vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am submitting this formal complaint regarding ongoing issues with Freedom Mortgages handling of my escrow account, which have resulted in repeated and excessive increases to my mortgage payment. Since the acquisition of my loan, I have experienced yearly adjustments that continue to place a financial strain on me despite making additional payments to cover shortages related to property taxes and insurance. This year alone, after paying the shortage XXXX, my mortgage payment was increased yet again. When I inquired about making a lump sum payment into my escrow account to offset the increasesomething many other lenders allowI was explicitly told by a supervisor that " Freedom doesnt do that. '' Instead, the company continues raising my mortgage, which appears to be a deliberate attempt to generate interest at my expense rather than allowing responsible escrow management. 
I have a fixed-rate mortgage, yet no previous lender has made such frequent increases. As a XXXX household, these unjustified changes are becoming unsustainable. Additionally, Freedom Mortgage has repeatedly provided incorrect escrow calculationsincluding using the wrong tax information in this years analysisresulting in further financial complications. 

I am requesting a formal review of Freedom Mortgages practices regarding escrow management and mortgage adjustments. Specifically, I ask for clarification on why additional lump sum payments into escrow are prohibited and why their calculations consistently contain errors. These practices are unfair to consumers and warrant investigation. 

I appreciate your prompt attention to this matter and look forward to your response. Thank you so much for your time.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The loan companys XXXX XXXX and XXXX XXXX  and XXXX  XXXX XXXX I have reported to the FTC identity theft i have the report they said I still hav to pay something that aint mine I filed dispute with the credit bureau with report fair credit report act letter stating wat happened and extra documents and 6 breaches with all my information exported as I called each one they did the approvals over the phone got the loans and XXXX XXXX as XXXX XXXX {$800.00} XXXX XXXX XXXX {$680.00} XXXX and XXXX XXXX {$740.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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

Company 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 2025-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX. XXXX XXXX XXXX Balance : {$360.00} & XXXX TEXAS XX/XX/year>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 2025-05-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-27 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: Ideal Collection Services, Inc.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of identity theft XXXX capital One cards was open. Capital One Platinum {$570.00} Capital One Quicksilver {$310.00}. Was not open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-05-27 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Reason for dispute : [ account not mine ] - Creditor Name : XXXX  - Account Number : XXXX - Reason for dispute : [ account not mine ]

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 2025-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
EdFinancial reported XXXX different times on my credit report that I was delinquent on my accounts. Due to XXXX  XXXX there was a forebearance on the student loans. I never received anything " in writing '' via USPS. Apparently, I was being sent emails to remind me of my payments but were going to my junk folder so I never saw them. I would have expected EdFinancial to have sent a written letter via US Postal Service that my loans were overdue, as per our agreement when I initially signed my agreement for student loans. I never recieved anything and only found out about the past due loans when EdFinancial reported to the credit agencies. I called EdFinancial and spoke to a representative who informed me that based on their records, the reporting was accurate and that they would not reverse their reporting. Again, nothing was sent " in writing '' via USPS and only via email which went to my junk folder. I would like some assistance as I have found many others with this same problem. 

They also reported each individual loan so now there are XXXX negative items on my credit report vs only XXXX. I understand there are XXXX separate ones but when a bill comes across its XXXX payment for all loans. I don't see why they would report XXXX separate ones either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
Approximately XXXX weeks ago I got an email report from XXXX  that my credit score had dropped XXXX points due to an adverse reporting of a collection from a company called Central Portfolio. Apparently, this company bought a collection debt that I owed that began in XXXX and it made no contact with me in any form or fashion to let me know they had purchased that debt from net credit which was the original creditor. Then, central portfolio reported the debt along with the accrued interest amount as a new collection in XXXX in the month of XXXX with a 30 day late payment entry. This is not a new debt it is from XXXX but central portfolio is reporting it as though it were a new collection amount and thus dropping my credit score significantly while I am in the process of working on getting my credit score higher because I will soon need to buy a vehicle and rent an apartment. XXXX  followed up on the dispute that I entered with experience concerning central portfolio but nothing was changed or fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX Balance : {$100.00} XXXX XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-27 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax has reinserted a previously disputed and removed collection account from XXXX Funding ( serviced by XXXX XXXX XXXX ) without providing the legally required written notice of reinsertion within XXXX business days, as required by FCRA 611 ( a ) ( 5 ) ( BC ). 

The account originally stemmed from a disputed {$95.00} balance that ballooned to {$870.00} due to fees and interest. It has already been : Deleted by XXXX Marked closed and pending deletion by Equifax during my last dispute Actively under dispute through XXXX  and the CFPB On XX/XX/year>, the XXXX account reappeared on my Equifax report, resulting in a XXXX score drop, from XXXX to XXXX. I received no notice, no reinvestigation summary, and no supporting documentation. Equifax never provided the information I requested, including a copy of the validation materials used to justify the reinsertion. 

This account remains unverified, disputed, and damaging my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-05-27 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: DC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Sometime in XX/XX/year> my line of credit at PNC Bank which I had for XXXX  years was compromised and was fraudulently used. There were XXXX {$5000.00} transactions totaling {$10000.00}. I have reported this to the bank several times by visiting my local branch and also calling the main office. I was told that the transactions were disputed and that they would not close my account. I have never received anything my mail confirming that these transactions were disputed like they said I would. There were also XXXX payments deducted from my checking account totaling {$990.00} ( letters attached ) that were not authorized. I have called the bank about these unauthorized deductions since my account was charged up fraudulently. Recently my checking account ( XXXX ) was closed by PNC Bank and no one will tell me why. I have been a victim of fraud and as a costumer of XXXX  years I feel that the bank is treating me very poorly for something that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I submitted a mobile check deposit into my Citizens checking account. The check issuer banks with Citizens also. I was told that the funds would be available XX/XX/XXXX, but upon checking my account, the funds were still held. I contacted customer service for them to notify me that theyre placing the check on an extended hold to additionally verify funds. However, thats something they could easily do as theyre the account holders. When I told them I had a screenshot, reference number and that they hold the account, they expressed they dont owe me any further information and that their policies allow them to hold the funds as long as they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have closed accounts and collections on different accounts. I was not aware of the process to collect or to write off as a debt. No notification of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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