vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
My wife and I are currently under contract to purchase a home in XXXXXXXX XXXX with expected closing date of XX/XX/year>. We are working with XXXX  for our mortgage. On XX/XX/XXXX, our mortgage application was conditionally approved by XXXX, and the loan processor XXXX XXXX XXXX XXXX emailed our loan commitment letter to the wrong person, exposing our personal information in the process. Apparently, XXXX learned after the fact that she had made a mistake, but she did not send us our commitment letter right after. It was not until XXXX business days before closing in the morning of XX/XX/XXXX ( after I had reached out to XXXX on a different matter ) that she finally emailed me the commitment letter, but XXXX cc 'd the wrong person again, so our personal information was exposed once more. We also lost XXXX week of time - XXXX had a request outstanding for additional documentation from us - and that is time we lost that we could have spent preparing those additional documents, risking delays to our closing date. We were contacted by XXXXXXXX XXXX manager, XXXX XXXX XXXX, on the same day on XX/XX/XXXX and we requested XXXX to provide details on what exactly happened, what personal information was exposed, and what corrective action XXXX would take, including confirming with the recipients that they had deleted the email and/or offering a goodwill credit toward closing costs or rate improvement as a gesture of accountability. XXXX responded later in the afternoon of XX/XX/XXXX admitting they made a mistake but unfortunately there was nothing they could do apart from changing our loan number at booking ( which is always the case and therefore not corrective action ). Importantly, there was no mention of what happened and what personal information was exposed, creating anxiety about our privacy and uncertainty over what we need to do to protect ourselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I received a Final Account Statement from my previous apartment complex stating a balance of {$1000.00}. The leasing office confirmed via email that this balance was shared between me and my roommate, as we were co-tenants. Despite that, the debt was forwarded to National Credit Systems, who is now trying to collect the full balance from me alone.

I submitted a f
ormal dispute and a request for debt validation through their online portal and also emailed them. It has been over 14 days, and I have not received any response or documentation. I believe this is an unfair collection practice and a misrepresentation of the amount I legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation
State: GA

Complaint narrative:
1. The account reflects a {$0.00} balance yet is still marked as charged off, despite being sold/transferred.

2. The original balance is not disclosed, violating disclosure obligations.

3. Reporting a charge-off after the sale of the account may indicate duplicate derogatory reporting, which misrepresents my creditworthiness.

4. The account status has not been updated accurately since the sale to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These credit inquiries were not made by me and I have no involvement with the creditors listed. I request that they be removed promptly.

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 2025-07-31 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:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2025 at approximately XXXXXXXX XXXX hours, I made contact with Equifax Credit Reporting Agency and Spoke with XXXX Team member XXXX ( Operator # XXXX ) in regards to the inaccuracy of personnel information in my credit report, and requested that the inaccuracy or incomplete under FCRA Section 607 ( B ) outdated and no longer valid that is not associated with this writer, updated with my correct and current address to maintain the maximum possible accuracy of my credit file. I have made several attempts with in this matter, as well as the entire inaccuracy of my Credit Reporting Profile with all 3 Credit Reporting Agencies with not a lot of support in them Correcting the inaccuracies.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2025 at approximately XXXXXXXX XXXX hours, I made contact with Equifax Credit Reporting Agency and Spoke with XXXX Team member XXXX ( Operator # XXXX ) in regards to the inaccuracy of personnel information in my credit report, and requested that the inaccuracy or incomplete under FCRA Section 607 ( B ) outdated and no longer valid that is not associated with this writer, updated with my correct and current address to maintain the maximum possible accuracy of my credit file. I have made several attempts with in this matter, as well as the entire inaccuracy of my Credit Reporting Profile with all 3 Credit Reporting Agencies with not a lot of support in them Correcting the inaccuracies.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My account was closed in the middle of XXXX. Around XX/XX/XXXX. I had a remaining balance of around {$2300.00}. They said after account closes the balance should be sent in XXXX business days. It is now XX/XX/XXXX and still nothing. After plenty of calls to the department and even going to the branch. Each call, especially the call on XX/XX/26 with XXXX in the fraud escalation department, was the same rant about how my account was still under investigation/ review even though it was already closed and how they could only put notea for the higher department that takes care of the investigations and no number or way to get ahold of them which makes no sense. It has been almost XXXX  months and it feels like we are still at step 1. Chase customer service has been awful. I just want the money that belongs to me and so far it has been held hostage for literally no reason. Something needs to be done and this needs to be fixed and settled asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 the victim of identity theft. The following fraudulent accounts have appeared on my credit reports without my knowledge, authorization, or consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Charged-Off {$1200.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Written Off {$800.00} XXXX. XXXX / XXXX Account # : XXXX Opened : XX/XX/XXXX Written Off {$3400.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Closed with Late Payments {$370.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charged-Off {$1000.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Closed with Late Payments {$520.00} These accounts were not opened by me, nor did I receive any benefit from them. I have submitted a police report, identity theft affidavit, and supporting documentation to each credit bureau under FCRA Section 605B, requesting immediate blocking and removal.

Additionally, numerous unauthorized hard inquiries tied to this identity theft event remain on my credit reports. I did not initiate or authorize these applications, and I request their removal under FCRA Section 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am formally disputing inaccurate, unauthorized, and fraudulent entries listed on my Equifax credit report. These include identity theft-related accounts, personal data inaccuracies, and unauthorized inquiries.

Unauthorized Inquiry ( FCRA 604, 609 ) : XXXX Inaccurate Personal Information ( FCRA 611 ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or Unverifiable Accounts ( FCRA XXXX, XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this dispute directly and have not hired any credit repair agency. I am also a documented victim of the XXXX  Equifax Data Breach. Under my rights provided by the Fair Credit Reporting Act ( FCRA 604623 ), I request a full reinvestigation and removal of all inaccurate, unverifiable, or fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX RE : Final Formal Demand to Remove Unauthorized XXXX XXXX Furnishing Litigation Pending Dear Compliance Departments : This letter serves as your final demand and legal notice before immediate litigation is commenced. I, XXXX XXXX XXXX XXXX, am contacting you regarding the continued furnishing and reporting of a child support enforcement account allegedly originated by the XXXX XXXX XXXX XXXXXXXX, which you are displaying on my credit report without any legal authority, valid contract, or my express written consent. 
Despite multiple disputes and complaints to the Consumer Financial Protection Bureau ( CFPB ), you have continued to furnish and publish inaccurate, harmful, and unauthorized data under my name and Social Security number. 
Let it be clearly stated : I have no contractual relationship with XXXX XXXX XXXX XXXX 
You have not produced any evidencenor can youthat I ever consented to this data being shared or published. 
You are now knowingly and willfully violating federal law through continued reporting. 
This demand is being made under the authority of the following federal laws, among others : Applicable Federal Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b ( a ) ( 2 ) Permissible Purpose 1681e ( b ) Reasonable Accuracy Procedures 1681c ( a ) Obsolete/Unlawful Reporting 1681s-2 ( a ) ( 1 ) ( A ) Accuracy by Furnishers 1681n Civil Liability for Willful Noncompliance 1681o Civil Liability for Negligent Noncompliance Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( if applicable ) U.S. Constitution : Right to Privacy & Due Process ( if state agency participation is claimed without consent )

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint because Aidvantage XXXX has knowingly obstructed and misrepresented my federal student loan status despite clear, documented eligibility for XXXX XXXX forgiveness. 

On the official studentaid.gov website, all XXXX of my loans are listed as XXXX for XXXX XXXX forgiveness. Despite this, Advantage has : 1. Issued an improper Closed School Discharge Denial even though I did not submit such an application.

2. Denied or misdirected my Borrower Defense application despite clear, published guidance from the Department of Education.

3. Continued to accrue and report interest and balances that should be in immediate suspension pending review. 

This is not merely poor servicingit is active obstruction and misrepresentation that violates federal servicing obligations under : XXXX XXXX. XXXX ( Direct Loan Servicing ) FCRA ( for inaccurate loan status reporting ) Consumer Financial Protection Act ( UDAAPunfair and deceptive acts or practices ) I am demanding the following actions : Immediate transfer of my account for XXXX XXXX, Written confirmation that my loans are placed in proper forbearance pending XXXX XXXX resolution, Investigation into Advantages improper denial and obstruction of my rights as a borrower. 

I am referencing screenshots from XXXX clearly showing my loan eligibility for forgiveness. 

Aidvantage is not the Department of Education. They are a loan servicer with no legal authority to deny or override XXXX XXXX eligibility. Their actions have caused harm by delaying the resolution of my loans and improperly inflating my balance through interest accrual while I am trapped in unnecessary disputes. 

I request immediate escalation and regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I was contacted by XXXX XXXX XXXX about a settlement offer on a repossessed vehicle from XXXX. On XX/XX/XXXX, I responded and requested documentation in writing before considering any resolution. I specifically asked for : -The sale price of the vehicle -A copy of the notice of sale or auction -A full itemized breakdown of the remaining balance -A copy of my original loan agreement and payment history Instead of providing the documentation, they sent a generic response asking me to call. I called and spoke first with XXXX, who transferred me to XXXX. I clearly stated to both representatives that I was simply following up on my written request for documents. XXXX said he needed to place me on hold, and then disconnected the call with no follow-up. 

I followed up again in writing but still have not received any of the documentation I requested. 

I am concerned that the balance they are attempting to collect over {$8800.00}, is inflated, inaccurate, or unlawful. Their refusal to provide basic documentation and their avoidance of written communication raise serious concerns about the handling of this account. I believe this situation warrants investigation.

Company response to consumer: Closed with explanation