vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 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: TX

Complaint narrative:
I checked my credit report and noticed several Items I did not authorize nor did i give any person 's permission to open on my behave. I am victim of id theft and willing to prosecute. The accounts and inquiries are listed as followed the inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please supply information on how you have verified this item.XXXX. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft, and I have included a police report. Please investigate and remove from my credit report.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Transunion by several different methods and requested the following hard inquiries be deleted from my credit file because they were not authorized. 
They have refused to verify this inquiries as I have stated they were not authorized by me. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 filing this dispute to challenge the accuracy of specific accounts appearing on my credit report. These accounts were not opened by me, nor did I give anyone permission to use my personal information in this manner. I am the victim of fraudulent activity, and I insist that these unauthorized entries be removed 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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I sent in full payment of a balance two weeks before due date in XX/XX/year>. A late fee was charged on the XXXX balance. I called to complain and the agent ridiculously said it didn't matter when I mailed in the payment because it wasn't processed by the due date! I closed the account and sent back the credit card. I have been receiving non-stop phone calls and billing statements every month adding additional late fees creating an increasingly fradulent balance. I wrote the company three letters since then but they keep harassing me with phone calls and voicemails and letters insisting I phone them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am submitting this complaint regarding a prolonged issue with my federal student loan, previously serviced by Mohela and now under StudentAid.gov.

Mohela was supposed to redistribute {$6500.00} of my payments to reflect a paid-ahead status. Although they eventually did this, the servicing transition to StudentAid.gov failed to preserve this reapplication. Since then, I have contacted support repeatedly for over a year and continue to receive vague or repetitive responses.

I was told my account needed to be rebuilt, but the issue has never been resolved. My account does not reflect the correct status, and I have no written confirmation of what was done.

I am requesting that this payment application be fixed and that my account accurately reflect the status I had already established through those payments.

Thank you for investigating this on my behalf.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 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 submitting this dispute to bring attention to a late payment reflected on my credit file that I believe to be inaccurate. I have always paid my obligations on time and can provide proof that the payment in question was not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — FHA 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am writing to formally express my concern regarding the handling of my recent FHA loan modification process with LakeviewXXXX I was enrolled in a forbearance plan due to a temporary financial hardship and was actively working with your representatives to transition into a permanent loan modification. I was informed that I met all the qualifications and would be placed on a trial payment plan as the next step toward securing the modification. 

During my conversations with your team, I clearly communicated that I would be starting a new job in a few weeks and would not be able to make the first trial payment until my employment began. I was assured that I would receive a packet in the mail and would have time to make the initial payment. 

Unfortunately, the trial payment was scheduled sooner than what was discussed, and I received notice from Lakeview/XXXX stating that I had missed the first payment and was therefore disqualified from the loan modification program. This decision appears to be based on a miscommunication, as I was transparent about my situation and was led to believe the timeline would align with my ability to pay. 

I am a XXXX military veteran who experienced a temporary but significant hardship. Despite this, I have maintained excellent credit and a perfect mortgage payment history. My hardship has since been resolved, and I am now in a stable position to resume and maintain my monthly mortgage payments without issue. 

It is disheartening to feel that I am being penalized due to a misunderstanding, especially after proactively communicating my circumstances in good faith. I respectfully request that LakeviewXXXX reconsider my eligibility for the loan modification program or offer an alternative resolution that allows me to retain my home and continue making timely payments.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Dispute of Charged-Off Account XXXX XXXX  and Experian eporting Account Number : XXXX Amount : {$3800.00} SSN ( last 4 digits ) : XXXX XXXX : XX/XX/year> Subject : Formal Dispute of Charged-Off Account- XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX {$1400.00} XXXX ( last four digits/ ) : XXXX XXXX : XX/XX/year> Dear Experian Dispute Department, I am writing to formally dispute the accuracy and legality of a charged-off XXXXXXXX XXXX  account being reported on my credit file in the amount of {$3800.00}. In addition collection agency XXXX XXXX XXXX for the amount of {$1400.00}. After reviewing my credit report, I believe this item is being reported in violation of federal and commercial law, and I request its immediate deletion. 

Legal Basis for Dispute 1. FCRA 1681i ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information I am exercising my right under the Fair Credit Reporting Act to dispute information that is inaccurate, incomplete, or unverifiable. Under this statute : " If the completeness or accuracy of any item of information contained in a consumer 's file... 
is disputed... the agency shall, free of charge, conduct a reasonable reinvestigation ... '' You are required to : Complete this reinvestigation within 30 days Remove or correct unverifiable or inaccurate information Provide written notice of the outcome 2. FCRA 1681s-2 ( 15 U.S. Code 1681s-2 ) Duties of Furnishers XXXXXXXX XXXX  , as a furnisher, is legally obligated to : Not report information they know or have reason to believe is inaccurate Correct and update information that is incomplete or incorrect Cease reporting if information can not be verified If XXXX XXXX XXXX XXXX XXXX has failed to verify the accuracy of this chargeoff/collection or reported it incorrectly, its continued presence violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) ( B ).

