vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
CONTACTED # ON CC REPORTS XXXX TOLD ACCT XXXX BE DELETED AND MAILED ME COPY OF XXXX CREDIT CARD WAS ONLY FOR MEDICAL/DENTAL CHARGES. THE DENTIST MESSED UP ROOT CANAL IN XXXX. HAD TO GO TO ANOTHER DENTIST TO REMOVE CEMENT LEFT IN GUM. RECEIVED COURT CITATION XX/XX/XXXX OFFICE OF CLERK OF COURT CITY COURT OF XXXX. FILED ANSWER XX/XX/XXXX. NEXT THING I SAW WAS CREDIT BUREAU SHOWING AS CHARGE OFF ON MY CC REPORT. EVERY TIME I TRIED TO DISPUTE THIS MEDICAL CHARGE WITH COPY OF CANELED DEBT XXXX SYNCHRONY BANK NOW SAYS IT IS STILL WITH A BALANCE AND PAST DUE AMOUNT. THIS IS CAUSING A STRAIN ON MY SCORE AND MENTALLY AFTER REPEATED ATTEMPTS TO CONFIRM THE MEDICAL CHARGES ARE CANCELLED AND HARMING MY SCORES AS WELL AS MY HEALTH. I AM ELDERLY AND CARE GIVER FOR XXXX YR OLD BROTHER. THIS STRAIN IS REALLY CAUSEING HARM AND HARRASSEMENT FOR CC NOT TO RECOGNIZE THE MEDICAL EXP SYNCHRONY BANK STILL SHOW AS PAST DUE AND BALANCE DUE WHEN COURTS AND CFPB STATEMENT Bans medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses. 
CAN SOMEONE CLEAR THIS CANCELED MEDICAL DEBT OFF MY CREDIT REPORTS AND STOP THE HARRASSEMENT. 
TRANS UNION DELETED IT ON XX/XX/XXXX THEN ADDED IT BACK ON XX/XX/XXXX I WILL GO TO THE COURTS TO GET A COPY OF MY ANSWER SUBMITTED ON XX/XX/XXXX IF THAT WILL HELP.

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 2025-09-07 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: LA

Complaint narrative:
CONTACTED # ON CC REPORTS XXXX TOLD ACCT XXXX BE DELETED AND MAILED ME COPY OF XXXX CREDIT CARD WAS ONLY FOR MEDICAL/DENTAL CHARGES. THE DENTIST MESSED UP ROOT CANAL IN XXXX. HAD TO GO TO ANOTHER DENTIST TO REMOVE CEMENT LEFT IN GUM. RECEIVED COURT CITATION XX/XX/XXXX OFFICE OF CLERK OF COURT CITY COURT OF XXXX. FILED ANSWER XX/XX/XXXX. NEXT THING I SAW WAS CREDIT BUREAU SHOWING AS CHARGE OFF ON MY CC REPORT. EVERY TIME I TRIED TO DISPUTE THIS MEDICAL CHARGE WITH COPY OF CANELED DEBT XXXX SYNCHRONY BANK NOW SAYS IT IS STILL WITH A BALANCE AND PAST DUE AMOUNT. THIS IS CAUSING A STRAIN ON MY SCORE AND MENTALLY AFTER REPEATED ATTEMPTS TO CONFIRM THE MEDICAL CHARGES ARE CANCELLED AND HARMING MY SCORES AS WELL AS MY HEALTH. I AM ELDERLY AND CARE GIVER FOR XXXX YR OLD BROTHER. THIS STRAIN IS REALLY CAUSEING HARM AND HARRASSEMENT FOR CC NOT TO RECOGNIZE THE XXXX  XXXX  XXXX  BANK STILL SHOW AS PAST DUE AND BALANCE DUE WHEN COURTS AND CFPB STATEMENT Bans medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses. 
CAN SOMEONE CLEAR THIS CANCELED MEDICAL DEBT OFF MY CREDIT REPORTS AND STOP THE HARRASSEMENT. 
XXXX XXXX DELETED IT ON XX/XX/XXXX THEN ADDED IT BACK ON XX/XX/XXXX I WILL GO TO THE COURTS TO GET A COPY OF MY ANSWER SUBMITTED ON XX/XX/XXXX IF THAT WILL HELP.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I recently reviewed my Early Warning Systems report and identified a fraudulent bank account that does not belong to me and that I do not recognize. This account is inaccurate and fraudulent. Under the Fair Credit Reporting Act ( FCRA ), any information that is inaccurate, incomplete, or unverifiable must be removed immediately. I have also filed a report with the Federal Trade Commission ( FTC ), reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late mortgage payment. 
A mortgage payment of {$630.00} was scheduled on XX/XX/year>, through Rocket Mortgage and cleared my personal bank account on XX/XX/year>. XX/XX/year>, was a business day, not a weekend or holiday. This payment was therefore made before the end of the month and within the XXXX grace period, even though XXXX only XXXX  XXXX  days in XXXX. 

Despite this, Rocket Mortgage reported the payment as late, and XXXX  has continued to include this incorrect late payment on my credit report even after I provided supporting documentation. 

I have attached : A bank statement showing the payment cleared on XX/XX/year> Documentation from Rocket Mortgage showing the payment was scheduled on XX/XX/year> A transaction ledger confirming the payment timeline In addition, in the previous month Rocket Mortgage charged me twice, requiring reconciliation to fix the error. This demonstrates a pattern of payment processing issues. 
I contacted Rocket Mortgage by phone the week of XX/XX/year>, to address this issue, but the representative was dismissive, rude, and refused to look into my concern. 
I am requesting that the CFPB assist in having this inaccurate late payment removed from my credit report and ensure that Rocket Mortgage and XXXX  correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX credit card backed by Comenity Bank. I received a letter telling me " Congratulations, you are getting an upgradefrom the XXXX Credit Card to a XXXX XXXX XXXX credit card '' My current interest rate is XXXX XXXX the new card is XXXX XXXX. Not only is this not an upgrade I did not request a VISA card nor do I want XXXX. 
On XX/XX/year> I called Comenity and asked them not to send me the new card and that I am not giving my consent for a new credit card with new terms.The customer service representative said they could not stop the transaction and that I would still be receiving the card. I asked to speak to a supervisor, and he told me the same thing, even though I did not apply for this " new card ''. Now I will have to cancel a card that I did not apply for, and that will affect my credit. On XX/XX/year> I closed my current retail account with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing XXXX separate credit card accounts from XXXX XXXX Bank, both of which were placed with XXXX XXXX XXXX XXXX for collection. 



The accounts are : Account ending in XXXX XXXX {$1000.00}, original limit {$820.00}, opened XX/XX/XXXX. 

Account ending in XXXX XXXX {$1100.00}, original limit {$900.00}, opened XX/XX/XXXX. 



On XX/XX/XXXX, I mailed certified disputes to XXXX Technologies for both accounts. The certified mail was returned undelivered ( proof attached ). Despite this, XXXX has continued to email me multiple collection demands for both accounts throughout XXXX, XXXX, and XX/XX/XXXX. 



This violates the FDCPA 809 ( b ), because they are attempting to collect without properly validating the debt and are pursuing collection during an active dispute.

Furthermore, XXXX  and TransUnion continue to report both accounts with derogatory charge-off statuses and conflicting balances : XXXX account is showing charge-off with {$1000.00} past due, the other charge-off with {$1100.00} past due. 

Both show re-aged payment histories and inconsistent remarks ( profit and loss write-off, meets FCRA requirements, account in dispute ). 
Requested Relief : These updates were made after my certified disputes, yet no mailed validation was ever provided. 



This is a violation of the FCRA 623 and 611, which require accurate reporting and a proper reinvestigation of consumer disputes.

