vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I received notice that my mortgage servicing was being transferred from XXXX Mortgage to XXXX effective XX/XX/year>. I did not actually receive the transfer letter until around XX/XX/year>, which left me less than 10 days to prepare. Then, on XX/XX/year>, XXXX sent another letter stating that my loan would be transferred back to XXXX effective XX/XX/year>. 

This means my loan was transferred twice in less than XXXX months, creating hardship and confusion. To make matters worse, I have been given conflicting loan numbers : - XXXX original loan number : XXXX - XXXX loan number : XXXX - My insurance policy ( XXXX XXXX ) lists XXXX as mortgagee under yet another number : XXXX I emailed both XXXX XXXX XXXX on XX/XX/year>, asking for written confirmation of my current servicer, correct loan number, and assurance that escrow and insurance remain accurate. XXXX acknowledged my message on XX/XX/XXXX and followed up on XX/XX/XXXX, confirming the loan would return to XXXX, but they did not resolve the inconsistencies. On XX/XX/XXXX, I also mailed a certified complaint packet. 

Because of these rapid transfers and conflicting account information, I am concerned about the accuracy of my payments, escrow, and insurance coverage. I request that the CFPB investigate why these transfers occurred, ensure that my payments and escrow/insurance are accurate and uninterrupted, and confirm stability going forward with XXXX consistent loan number. I also ask that the burdens caused by this situation be taken into consideration.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern, This letter serves as my formal and final demand for the IMMEDIATE deletion of inaccurate and outdated information currently being reported on my credit file. As per the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), it is a direct violation of federal law for a consumer reporting agency to knowingly report information that has been confirmed as inaccurate or outdated. Despite my previous attempts to resolve this matter amicably, your agency has failed to comply with your legal obligation to ensure the accuracy and completeness of the information you report. I am referring specifically to the following item ( XXXX ) XXXX  XXXX XXXX XXXX {$3900.00}, XXXX XXXX XXXX {$8100.00}, XXXX XXXX XXXX  XXXX {$20000.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX  XXXX XXXX {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a business account for XXXX XXXX, XXXX on XX/XX/year>, with the help of XXXX XXXX ( XXXX ID XXXX ) at your branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and I was then sent an email later that day stating, Im glad we had a chance to discuss your home lending needs. 

I then responded to this email on XX/XX/year>, and XX/XX/year>, wherein I attached a copy of CFPB Complaint XXXX ( Attached ) and asked the following two questions : 1 ) Can you please look at the attachment? Im wondering how the process would be different if I was buying a home and the purchase also involved my Chase accountit would be different because I would have to sign a mortgage contract and hire an agent? 

2 ) " When I came in to open the business account did you use the information, I provided to initiate a mortgage application and thats why you followed up with home purchase info? '' I later spoke with XXXX via phone, and she was unable to answer these questions and so my question to JP Morgan is as follows : Will future transactions involving home rental or purchase be authorized by JP Morgan same day that the other party requests proof of funds as was done in the case involving CFPB Complaint XXXX ( Attached )?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit file. The account in question is with PNC Bank, XXXX, account number ending in XXXX, a secured card opened on XX/XX/XXXX. 

On or around XX/XX/XXXX, I entered into a settlement agreement with PNC Bank. During this phone call with a PNC representative, I was assured that if I paid the agreed settlement amount, the account would be updated to reflect paid/settled in full and the late payments would be corrected/removed. 

I complied fully with this agreement and made the payment. The balance is now {$0.00}, and Experian even shows Paid in settlement. {$74.00} written off. However, despite my compliance, the late payment history ( 30, 60, charge-off notations from XXXX ) remains on my credit reports. 

I have already disputed this with XXXX  multiple times. Each time, they returned the same results, leaving the inaccurate late payment history in place. This is unfair and misleading, as the creditor made a binding promise to correct the payment history if I satisfied the settlement terms which I did. 

