vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the rental debt and any negative credit reporting associated with XXXX XXXX  managed by professional debt mediation. 

During the XXXX pandemic, I was approved for government rental assistance through an official federal/state relief program intended to cover rent arrears for tenants impacted by the crisis. Despite this approval and the availability of funds, the property management refused to sign the required documents or accept the funds. This refusal directly contributed to the alleged debt, which I dispute in full. I was forced to moved out with my minor child and racially profiled. 

Furthermore, after declining the assistance, the property threatened to damage my XXXX XXXX and proceeded with collection efforts in retaliation. These actions are unethical and XXXX constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

More disturbingly, I have reason to believe I was treated unfairly and subjected to XXXX discrimination. Other tenants in the same property were allowed to terminate their leases early without penalty, yet my request to do the same was denied without justification. This suggests unequal treatment and a violation of the XXXX XXXX XXXX, which prohibits housing discrimination based on race, XXXX, or national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXXXXXX XXXX  regarding continued inaccurate reporting of a charged-off account as late each month, with a total balanced of {$1400.00} reporting every month, despite the account having been charged off and despite my documented XXXX financial hardship sent to them in XX/XX/year>. 

During the height of the pandemic, I suffered a loss of income and requested relief or accommodation in line with the XXXX XXXX XXXX XXXX, which required creditors to report accounts as current if an accommodation was in place. 

XXXX XXXX  failed to do so and has continued to report this account as delinquent and late even after the charge-off, which is both misleading and damaging to my credit. I've been disputing this now for over 3 years, I've recently contacted all three bureaus who has failed to fix the issues as well and it hasn't been resolved. My credit score continuously drops every month due to these reporting and it is causing more hardship, as it is damaging to my credit.

Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Furnishing inaccurate credit information FCRA 1681c Misreporting old or re-aged debt CARES Act Section 4021 Failure to properly report accommodation during COVID-19 FDCPA and FDUTPA ( Florida law ) Unfair and deceptive reporting and collection actions Despite my direct dispute and request for correction, XXXXXXXX XXXX XXXX XXXX XXXXXXXX has refused to remove the repeated late payment notations. This ongoing negative reporting is inaccurate and harmful and violates both federal and state consumer protection laws.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX, regarding continued inaccurate reporting of a charged-off account as late each month, with a total balanced of {$1400.00} reporting every month, despite the account having been charged off and despite my documented XXXX financial hardship sent to them in XX/XX/2022. 

During the height of the pandemic, I suffered a loss of income and requested relief or accommodation in line with the XXXX XXXX XXXX XXXX, which required creditors to report accounts as current if an accommodation was in place. 

XXXX XXXX  failed to do so and has continued to report this account as delinquent and late even after the charge-off, which is both misleading and damaging to my credit. I've been disputing this now for over 3 years, I've recently contacted all three bureaus who has failed to fix the issues as well and it hasn't been resolved. My credit score continuously drops every month due to these reporting and it is causing more hardship, as it is damaging to my credit. 

Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Furnishing inaccurate credit information FCRA 1681c Misreporting old or re-aged debt CARES Act Section 4021 Failure to properly report accommodation during COVID-19 FDCPA and FDUTPA ( Florida law ) Unfair and deceptive reporting and collection actions Despite my direct dispute and request for correction, XXXX XXXX  and the XXXX has refused to remove the repeated late payment notations. This ongoing negative reporting is inaccurate and harmful and violates both federal and state consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am writing to dispute an inaccurate and potentially fraudulent account currently listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ) and Section 605B ( 15 U.S.C. 1681c-2 ).

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the inaccurate and unverifiable accounts that remain on my file despite.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am demanding the deletion and removal of incorrect information from my credit report to prevent further harm to my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), your continued reporting of inaccurate, unverifiable information is not only unacceptableit is unlawful.

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 2025-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/year>, I personally paid {$770.00} to XXXX for my homeowners insurance renewal. The policy was set to start on XX/XX/year>. I had previously been insured with XXXX XXXX, but this year I chose to switch to XXXX and handled the policy and payment directly. 

Despite this, Freedom Mortgage still initiated a duplicate escrow payment of {$770.00}, allegedly to XXXX. That payment was never sent, as confirmed directly by XXXX, and the funds are still being held by XXXX but not returned to my escrow balance. 

In addition, {$820.00} was taken from escrow and sent to XXXX XXXX even though I had already changed providers and did not request or authorize a policy with them for this year. Both payments were made in error due to Freedoms mismanagement.

As of today, Freedom Mortgage has not returned the {$770.00} to my escrow account. Instead, they conducted a new escrow analysis that falsely shows a shortage of {$1900.00}, and they have notified me that my monthly mortgage payment will increase by over {$250.00}, without valid justification. 

I was originally told that my next escrow analysis would occur in XXXX. However, without prior explanation or adequate notice, Freedom Mortgage pushed the analysis forward and issued it for Monday, XX/XX/XXXX, posting the notice inside the app on Sunday, XX/XX/XXXX. I received no advance communication by mail or email. 

I have contacted Freedom Mortgage multiple times through app messages, email, and phone. Their insurance department confirmed that the {$770.00} was never processed but no corrective action has been taken. The funds remain in limbo, excluded from my escrow, and continue to inflate my balance unfairly. 

I request that CFPB intervene to ensure the return of the {$770.00}, withdrawal of the invalid {$1900.00} shortage, correction of my escrow analysis, and full transparency over the account history. I believe this situation involves clear violations of RESPA, 12 CFR 1024.17, and UDAAP protections. 

XXXX XXXXXXXX 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 2025-07-19 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:
Company : PayPaXXXX XXXX XXXX  Type : Fraud or Scam Unauthorized or Fraudulent Transactions Date Problem Happened : Ongoing from XX/XX/year> Amount Involved : [ Insert estimated amount here ] Submitted By : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Description : XXXX I am a verified victim of identity theft ( FTC Report # : XXXX ) and discovered that beginning in XX/XX/year>, someone gained unauthorized remote access to my mobile device and initiated fraudulent transactions using my PayPal and XXXX XXXX  accounts. These transactions include unauthorized fund transfers and purchases. 

I reported this to both PayPal and XXXX XXXX  and provided my FTC Identity Theft Report and supporting evidence. Despite this, PayPal has denied my request for a refund, and XXXX XXXX has not resolved or investigated the fraud fully. 

I request the CFPB investigate and assist in ensuring both companies comply with the Electronic Fund Transfer Act ( EFTA ) and issue full refunds for the unauthorized charges.

