vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Complaint Title : Pay for Delete Agreement Not Honored Account Still Reporting Negative Issue Description : I am submitting this complaint regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that was paid in full under a Pay for Delete agreement. Despite fulfilling the payment terms, the account continues to report negatively on all three credit bureaus ( Equifax, XXXX XXXX XXXX  ). 

Key Facts : Original Creditor : XXXX XXXX XXXXXXXX Account Type : Revolving Credit Card Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$0.00} Status : Negative ( with late payments still reporting ) Reporting Date : As recent as XX/XX/XXXX ( Equifax ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This continued negative reporting directly contradicts the terms of the Pay for Delete agreement made with the creditor, and is causing substantial harm to my credit profile. Additionally, it constitutes multiple violations of federal consumer protection laws. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) : Fails to maintain maximum possible accuracy. This account should no longer be reported negatively after a deletion agreement and full payment. 

Truth in Lending Act ( TILA ) 15 U.S. Code 1601 : Misleading and unfair credit reporting post-payment contradicts fair credit practices and consumer disclosure protections. 

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 : Negligent handling of agreed-upon private financial information without honoring consent-based terms.

Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 : Continued negative reporting impacts my ability to obtain future credit, and constitutes unfair treatment post-resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I closed my utility account with Florida XXXX and XXXX in XXXX and paid the final bill in full at that time. The company also held a deposit which was never refunded or applied to the final balance. 

In XX/XX/XXXX, a collection from I.C. Systems suddenly appeared on my XXXX  credit report. I disputed it with TransUnion, but it was verified even though the debt is inaccurate. 

I.C. Systems has not provided proof that this debt is valid or that any amount is truly owed. The debt should never have been reported, as there was no outstanding balance when the account closed. I am requesting its removal from my credit report.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Im filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 day neither of them have provided sufficient evidence to support the negative reporting. 

There is no way I could be late in XX/XX/XXXXXXXX  if the account was opened in XX/XX/XXXX. Please remove 30 day late payment and update account to current. 


XXXX Dated opened : XX/XX/XXXXXXXX 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an account that has been incorrectly added to my credit report. This account does not belong to me it appears to be a result of mixed or merged credit file information, and I need it resolved immediately.

Let me be absolutely clear : this account is someone elses, and it has nothing to do with me. I have never opened this account, never been associated with the company in question, and never authorized any activity tied to it.

This kind of mistake is unacceptable. It is damaging my credit through no fault of my own, and it's your responsibility to ensure that data reported under my name is accurate, verifiable, and belongs solely to me as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
On XX/XX/year>, I notified Fay Servicing that the account holder, XXXX XXXX had passed away on XX/XX/year>. I let them know that I had been attempting to keep up the payments but would be unable to continue and would not be able to make the XXXX payment. I received a response on XX/XX/year> asking me to supply the following, XXXX. Letter of testamentary - Will XXXX. Letter of administration - interstate XXXX. XXXX XXXX XXXX. Copy of the most recent deed or affidavit reflecting property transfer XXXX. Proof of relation - birth certificate/marriage license. 
I provided a copy of the death certificate, copy of my marriage license, and my passport. I explained that the letter of administration was in the works, was waiting for the judge to sign off on it. I also explained that the property had not been transferred, it was still in my mother 's name. 
On XX/XX/year>, I received an email from Fay Servicing asking again for the same information as listed above. 
On XX/XX/year>, I received an email from Fay Servicing asking again for the same information as listed above. 
On XX/XX/year>, I received an email telling me that the request was denied as the documents they requested had not been received. Once again, I supplied a copy of my marriage license and passport. I explained that this had been provided before but that my name appears on the birth certificate and listed as daughter. I also provided them with the letter of administration from the XXXX XXXX XXXX indicating I am the estate XXXX. 
After I supplied these documents again, I get another email tell me they had opened a case, and they would provide a timely response. 
On XX/XX/year>, Fay Servicing tried to take the monthly payment and then submitted it a second time, now resulting in a negative balance on my mother 's bank account. 
I informed them that I had been providing documentation they asked for for over XXXX weeks and there is still no resolution. I included the attorney 's name and number and copied them on the email. 
When a person passes away, it should not take this long for the family to have deal with a mortgage company and put the property on the list for probate. The initial request was made in enough time to have stopped the auto payment from being tried, I know i work for a financial institution that does mortgages, and I want Fay Servicing to refund the {$60.00} the bank took for each time they attempted to take a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
On XX/XX/XXXX Freedom Mortgage paid taxes out of my escrow to some random homeowners property I am not associated with. 
On XX/XX/XXXX Freedom Mortgage paid the wrong amount on my home insurance resulting in me having to catch up the payment to keep my home insurnace up to date and not canceled. 
I need to check the exact date but near XX/XX/XXXX I discovered my property taxes had not been paid and got to the bottom of what was going on which is when I found out they had paid the wrong property. 
On or near XX/XX/XXXX I demanded my escrow be removed at this point as my bills were not getting paid and I was at risk of losing my house to a tax lien and my insurance company threatening to drop coverage due to missed payments of this home insurance policy. 
On XX/XX/XXXX I was sent a full refund of my escrow balance and my escrow was dissolved to make it my responsilibity to pay my taxes and insurance.Which was at my request to insure I dont lose my home to a lien or lose insurance. 
On XX/XX/XXXX I was notified a tax payment had been made on my behalf even though my escrow had been dissolved and no money was in escrow anymore. My Escrow account was also reinstated because they company claims they recieved a late escrow payment letter ( Mind you this is the same letter that was sent to them the first week of XX/XX/XXXX with which I called to fix and we had already remedied the situation ) Now freedom mortgage states I cant removed my escrow. I have called and spent close to 4 hours on the phone trying to fix this as well as sent the company 4+ messages to have a manager call me to remedy this. They keep changing my mortgage payment month by month and for some reason changing where my payments are going. I feel what they are doing has to be illegal and want help with intervention in this matter.