These inaccurate reports are now causing me severe harm, including the loss of merchandise, product opportunities, and other business assets, since my creditworthiness is being misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
To Whom It May Concern I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported on my credit file must be accurate, complete, and verifiable. I have identified multiple inaccuracies, unauthorized inquiries, and false reporting on my credit file that are harming my creditworthiness, financial reputation, and access to credit. I demand immediate investigation and removal of all inaccurate, unverifiable, or fraudulent information from my credit report. 
Unauthorized/Inaccurate Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> These inquiries were either unauthorized or inaccurately reported. I have never applied for credit with some of these entities, and I did not authorize these inquiries to be made on my credit file. According to FCRA 1681b ( f ), each credit inquiry must have my explicit authorization. Any inquiries made without my consent must be deleted immediately. These unauthorized inquiries have negatively impacted my credit score and misrepresented my financial activity to potential lenders. 
Impact Statement : The combination of these issueswrong addresses, falsely reported charge-offs, and unauthorized inquirieshas caused tangible harm. They falsely suggest financial irresponsibility and have already led to denied credit applications, higher interest rates, and difficulty in obtaining loans. The continued reporting of these inaccuracies without correction constitutes willful negligence under FCRA 1681n and 1681o, making the credit reporting agencies liable for damages. 
I request that all items listed above be investigated, corrected, or removed immediately, and that I receive written confirmation of these actions. Failure to promptly address these issues may result in further legal action to protect my rights under federal law. 
Thank you for your immediate attention to this serious matter.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I have been receiving multiple calls and emails from Springs Oaks Capital LLC for a debt that is not even on my credit report! According to them I owe {$750.00} from The XXXX  XXXX XXXX. 

I want the communication from them to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: AZ

Complaint narrative:
Name XXXX XXXX XXXX I am writing this letter to formally dispute inaccurate information that appear on credit report Under the fair Credit Reporting Act ( FCRA ) I have the right to dispute any item that I believe is inaccurate, incomplete, or unverifiable My information XXXX XXXX XXXX D.O.B. XX/XX/year> Social Security Number ( last four digits ) ( 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 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
I received a text on XX/XX/2025 at XXXX XXXX  mountain standard time. The text was from Jefferson Capital systems. Who indicate they were collecting a debt for XXXX XXXX. However, when I looked into it, the number given was not an actual number for the company when I XXXX  it. And when it went to a link stating to look up the account, it said I didnt owe one. It was also addressed to a XXXX XXXX who is not someone I am acquainted with. So I was worried about identity theft I found a number online for Jefferson Capital Systems and called and basically they wanted money to be able to figure out if I owed this debt. I told them I thought they were trying to scam me and I hung up on the conversation. I then called XXXX and they were able to verify that I did not owe any money nor had I ever been sent to collections I feel that Jefferson Capitol systems either sent this text intentionally hoping that I would call and try to get some information from me and get a credit card number which is what they were asking for or it was a scam, but they still would not help me and they are not acting in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has repeatedly verified and continued to furnish this account despite my disputes and despite failing to provide lawful validation. In response to my prior complaint, Midland uploaded a generic contract, a transaction history, and a validation letter dated XX/XX/year>. These documents do not establish a valid chain of title or prove that Midland owns this account or has the right to collect. No bill of sale, assignment agreement, or complete account-level documentation was provided, which is required under the FDCPA, 15 U.S.C. 1692g.

The information Midland continues to report is also inaccurate and inconsistent. Experian shows the account as purchased by another lender, charged-off for {$2600.00}, and closed yet Midland reports a balance of {$2800.00} and treats the account as active. This conflicting and misleading information violates the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), which require accuracy and a reasonable reinvestigation of disputes. Midland also used an outdated address that does not appear on my current Experian credit file, further undermining accuracy.

Despite multiple disputes, Midland has willfully and negligently continued reporting unverifiable and inaccurate information. This conduct has caused measurable harm to my creditworthiness, job opportunities, and access to housing and credit. Their actions are unlawful, harmful, and demonstrate a pattern of noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: 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 XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 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

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