vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: VT

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Due to unemployment, I applied for a forbearance on my mortgage with RoundPoint Mortgage. I received a letter granting a forbearance dated XX/XX/XXXX. The second line of the letter indicates the forbearance was accepted Based on careful review of the information you provided, you have been approved for a Forbearance Plan. There is no mention of a condition to the acceptance. Instead, there is a requirement to accept the forbearance by XX/XX/XXXX hidden in the middle of page 3. I dont remember when the letter arrived, but it was after XX/XX/XXXX. This is deceptive trickery. 

Also, RoundPoints website showed me that on XX/XX/XXXX that my payment due for the month of XXXX was {$0.00}. After I confirmed the forbearance was in effect, I canceled my auto-payment that was going to pay the XXXX payment on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call asking me when I was going to make my payment for the mortgage. I explained I was in a forbearance and no payments were required. The representative explained to me that since I didnt accept the forbearance it was canceled and I was now late on the payment and I had a late fee too. 

I asked to have the late fee waived. Even though the deceptive forbearance condition was unknown to me, and the XX/XX/XXXX website information of no payment due, RoundPoint Mortgage claims they made no error. Therefore, I was denied a late fee waiver. 

I didnt receive notice that the forbearance was revoked until XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX ( took 10 days to arrive? ) indicating that because I didnt accept the forbearance it was revoked. How can they justify charging me a late fee before I receive that letter? 

It is wrong to offer financial help, in the form of a forbearance, and then through a hidden condition revoke it. I thought I didnt have to make an XXXX payment. It is wrong to restore that payment requirement suddenly without informing me and then add to the injury by charging me a late fee. 

I want the late fee of {$94.00} refunded. 

I dont trust RoundPoint Mortgage to offer genuine assistance. They are tricksters. 

Timeline summary : after XX/XX/XXXX Letter granting forbearance XX/XX/XXXX Website showed payment of {$0.00} is due for month of XXXX ( late after XX/XX/XXXX ) XX/XX/XXXX I canceled autopay since forbearance was approved XX/XX/XXXX Charged late fee of {$94.00} XX/XX/XXXX Got phone call indicating XXXX payment was not made XX/XX/XXXX Received letter revoking forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you to dispute a fraudulent account that appears on my credit file. I have never authorized, opened, or used this account, and its reporting is entirely inaccurate. The inclusion of this account is harming my financial reputation and misrepresenting my credit history.

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 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} 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 case number XXXX, as proof from the XXXX 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 2025-08-26 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc.
State: GA

Complaint narrative:
Applied for a mortgage with a different company - trigger leads led to this company sending me unsolicited text messages. When asked to stop sending messages, the person on the other end began to get agitated and sent inappropriate messages. The individual then went on to look up my identity and call out my employer in the text message thread which I find to be absolutely inappropriate, unethical and unprofessional for a license mortgage lender. 

When I called the phone number, the individuals who answered pretended to be a " XXXX XXXX XXXX XXXX', then during another call they answered and replied as my employer 's company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit reports and noticed several accounts and inquiries that continue to be reported inaccurately despite previous disputes. Two XXXX XXXX accounts are listed as collections from XXXX, but they are misclassified and appear to be duplicates, with no proof of chain of title or itemized balance history. An XXXX XXXX account is reported as a charge-off with a {$1200.00} balance, but it still shows as past due even though the account is closed, which is misleading. A XXXX XXXX charge-off is showing a {$1800.00} balance with conflicting payment dates that suggest re-aging of the debt. My XXXX account , which reports a {$3.00} balance and is currently coded as pays as agreed, still carries old 30/60/90-day lates without documentation. In addition, multiple hard inquiries from XXXX  through XXXX XXXX ( several pulls ), XXXX, XXXX XXXX  , and Dept of Educationremain on file with no signed authorization or proof of permissible purpose. Outdated addresses and name variations also continue to appear, which increases the risk of file mixing. These inaccuracies remain unresolved and are causing unjustified harm to my credit profile.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Basis of Dispute 1. Closed Account Reporting with Balance The account is marked as closed, yet it continues to report a balance of {$3700.00}, which is inconsistent with proper reporting standards. Closed revolving accounts should not continue to report an active balance in this manner.

2. Payment History Errors The account reflects multiple late payments even after being reported closed, which is misleading and may constitute inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). Furnishers of credit data are required to report with maximum accuracy.

3. Derogatory Reporting Without Proper Validation Continued derogatory reporting without proper notice or validation may be considered misleading and unfair under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VT

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Reporting Account Number XXXX To Whom It May Concern, I am writing to dispute the way you are reporting the above account. My credit file shows this account as a charge-off, which I believe is inaccurate or can not be verified. 
I am requesting that you : Provide proof that supports the accuracy of the charge-off status you are reporting. 
Correct or remove the account if you can not provide proper documentation. 
Notify all credit reporting agencies you report to of any changes. 
Please respond to this request in writing. If you can not verify the accuracy of the charge-off, I expect it to be removed from my credit file. 
Thank you for your cooperation. 
Sincerely, 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO XXXX  AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS.. 
XXXX  ACCOUNT : Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00}

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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing a late payment reported on my account that is inconsistent with my verified payment history. All payments were made on time, and the reporting of this false entry is both misleading and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
XXXX XXXX has repeatedly filed collections on a closed account. The first collector ceased collections when notified and they sold the debt illegally to Hillcrest Davidson. I attempted to contact the company to inform of them of the illegal collection and was berated by the representative. The calls were recorded and show the employee laughing, yelling, and further berating me when I told him I felt unsafe speaking with him and asked for another representative. Additionally he illegally threatened false legal action. He also lied and tried claiming I cant record them, but 1. I told him the call was being recorded and 2. I have no duty to tell him as its a one party consent state in XXXX. All call recordings will be submitted to show their behavior and illegal practices. He additionally threatened me with the attorney general which is also illegal and a lie. He has caused immense distress and harm as a result of his illegal actions. Due to his lies and false statements and threatening demeanor, I did not feel safe providing any more of my personal information which further angered him. He refused to transfer me to another representative inflicting additional distress due to his aggressive behavior. The calls need to stop and the debt needs to be dropped and removed from my credit immediately as its an illegal collection made worse by their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MD

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 2025-08-26 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: CA

Complaint narrative:
THIS IS FRAUD - I AM REPORTING THIS AS FRAUD I previously disputed an account from XXXX XXXX on my Experian credit report. I sent XXXX physical letters requesting documentation to validate the account to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these repeated requests, Ascent has never provided any supporting documents to prove the account is valid. Experian marked the account as verified as accurate and updated, even though no documentation has been provided to me. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), XXXX  is required to conduct a reasonable investigation when an item is disputed. Simply reporting it as verified without providing proof, especially when the furnisher has not substantiated the debt, is a violation of my rights under the FCRA. Additionally, XXXX attempted to make my access to documentation contingent on creating an online account, which is not legal. XXXX  has already removed this account from my credit report, demonstrating that Ascent has not substantiated the debt. Experians continued reporting of this unverifiable account, labeling it as accurate without documentation, has caused ongoing harm to my credit. It has been over XXXX weeks I have received no documentation, signatures, loan agreements, or any other form of evidence.

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 2025-08-26 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: TX

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization. I have never opened, authorized, or managed these accounts. This is unacceptable, as it presents inaccurate and misleading information about my financial history. I value my credit profile highly, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification regarding why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with explanation