vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am writing to dispute the following information on my credit report. Please review and investigate the items listed below. I request that any inaccurate information be corrected or removed from my report as required by the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report that I believe to be inaccurate or incomplete. Below is the list of the accounts in dispute, separated by each credit bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payment XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: NE

Complaint narrative:
I am experiencing severe mortgage servicing errors with U.S. Bank Home Mortgage that have resulted in an incorrect delinquency status, misapplication of payments, and improper handling of {$26000.00} in XXXX assistance funds. The XXXX funds were required to bring my loan current AND cover six months of future payments, but U.S. Bank failed to apply them correctly. I am being shown as far more delinquent than I should be. 

U.S. Bank also failed to apply multiple Trial Period Plan ( TPP ) payments I submitted. These payments were placed into suspense or returned instead of being applied, violating Regulation X. A borrower who completes a TPP must be converted into a permanent modification, and U.S. Bank failed to do so. 

On XX/XX/year>, my principal balance was listed as {$55000.00}. U.S. Bank is now showing a balance over {$72000.00}, which is mathematically impossible based on my interest rate and payment history. 

U.S. Bank also attempted to extend my loan maturity date from the original XX/XX/year> to XX/XX/year>, creating a XXXX mortgage term that violates servicing guidelines. They have also added improper fees and interest during my loss mitigation and HAF assistance review. 

I submitted a Qualified Written Request and a Notice of Error. U.S. Bank has not corrected these issues. 

I am requesting a CFPB investigation and full correction of these errors.

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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
When speaking to XXXX of their customer service agents, XXXX XXXX XXXX, I was made aware by him that my problem in being fined for a short payments and seriously affecting my wife 's and I credit history, is a known recurring problem when existing their clients continue making their monthly payments on time but a shortage has occurred when their clients are not aware that their payments have gone up. 

In my case, I was short {$56.00} as of XX/XX/year> and resulted in {$400.00} in late fees and showing 4 past due payments on my wife 's and I credit reporting history. 

If XXXX executives and their customer service agents have been aware of this potential problem in their clients mortgage payments, I feel that XXXX is knowingly collecting extra late payment fees as an additional company 's income revenue stream and knowingly hurting their clients excellent credit history in a derogatory fashion. 

This complaint is my first effort in reporting these unprofessional business practices and secondly a prior step in seeking a class action lawsuit for all the other victims of XXXX 's unethical practices.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to HARRIS & HARRIS LTD. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that HARRIS & HARRIS LTD is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to HARRIS & HARRIS LTD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I previously disputed multiple tradelines that are being reported inaccurately and requested full removal or correction. Despite my disputes, the company continues reporting the same tradelines without providing any meaningful, evidence-based explanation showing how the information was determined to be accurate.

This conduct violates the duty to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and the duty to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ). If the company claims the information was verified, I am requesting the full method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ) including what source ( s ) were contacted, what documentation was reviewed, whether an XXXX process was used, and the specific basis for continuing to report the disputed tradelinesrather than a generic statement that the items were verified.

I am requesting CFPB assistance because the inaccurate reporting is causing ongoing harm, and the company has failed to resolve the matter through normal dispute channels. 
The following accounts are reported in connection with my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6.00} XXXX - XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00}

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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I would like this account removed from my credit report and I tried numerous of time but yet they still wont resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am submitting this dispute to request the immediate correction and removal of inaccurate information from my credit reports as provided by Experian, XXXX, and XXXX. I have carefully reviewed the reports and identified several discrepancies that need to be corrected. The accounts listed below have been inaccurately reported, and I respectfully request that these items be thoroughly investigated and rectified to comply with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENTS XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I am writing to dispute certain items on my credit report. Below is a detailed list of the accounts in question, separated by bureau. I request that you investigate these accounts and ensure all information is accurate and complies with applicable laws. 

CHARGED OFF XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} INQUIRIES XXXX  XXXX, Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX  XXXX, Account Number : 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal previously charged me roughly {$30.00} for every declined transaction in late XXXX early XXXX. 

These NSF charges sent my checking account into a negative; leading to the closure and charge off of my account in XXXX. XX/XX/XXXX was when i received the last notice of Returned Check and being charged roughly {$30.00} each time prior to it being sent to collections, I believe. 

XX/XX/XXXX, roughly a month later, Navy Federal eliminated this policy ; preventing the charging of accounts with Non Sufficient Funds. 

I contacted the bank to communicate in good faith to at least be able to open a new checking account. 

I was met with little to no information on the charge off company, no information on why they eliminated the policy, and complete belligerence from supervisory staff. 

This policy was eliminated a month after my account was overdrawn just to bully this consumer into paying an unreasonable amount they wrongfully charged just to reopen the account. 

I have never had any financial issues ever with this bank being a customer for 20 years!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am a victim of XXXX  and I have reported this to Transunion multiple times. I have asked them to verify this information and I'm still getting ignored. This information appears in my credit report and is a result of that XXXX  : Personal Loan XXXX XXXX  ( account number XXXX, {$12000.00}, Opened XX/XX/year>. It also has inquiries that I have no recollection about : XXXX XX/XX/year>, XXXX XXXX  XXXX XXXX XX/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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX | XX/XX/2025 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
Experian has repeatedly violated FCRA 1681i by marking multiple disputed accounts as verified without providing ANY documentation or explanation of how the verification was conducted. I have attached PDF evidence showing Experian repeatedly updating items with the same automated language ( verified/updated ) and providing no supporting records from the data furnishers.

This pattern demonstrates : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 1 ) ( A ) Failure to provide the method of verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Improper reliance on automated e-OSCAR responses XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) requires Experian to do MORE than passively accept a furnishers electronic response. 

Failure to obtain and provide actual documentation No contracts, no payment histories, no signed agreements, no proof of delinquency, no charge-off records nothing. 

What would be a fair resolution? 

1. Require Experian to conduct a TRUE reinvestigation and provide : Copies of all documents it used Contracts Payment records Account notes Charge-off documentation Actual proof from each furnisher 2. If the furnisher can not or will not provide documentation, require Experian to DELETE the accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts ) XXXX  XXXX ( both accounts ) XXXX XXXX XXXX XXXX both accounts ) XXXX XXXX  XXXX ( both accounts ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FHA mortgage lates ) XXXX  ( verified removed by other bureau ) 3. Require Experian to stop using automated e-OSCAR templates as verification, which violates the FCRA standard of reasonableness.

4. Require Experian to documentNOT summarizeits investigation.

If Experian can not provide documentary evidence, deletion is required under FCRA 1681i.

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 2025-12-09 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: CA

Complaint narrative:
I have no ownership or association with these accounts ; removal is required within XXXX  days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
This is my second CFPB complaint regarding Caine & Weiner ( Opened : XX/XX/XXXX according to XXXX & XX/XX/XXXX according to XXXX  ; Amount {$120.00} ). They previously verified the account without providing any contract, assignment documentation, or legally required validation. Despite prior disputes, they continue reporting inaccurate and unvalidated information. I am submitting a complaint regarding Caine & Weiner and XXXX XXXX XXXX ( Opened : XX/XX/XXXX according to XXXX, XX/XX/XXXX according to XXXX & XX/XX/XXXX according to XXXX XXXX Amount : {$340.00} ), both reporting collection accounts that I did not authorize and that can not be validated. I filed an FTC Identity Theft Report and a police report because my personal information was exposed in the XXXX XXXX XXXX data breaches. These disputed accounts appeared after the breaches and I have never received a signed contract, proof of assignment, or full validation. 

Both companies violated : FDCPA 809 ( b ) failed to validate debt FCRA 607 ( b ) inaccurate/incomplete reporting FCRA 609 ( a ) ( 1 ) failure to provide verification documents FCRA 611 ( a ) ( 1 ) & ( 5 ) failure to properly reinvestigate FCRA 605B failure to block identity theft information upon request The accounts contain inconsistent and incomplete XXXX fields , including conflicting dates, unverifiable balances, and data that does not match my actual history. I disputed these tradelines, but they were verified without supporting documentation. 

Because of the breach and the lack of a contract or validation, these accounts can not be verified as belonging to me. 

I request immediate deletion of both accounts from XXXX XXXX XXXX, and confirmation that the furnishers stop reporting them permanently. 

FTC Report, police report, and supporting documents will be attached.

Company response to consumer: Closed with explanation