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 2025-06-16 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
COMPLAINT SUMMARY TransUnion is violating the Fair Credit Reporting Act ( FCRA ) through systematic failures in dispute processing and maintaining inaccurate credit information. 

SPECIFIC VIOLATIONS : 1. INSUFFICIENT INVESTIGATIONS ( 15 U.S.C. 1681i ( a ) ( 1 ) ) TransUnion conducts inadequate reinvestigations by relying on automated systems that simply forward disputes without conducting reasonable reviews.

2. INADEQUATE INVESTIGATION DISCLOSURE ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Generic response letters fail to provide required detailed descriptions of investigation procedures actually used.

3. UNLAWFUL REINSERTION ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Previously removed inaccurate information is reinserted without proper data furnisher certification or consumer notification.

4. CHARGED-OFF ACCOUNT INACCURACIES ( 15 U.S.C. 1681e ( b ) ) Monthly updates to charged-off accounts with new dates and inflated balances create ongoing inaccurate reporting. 

RECENT ENFORCEMENT ACTIONS TransUnion has been subject to multiple recent CFPB and FTC enforcement actions totaling {$23.00} XXXX in penalties for FCRA violations, including failures in tenant screening accuracy and credit freeze procedures. 

HARM SUFFERED Rejected credit applications Increased interest rates Employment complications Ongoing stress from unresolved disputes RESOLUTION REQUESTED 1. Perform genuine, thorough and reasonable account level investigations per FCRA requirements with proof and evidence 2. Remove all inaccurate and unverifiable information listed in dispute 3. Stop improper reinsertion of deleted items 4. Compensate for damages caused by violations

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 2025-06-16 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 am a victim ofXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX - {$310.00}

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 2025-06-16 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-06-16 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: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX INQUIRIES XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A check was made out {$2100.00} check # XXXX dated XXXX to XXXX Collector, XXXX XXXX XXXX FL. My Truist bank statement showed that it was cashed XX/XX/XXXXXXXX  so as far as I was concerned the Tax Collector received it and was paid. In XX/XX/XXXX, I was contacted by the Tax Collector that a lien will be made on my property for non-payment of property taxes. It was at that time that I immediately took a copy of the cashed check to the Tax Collector and they certified that the check was not received by them and referred me bank to my bank. I had to file a fraud claim to include documentation which I did. After many follow-up calls and bank visits it was determined that the claim was denied because of the timeframe. That is unacceptable do to the fact that the bank paid out the money that was not payable to them and is not taking this responsibility. I've been client for a long time and their customer service claims to help you, but only transfers you from one place to another without being able to meet with someone who can actually make a decision based on facts and accept their responsibility. I'm retired and for this amount of money to be taken out of my Truist account because of an error made by them must be returned.

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 2025-06-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have reviewed my credit profile and seen some inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief