vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: FL

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Last Activity : XX/XX/XXXX Status : Charged-off / Installment Auto Loan Chronology conflict Account reports activity and high balance XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX no verificables. 
Reporting can not be verified without prohibited re-aging.

Violation : FCRA 623 ( a ) ( 5 ) Delete

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 2025-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
As a result of identity theft frm an XXXX data leak my info was stolen as used to finance things in my name that were not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-24 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: FL

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Last Activity : XX/XX/XXXX Status : Sold ; Charged-off Chronology conflict Account continues reporting activity after closure with unverifiable dates. 
Reporting can not be verified without prohibited re-aging. 

Violation : FCRA 623 ( a ) ( 5 ) Delete

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 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I have a conventional, 30 year mortgage loan owned by Fay Servicing. My loan to value ratio ( XXXX ) has been confirmed by Fay Servicing to be 78 %, yet they will not remove it, and continue to make me jump through hoops or hang up on me when I call. 

/// First, I called on Saturday, XX/XX/XXXX, and did not receive a response. They are closed on weekends. Then, I called again on Monday, XX/XX/XXXX to inquire about my loan to value ratio, and what it would take to get my PMI removed. This called last for XXXX minutes, and I was told by the representative of Fay Servicing that an escrow analysis would be done. On Friday, XX/XX/XXXX, I called again. This was a XXXX minute call, and I was told my XXXX was at 78 %, and therefore I was eligible for PMI removal. I was told to email XXXX, and provide a physical signature for written authorization, the date, loan number, and the property address. I was told I could hand write this, take a picture, and email it to XXXX, and this would be considered sufficient. On Friday, XX/XX/XXXX, at XXXX XXXX, I sent an email that said : " Hello, Please remove the PMI for : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Loan : XXXX Date : XX/XX/year> I have attached a photo this written request with the verification and the signature. I look forward to hearing from you. 

Thank you, XXXX XXXX '' The attached photo reiterated the same information, as well as my signature. On Friday, XX/XX/XXXX, and XXXX XXXX, I received an automated message saying my case number was XXXX, and my inquiry would be reviewed. On Monday, XX/XX/XXXX, I received an automated email saying case number XXXX was resolved, and to please see a document sent to my email for my review. On Monday, XX/XX/XXXX, I received a separate email saying to please see the attached for review. The attached document was a PMI letter I needed to attest to, sign, and date. I responded on Monday, XX/XX/XXXX within an hour, and said : " Good afternoon, Thank you for sending this! Unfortunately, I do not have a printer. Could I hand write my response and take a photo again? Or would an email response be sufficient? 

Thank you, XXXX XXXX '' On Tuesday, XX/XX/XXXX, they said " Thank you for your email. Please be advised that the signature will need to be on the letter and the letter returned. '' I received no further email correspondence. On Wednesday, XX/XX/XXXX, I called first at XXXX XXXX XXXX and when I finally reached someone, they hung up on me before even pulling up my account. I called back at XXXX XXXX XXXX and was able to reach someone. I explained the situation, and asked if the PMI would be removed on it's own, or if there was any alternative. I do not have a printer. She suggested I go to a library, and I advised that was not an option for me. I asked to speak to a supervisor, and she put me on hold and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
Upon me reviewing my credit reports I noticed accounts opened in my name without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
Upon me reviewing my credit reports I noticed accounts opened in my name without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Last Activity : XX/XX/XXXX Status : Charged-off / Installment Auto Loan Chronology conflict Account reports activity years after opening ; original first delinquency date not verifiable.

Reporting can not be verified without prohibited re-aging.

Violation : FCRA 623 ( a ) ( 5 ) Delete

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 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint regarding the handling of my settlement benefit in the Capital One 360 Savings Account Interest Rate Litigation, In re Capital One 360 Savings Account Interest Rate Litigation, No. XXXX ( XXXX XXXX XXXX ) XXXX received the Important Legal Notice of Class Action Settlement 360 Savings Account Interest Rate Litigation, which states that I am a member of the Settlement Class as a current or former 360 Savings accountholder between XX/XX/XXXX and XX/XX/XXXX. 

According to the notice, the Settlement provides a XXXX XXXX Settlement Fund for cash payments based on historical account balances and an additional XXXX XXXX in increased interest payments for customers who maintain 360 Savings accounts. The notice further explains that class members do not need to file a claim and that, if no action is taken, a check will be mailed to the last known address for payments of 5 or more, and that smaller amounts can be received electronically if the member selects that option by XX/XX/XXXX. 

Despite this clear language, the contact center has repeatedly refused to acknowledge my entitlement and has not provided clarity on my payment status. Specifically : Representatives have stated that they can not see any settlement benefit associated with my account, even though I received an individualized notice with a Unique ID and PIN. 
When I requested escalation, I was either transferred back to the same general line or told that nothing can be done, without any written confirmation or investigation reference number. 
I have not received a check, an electronic payment option, or any written explanation for the nonpayment, even though the notice indicates that payments will be issued to Settlement Class members who do not opt out. 

This refusal to acknowledge or process my benefit contradicts the terms described in the official settlement notice and leaves me without the compensation I am legally entitled to as a Settlement Class member. I am requesting the following : [ Attachment ] A written confirmation of my status as a Settlement Class member, including whether a payment has been or will be issued, and in what form.

Immediate processing and issuance of any cash payment and/or increased interest benefit owed to me under the settlement.

A written explanation of why contact center staff refused to acknowledge my settlement benefit and what corrective steps will be taken to prevent similar issues for other class members.

Enclosed/attached is a copy of the Email Notice of the Capital One 360 Savings Account Interest Rate Litigation settlement that I received, which includes my name, Unique ID, and PIN. Please treat this as a formal complaint and provide a written response within 30 days. 

Thank you for your prompt attention to this matter. 

Open the shared document : https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
To : MOHELA / [ Student Aid ] Address : [ XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute of Account Information Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the [ accuracy/servicing/reporting ] of my student loan account managed by MOHELA. This dispute is based on specific errors in the administration of my loans, which align with the systemic servicing failures currently being addressed in ongoing litigation against your organization. 
My dispute is based on the following grounds : [ Point 1 : e.g., Failure to process IDR application ] I submitted my Income-Driven Repayment ( IDR ) application, but it was not processed within the required timeframe, resulting in [ unnecessary interest accrual/incorrect billing ]. 
[ Point 2 : e.g., Billing Errors ] I was billed an incorrect amount which does not reflect my approved payment plan.

[ Point 3 : e.g., PSLF Mismanagement ] My Public Service Loan Forgiveness ( PSLF ) payment counts have not been updated correctly despite submitting the required employment certification.

Supporting Documentation : Attached to this letter, please find copies of [ list documents : e.g., payment receipts, screenshots of your portal, previous correspondence ]. 
Requested Action : In light of these errors and the documented history of servicing failures currently under legal scrutiny, I request that MOHELA : Correct the errors listed above within 30 days. 
Provide a full accounting of my payment history and interest accrual. 
Ensure that no negative information is reported to credit bureaus while this account is in an active dispute status. 
I expect a written response acknowledging the receipt of this dispute and a timeline for its resolution. 
Sincerely, [ XXXX XXXX ] [ ( XXXX ) XXXX ] [ XXXX XXXX XXXX XXXX XXXX Michigan XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LENDING LLC
State: CA

Complaint narrative:
In early XXXX of this year I was contacted by a representative of Lake View Lending, XXXX XXXX, I let him know that we were looking to re-fire our and XXXX XXXX for a refi loan for our home and began that process and sending him documentation, the loan estimate came back and the closing cost were very high so I was doing my due diligence and sent the loan estimate to a couple of different vendors to make sure I was getting the best deal and I started asking XXXX questions and then I went to look him up and realized that he had given me a false name. His name is actually XXXX. He also started stalling and not giving me answers when I asked direct questions. 
So at that point, I did not feel comfortable with him any longer, and I asked that he canceled my loan and forward my information to the alternate loan company. In which that point, he said he could match their offer if not do it better and at this point, I did not trust him any longer. 
That was over XXXX  days ago, these individuals have refused to send my new brokers the required XXXX a number so that my FHA loan can close before the end of the year so we can benefit from the transaction on my upcoming years taxes. I have called, texted, emailed and sent multiple emails. 
Can you please assist me. Im a XXXX adult ( with XXXX  XXXX XXXX, and my husband is a senior. ( Im under doctors orders not to have any stress in my life, this has been exceedingly stressful. We need your help, Please. 
Im fit to be tied. Im not sure what else to do. 
These people that own Lake View Lending will not release my documents or the XXXX numbers so I can complete this refi. 
Please let me know what additional I can do. 

Respectfully XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: WI

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I went into checksmart in XXXX Ohio  on XXXX XXXX to ask about a payday loan. I was told my credit would not be affected as it would only be a soft credit pull to apply. Then the employee went ahead and applied for a line of credit loan instead of the payday loan without my knowledge. Before I signed any paperwork I had received 2 notifications about my credit being pulled twice without my permission. After I was denied the first time because I didnt make enough she went and lied on the application and said I made more than I actually do so I would be approved. Then checked my credit for the second time without my permission are knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I entered into a written settlement agreement with XXXX XXXX XXXX on XX/XX/year>, to resolve a credit card account for XXXX monthly payments of {$910.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 

I successfully made the XXXX, XXXX, and XXXX payments, which represent XXXX out of the XXXX agreed payments. The XXXX payment did not process due to an issue with the automatic payment system, which I was not aware of at the time. 

As soon as I became aware of the missed XXXX payment, I contacted XXXX XXXX XXXX to resolve the issue and requested to make the missed payment and complete the settlement as agreed. I also sent a written dispute requesting confirmation that the original settlement would be honored. 

XXXX XXXX XXXX did not respond to my dispute or provide any clarification. Instead, they declared the settlement void and are now attempting to collect a higher amount that does not reflect the agreed settlement terms. They have continued collection efforts, including sending collection letters, despite my good-faith payments and attempts to resolve the issue. 

I remain willing and able to make the missed XXXX payment to complete the settlement. I am requesting assistance to have the company honor the original written settlement agreement and stop attempting to collect an incorrect balance.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-24 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: NC

Complaint narrative:
I discovered that one or more consumer reporting agencies are reporting adverse, inaccurate, and unverifiable information on my credit file after my personal identifying information was compromised through a known data breach affecting consumer reporting systems. 

On XX/XX/year>, I sent a formal written notice of data compromise and dispute to the consumer reporting agency, advising that because my identifiers were exposed, any verification process relying on those identifiers is legally unreliable. In that notice, I invoked the agencys obligations under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and identity documentation, the consumer reporting agency continued to report numerous negative tradelines, collections, and inquiries without providing original source documentation, a lawful method of verification, or evidence of a manual reinvestigation. Instead, the agency relied on automated or boilerplate processes, which do not satisfy FCRA requirements or CFPB guidance for a reasonable investigationespecially where the integrity of the consumers identifiers has been compromised. 

Because the agencys systems rely on exposed identifiers, it can not certify the accuracy of the information it continues to publish. This ongoing reporting has caused continuing credit harm and financial injury. 

In summary, the consumer reporting agency failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after receiving notice of dispute, and Delete or block unverifiable information tied to compromised identifiers, in violation of the Fair Credit Reporting Act.

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