vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
My XXXX  mortgage loan is in default and the bank is trying to take my home. They are discriminating against me based on my XXXX, race, ethnicity, and national origin. Furthermore they are dual tracking and providing conflicting and misinformation to me and my XXXX XXXX 
What dual tracking means for a homeowner- Dual process : The lender or servicer moves forward with foreclosure proceedings while also considering alternatives like a loan modification, short sale, or forbearance. 
Risk of foreclosure : A homeowner can be unaware that foreclosure is advancing while they are trying to negotiate a solution, and their home may be lost unexpectedly. 
Confusion and frustration : This practice can create confusion and frustration for a borrower who believes they are working toward a solution with the lender. 

My loan has been in review for a short sale. I was advised on the XXXX that the sale of my home would be postponed as its in review for a short sale and that it is in an active review. This was per representative by the name of XXXX in account management department. 
Please also see attached email that was sent in on XXXX. 
On Monday the XXXX, we spoke to the single point of contact XXXX XXXX, who advised that there are a few missing items to please send them in. On Friday, were not advised anything was missing or needed. All of a sudden items were needed. Doesn't make any sense. We sent in the missing items, and on Wednesday we called in and were advised by the XXXX XXXX XXXX, that regardless of the documents being sent in, its too close to the sale date. They will not review anything so she did not bother to look for the documents I sent in. 
We have been getting conflicting/ misinformation about everything. I did not want to sell my home, but I was told by the mortgage company that it was my only option. Come to find out, it is not my only option. I have every opportunity to try to submit for a loan assistance to keep the home and nobody ever told me this.!!! 
We submitted a XXXX/ written notice of error as well and are currently waiting in a response to that. We were told it is being reviewed but they will get back to me on that in XXXX  days. 
I am current on my first mortgage. I have done everything in my power to get back on track. At XXXX point I was also behind on my first but was able to bring it current want nothing more than to keep my home, especially since I fought so hard to get all my affairs in order and now I have the capability to keep the property if given a fair chance. I need to be given accurate information from Fay servicing at all times. Instead it seems that they really can care less about honesty and integrity. They have made it extremely clear how unimportant my situation is to them via the employees who represent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Please accept this letter as a formal dispute concerning the accounts identified. I have no known association with them and did not authorize their creation. I request a thorough review and their removal. Documentation is attached for verification.

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 2025-11-27 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: GA

Complaint narrative:
I am writing to dispute certain entries on my Equifax credit report. The information appears to be inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that a data breach may have affected the accuracy of my personal data. Below is a list of the accounts I am disputing. 
Disputed Accounts on Equifax Report : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX Account Type : Collection - Installment Balance : {$460.00} Account Status : Negative Violations : FCRA Violation : Inaccurate reporting of the payment history and status. 
XXXX XXXX : Possible exposure of personal information affecting the account 's accuracy. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Account Type : Collection - Installment Balance : {$460.00} Account Status : Negative Violations : FCRA Violation : Incorrect balance and payment history may not be correctly reflected. 
XXXX XXXX : Verify if a data breach has impacted this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am submitting a dispute regarding the following accounts and inquiries on my Equifax credit report. I believe the information may be inaccurate and request a thorough investigation : Charged-Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
Please treat this letter as my official dispute concerning the referenced accounts. I do not recognize them and did not authorize their creation. I request deletion and a full evaluation. Evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since XXXX  never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 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: NV

Complaint narrative:
I am filing this complaint because several items reported by the credit bureaus appear to be inaccurate, unverifiable, duplicated, or outdated, despite my attempts to address these issues directly with the credit reporting agencies. I am requesting assistance from the CFPB to ensure these accounts and inquiries are properly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts TransUnion is not reporting any charged-off accounts for this dispute. 

Hard Inquiries The following inquiries appear inaccurate or unauthorized : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There are no late payment items listed for TransUnion in this dispute.

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 2025-11-27 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX XXXX XXXX ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-27 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I am formally disputing several inaccurate and incomplete items on my TransUnion credit report. Under the FCRA, all reported information must be accurate, complete, and verifiable. The following items do not meet the accuracy standards required by 15 U.S.C. 1681e ( b ) and must be deleted immediately : Items I Dispute XXXX. XXXX XXXX XXXX Late Payment Account # : XXXX XXXX XXXX XXXX XXXX Reported late for XX/XX/year> Inaccuracy : Payment history inconsistent across bureaus ; no proof of delinquency provided; account notes indicate previous dispute and unresolved contradictions. Requested Action : Delete late payment entirely. 
XXXX. XXXX Collection/Charge-Off Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$710.00} Inaccuracy : Status fluctuates between installment, collection, and charge-off ; past-due equals entire balance ; no DOFD provided; inconsistent payment history ( blank months ). Requested Action : Delete the entire collection. 
XXXX. XXXXXXXX XXXX ( Item # XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Inaccuracy : No date opened ; incomplete account number ; unverifiable data source ; self-reported accounts not validated by a furnisher under XXXX ( a ). Requested Action : Delete. 
XXXX. Incorrect / Outdated Addresses Please delete the following outdated or inaccurate addresses not belonging to my current profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Only keep : XXXX XXXXXXXX XXXX XXXX XXXX NY 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 2025-11-27 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CT

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 explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an unlawful default judgment and wage garnishment initiated by Credit Acceptance Corporation without proper service, notice, or jurisdiction. 

Credit Acceptance attempted service at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, an address I had vacated months earlier ( approximately XX/XX/XXXX XX/XX/XXXX ) during a period when the property was unsafe, contaminated with mold, experiencing water leaks, and involved an incident where a maintenance worker pulled a knife. I was unable to access the property to retrieve mail and had no actual notice. 

Prior to the alleged lawsuit, multiple auto dealerships ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) submitted loan applications on my behalf in XXXX, all using my updated and correct residential address. These applications transmit customer address information directly to Credit Acceptance through XXXX. This means Credit Acceptance had my correct address on file long before attempting service. 

Despite having my updated address, Credit Acceptance relied on an old, unsafe address and filed for judgment anyway. 

I did not receive : A summons A complaint Any hearing notice Any judgment notice Any opportunity to dispute the debt Service was defective under XXXX XXXX XXXX ( XXXX XXXX ) and the judgment is void under XXXX XXXX ( a ) ( XXXX ) because the court never had personal jurisdiction over me. 

I first learned of the judgment and garnishment attempt in XX/XX/XXXX when contacted by the XXXX XXXX Sheriff regarding Income Execution No. XXXX. 

I am requesting federal review, reversal of the garnishment, investigation into Credit Acceptances service practices, and enforcement action for improper, abusive, and unlawful debt collection behavior.

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 2025-11-27 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 am writing to dispute the following items on my credit reports. I believe these items to be inaccurate, and I request that they be investigated and corrected accordingly. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation