vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX  Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Metro Collection Service Inc.
State: TX

Complaint narrative:
Metro Collection Service is reporting a balance of {$1200.00} for a lease-related debt that originally totaled {$930.00}. The lease does not allow interest, and there is no court judgment. I asked them for proof, and they cited a Colorado statute ( C.R.S. XXXX ), but that only applies if a court awards judgment which hasnt happened. 

I sent a legal demand letter asking them to fix the balance and delete the tradeline. They have not corrected it. This is misleading and violates the Fair Debt Collection Practices Act. I want the tradeline deleted and the balance corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
( Credit cards- ) XXXX Reported : XX/XX/XXXX {$490.00} XXXX Reported : XX/XX/XXXX XXXX Reported : XXXX. XXXX, XXXX {$510.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$2000.00} Closed XXXX  Reported : XX/XX/XXXX {$570.00} Closed XXXX Reported XXXX XX/XX/XXXX {$270.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$720.00} Closed XXXX  XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported : XX/XX/XXXX {$1700.00} Closed XXXX Reported XXXX XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$10000.00} ( Hard Inquiries- ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX ( Collections ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$490.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$600.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$830.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} XXXX  XXXX XXXX  Reported : XXXX. XXXX, XXXX {$600.00} XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX {$1600.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Self Financial / XXXX XXXX ( Charged-Off Account Still Reporting a Balance After Dispute ) I am filing this complaint against Self Financial XXXX XXXXXXXX XXXX for continuing to report a charged-off account with an outstanding balance on my credit report, despite my formal dispute and debt validation request.

I submitted a written request under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) and disputed the debt under the Fair Credit Reporting Act ( FCRA ). I asked Self Financial / Lead Bank to provide : The name and address of the original creditor ; A full itemization of the alleged debt ; A copy of the original agreement or promissory note bearing my signature ; Proof of legal authority to collect the debt ; The complete chain of assignment or ownership of the debt.

They failed to respond with any of this documentation. Despite this, they continue to report this account as charged off with a remaining balance, which is : Inaccurate and misleading, especially in the absence of proper documentation ; A violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to furnish accurate data ) ; A violation of FCRA 1681e ( b ) ( requirement for maximum possible accuracy ) ; A violation of FCRA 1681i ( a ) ( failure to reinvestigate disputed information ) ; A violation of FDCPA 1692e ( 8 ) ( reporting false or disputed information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IN

