vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have an FHA-insured mortgage with Newrez/ shellpoint mortgage. In XX/XX/XXXX, my co-borrower was in an accident, resulting in a significant loss of household income due to lost wages. As a result, we fell behind on our mortgage. As of XX/XX/XXXX, the loan is one payment delinquent and will be two payments delinquent by the end of the week. 

I submitted a hardship assistance application to my mortgage servicer, clearly documenting the income loss and requesting assistance to avoid further delinquency. The servicer denied my application, stating that I am not eligible for assistance until the account is at least 91 days delinquent. 

This policy directly contradicts FHA servicing guidelines and HUD Mortgagee Letter requirements, which mandate that servicers evaluate borrowers for available loss mitigation options as soon as they are aware of a hardshipnot only after reaching 90+ days delinquency. FHA guidelines require that servicers make every reasonable effort to help the borrower avoid default, including reviewing for a repayment plan, forbearance, or modification, even if the delinquency is under 90 days. 

By refusing to review my hardship application solely because I am not yet 91 days past due, the servicer is failing to comply with HUD loss mitigation requirements, CFPB mortgage servicing rules ( Regulation X, 12 C.F.R. 1024.41 ), and their duty to engage in early intervention under 12 C.F.R. 1024.39. 

I have been proactive in seeking assistance to prevent further delinquency. The servicers refusal to act unless I fall further behind is not only harmful but also appears to be in violation of federal servicing standards for FHA loans. 

I am requesting that the CFPB require my servicer to : 1. Immediately review my hardship application under applicable FHA and federal servicing guidelines.

2. Offer all available loss mitigation options to help avoid further delinquency and potential foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate and misleading information that continues to appear on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute, the accounts listed below remain incorrectly reported, contain incomplete or erroneous data, and require immediate correction or removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-12 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: IL

Complaint narrative:
I am filing this complaint pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act, and applicable consumer protection laws, against TransUnion for knowingly permitting the reporting of inaccurate, incomplete, and legally defective credit information.

This is not a request for debt validation. It is a demand for enforcement action against TransUnion for willfully facilitating illegal conduct by furnishers and for failing to comply with statutory obligations.

Violations and Examples 1. Reporting Canceled Debt After IRS 1099-C - My Discover account was the subject of a Form 1099-C, signifying a cancellation of debt. TransUnion continues to report a balance and derogatory status, enabling an unlawful double recovery once via tax reporting and again through credit damage.

2. MOHELA Student Loans- Multiple entries show Dispute re
solved ; consumer disagrees without correcting the disputed balances or statuses.

- Inaccuracies remain despite disputes, constituting a failure to conduct a reasonable reinvestigation under FCRA 1681i ( a ).

4. Unauthorized Re-aging of Accounts - Certain accounts show altered Date of Last Activity to extend derogatory reporting beyond the 7-year limit in FCRA 605 ( a ).

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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 explanation
Consumer complaint received 2025-08-12 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: DE

Complaint narrative:
I am a victim of identity theft and my credit report contains accounts and inquiries I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all fraudulent items from my file.

Please confirm in writing once these corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

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. 

XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
I had a debt with XXXX XXXX XXXX, they went out of business before I finished my dental treatment. I had problems with the treatment and could not reach out to XXXX, so I had to start my treatment all over with another provider. I do not feel that this debt should be owed due to improper business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
I have a open loan with XXXX. Equifax and Transunion Credit Bureau is reporting incorrect information concerning the loan. I have submitted XXXX disputes to Equifax and Transunion Credit Bureau via electronically and by calling. I have contacted XXXX and obtained documentation on what should be reported - I have provided the information to Equifax and Transunion Credit Bureau however the credit bureaus continue to report the incorrect information. I obtained a loan through XXXX for {$5000.00}. I pay {$290.00} bi-weekly which is {$590.00} monthly. Credit Bureaus continue to report that my monthly payments are {$630.00} and that my balance is {$5000.00} which is incorrect. The incorrect loan information was used in a recent denial for financing that I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. XXXX : XX/XX/XXXX. XXXX : XXXX. I called AIDVANTAGE on XX/XX/XXXX, on or around XXXXXXXX XXXX XXXX. The call lasted for XXXX minutes. After being on hold, the phone call was then transferred to a survey ( I gave the worst review to hold that agent accountable ). This causes an undue delay. This is not a one-time isolated event ; this is a pattern and practice with AIDVANTAGE. This has happened on innumerable occasions. This is known as call avoidance. I seek to hold AIDVANTAGE accountable to stop this egregious behavior. 

cc : XXXX, FTC OAG, FSA Ombudsman Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX credit scores reports was received instead of updated cell phone number. I made report after report I uploaded documents and I call and call over and over the Experian representative chose not to want to help me to update my cell phone number on my account. Experian is charging me every month for membership and I can not even access my account. So Iam getting bill without receiving any services from them. Experian is a bad company and all its doing is taking my money and dont want to help me. I even asked them to cancel my membership they dont want to do that. They are just taking my money. I just want to update my phone number thats all. 
Need to update my phone number on my Experian account. I can not access my Experian account because its showing an old cell phone number that doesnt work anymore.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint against TransUnion for its failure to accurately report and investigate multiple late payment entries on my credit report. I formally disputed these entries, which I believe are the result of internal posting or transmission errors by the furnishers. Despite my request for a thorough reinvestigation, TransUnion has not corrected the inaccuracies, nor has it provided adequate documentation to support its continued reporting of these derogatory marks. 

The accounts in question include XXXX XXXX Bank XXXX ( account ending in XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ) and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The reported late payment dates span from XX/XX/XXXX through XX/XX/XXXX and include numerous months that I believe were inaccurately recorded. These entries are not only incorrect but also unverifiable, and I have reason to believe they stem from furnishers internal reporting errors rather than actual delinquency on my part. 

In my dispute letter to TransUnion, I requested the removal of all incorrect late payment entries, identification of the individual who verified these entries, the exact method of verification used, and copies of any records relied upon to substantiate the claim that these payments were late. TransUnion is required under the Fair Credit Reporting Act ( FCRA ) 1681i to conduct a reasonable reinvestigation of disputed information and to correct or delete any data found to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. 

XXXX failure to comply with these provisions constitutes willful and/or negligent noncompliance. If this matter is not resolved within the statutory timeframe, I intend to pursue all remedies available under FCRA 1681n and 1681o, including monetary damages. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and compel TransUnion to fulfill its legal obligations under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/2025 I purchased a {$500.00} XXXXIncomm Vanilla Visa gift card XXXX XXXX in XXXX, Arizona. I was unable to use the gift card after several attempts due to the magnetic strip being unreadable on any point of sale terminal. On XX/XX/XXXX, I called Incomm customer service at XXXX at XXXX local time to notify them that I would like my card canceled and a new one sent out due to the magnetic strip issue. Minutes later, I would come to learn later, two fraudulent transactions occurred on my gift card at a XXXX XXXX store in nearby XXXX, Arizona, buying {$500.00} worth of XXXX XXXX XXXX gift cards without my gift card being present. 
The representative XXXX was unwilling to issue a new card and stated I should key in the numbers manually on the terminal. Attempts to do this were unsuccessful that evening even though at that point I did not know of the fraudulent charges. I would learn of those shortly afterward. It is strange that the fraudulent charges occurred minutes after I informed the representative of my magnetic strip issue. I was put on hold for several minutes during the call. 
Had the representative acted on my request, the fraudulent charges would not have occurred. On hindsight, it is now evident that the magnetic strip was tampered with prior to my purchasing the gift card. 
I opened a dispute case # XXXX with Incomm on XX/XX/XXXX at XXXX local time, submitting a copy of the sales receipt and original packaging. On XX/XX/XXXX, Incomm sent me an email stating you were not able to approve my case. 
I then filed a dispute with XXXX XXXX on the advice of one of a Incomm representative. That was opened on XX/XX/XXXX and has since been closed. XXXX XXXX states it is not their responsibility, rather it is the card issuer. These are tickets number XXXX and XXXX for the two separate gift card purchases. 
Followup certified letters and emails with full details of what happened have been sent to Incomm with no response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
This account has inconsistent information reporting across XXXX bureaus, equifax and Experian per fcra it should be all the same across all bureaus and request to have it removed from my credit report. Per law its supposed to be Accurate. Its from XXXX XXXX, it has different balances across XXXX bureaus inconsistent information and misleading chargeoff. The company reporting inaccurate information is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, La. XXXX also different account numbers XXXX is reporting XXXX other report XXXX, different chargeoff amount yet it shows past due XXXX, and nothing reported to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AR

Complaint narrative:
I am disputing inaccurate late payments reported by XXXX XXXX XXXX on my credit report. The account is a joint auto loan opened on XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, late payments were reported incorrectly, despite payments being made on time and the account being current. 

The credit bureaus ( Experian, Equifax, and TransUnion ) are reporting these late payments in violation of the Metro 2 Credit Reporting Resource Guide standards and the Fair Credit Reporting Act ( FCRA ). Specifically, the payment history codes and dates are inaccurate and do not reflect the actual payment activity. 

I have sent formal dispute letters citing Metro 2 compliance violations and requested immediate removal of these inaccurate late payments. However, the information remains on my credit reports, negatively impacting my credit score and financial standing.

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