vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I took out a Home Equity Loan with Goodleap in XXXX of 2024 for roughly $ XXXX that was to consolidate several other loans ( including an HVAC loan ) as well as tohave spending money for home XXXX. At some point soon after, I got email from FIGURE LOAN for what I thought was the full amount.FIGURE LOAN emails provide a link that leads to a GOODLEAP Dashboard and Says : {$41000.00} 30 years fixed 10.200 % but at some point the loan was obviously SPLIT as {$1000.00} of it is still at Goodleap, and now that amount needs to be paid as well. When I brought this up recently as a side-matter with a Goodleap XXXX XXXX ( nearly XXXX weeks ago ), he said he would have someone look into this and call me back. When I call Goodleap now no one will help me figure out what is going on nor talk to someone higher up who can help me in this matter. I had no intention nor instruction that this loan was, for any reason, going to be broken up with XXXX different loans each with its own interest. 

FIGURE LOAN emails provide a link that leads to a GOODLEAP Dashboard and Says : {$41000.00} 30 years fixed 10.200 % My GOODLEAP : Account Number : XXXX FIGURE LOAN : No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
On XX/XX/2025 I paid off my balance of {$100.00} on my First Access card. The card carried a {$0.00} balance when I noticed they were charging fees on the account so I closed it in XXXX of XXXX. The fees were {$12.00} which the representative on the phone said those fees would be waived. Since then this slimy credit card company has charged me monthly fees and late fees with a balance of over {$100.00} reporting on my credit report when the account was XXXX and closed which is their billing error. These practices explicitly violate my rights under the Fair Credit Billing Act which requires timely and accurate billing statements.

On numerous occasions I have told this company that I do not owe anything further to them and will not be paying anything further and month after month they continue to add monthly charges, fees, and interest. The companies actions has negatively impacted my credit score and because of this I have obtained legal representation as well as this company has predatory lending practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 non-monetary relief
Consumer complaint received 2025-08-26 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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

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 2025-08-26 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: MA

Complaint narrative:
According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MA

Complaint narrative:
According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of 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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against Resurgent Capital Services and LVNV Funding for their unlawful actions in connection with an alleged account. 

This company failed to provide proper debt validation as required by the Fair Debt Collection Practices Act section 809 under 15 USC 1692g. Instead of producing the original signed agreement or proof that I ever consented to this account being created or transferred, they only sent a generic computer generated summary. That is not validation. The law requires the original signed agreement, proof of my wet signature, and documentation that I gave consent for my personal information to be transferred to them.

They also violated the Fair Credit Reporting Act section 611 subsection a1A by failing to respond within the XXXX  day timeframe that is required by law. The law states that all investigations must be completed within XXXX  days of receiving a dispute or XXXX  days if additional documents are provided. Their response was late and outside of the legal timeframe which alone requires deletion. Reporting a debt without timely validation is a violation and demands immediate removal from my credit files. 

This company has also ignored my documented medical hardship. I am under medical care and extremely stressed. They are aware of this yet continue reporting negative information and pursuing collection which is harassment and a violation under FDCPA section 806 and 807. 

Furthermore my private personal information has been passed between multiple third parties without my consent. I never authorized Resurgent or XXXX to possess or use my information. Under FCRA section 604 and section 609 I have a right to know who accessed my personal data and to see proof that I agreed to such transfer. They have not provided this proof. 

The company has created a pattern of abuse by failing to validate, failing to meet deadlines, misusing my personal data, and ignoring my hardship. Their continued reporting is unlawful and must be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and these inquiries remain on my report. This failure to act is unacceptable. 

The continued presence of these fraudulent entries raises serious concerns of identity theft and is causing me ongoing emotional and financial harm.

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 2025-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received the routine email I receive every month confirming my autopay amount to be taken out on the XXXX of each month for my XXXX XXXX loans serviced by XXXX  XXXX XXXX. I have been in repayment since XX/XX/XXXX and my total payment amount has always been {$710.00} divided among my four loans. My XXXX payment due was showing as {$1400.00} despite the fact that I have not missed a single payment for my entire time in repayment. I called the UAS customer service line and was told that the loan provider XXXX had likely misallocated one of my payments and they would submit my account for review. I then called for follow-up information on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX On all of these calls, I was told that there was no update from XXXX on the account review and there was nothing that could be done to assist me further. I also sent messages through the secure message center on XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I made an extra payment of {$710.00} to clear my past due balance and bring my loans current to avoid my account being reported to the credit bureaus, as the XXXX representatives I spoke with said they would be forced to do this if I did not pay the incorrect balance. My XX/XX/XXXX payment was then mistakenly returned to my account on XX/XX/XXXX, forcing me to make the payment again on XX/XX/XXXX to bring my account current again. As of XX/XX/XXXX, my account still has not been fixed and I have received very little information regarding how this issue occurred. I have asked to speak with a representative from XXXX directly and was told that was not possible. This issue has now been unresolved for almost 90 days. 

In addition to this previous issue, I am also experiencing a new issue with only XXXX of my loans where my normal payment due of {$170.00} has been doubled for XXXX. I called about that issue on XX/XX/XXXX and was told that they would report it to their back office for correction. This has not occurred as of today. 

This situation has caused me a great deal of needless stress and anxiety given the fact that I have been a borrower in good standing for almost XXXX years. There is absolutely no way that XXXX  or XXXX would accept a borrower being almost 90 days past due, and I think it is absurd that they have not been able to provide a resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, they still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is alarming and strongly suggests possible identity theft.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: ID Analytics, Inc.
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past XXXX  years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against BMO Bank regarding an unsatisfactory experience with their customer service.

I recently contacted BMO Bank to address a dispute concerning my account. Unfortunately, the customer service agent I spoke with did not handle the dispute effectively, leaving my concerns unresolved. This lack of proper assistance has caused significant frustration and has hindered my ability to manage my finances appropriately.

I expect BMO Bank to take this matter seriously and ensure that my dispute is addressed promptly and professionally. I also request that appropriate measures be taken to improve customer service training to prevent similar issues in the future. 
Thank you for your attention to this matter. I hope for a swift resolution and appreciate your assistance. 

Sincerely, 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting a XXXX  day late payment in XXXX, while the account is simultaneously reported as open, current, and in good standing as of XX/XX/year>. This contradiction demonstrates an inaccurate and misleading representation of my payment history.

Company response to consumer: Closed with explanation