively. 

After 7 days of non payment and no Legal letter support for the Federal SSA Check being Garnished, which according to Social Security was deposited ok. 

This is possibly Fraudulent activities and this is not the very first incident.

Company response to consumer: Closed with explanation