vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-03 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:
I am writing to demand the immediate deletion of an account that appears on my credit report which was opened and used fraudulently and without my authorization. This is a clear case of identity theft, and I will not accept responsibility for any activity, balances, or consequences tied to this illegitimate account. 

Let me be very clear : I did not open this account. I did not authorize its use. It does not belong to me, and it should never have been associated with my name, Social Security number, or credit file in the first place. Its presence on my report is not only inaccurate but harmful and entirely unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXX/XX/year> Transunion XXXX. XXXX XXXX XXXX PA XXXX Subject : Request to Correct Personal Information on My Credit Report Pursuant to the FCRA Dear Sir or Madam, I am writing to you pursuant to the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information on my credit report. 

Below, I detail the errors I have identified : 1. Incorrect name : My current legal name is XXXX XXXX XXXX XXXX, but it is registered as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I kindly request that my name be updated to the correct version. 


2. Outdated address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, while my report lists an outdated address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my address accordingly. 

3. Incorrect contact information : The phone number indicated, XXXX, is no longer in use. I request that it be replaced with my current phone number : XXXX. 

Copies of the following documents are attached in support of my application : A copy of my driver 's license or passport that verifies my correct name. 

A recent utility bill or bank statement showing my current address. 

An official document ( such as a phone bill ) that verifies my current contact number. 

I respectfully request that you research and correct the information described in my credit report. In addition, please provide me with written confirmation once these updates have been made, along with an updated copy of my credit report. 

Thank you in advance for your prompt attention and cooperation in resolving this matter. 

Sincerely 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am the lawful homeowner of XXXX XXXX, XXXX, CA. The core issue involves fraud related to my first mortgage loan of {$570000.00}, including a forged deed of trust used to attempt an unauthorized payoff, sale, and title transfer of my home without my consent. Additionally, there is a fraudulent deed of trust for {$72000.00} held by XXXX XXXX XXXX XXXX which is separate and also part of the fraudulent claims against me. Despite repeated requests, the servicer and related parties continue to provide only fraudulent documents and false payoff statements. This ongoing mortgage servicing and title fraud has caused significant financial and personal harm. I urgently request CFPBs immediate investigation and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
Equifax, and Experian is aiding in dual reporting fraudclaiming the debt is both " active '' ( for collections ) and " written off '' ( for tax benefits ) .This violates FCRA 1681s-2 ( furnisher liability ) and 1681e ( b ) ( requiring maximum accuracy ). -Prior response claiming the account was verified is legally deficient and violates multiple federal statutes. They're relying on data furnisher 's responses rather than conducting an actual investigation | XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ). - They have been committed to willfully non compliance -At this time, No verifiable proof of this alleged debt has ever been provided. Legally, this implies no such debt exists. Estoppel by Silence ( XXXX v. XXXX, XXXX S.W. 715, 719 ( Mo. 1926 ) ). - Provide the verification method including the documents showing the legal process and procedures used to verify the item, The date, name, and phone number of the person they contacted to verify the said information, and the contracts with the data furnisher 's that bear my wet ink signature for all CFPB disputes from XXXX and XXXX. If you can not provide any of the above within 15 days ( no time extensions will be permitted ), the accounts are not verified and must be removed immediately. -Numerous violations have occurred, including but not limited to 15 U.S.C . 1681i ( a ) ( 1 ) ( a ), 15 U.S.C. 1681i ( a ) ( 2 ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681n, 15 U.S.C. 1681o. Transunion has been the only Credit Reporting Agency to correct this issue. At this time, the CFPB needs to step in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/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 2025-07-03 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint under FCRA 605B, 609 ( e ), and 604 concerning the unauthorized use and disclosure of my personal identifying informationincluding my name, Social Security number, and credit fileby multiple companies.

These entities accessed, transmitted, or shared my information without my knowledge or consent. I did not authorize the sale, transfer, re-aging, or re-reporting of my data to third-party furnishers, debt buyers, or collectors with whom I have no established relationship. Additionally, several hard inquiries were made without my permission, constituting a violation of FCRA 604 ( lack of permissible purpose ).

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NY

Complaint narrative:
Never was notified or aware of the amount of the debt and also the person or company collecting. they fraudulently went to court underneath one name and then place another name on the three debt collectors information box have a court order from one person, but it was difficult to fight the fraudulent information when the court order has one name on there, and then the debt collector has another name on there supposedly the same company. I have been fighting this for two years .. never was able to show me anything reluctantly that state that I owe that to them they have placed a different amount on experian of {$2500.00}. on the other two they have put {$9000.00} +.. I feel like this was a tactic to get anyone that had XXXX  XXXX removed off the premises no longer was accepting it so they falsely put information against us to remove us from the property.

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 2025-07-03 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: TX

Complaint narrative:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
On XX/XX/year>, I attempted a transfer in the amount $ XXXX from my XXXX XXXX XXXXXXXX to my XXXXXXXX XXXX XXXXXXXX XXXX It sure have been completed within minutes. Instead, for no legal ( to my knowledge ) reason, Wise has stolen my money, denied me access to it in any manner. I want my transfer completed or the money returned to my XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
XX/XX/year>. {$250.00} dollars was sent to someone from my cash app account. 

