vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-11 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: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX -Balance {$490.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Balance {$4500.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$3900.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX -Balance {$23000.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$3500.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$800.00} -Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, a charge of {$2100.00} from XXXX was processed on my Capital One credit card. The accommodations and services were not provided as promised, and the property created unsafe and hostile conditions. 


On XX/XX/year>, I received a partial refund of {$1000.00}, but I am still owed {$1000.00}. I contacted Capital One to dispute the charge under the Fair Credit Billing Act, but the bank has not resolved the issue or refunded the remaining balance. 


I am requesting that Capital One process a chargeback for {$1000.00} and provide written confirmation that I will not be held liable while the dispute is under investigation. This transaction reflects a failure to provide services as agreed and should be refunded in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Quicken Loans wrongfully foreclosed on our home and committed fraud by not giving full disclosure. The loan was sold, pooled and turned into a security and once this was done the alleged holder can no longer claim that it is a real party of interest, as the original lender has been paid in full. Once the Note was converted into a stock or stock equivalent, that event would indicate that the Note is no longer a Note. If both the Note and the stock, or stock equivalent exist at the same time, that is known as double dipping. Double dipping is a form of securities fraud. Once the loan was securutized that event indicates that the loan forever loses its security component ( i.e. the Mortgage ), and the right to foreclose through the Mortgage is forever lost. The Promissory Note was converted into a stock as a permanent fixture. As a stock it is goverened as a stock under the rules and regulations of the SEC. There is no evidence on Record to indicate that the Mortgage was ever transferred concurrently with the legal transfer of the Note, such that the Mortgage and Note has been irrevocably separated, thus making a nullity out of the purported security in a property, as claimed. They did not dislose that they did not lend us any money and it was our signature on the promissory note that created the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
Ive noticed that the inaccurate accounts are still appearing on my credit reports, and they have not been removed. I am pleading for the documents Ive attached to be reviewed thoroughly so that I can finally stop worrying about these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was never let known of the credit debt I had I didnt open the account never even applied for that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I have disputed the accuracy of XXXX accounts being reported by XXXX XXXX XXXX  on my credit reports. Despite sending XXXX rounds of written disputes ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ), the information continues to be furnished inaccurately, and the bank has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX has repeatedly provided only generic responses stating the accounts are accurate, but has not provided any documentation such as : Original signed applications/contracts, Complete payment histories, Proof of balances, or Clarification of contradictory reporting.

Issues with Reporting Contradictory Statuses Accounts are reported as both XXXX and XXXX simultaneously. 

Balance Inconsistencies Balances reported ( {$1000.00} and {$610.00} ) are not substantiated with records. 

Payment History Errors Late payment notations are reported without supporting billing statements. 

Conflicting Remarks Remarks such as Unpaid Balance Reported as Loss and Account Information Disputed by Consumer contradict each other. 

Failure to Investigate XXXX XXXX has failed to comply with FCRA 623 ( b ) by not conducting a reasonable investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
I have disputed the accuracy of XXXX accounts being reported by XXXX XXXX XXXX  on my credit reports. Despite sending XXXX rounds of written disputes ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ), the information continues to be furnished inaccurately, and the bank has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX has repeatedly provided only generic responses stating the accounts are accurate, but has not provided any documentation such as : Original signed applications/contracts, Complete payment histories, Proof of balances, or Clarification of contradictory reporting.

Issues with Reporting Contradictory Statuses Accounts are reported as both XXXX and XXXX simultaneously. 

Balance Inconsistencies Balances reported ( {$1000.00} and {$610.00} ) are not substantiated with records. 

Payment History Errors Late payment notations are reported without supporting billing statements. 

Conflicting Remarks Remarks such as Unpaid Balance Reported as Loss and Account Information Disputed by Consumer contradict each other. 

Failure to Investigate XXXX XXXX has failed to comply with FCRA 623 ( b ) by not conducting a reasonable investigation.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
We accessed our mortgage account on XX/XX/XXXX and immediately noticed that the loan payment amount was incorrect, with no option to adjust it online. We promptly contacted our mortgage agent, who escalated the issue to United Wholesale Mortgage ( UWM ) to request a correction before we made the payment. 

