vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: ND

Complaint narrative:
I have been trying to get my funds from a closed account since XX/XX/XXXX Credit karma has said they have mailed me a check with my funds XXXX different times and I am yet to actually receive the check. 

Once when the account was closed and I am not sure when that was as it was done without my knowledge. 

Once on XX/XX/XXXX Once in XX/XX/XXXX They tell me that I am only able to communicate with them regarding this via email and have been sending emails since not receiving the check in XXXX with no response. I called again today and was told the same thing, that I can only reach them via email but they will not respond to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX, I saw an advertisement that Netspend was offering its Debit Account XXXX USD bonus after XXXX business days of receiving a XXXX USD direct deposit and activating the card. I made a direct deposit of XXXX USD on XX/XX/XXXX and activated the card on XX/XX/XXXX. However, as of today, I still haven't received the XXXX USD bonus in my Netspend 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 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In my complaint XXXX you claim its a duplicate request SECOND REQUEST YOUR COMPLAINT Send me the XXXX XXXX XXXX number and identify from XX/XX/XXXX to present when Mr Cooper and Mr Cooper Home Loans was started and terminated during those XXXX  years also send the registered agent in XXXX  from XX/XX/XXXX to present include the agents name address the document number entity name the XXXX number and the authorized person details, In addition send me the same information for the state of XXXX  identify the date and entity name while you serviced this mortgage, what entity was servicing the loan prior to you and who was the servicer you transferred the mortgage to after your servicing Federal penalties : Unlicensed money transmitting business Operating an unlicensed money transmitting business is a federal white-collar crime under 18 U.S. Code XXXX. 
Bank Secrecy Act and FinCEN regulations The Money Laundering Suppression Act of XXXX, which falls under the Bank Secrecy Act ( BSA ) and FinCEN regulations, mandates that every XXXX be registered. 
Operating an unregistered XXXX is a federal crime. 
Failure to comply with registration requirements ( including filing false or incomplete information ) can result in a civil penalty of up to {$5000.00} for each violation. 
Each day a violation continues constitutes a separate violation.

The Secretary of the Treasury can also bring a civil action to stop the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LD Holdings Group, LLC
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unverifiable information being reported to the credit bureaus concerning my former account with LoanDepot.com LLC, account number XXXX. This letter serves as a direct dispute under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ), which grants me the right to request a reinvestigation of information furnished to consumer reporting agencies. 

The account in question, which was opened on XX/XX/XXXX, and is now closed, is reporting a XXXX late payment for XX/XX/XXXX to at least XXXX national credit reporting agency XXXX XXXX XXXX XXXX ). However, this same account has been deleted entirely from my XXXX  credit file, suggesting either a failure to verify the accuracy of the derogatory information or a decision by the bureau to remove the data due to inconsistencies or non-compliance. 

Under the FCRA, all furnishers of information must ensure the accuracy and completeness of the data they report. Moreover, XXXX XXXX reporting guidelines, as maintained by the Consumer Data Industry Association ( CDIA ), require that furnishers report information consistently, and that any data which can not be verified must be corrected or removed. Reporting a late payment to some bureaus while it is deleted from others raises legitimate concerns about the reliability of your records and the accuracy of the data being furnished. 

I hereby request that you conduct a thorough investigation into the reporting of this alleged late payment. If you can not provide full documentation validating the accuracy of the XX/XX/XXXX late paymentincluding a full payment history, account statements, and proof of proper noticeI request that you immediately update your records with all consumer reporting agencies to remove the derogatory late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
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: NY

Complaint narrative:
I am filing a formal complaint against Equifax for continuing to report a student loan account as active on my credit file, even though it was legally canceled and verified as such by the Internal Revenue Service ( IRS ). 

The debt in question, serviced by XXXX XXXX, was canceled on or around XX/XX/XXXX, as documented in a valid IRS Form XXXX issued by the creditor. The XXXX amount was {$3300.00}, and the cancellation was legally recognized and declared as income in my XXXX federal tax return. The IRS accepted and processed this cancellation in compliance with 26 U.S. Code 6050P, which governs the reporting of canceled debts. 

Despite this, Equifax has failed to remove the account from my credit report. I submitted at least XXXX formal disputesin XXXX and again in XXXX XXXX all supporting documentation, including the XXXX XXXX, my tax filing, and correspondence with the creditor. However, Equifax continues to report the account as valid without supplying any proper verification or legal basis for doing so. 

This is in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed information and delete unverifiable items.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers not to report information known to be inaccurate. 

Additionally, I continue to receive collection letters and calls from XXXX despite the legal discharge of the debt. This not only represents a potential FDCPA violation, but also raises privacy concerns. The public disclosure of my canceled financial obligation to credit reporting agencies without a valid legal purpose is unauthorized and unlawful under FCRA and the Gramm-Leach-Bliley Act ( GLBA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am the rightful owner of XXXX XXXX XXXX XXXX. My business information was compromised by an unknown individual, who used it to open a fraudulent mobile account without my knowledge or consent. I did not authorize the opening of this account, nor did I authorize any services or transactions associated with it. 

As a result of this fraudulent activity, a debt in the amount of {$2100.00} has been reported against me. This debt is false and has caused significant harm, including hindering my ability to establish new lines of credit for my business. This activity is the direct result of fraud and identity theft and must not be attributed to me or my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
For over XXXX years, I have attempted to receive my credit score from TransUnion. On my call on the XXXX of XXXX with TransUnion, I was told my social security number was incorrect, and I would have results within 5 days from the company. I received mail after those 5 days, not only without a credit score, but also with an incorrect spelling of my name, which I never gave. I called today, XX/XX/XXXX to dispute this again and spoke with an agent named XXXX who I requested escalate my claim. He has put my on hold for over half an hour. XXXX then picked up the phone and told me I was incorrect to file a report, and too early to make an inquiry, as well as denied that my name was wrong in the system. I will now check XX/XX/XXXX to see if the status of my account. 
After being on the phone with XXXX, he gave me a different file number than the one I received in the mail for my complaint and told me that I was given the wrong information. From my understanding at this point, TransUnion is not addressing my support needs appropriately has caused me long term issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
is issued under the authority granted to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I believe that your recent attempts to contact me violate the provisions of the FDCPA, and I am asserting my rights under this federal law. The following violations have come to my attention : Communication Restrictions : The FDCPA grants me the right to request that you cease all communication with me concerning the alleged debt. As of the date of this letter, I am exercising that right and hereby demand that you cease all communication attempts, including phone calls, emails, letters, or any other form of contact. Failure to comply with this request will be considered a violation of the FDCPA. 
Harassment and Abuse : The FDCPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses the consumer. I believe that your actions, including [ specific instances of harassment ], constitute harassment and are in violation of the FDCPA. Such behavior is unacceptable and will not be tolerated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-01 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
My Experian credit report shows my account information belonging to another person with a similar name. Wrong addresses and phone numbers. This person lives in another city. My information showed that I was married to someone I have never heard of. It shows that I owe money to businesses I've never done business with and bank accounts that I have never opened. My report says I have bank accounts with XXXX XXXX, XXXX XXXX, " XXXX XXXX XXXX XXXX '' and " XXXX XXXX and I have never used any of these. It says a lot of businesses got a copies of my credit report and that I have never done business with. My account started getting flagged by collections in XXXX. This person is using my account to get loans and open bank accounts. 
On XX/XX/XXXX there was a new address added to my account that did not belong to me- XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 
XX/XX/XXXX a new account with XXXX XXXX was opened, XX/XX/XXXX, they raised my credit limit. 
XXXX XXXX XXXX XXXXXXXX got a copy of my credit report XX/XX/XXXX " XXXX XXXX XXXX XXXX got a copy of my credit report XX/XX/XXXX new address added to my account - XXXX XXXX XXXX XXXX Tx XXXX XX/XX/XXXX. XXXX XXXX got a copy of my credit report and an account was opened under my name. 
Both of the new addresses added to my account can not be removed by Experian because of collections against them.

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