XX/XX/year> dispute denied. 

XX/XX/year> dispute denied a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: KY

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their erroneous and damaging reporting of my credit account, which has severely impacted my credit score and financial well-being. I enrolled with XXXX XXXX XXXX XXXX with the understanding that their service would help build my credit, as advertised. However, their actions have resulted in unjustified negative reporting on my credit report, including late payments and a reported balance of {$200.00} on an account closed since XX/XX/XXXX, XXXX balance I dispute owing. 
Despite my good-faith efforts to resolve this, XXXX XXXX has been uncooperative and unresponsive, refusing to correct the inaccurate information. The account details show only 16 % of payments made on time, with instances of 30/60/90+ days late, yet I have no recollection of owing or missing payments to justify this reporting. This suggests either false advertisementmisrepresenting their service as credit-building when it harms creditor predatory practices designed to damage consumers financial standing. A consumer dispute reinvestigation is currently in progress, but the lack of resolution indicates a failure to comply with their obligations. 
I believe XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), by failing to conduct a thorough investigation and correct inaccurate data after my dispute. This has caused me significant distress and financial harm. I request that the CFPB investigate XXXX XXXX reporting practices, hold them accountable for their predatory behavior, and compel them to remove all negative entries related to this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-02 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last month, and for the past 4 months, I unverifiable been attempting to access my Experian account. It will not let me in, saying I have invalid credentials. When I attempt to reset them, the website crashes. Experience has refused to give me an actual human representative to talk to and is denying me my right to unlock my credit. The company has not resp9nded to any requests for help and the website is still broken.

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 2025-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
As a California resident, I assert my rights under the following laws : - California Financing Law ( Fin. Code 22100 ) Requires all lenders and finance companies to be licensed to offer consumer loans in California.

- California Constitution ( Article XV, 1 ) Prohibits interest rates exceeding 10 % for non-licensed lenders.

- Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Requires full and clear disclosure of APR, finance charges, and terms.

- Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Entitles consumers to full validation of debt. 
- California Civil Code 1670.5 Prohibits enforcement of unconscionable contracts. 

COMPLAINT FOR DAMAGES, DECLARATORY RELIEF, AND INJUNCTIVE RELIEF Plaintiff, XXXX XXXX, alleges the following against Defendant, Special Financing Company LLC : PARTIES 1. Plaintiff is a natural person residing in XXXX XXXX, California. 

2. Defendant is a Virginia-based company doing business with California consumers via online platforms. 

JURISDICTION AND VENUE XXXX. Jurisdiction is proper under the laws of the State of California. 

4. Venue is proper in XXXX XXXX because the harm occurred there and Plaintiff resides there. 

FACTUAL ALLEGATIONS XXXX. Defendant issued Plaintiff a consumer loan with an APR of 24.99 % for educational services. 

6. Defendant is not licensed to originate or service consumer loans in California.

7. Defendant failed to provide Truth in Lending Act disclosures and refused hardship accommodations. 

8. Plaintiff has made multiple attempts to resolve the debt and obtain documentation without success.

CAUSES OF ACTION Count 1 Unlicensed Lending ( Cal. Fin. Code 22100 ) 9. Defendant violated California law by extending a consumer loan without proper licensing.

Count 2 Usury ( California Constitution Article XV 1 ) 10. The APR of 24.99 % exceeds California 's lawful interest rate limits for non-exempt lenders.

Count 3 Unconscionable Contract ( Cal. Civil Code 1670.5 ) 11. The contract terms are grossly unfair and one-sided, creating a financial trap for Plaintiff.

Count 4 Violation of Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) 12. Defendant failed to provide federally required disclosures at the time of loan origination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the reporting of the XXXX XXXX XXXX XXXX account on my credit report. 

This account was first delinquent in XXXX, yet it is currently showing as recently reported with derogatory status and an updated closure/report date of XX/XX/XXXX. If the Date of First Delinquency has been altered or omitted in any way, this would constitute illegal re-aging under the FCRA. 

I request that you investigate this accounts DOFD and ensure it accurately reflects the original delinquency date in XXXX. If the DOFD can not be verified, or if the account has been re-aged improperly, I request it be deleted from my credit report immediately. 

Please provide written confirmation of your findings. 

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the reporting of the XXXX XXXX XXXX XXXX account on my credit report. 

This account was first delinquent in XXXX, yet it is currently showing as recently reported with derogatory status and an updated closure/report date of XX/XX/XXXX. If the Date of First Delinquency has been altered or omitted in any way, this would constitute illegal re-aging under the FCRA. 

I request that you investigate this accounts DOFD and ensure it accurately reflects the original delinquency date in XXXX. If the DOFD can not be verified, or if the account has been re-aged improperly, I request it be deleted from my credit report immediately. 

Please provide written confirmation of your findings. 

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Phone agent refuses to remove block from my 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