vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
Dear Compliance Officer, I am writing to formally file a complaint against First National Bank of Pennsylvanias Mortgage Division regarding the mishandling of my homeowners insurance and escrow account. 
The issue began when my prior homeowners insurance company informed me that they could no longer provide wind coverage. With one month remaining on my existing policy, I immediately engaged my insurance consultant, who secured a new policy that included wind coverage. My consultant promptly sent proof of this policy to the mortgage company. 
Despite receiving valid evidence of coverage, the mortgage company withdrew funds from my escrow account to purchase a forced-placed insurance policy, assuming incorrectly that I was uninsured. As a result, I was notified that my monthly mortgage payment would increase by {$2100.00}. 
Although my consultant arranged for my insurance company to send over {$12000.00} to my escrow account to restore my payment to its original amount, the mortgage company refused, citing an alleged lapse in coverage. I provided documentation multiple times showing that coverage never lapsed, but the forced-placed insurance remains on my account. 
Over the course of several months, I have made repeated attempts to resolve this issue with the mortgage division, including sending proof of insurance on five occasions. Nonetheless, my account was sent to collections, and I began receiving threatening letters demanding payment of the inflated mortgage amount. 
At one point, a bank representative advised me to pay the increased amount for XXXX, assuring me that I would be refunded once the insurance division verified my coverage. Despite my compliance, no refund was issued. Instead, I was asked to pay the inflated amount again in XXXX with the vague assurance that the bank might refund me, depending on their escrow review. In total, I have already paid approximately {$4200.00} in excess charges, with no resolution to date. 
Adding to the frustration, a subsequent escrow analysis resulted in my original note being raised by an additional {$800.00}, further compounding the financial burden. 
This situation has caused undue financial strain and frustration. I have provided all necessary documentation proving continuous insurance coverage, yet the bank has not corrected its error or refunded the improperly collected funds. I respectfully request your offices intervention to ensure that this matter is resolved promptly, including the removal of the forced-placed insurance, the restoration of my correct mortgage payment, and reimbursement of the excess funds I have paid. 
For your reference, I have enclosed copies of the relevant correspondence and documentation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C & 1681i ), 609 ( 15 U.S.C & 1681g ), and 604 ( 15 U.S.C & 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding unlawful debt collection and credit reporting practices related to an alleged XXXX account now being pursued by XXXX. 

This debt is invalid because XXXX failed to fulfill their contractual obligations. I never received the full set of custom aligners or replacement trays needed to complete treatment. Despite multiple attempts to resolve the matter with XXXX directly, the services were never rendered. Shortly thereafter, XXXX filed for bankruptcy, further preventing fulfillment of their obligations. This constitutes a breach of contract, which voids enforceability of any financial obligation. 



FDCPA Violations : XXXX. Continued XXXX After XXXX and XXXX ( 15 U.S.C. 1692c ( c ) ) : On XX/XX/year>, I formally sent written notice disputing the debt and demanding that all collection efforts cease. Despite this, on XX/XX/year>, Vod/TekCollect contacted me again with a settlement offer. This is a direct violation of my cease and desist request and the FDCPA. 
XXXX. XXXX XXXX XXXX of a Disputed Debt ( 15 U.S.C. 1692e ( 8 ) ) : Vod/TekCollect reported the alleged debt to the credit bureaus on XX/XX/year>. Even after my dispute and cease notice, they continued collection activity without correcting or marking the tradeline as deleted/disputed. This is a deceptive and unlawful practice.

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 2025-09-08 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Unknown - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX FACTUAL DATA These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-08 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-08 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-09-08 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: OH

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 : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$56.00} XXXX  XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, XXXX 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 2025-09-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I want reported accounts to be removed. 

I am writing under the rights granted to me by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), to formally remove the inaccuracy of the following information listed on my Equifax credit report. THIS IS NOT MY DEBT This is false information that is being reported.

The practice violates the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i which mandates immediate removal of inaccuracies. 

Remove form all credit reports XXXX, XXXX XXXX, and XXXX once investigation is complete and in timely manner as these false and incorrect collections are damaging my credit. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account number * * * * * * * * * * * XXXX Opened XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX Bank Account XXXX XXXX * * * * * * * * * * XXXX Opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Bureaus {$3000.00} LVNV FUNDING LLC {$860.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Service Group {$570.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$260.00} Portfolio Recovery {$660.00} LVNV Funding LLC {$1100.00} XXXX and Associates {$240.00} XXXX XXXX XXXX XXXX XXXX 
{$430.00} XXXX XXXX XXXX {$1000.00XXXX XXXX XXXXXXXX {$980.00} Opened XX/XX/XXXX XXXX XXXX {$850.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX {$1700.00} Opened XXXX XXXX, XXXX XXXX {$750.00} Opened XXXX XXXX XXXX {$150.00} Opened XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was served legal papers at my home without first with any contact over the phone or through the mail. They just decided to file legal documents against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VT

Complaint narrative:
I am writing to file a complaint against Fifth Third Bank regarding my attempts to close a checking and a savings account. 

I have faced significant difficulty in closing my accounts due to several issues, including the banks refusal to transfer funds over the phone and the unreliability of their online banking platform for international users. After finally managing to zero out the balance by navigating these hurdles, my accounts were charged with fees for having a XXXX balance. 

When I attempted to close the accounts, on XX/XX/year>, I was told they could not be closed because they now have a negative balance due to the fees. Fifth Third Bank has refused to waive these fees in full ( though they did waive XXXX of the XXXX {$11.00} fees ), which I believe were incurred unjustly as a direct result of their own policies and technical issues. It is unreasonable to charge fees for a XXXX balance, which is a prerequisite for closing the accounts. This has created a XXXX situation, making it impossible for me to close my accounts. 

I have spent considerable time attempting to resolve this with the bank, but they have not provided a solution. I request your assistance in addressing these unfair practices and enabling me to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> an order was placed with XXXX 's XXXX for the amount of {$26.00} that was charged to my bank account. The transaction was never credited back into the account.

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 2025-09-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 explanation
Consumer complaint received 2025-09-08 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: KS

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate and contradictory information on my credit report. 

The account shows both Closed at consumers request and Charged off, which can not both be true. 

The reported balance is {$880.00} on a {$700.00} credit limit, which is inaccurate. 

The account was charged off in XX/XX/XXXX, but the company continues to update the payment history with new CO ( charge-off ) notations each month through XX/XX/XXXX. This re-aging creates the false impression of ongoing delinquencies. 

This inaccurate reporting harms my credit by making it appear that I am more overextended and delinquent than I actually am. 

I disputed this with the credit bureau, but the company has not corrected the errors. This violates the Fair Credit Reporting Act : FCRA 607 ( b ) : information must be reported with maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : furnishers may not report information they know or should know is inaccurate. XXXX XXXXXXXX XXXX is reporting inaccurate and contradictory information on my credit report. The account shows both Closed at consumers request and Charged off, which can not both be true. The reported balance is {$880.00} on a {$700.00} credit limit, which is inaccurate. The account was charged off in XX/XX/XXXX, but the company continues to update the payment history with new CO ( charge-off ) notations each month through XX/XX/XXXX. 

This re-aging practice misleads lenders by making it appear I am repeatedly delinquent long after the actual charge-off. It also inflates my balance beyond the credit limit, creating a false impression of overextension. 

I disputed this, but the errors remain. This violates the XXXX XXXX XXXX Acts accuracy and furnisher reporting requirements. I am requesting deletion of the tradeline because the reporting is contradictory, over-limit, and re-aged, and therefore can not be corrected while remaining compliant.

Company response to consumer: Closed with explanation