Complaint narrative:
I am filing this complaint regarding inaccurate and/or unverifiable information being reported on my Experian credit report. Despite multiple attempts to dispute the following items directly with Experian, they have failed to properly investigate or correct the inaccurate data within the time allowed under the Fair Credit Reporting Act ( 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 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute a late payment currently reflected on my credit report for an account that I have managed responsibly and consistently. After thoroughly reviewing my payment records and banking statements, I found no indication that a payment was submitted past the due date. This reporting appears to be a mistake, and I kindly request a full investigation. I ask that the inaccurate late payment be removed promptly so that my credit report can accurately reflect my positive payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
CFPB Mortgage Complaint XXXX XXXX Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Business : XXXX XXXX XXXX, LLC Date : XX/XX/year> Issue : Inaccurate reporting of a XXXX late payment despite timely split paymentsDetails : I am filing a complaint against XXXX XXXX Corporation for inaccurately reporting a XXXX late mortgage payment for XX/XX/year>. I made my XXXX mortgage payment in XXXX parts : - The first part on XX/XX/XXXX, XXXX The second part on XX/XX/XXXX, XXXX split payments were both made within 30 days of the original due date, yet Freedom Mortgage reported this as a XXXX delinquency to the credit bureaus. This reporting is not consistent with fair servicing practices, and I believe it violates federal mortgage servicing standards under RESPA and Regulation X, which protect borrowers from servicer errors.XXXX XXXX own account ledger confirms these payment dates, and I have documentation to prove it. Despite repeated attempts to resolve the matter, the inaccurate late payment remains on my credit reports.This error has severely impacted my credit score, directly harming my ability to qualify for a second mortgage needed to consolidate high-interest debt and fund the launch of my small business, XXXX XXXX XXXX XXXX.Requested Resolution : - Immediately correct the inaccurate 30-day late payment on all credit reports ( Experian, Equifax, TransUnion ) XXXX Provide XXXX written confirmation that this correction has been submitted to the credit bureaus- Conduct an internal investigation and review their reporting procedures to avoid future errors- Cease any negative credit reporting tied to this XX/XX/year> XXXX Mortgage Loan Number : XXXX request that the CFPB require XXXXXXXX XXXX  to take immediate corrective action, and to comply with FCRA, Regulation X, and all applicable consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
CFPB Mortgage XXXX XXXX Mortgage XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Business : XXXX XXXX XXXX, LLC Date : XX/XX/year> Issue : Inaccurate reporting of a XXXX late payment despite timely split paymentsDetails : I am filing a complaint against XXXX XXXX XXXXXXXX for XXXX reporting a XXXX late mortgage payment for XX/XX/year>. I made my XXXX mortgage payment in two parts : - The first part on XX/XX/XXXX, XXXX The second part on XX/XX/XXXX, XXXX split payments were both made within 30 days of the original due date, yet Freedom Mortgage reported this as a XXXX delinquency to the credit bureaus. This reporting is not consistent with fair servicing practices, and I believe it violates federal mortgage servicing standards under RESPA and Regulation X, which protect borrowers from servicer errors.Freedom Mortgages own account ledger confirms these payment dates, and I have documentation to prove it. Despite repeated attempts to resolve the matter, the inaccurate late payment remains on my credit reports.This error has severely impacted my credit score, directly harming my ability to qualify for a second mortgage needed to consolidate high-interest debt and fund the launch of my small business, ChattDrip Mobile IV, LLC.Requested Resolution : - Immediately correct the inaccurate XXXX late payment on all credit reports ( Experian, Equifax, TransUnion ) XXXX Provide XXXX written confirmation that this correction has been submitted to the credit bureaus- Conduct an internal investigation and review their reporting procedures to avoid future errors- Cease any negative credit reporting tied to this XX/XX/year> XXXX Mortgage Loan Number : XXXX request that the CFPB require XXXX XXXX to take immediate corrective action, and to comply with FCRA, Regulation X, and all applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
CFPB Mortgage XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Business : XXXX XXXX XXXX, LLC Date : XX/XX/year> Issue : Inaccurate reporting of a XXXX late payment despite timely split paymentsDetails : I am filing a complaint against Freedom Mortgage Corporation for inaccurately reporting a XXXX late mortgage payment for XX/XX/year>. I made my XXXX mortgage payment in two parts : - The first part on XX/XX/XXXX, XXXX The second part on XX/XX/XXXX, XXXX split payments were both made within 30 days of the original due date, yet Freedom Mortgage reported this as a XXXX delinquency to the credit bureaus. This reporting is not consistent with fair servicing practices, and I believe it violates federal mortgage servicing standards under RESPA and Regulation X, which protect borrowers from servicer errors.XXXX XXXX  own account ledger confirms these payment dates, and I have documentation to prove it. Despite repeated attempts to resolve the matter, the inaccurate late payment remains on my credit reports.This error has severely impacted my credit score, directly harming my ability to qualify for a second mortgage needed to consolidate high-interest debt and fund the launch of my small business, XXXX XXXX IV, LLC.Requested Resolution : - Immediately correct the inaccurate 30-day late payment on all credit reports ( Experian, Equifax, TransUnion ) - Provide a written confirmation that this correction has been submitted to the credit bureaus- Conduct an internal investigation and review their reporting procedures to avoid future errors- Cease any negative credit reporting tied to this XX/XX/year> XXXX Mortgage Loan Number : XXXX request that the CFPB require XXXX Mortgage to take immediate corrective action, and to comply with FCRA, Regulation X, and all applicable consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
As Per the guidance from the Consumer financial Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX Please delete the following account. XXXX XXXX Nelnet {$36000.00} open XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$220.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
XXXX  requested email copy of billing ledger and  last appt XXXX showing balance owed of XXXX  received an email stating I owed XXXX- call the office and she stated we havent been seen and we dont owe it. Advised of my billing ledger. Requested documents if it was owed- never received anything else stating it was owed.\n\nXXXX received debt collector notice- put in a dispute after receiving this letter and provided documents to show what I owed, I was not past due and account was current. \n\nXXXX called to check on dispute- nothing was provided\n\nXXXX called and spoke to XXXX  at Synergetic Communications I requested the documents showing I owed the balance and she would only read them. She would not allow me to talk at all and starting yelling which caused me to yell. She hung up on me after I asked her to let me talk. She told me I owed after telling her I do not and have all documents showing otherwise. \n\n\nI requested documents from the facility as well and still have not received anything. Requested again today XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
Ive noticed fraudulent accounts under my name that were added without my knowledge. Please remove these entries within 15 days per 15 U.S. Code 1681g. Supporting evidence is attached to validate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
I sent an international money transfer via Money Gram on XX/XX/2025 the money should have been available instantly! BUT the receiver was having difficulty collecting the money! I immediately called Money Gram in hopes to resolve the issue, the representative assured me I would have an answer in XXXX calendar days! It is now XX/XX/2025 Ive called over XXXX times within the XXXX  days time frame with no resolution the customer representatives claimed to have escalated the problem XXXX different occasions! And tell me I have to wait for XXXX calendar days for a response! Even when I request a refund its another XXXX calendar days but I still have not received a response nor resolution for my problem! Each day that goes by Im being penalized because the money I sent was to pay a bill and Money Gram keeps asking me to wait 2 calendar days! Im on my XXXX XXXX calendar day now and nothing has been done not even a refund after I requested it plenty times! At this point I need money grams customer support to be held accountable for all fees Ive accrued during this inconvenience! I need compensation or an investigation on how claims are handled so no one goes through what I just went through!!! This is unacceptable and unbelievably unfair for me!

Company response to consumer: Closed with monetary relief