After a week with no resolution, we called UWM directly and waited over XXXX hours to speak with an agent. We were told a work order had been created and to wait another week for the issue to be resolved. 

This same process repeated XXXX times : each week, we spent hours on the phone with UWM, only to be told the issue was being worked on and would be fixed soon. Unfortunately, despite our efforts and clear intent to resolve the payment, the error persisted due to UWMs inaction.

To our surprise, we later discovered that UWM had reported a late payment to the credit bureaus, which caused a significant drop in our credit score. This negative report was a direct result of UWMs failure to correct the payment amount. 

We took immediate and repeated action to fix the issue, yet we were penalized for delays that were completely outside of our control. This situation has cost us valuable time, energy, and has unfairly damaged our credit. More importantly, the ongoing stress, frustration, and emotional toll caused by UWMs lack of resolution has been overwhelming. It is deeply unacceptable that, despite our best efforts to resolve the matter responsibly, we have been made to suffer the consequences of a mistake that was not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally demand that you cease all collection activities regarding the alleged debt associated with my name and the last XXXX digits of my Social Security XXXX ( XXXX ) XXXX. As a consumer, I am entitled to specific rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I am exercising those rights through this letter. 
Previous Correspondence : On XX/XX/year>, I submitted a formal request asking you to cease collection activities while validating this alleged debt. Unfortunately, I did not receive a satisfactory response to that request. Therefore, I am reiterating my demand that you cease all collection efforts and remove this account from any credit reporting until proper validation has been provided.

FCRA Violations : 1. Failure to Validate Debt : Under FCRA Section 609, I have the right to request validation of any debts claimed against me. To date, I have not received valid proof of this alleged debt, warranting an immediate halt to all collection activities until you provide adequate verification.

2. Inaccurate Reporting of Information : Under FCRA Section 607, you are required to ensure the accuracy of the information you report to credit bureaus. Continuing collection of this alleged debt without proper validation constitutes a violation of this requirement.

3. Sale of Debt Without Consent : If this alleged debt has been sold to your company without my prior knowledge or consent, it is an unlawful act. All debt collection practices must adhere to applicable laws, necessitating data accuracy and verification.

4. Unlawful Collection Practices : The failure to provide proper validation combined with ongoing collection attempts constitutes a breach of my rights under the FCRA and other relevant consumer protection laws.

Demand for Action : I hereby demand that you immediately : - Cease all collection efforts regarding this account until proper validation has been provided.

- Remove this account from all reporting to consumer credit agencies.

- Provide a written response confirming receipt of this request and your compliance with these demands.

Failure to comply with these requests may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A collection account from LVNV Funding LLC, c/o Resurgent Capital Services , is being reported on my XXXX  credit report as open with a balance. I previously disputed this account with XXXX, but it remains unchanged. I am requesting verification that this account is accurate and belongs to me. If the company can not fully verify it, the account should be removed from my credit report in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC/ XXXX XXXX XXXX has been reporting a debt on my credit file that I believe is inaccurate and not properly verified. Despite my written disputes requesting validation of the debt, the company has continued to report it to the credit bureaus without providing the required documentation to prove it is mine, the correct amount, or legally collectible. This has caused damage to my credit, stress, and difficulty obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am writing to formally request a reinvestigation of a charge-off listed on my credit report under the account referenced above. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. I believe this reporting may be inaccurate or incomplete, and I am requesting that your office reinvestigate this item. Please verify the following : The accuracy of the reported balance, dates, and payment history. 
That the account is being reported in compliance with all federal and state laws. 
That the creditor has provided documented proof that this account is valid, accurate, and legally enforceable. 
If the information can not be verified within the required time frame ( 30 days ), please remove this charge-off from my credit report as required under the FCRA. 
Please send me the results of your reinvestigation in writing. 
Thank you for your prompt attention to this matter.

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 2025-09-11 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: GA

Complaint narrative:
I just saw that unauthorized inquiries are still appearing on my credit report this morning, and I have no idea why. Even after refreshing my browser, they remain. I am extremely frustrated and urgently need the documents I sent to be reviewed carefully so this never happens again.

Company response to consumer: Closed with non-monetary relief