Please see my FTC Report as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was previously enrolled in Discovers XXXX program and had been making automatic monthly payments without issue. My last successful XXXX payment was on XXXX XXXX2025. After that, I received an email from Discover stating that the last scheduled payment was completed and encouraging me to re-enroll in automatic payments. I did not realize I had been unenrolled until the following month when no payment was withdrawn from my account. 
On XX/XX/year>2025, I sent a secure message through Discovers website requesting a late fee waiver as a courtesy. I was told that the late fee had not yet posted and that I would need to follow up later, which I thought was unfair. Over the next two months, my minimum payment increased to over {$200.00}, which I could not afford. I continued making regular payments of {$150.00}, but interest and late fees continued to build. 
In late XXXX, I called Discover and spoke with a representative named XXXX, who was dismissive and refused to transfer me to a supervisor. She stated that she couldnt assist unless I made an additional payment. Because I could not afford to do that at the time, I waited until the following month. 
In XX/XX/scrub> 2025, I called again and spoke with a representative named XXXX. I explained my financial hardship, and he agreed to waive a late fee and accepted a {$150.00} payment. At that time, I re-enrolled in XXXX for {$150.00} per month. XXXX informed me that my next schedule payment ( in XXXX ) would be {$190.00}, and I would need to pay the difference separately. I asked him to confirm that amount again, and he did. I agreed to this. 
However, on XX/XX/year>2025, Discover withdrew {$400.00} from my checking account - not {$150.00} or {$190.00}. This caused my account to go negative. I immediately called Discover and spoke with a representative named XXXX, who stated that under the terms of agreement, they were allowed to withdraw that amount. I disagreed and asked if that was legal- she simply replied Yes. 
XXXX also said there was no record of my previous XXXX enrollment, even though I have email confirmation proving otherwise. She advised me to contact a different department that handles verbal authorizations and hardship cases. I called again and was given the same explanation- with no resolution. 
Due to this unauthorized withdrawal and Discovers failure to acknowledge my prior enrollment or verbal agreement, I contacted XXXX XXXX  to dispute the charge. I am now experiencing financial distress, my checking account is in the negative, and Discover has not made an effort to correct or reasonably address the issue despite multiple calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I got a email stating that my account was permanently limited on XX/XX/XXXX and I do not know the reason why.. I have over {$1500.00} on my account that I urgently need and they are telling me I cant withdrawaw my funds until 180 days .. PayPal is running under the transmitter act which limits the amount of time of said funds and they are making me wait XXXX months just to get my own money! That is illegal and I will be talking to my state attorney general and XXXX  state Attorney general where PayPal resides! PayPal claims they are not a banks but XXXX they act like they are am i am not the only person done wrong like this. There are several others in my same situation that cant access there funds. They will not get away with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
To Whom It May Concern, Please be advised that my legal name is XXXX XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX. My Social Security XXXX is XXXX, and my date of birth is XX/XX/XXXX. 
This correspondence constitutes a formal dispute and request, submitted pursuant to 15 U.S.C. 1681c2 ( FCRA Section 605B ), for the immediate blocking of all fraudulent and unauthorized information appearing on my consumer credit report as a result of identity theft. Specifically, I am requesting that the following information be permanently blocked from my credit file maintained by TransUnion, Experian, and Equifax : A personal loan allegedly opened at XXXX XXXX on or around XX/XX/XXXX, under account number ending in XXXX, which I did not initiate, authorize, or open. 
Fraudulent hard credit inquiries, including but not limited to : XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Any related collections or tradelines resulting from the above-referenced fraudulent activity. 
I affirm under penalty of perjury that I did not authorize, open, or otherwise engage in any transactions related to the accounts or inquiries identified above. These entries are the direct result of identity theft and are materially false, inaccurate, and damaging. 
In accordance with FCRA 605B, I am submitting this request with supporting documentation, including a copy of my FTC Identity Theft Complaint ( # XXXX ), as required by law. Upon receipt of this complaint and supporting documentation, the aforementioned consumer reporting agencies are legally obligated to block the identified fraudulent information from my credit file within XXXXur ( 4 ) business days.Failure to comply with this statutory obligation may constitute a violation of the FCRA and may result in further legal action.Please confirm receipt of this dispute and provide written confirmation of the blocking of the disputed information via email : XXXX Sincerely, 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
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern, Please be advised that my legal name is XXXX XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX. My Social Security XXXX is XXXX, and my date of birth is XX/XX/XXXX. 
This correspondence constitutes a formal dispute and request, submitted pursuant to 15 U.S.C. 1681c2 ( FCRA Section 605B ), for the immediate blocking of all fraudulent and unauthorized information appearing on my consumer credit report as a result of identity theft. Specifically, I am requesting that the following information be permanently blocked from my credit file maintained by TransUnion, Experian, and Equifax : A personal loan allegedly opened at XXXX XXXX on or around XX/XX/XXXX, under account number ending in XXXX, which I did not initiate, authorize, or open. 
Fraudulent hard credit inquiries, including but not limited to : XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Any related collections or tradelines resulting from the above-referenced fraudulent activity. 
I affirm under penalty of perjury that I did not authorize, open, or otherwise engage in any transactions related to the accounts or inquiries identified above. These entries are the direct result of identity theft and are materially false, inaccurate, and damaging. 
In accordance with FCRA 605B, I am submitting this request with supporting documentation, including a copy of my FTC Identity Theft Complaint ( # XXXX ), as required by law. Upon receipt of this complaint and supporting documentation, the aforementioned consumer reporting agencies are legally obligated to block the identified fraudulent information from my credit file within XXXXur ( 4 ) business days.Failure to comply with this statutory obligation may constitute a violation of the FCRA and may result in further legal action.Please confirm receipt of this dispute and provide written confirmation of the blocking of the disputed information via email : XXXX Sincerely, 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
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: FL

Complaint narrative:
They asked me to identify myself through email I sent all my information several times no answer I want my XXXX $ back and there is only one phone # and you wait hours this place is corrupt reed reviews every one has the same problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am submitting this complaint to dispute a debt collection tradeline that has been reported to XXXX by Source Receivables Management regarding an alleged debt from XXXX XXXX XXXX in the amount of {$1500.00}.

Despite previous disputes with both XXXX and the collection agency, this debt has not been fully verified in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Key Issues : I have never received a copy of the original contract or agreement bearing my signature that proves I owe this debt.

The collector has failed to provide a detailed itemization of the charges or proof of a lawful assignment of the debt from the original creditor ( T-Mobile ) to Source Receivables.

Reporting this tradeline without proper validation is both inaccurate and misleading, and causes unjust harm to my creditworthiness.

I believe this is a violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ) and 15 U.S.C. 1692g ( b ) ( FDCPA ).

I respectfully request that the CFPB investigate this matter and direct the reporting party to fully validate the debtincluding providing the original signed contract and a full breakdown of the account history. If they can not, I request the tradeline be immediately deleted from my credit report and that further reporting cease.

Company response to consumer: Closed with explanation