vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: ME

Complaint narrative:
United Wholesale Mortgage ( UWM ) has been servicing our VA home mortgage since XX/XX/XXXX. In XX/XX/XXXX, We made XXXX aware that we are not able to continue making payments due to outrageous errors on the originators ( XXXX XXXX XXXX ) part. VA home loan technicians informed us that we are eligible to skip the waterfall aspect of a deed-in-lieu so our credit will not be anymore damaged than it has been. We have been meet with headache after headache with UWM fumbling us around during this entire process. Every phone call has we have had, we've had to correct them on our intentions. 
They have transferred servicing our mortgage from UWM to XXXX XXXX, back to UWM right in the middle of all this and EVERYTIME, I have had to correct them with our intentions and financial situation. They keep telling me, " Are you not doing a loan modification ''. Despite have a acknowledgment letter into the Deed in Lieu program. It has been over 90 days now and now we are delinquent on our payments. 
I have reported this to every state and federal agency I can think of, with no hope in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX and i noticed multiple inaccuracies reporting on my credit report that do not belong to me. Please remove these accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX and i noticed multiple inaccuracies reporting on my credit report that do not belong to me. Please remove these accounts from my credit report immediately.

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 2025-07-23 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 writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Dear Absolute Resolutions Investments, I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), to request full and proper validation of the alleged debt you are reporting on my credit file with XXXX  and XXXX. This debt is reported as originating with XXXX XXXX XXXX, under account number ending in XXXX  XXXX, with a balance of {$1300.00}. 

I do not acknowledge any liability for this debt and am requesting that you provide the following documentation as required by law : 1. A copy of the original signed contract or promissory note allegedly binding me to this debt.

2. Full itemized accounting of the alleged amount owed, including principal, interest, fees, and charges.

3. Documentation showing your legal right to collect this debt, including the chain of title and assignment from the original creditor.

4. Your license number and proof of authority to collect in the state of Pennsylvania.

5. The name and address of the original creditor and date of the alleged default.

This request is made pursuant to 15 U.S.C. 1692g ( b ). Until you provide the required documentation, you must cease all collection efforts, including reporting to credit bureaus. If you can not validate this debt within 30 days, you are required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) to immediately request deletion of this account from all consumer reporting agencies to which you have furnished it.

Furthermore, under 15 U.S.C. 1692c ( c ), I hereby formally demand that you cease and desist all communication with me about this matter, except to provide written debt validation or to notify me that collection efforts are being terminated.

Please respond in writing only. Any attempt to contact me by phone or any other method outside the scope of federal law will be considered a violation of my consumer rights.

Thank you for your cooperation. I expect a full response within 30 days of your receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Re : Request for Late Fee Removal and Due Date Adjustment Closed Account Account # : Quicksilver Ending in XXXX On XX/XX/XXXX I called Customer Service and was told by a Supervisor Name XXXX Employee ID # XXXX That I did not meet the requirement for one time courtesy late fee waiver, I never received a courtesy waiver, I closed the credit card in XX/XX/XXXX because of the first late fee of XXXX due date XX/XX/XXXX payment posted XX/XX/XXXX so I closed the account at that time because I felt that's too harsh of a penalty for a one day late payment when my payment history was in good standing never missed a payment. Second occurrence due date XX/XX/XXXX payment posted XX/XX/XXXX another XXXX late payment. I credit card agreement guide states up to XXXX late fee may be charged, I spoke to 4 different customer support staff and they all stated there's nothing we can do because the account is closed, they refused to transfer me to recoveries escalations teams, I have no other option but to file this complaint with CFPB because I could not file a dispute on the capital one website through my account, customer service rep 's would not transfer me to someone that could access the closed credit card is I requested to have the account closed and the account is current with consistent monthly payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I am submitting a complaint regarding Avant, a credit card company I have been repaying through a debt management plan with XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX has consistently submitted timely payments to my creditors on my behalf. 

On XX/XX/XXXX, XXXX XXXX XXXX mailed a payment to Avant well ahead of the due date of XX/XX/XXXX. However, Avant did not post the payment until XX/XX/XXXX. This delaydespite the payment being sent nearly two weeks in advanceresulted in my payment agreement with Avant being voided. Avant has claimed that it may take up to 17 days for them to process a mailed payment, is unreasonable and should not result in a penalty to me. 

Despite multiple attempts by XXXX XXXX XXXX, including a final outreach from their Credit Relations Manager, Avant has refused to correct this issue. My account still reflects a balance of over {$2000.00}, even though both their records and mine show a {$0.00} balance. This situation is unfair, and I am now left with an account that should be closed but is still being reported with an outstanding balance due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged {$320.00} in overdraft fees ( 9 fees for {$36.00} each ) over a 3-day period by U.S. Bank because automatic payments cleared before my paycheck posted. This was a timing issue, not reckless spending.

I contacted U.S. Bank on Sunday, XX/XX/XXXX and was told only one fee could be reversed. I explained that Im a XXXX XXXX in financial crisis and that one refund would not help. The representative said it was because I continued using my account after not having a balance. I clarified that these were scheduled automatic payments, and this time they simply didnt align with my paycheck. I asked for a supervisor. I was told one would call me back. No one ever did. 

On Monday, XX/XX/XXXX, I emailed U.S. Banks executive leadership. Later that day, I received a voicemail from someone saying theyd make sure I got a call back. Someone did call later while I was at work, but they did not leave a voicemail, and I never heard back again. As of Wednesday, XX/XX/XXXX, I have received no resolution, no callbacks, and no refund. 

Since then, more transactions have posted to my account and my balance dropped to {$150.00}. Ive done everything possible to resolve this directly and respectfully. Because U.S. Bank refused to reverse the fees, I am now out {$320.00}, and as a result, I will likely incur more overdraft fees simply because Im still trying to catch up. This cycle is exactly what makes these policies so damaging to people facing financial hardship. Instead of offering support, the system punishes those who are already struggling. 

I knew I couldnt even buy my daughter a birthday present on XX/XX/XXXX. I had to wait until Fridays payday, and by then I was hit with these overdraft charges. Im doing everything I can to support my family responsibly, and this situation has made it much harder.

Im extremely frustrated that U.S. Bank will reverse fees for wealthy clients as a courtesy, but refused to help me after I clearly explained my hardship. It feels like discriminationhelp is only available for people who dont need it, while people like me are left to struggle and are penalized.

Im requesting a full reversal of the {$320.00} in overdraft fees due to financial hardship, lack of follow-through, and the unfair, unequal treatment Ive received.

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 monetary relief
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent account that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My daughter is on my credit report I want her off of it so I can get a house loan I pop up as a minor

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 2025-07-23 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint regarding a phone call I received from a representative of Keynote Consultant ( or Keynote Counseling ), a debt collection agency. The representative identified himself as " XXXX XXXX '' During the call, XXXX became very loud, aggressive, and threatening. He told me that if I did not pay the {$180.00} balance immediately or provide a credit card on the spot, he would " mess with my credit '' and ensure that I would not be able to get a " Paid in Full '' status reported. 
When I asked him whether that was legal, he responded, " Yes, I can do whatever I want. '' I then asked him to calm down, but he continued to speak in a hostile tone. I felt very intimidated, anxious, and afraid during the call, which ultimately caused me to hang up. 
This behavior is unprofessional, unethical, and potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from threats and deceptive practices. I request that this incident be fully investigated, and that proper action be taken against this representative and the agency for their conduct. 
Please confirm receipt of this complaint and let me know the steps you will take moving forward

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