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 2025-06-24 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: NJ

Complaint narrative:
I sent your company a letter disputing the account number XXXX with XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Dispute of Credit Reporting under 15 USC 1692g Request for Validation of Debt Dear Credit Reporting Agencies / Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the accuracy and validity of a credit card collection account appearing on my credit report. The account in question has been placed with a third-party debt collector, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and under the Fair Credit Reporting Act ( FCRA ). 
Account Details ( as listed on my report ) : Creditor : XXXX XXXX Collection Agency : PORTFOLIO RECOV ASSOC Date Opened/Reported : XX/XX/year> Under 15 U.S.C. 1692g, I hereby request that you verify and validate this debt by sending : Assignment contract or full chain of assignment, Bill of sale from original creditor with identifying account details, Account level documentation signed contract, statement, Charge off details, Proof of licensing and bonding to collect in the state of Texas, Full breakdown of how the balance was calculated ( principal, interest, and fees ). I do not acknowledge ownership of this account, nor do I concede to the accuracy of any details associated with it. Until the debt collector furnishes proper validation of the debt including the Assignment contract or full chain of assignment, Bill of sale from original creditor with identifying account details, Account level documentation signed contract, statement, Charge off details, Proof of licensing and bonding to collect in the state of Texas, Full breakdown of how the balance was calculated ( principal, interest, and fees ) I am requesting the removal or suppression of this account from my credit file with your bureau. 
Additionally, under the Fair Credit Reporting Act, I request that a full reinvestigation be conducted under 15 U.S.C. 1681i, and that all supporting documentation related to the reporting of this account be provided to me in writing.

If the account can not be verified within the required timeframe ( 30 days from receipt of this letter ), I request that the account be removed immediately from my credit report as unverified, as required by federal law. 
Please mail me confirmation of the results of your reinvestigation, as well as a copy of my updated credit report reflecting any changes. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My vehicle was totaled XX/XX/XXXX. XXXX XXXX is who my payments are made to between XXXX XXXX and XXXX apparently there was a miscommunication and rather than my vehicle being labeled a total loss it was labeled impounded meantime I opened a claim with my insurance to pay off the vehicle they overnighted a check. I did what I was supposed to do as far as creating a claim with my gap insurance because XXXX XXXX did not label my case status properly they did not move forward in getting the remainder of the payment from the gap company and instead they reported my payment being over 30 days late as of today, XX/XX/year>, but the vehicle was totaled two months prior and I had provided all documentation all communication to everybody and apparently when gap contacted XXXX XXXX, they could not locate the vehicle in total loss because it was mislabeled as being impounded This affected my credit by XXXX points!!

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My vehicle was totaled XX/XX/XXXX. GM financial is who my payments are made to between GM Financial and Cadillac apparently there was a miscommunication and rather than my vehicle being labeled a total loss it was labeled impounded meantime I opened a claim with my insurance to pay off the vehicle they overnighted a check. I did what I was supposed to do as far as creating a claim with my gap insurance because GM Financial did not label my case status properly they did not move forward in getting the remainder of the payment from the gap company and instead they reported my payment being over 30 days late as of today, XX/XX/year>, but the vehicle was totaled two months prior and I had provided all documentation all communication to everybody and apparently when gap contacted GM financial, they could not locate the vehicle in total loss because it was mislabeled as being impounded This affected my credit by XXXX points!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My vehicle was totaled XX/XX/XXXX. XXXX XXXX is who my payments are made to between XXXX XXXX and XXXX apparently there was a miscommunication and rather than my vehicle being labeled a total loss it was labeled impounded meantime I opened a claim with my insurance to pay off the vehicle they overnighted a check. I did what I was supposed to do as far as creating a claim with my gap insurance because XXXX XXXX did not label my case status properly they did not move forward in getting the remainder of the payment from the gap company and instead they reported my payment being over 30 days late as of today, XX/XX/year>, but the vehicle was totaled two months prior and I had provided all documentation all communication to everybody and apparently when gap contacted XXXX XXXX, they could not locate the vehicle in total loss because it was mislabeled as being impounded This affected my credit by XXXX points!!

Company response to consumer: Closed with non-monetary relief