vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: HW Holding, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Credit Dispute under FCRA Hunter Warfield ( Acct # XXXX ) Dear XXXX, I am formally disputing the accuracy of an account listed on my XXXX  credit report. The information in question pertains to : Creditor : Hunter Warfield Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am requesting that you conduct a reasonable investigation into this matter. I do not acknowledge this debt, and I have not received any communication validating this obligation from the creditor or collector. 

Additionally, per the FCRA, 15 U.S.C. 1681b, no party has the legal authority to furnish information to consumer reporting agencies without permissible purpose. If this account can not be verified with original documentation, I request that it be immediately deleted from my file. 

I also remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 5 ) to remove or correct any information that can not be verified within the required XXXX time frame. 

Please complete your investigation and provide written confirmation of your findings. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-30 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: MD

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! 

"

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 2025-05-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX  Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$5200.00} Open Date XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AR

Complaint narrative:
REQUEST REMOVAL AFTER FALSE VERIFICATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX DOB : XX/XX/XXXX SSN : XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX RE : XXXX  Listing Not Verified By XXXX XXXX nor by XXXX. 
On XX/XX/XXXX, I received my credit report from you online. It included the following incorrect information 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 I am enclosing a copy of my Equifax Credit Report with the FALSE VERIFICATION data highlighted. I just received a letter from XXXX  and from both XXXX XXXX XXXX, stating that they DO NOT REPORT NOR DO THEY FURNISH INFORMATION TO ANY CONSUMER REPORTING AGENCY.ALL XXXX ALSO STATED THAT THEY DO NOT VERIFY OR VALIDATE CONSUMER REPORTING CREDIT INFORMATION. 
If XXXX  and the XXXX XXXX XXXX  DO NOT VERIFY, REPORT OR VALIDATE, how did you validate or verify? XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow-up. BECAUSE XXXX  AND XXXX XXXX XXXX  HAVE BOTH STATED THEY DO NOT VERIFY NOR VALIDATE, PER MY LETTERS ATTACHED .. LETTERS DIRECTLY FROM XXXX  AND THE XXXX XXXX XXXX Please forward me an updated credit report after you have actually lied that you verified. Please removed these XXXX  FROM MY CREDIT TODAY, OTHERWISE, MY NEXT ACTION WILL BE A LAWSUIT FOR PUNITIVE DAMAGES. ( OR ) provide your proof of validation and verification thats different from what XXXX  AND BOTH XXXX XXXX XXXX  STATES. 
Your cooperation and prompt attention are greatly appreciated. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Im filing a complaint against Prosper Card, issued by XXXX XXXX XXXX, for unfair treatment, misleading communication, and poor customer service regarding a credit limit reduction that makes no sense based on my actual credit profile. 

I opened this account on XX/XX/XXXX. I made every single payment on time and in XX/XX/XXXX I paid off the full balance of {$1600.00} to bring the card to XXXX. A few days later, Prosper reduced my credit limit from {$2000.00} to {$500.00}. The letter I received said it was due to a drop in my credit score and new accounts being opened, but that is not accurate. 

My credit score has gone up over the past few months. I have not opened any new revolving accounts, only federal student loans. I have no late payments, no collections, and the only inquiries on my report are for a car loan from last year and the student loans. Ive been working hard to pay down all my balances, including this card. Their reasoning doesnt match my actual credit file. 

I emailed Prosper to request a manual review and never received a reply. I called and the first representative transferred me to a supervisor who was difficult to understand and kept falsely claiming that the credit bureau was the one that lowered my credit limit. That is not how this works. Prosper made this decision, and I tried to explain that. She refused to let me speak to another supervisor and told me that if I chose to close the card, I would never be allowed to open another Prosper product again. I said that seemed excessive, and she confirmed it was policy. 

Because I was still confused, I called back and asked to speak to another supervisor. The second manager I spoke to was polite but also hard to understand. I asked him to send me documentation showing what information led to this credit limit decision, but I am honestly not sure if he agreed or understood what I was asking for. I also asked him to confirm that I would never be allowed to have a Prosper product again, and he said that was true. 

I feel I was treated unfairly. I had a perfect payment history, I paid off the balance myself, and then was penalized. No one gave me a straight answer or clear communication, and I was basically punished for closing the account on my own terms. I did everything right with this card, and instead of being rewarded for that, I was treated poorly, given inaccurate information, and permanently banned from using their services again. In addition, an unjustified drop in limit like this affects my credit score adversely which is what I am working to improve. Im asking the CFPB to review how Prosper handles these types of decisions and how they communicate with customers who are just trying to get answers.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-30 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : 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 Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-30 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NM

Complaint narrative:
I have an investment with Robinhood. In XXXX XXXX and XXXX. I can't log in to my account. My cell phone broke and I can't log into my apps. They said I can use my laptop. They ask for a picture of your ID front and back. When try to load the bar code as request, they have a bar code blocking your ID bar code. it will not load. I wonder if they are keeping people out of their account to take money. I am not the only one feels this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am a veteran with a VA-backed mortgage loan who experienced financial hardship during the COVID-19 pandemic and requested assistance through a VA loan modification. I submitted a Borrower Assistance Application to Rushmore Loan Management Services in XXXX XXXX while still on XXXX XXXX in the XXXX XXXX. My application was denied, with no reasonable justification under VA guidelines. I later appealed this denial, and during the period between denial and appeal, Rushmore initiated foreclosure proceedings against me despite the pending request and appeal process. 

In XXXX XXXX I was required to submit a second modification application, this time as a medically retired veteran with reduced income. Rushmore then approved a modification, but at a 7.625 % interest rate, more than double my original 3.625 % rate. This decision resulted in a projected {$130000.00} increase in total interestmore than 50 % of the original loan amountwhich defeats the purpose of a hardship modification. 

According to VA Circular XXXX, the modified interest rate should not exceed 1 % over the borrowers existing rate or the XXXX XXXX Primary Mortgage Market Survey Rate + 0.5 % at the time of modification. The rate Rushmore applied violated these limits, which I believe constitutes non-compliance with VA program guidelines and potentially abusive servicing conduct. 

Additionally, I was not provided proper disclosures related to the VAs COVID-19 Veterans Assistance Partial Claim Payment program, nor was I offered all available VA loss mitigation options. I believe Rushmore intentionally delayed my initial application, potentially to issue a modification at a higher rate after market interest rates surged or VA guidelines changes were imminent. 

I have submitted a Qualified Written Request ( QWR ) seeking full account and servicing records and am submitting this CFPB complaint to request resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an BANK | account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX  ON XX/XX/XXXX. My consumer XXXX credit report maintained by you which shows the aforementioned. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-30 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: Applied Data Finance, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
Im formally requesting that you certify that every piece of data tied to this account truly and fully belongs to me. That means full verification not assumptions, not partial matches, but complete accuracy down to every detail.

Company response to consumer: Closed with non-monetary relief