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 2025-09-08 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-07 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: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX auto finance XX/XX/year>, XX/XX/year> XXXX XXXX XXXX - XX/XX/year>, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-07 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: KS

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late mortgage payment. 
A mortgage payment of {$630.00} was scheduled on XX/XX/year>, through XXXX XXXX  and cleared my personal bank account on XX/XX/year>. XX/XX/year>, was a business day, not a weekend or holiday. This payment was therefore made before the end of the month and within the XXXX grace period, even though XXXX only had XXXX  days in XXXX. 

Despite this, XXXX XXXX  reported the payment as late, and Experian has continued to include this incorrect late payment on my credit report even after I provided supporting documentation. 

I have attached : A bank statement showing the payment cleared on XX/XX/year> Documentation from XXXX XXXX showing the payment was scheduled on XX/XX/year> A transaction ledger confirming the payment timeline In addition, in the previous month XXXX XXXX charged me twice, requiring reconciliation to fix the error. This demonstrates a pattern of payment processing issues. 
I contacted XXXX XXXX  by phone the week of XX/XX/year>, to address this issue, but the representative was dismissive, rude, and refused to look into my concern. 
I am requesting that the CFPB assist in having this inaccurate late payment removed from my credit report and ensure that XXXX XXXX  and Experian correct the reporting.

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 2025-09-07 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-07 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: TX

Complaint narrative:
Theres a third party that shared my information inaccurately to another company without my consent for a eviction case

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 2025-09-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX fl XXXX Midland Credit Management , Inc . 


To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt you claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this debt.

Please provide the following : 1. The name and address of the original creditor.

2. A copy of the original signed contract or agreement showing that I am legally responsible for this debt.

3. A detailed accounting of the alleged amount, including principal, interest, fees, and any other charges.

4. Documentation proving that you have the legal right to collect on this account. 



Until you provide the requested documentation, I dispute this debt in its entirety. Furthermore, you must cease all collection activities, including phone calls and reporting to credit bureaus, until proper validation is provided. 

Please note that I am requesting all future communication be conducted in writing only. 
I have no contract with them Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
The following accounts currently listed on my XXXX XXXX, Experian and XXXX  credit report, are paid in full : XXXX XXXX, {$550.00} and XXXX XXXX XXXX Bank, {$130.00}.

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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I sent several letters disputing the negative items on my credit report and I still get letters, calls and now new third party creditor 's stating the account has been sold to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX  debit card number was stolen and used for XXXX unauthorized purchases on XX/XX/year>. I reported the fraud immediately and turned the card off. XXXX  gave me a temporary credit, but then on XX/XX/XXXX I was informed via email they were reversing the credit. The transaction ID is XXXX XXXX XXXX amount of {$220.00}. Their reasoning is the transaction was valid because there was money in the account. 

That reasoning is improper. Under the Electronic Fund Transfer Act ( Regulation E ), I am not liable for unauthorized transactions if I report them promptly, which I did. The mere presence of funds in my account does not prove I authorized the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Old charge off and paid accounts have not been removed from my credit report as promised orper settlement paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Statewide Credit Services Corp.
State: CA

Complaint narrative:
They will not stop calling, they call me from the office number and then they will call from an unknown number. They call during my work hours when I can not be on my phone during my shift. They tell me if I have enough money to pay on a vehicle I should have enough money to pay them. It seems they have forgotten how paying bills work you need a mode of transportation to work in order to work and make money to pay bills so yes of course I need a vehicle. They are aggressive when they call and it is one person in particular her name is XXXX XXXX. I never even agreed to pay the debt that was sold off to them, she threaten me into paying, I never signed any documentation to agree to pay nor are there any emails regarding the debt agreement. XXXX XXXX should be held accountable for her unprofessional conduct towards me and I am sure is like that with the other poor souls that have to deal with her ray of sunshine.

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 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

XXXX XXXX XXXX Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
After checking my credit report I noticed inaccurate information on XXXX ( XXXX  ). Per the FRCA, it is my right to have a fair and accurate report.

Company response to consumer: Closed with non-monetary relief