vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXoan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-07-16 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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, inaccurate, and false information consists of auto loan opened at Regional Acceptance on XX/XX/XXXX, and a mobile account opened at XXXX XXXX on XXXX XXXX, and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My XXXX and XXXX account was hacked. When I reached out to the bank about the problem, they refused to open a dispute because the transactions were still in pending status. I called back 2 days later and was able to file the claim. I was told to take my law enforcement report to the brand to attach to my dispute. When I took the report in I was told my claim was denied and I received nothing explaining why or would receive anything. This is crazy. My account was clearly hacked. I even have proof from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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:
I have previously disputed Experian, XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Description : I am filing this complaint against XXXX XXXX  XXXX ( XXXX ) due to serious violations of federal credit reporting and servicing laws. 

XXXX continues to report a XXXX mortgage loan to credit agencies as active and delinquent, despite having full knowledge and legal documentation that the loan is currently in litigation. The property in question was found to be fraudulently sold, illegally permitted, and uninhabitable, which is the basis of the court case. 

Despite providing XXXX with : XXXX records showing ongoing litigation, Formal disputes, Requests to cease reporting during the legal process, They have refused to mark the account as disputed, and continue reporting it as a valid, overdue mortgage. This has caused severe and ongoing damage to my credit, which in turn has made it impossible for me to access financing to repair my current home ( also a VA property with similar issues ). They have also given me false information for an attorney in their emails stating that it was a fraud lawyer for their company and when my attorney contacted him as instructed the response that he got from this attorney was that he does not in fact work with them and we were lied to. 

I believe XXXX  is violating : The Fair Credit Reporting Act ( FCRA ) by knowingly reporting inaccurate and misleading information, The Fair Debt Collection Practices Act ( FDCPA ) by continuing collection activity on a disputed debt, RESPA by failing to respond to formal notices and written disputes, And CFPB servicing guidelines for treating consumers unfairly during legal disputes. 


I am requesting that the CFPB : Investigate XXXX handling of my account, Require them to update my credit report to reflect that this loan is in active litigation and disputed, Cease negative credit reporting and collection activity until the litigation concludes, And ensure XXXX responds to my formal requests. 


This situation has significantly impacted my familys financial and emotional well-being. I am available to provide all supporting documents, including legal filings, written communications with XXXX, and evidence of misrepresentation in the sale of the property.

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 2025-07-16 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I spoke with XXXX today at New Rez XXXX XXXX. and our call ended at XXXX pm eastern time. He was rude, adversarial and when asked is he in a customer service position blatantly said no I am not. I called regarding the XXXX message on my monthly mortgage statement. Having XXXX in XXXX and XXXX. I felt it did not accurately reflect my current mortgage history and violated FCRA by placing this statement on my monthly mortgage at which gives the appearance to any lending institution that I am in an actively XXXX. It blatantly limits the capacity to refinance or get a HELOC from anyone other than New REz without extreme difficulty which hinders the consumer right to select the lender of choice. He stated on XXXX occasions during the conversation that is remains through the life of the XXXX. I stated my XXXX was XXXX and my mortgage was reaffirmed. He then began to become even more rude interrupting and not allowing me to ask any questions. He basically told me to go and learn about XXXX. I requested a XXXX and he stated there was not XXXX. Since there is not XXXX. I will escalate my concern to the CFPB.

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 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I contacted XXXX regarding a XXXX drop in my XXXX XXXX due to a reported late payment. I explained that the payment was made by my wife just XXXX day after the XXXX grace period. A XXXX supervisor told me clearly and repeatedly that the late payment would be removed during the next credit reporting cycle. I asked her to repeat the statement XXXX times to confirm I understood her correctly, and she confirmed each time that no further action was needed on my end. 
On XX/XX/XXXX, I called again simply to confirm that everything was in motion, based on what I was told on XX/XX/XXXX. The rep I spoke to said there were no notes in the system, and that the matter would be escalated. I was told to expect a callback from the escalation team within XXXX hours that never happened. 
I sent a follow-up email later that day ( XX/XX/XXXX ) to document the issue. On XX/XX/XXXX, I received a vague response stating that my case had been assigned to a rep named XXXX but I still have not received any meaningful updates or confirmation that the issue is being addressed. 
I have now been misled and ignored over a verbal commitment made clearly and repeatedly on a recorded line. I followed the instructions I was given in good faith, yet XXXX has failed to follow through, causing serious and unjustified damage to my credit.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Immediate deletion of the fraudulent accounts reported under : XXXX XXXX Account # XXXX Portfolio Recovery Associates Account # XXXX Blocking of all identity theft-related data and inquiries under FCRA 1681c2, as I have already submitted my FTC Identity Theft Report, government-issued ID, Social Security card, and proof of address.

Written confirmation that the above items have been removed and the identity theft block was applied.

An updated and corrected credit report reflecting the deletions and clean file status.

This is not a request for a favor it is a demand for compliance with federal consumer protection laws, including FCRA 1681b ( c ), 1681c-2, 1681i ( a ), and 18 U.S.C. 1028A. I am requesting timely action to stop the ongoing harm to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Attempted to open Personal loans with my information - Hard inquiry was made on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 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: MOHELA
State: PA

Complaint narrative:
This letter is a formal response to your communication dated XX/XX/XXXX, regarding my dispute originally submitted to MOHELA and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, concerning the federal student loan currently serviced under my name. 

Let me be clear : I am disputing the validity and enforceability of the consolidation loan and any subsequent loans tied to it, based on the absence of documented, verifiable proof of the original underlying loans that were allegedly consolidated in XXXX. 

You have failed to provide any Master Promissory Note ( MPN ), signed agreement, or documentation that establishes I agreed to or received the original loans that were purportedly consolidated. If you can not produce valid contracts for those underlying loans, then the consolidation loanregardless of whether a promissory note exists for itis legally baseless. A consolidation loan can not be created from debt that is undocumented or potentially nonexistent. 

Further, continued reporting of this unverifiable loan to credit reporting agencies constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and capable of being substantiated. In the absence of proof of the original debt, your continued servicing and reporting of this loan amounts to furnishing inaccurate and unverified information. 

I hereby demand the following : 1. Immediate removal of this loan from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ) ; 2. Written confirmation from MOHELA that no legally binding documentation exists for the original loans ; 3. Cessation of any collection activities or reporting related to this loan ; 4. Disclosure of all documents in your possession that relate to the creation, disbursement, and servicing of both the original loans and the XXXX consolidation loan. 

If you continue to report this unverifiable debt to the credit bureaus, or if you do not provide legally sufficient documentation within XXXX business days, I will take further action, including submitting formal complaints to the XXXX Department of Education Ombudsman Group, the Federal Trade Commission, and the Pennsylvania Attorney Generals Office. I also reserve the right to pursue legal remedies under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, including statutory damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2025-07-16 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief