vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
On XXXXXXXX XXXX XXXX I applied for refinancing through credit karma with XXXX XXXX  On XX/XX/XXXX I returned their message to provide more information.m at XXXXXXXX XXXX XXXXXXXX. After providing information I ask them if they were a refinance company they reported no they act as a third party. I informed them I dont want my credit pulled by different lenders. The representative told me he would cancel the application and hung up abruptly. Shortly after I received notifications of hard inquiries from multiple unknown sources that I did not consent to. Furthermore, I started receiving calls from businesses like XXXX who I never contacted.

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 2025-07-11 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I lost my phone and had to get a new one my cashapp is logged into my number so I had to get a new number .I tried logging in but that done closed my account .called cashapp they giving me the run around say go on the app and chat with support but the account locked so I can't even go that far .I 've had the account for years and they giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
1 Summary of the Problem For more than seventy-five ( 75 ) days, Newrezs online mortgage-servicing portal has had an inoperative Add Bank Account button. Each time I log in and attempt to add or update my ACH information, the site returns an Unexpected token error and blocks submission of routing and account numbers. This defect has prevented me from making payments electronicallyNewrezs preferred and, in my case, only feasible method of payment. 

2 Timeline of Attempts to Resolve XX/XX/scrub> 2025 : I reported the portal error to Newrez customer support. 
XX/XX/scrub> 2025 : I followed up when the defect persisted. 
Today ( XX/XX/year>2025 ) : The error remains unchanged despite repeated assurances from support that a fix was coming soon. 

3 Applicable Law & Harm Under 12 U.S.C. 2605 ( e ) ( RESPA ) and related regulations, a servicer must accept payments and properly credit them. Blocking a borrowers lawful attempts to pay constitutes a servicing error. Because Newrezs portal failure has made timely payment impossible, I now face the risk of : Improper late fees or default interest Adverse credit reporting Potential acceleration of the loan 4 Relief Requested I respectfully ask the CFPB to investigate and require Newrez to : 1. Restore full portal functionality so customers can add or update bank-account details and make ACH payments without error.

2. Confirm in writing that no late fees, default interest, or negative credit reporting will be assessed for any installment due on or after XX/XX/scrub> 2025 until the portal is fully operational. 
3. Provide a fee-free alternative payment method, such as a direct phone line to an authorized representative who can accept payments without additional charges while the portal remains defective.

4. Issue a written response within the time limits set by RESPA addressing the error and outlining corrective steps.

5 Supporting Documentation I am prepared to supply : Screenshots of the Unexpected token error message Call logs and emails documenting my communications with Newrez support Payment-history statements showing inability to process ACH 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-07-11 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:
I am writing to dispute inaccurate and fraudulent items that have been reported under my credit file. I did not authorize these accounts, nor have I had any connection to the transactions involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXXI am submitting a complaint with fifth third bank in XXXX  MI, XXXX. My name is XXXX XXXX I am XXXX  years old XXXX  when I was born, my grandmother and grandfather opened up a CD account with fifth third bank in XXXX. I was told by my mother, that when I turned XXXX, I would be able to access the account, that they put XXXX in there, and that it was accumulating interest over the years. Unfortunately,  my grandmother, (XXXX XXXX XXXX) passed away in XXXX. My grandfather (XXXX XXXX XXXX passed away in XXXX. Fifth third bank told me, because I am still listed as a "XXXX  owner" on the account, I can\'t access my funds, and legally speaking, still a XXXX. They told me after I turned XXXX, my grandparents were supposed to change me to an adult owner on the account. I have shown fifth third in XXXX  MI their death certificate not once, but TWICE. My uncle XXXX XXXX, showed fifth third their death certificates as soon as my grandfather passed away in XXXX(to close his personal banking accounts). Since they did their banking there. I talked to them earlier today, and they told me to bring their death certificates in a THIRD time, to discuss the account. Last time I was told I would need a LAWYER to get the funds, to have my name on there changed to an adult owner. Then they tell me I need to fill out some paperwork to have my name changed. I call to set something up to get the paperwork filled out...they suddenly have no clue what paperwork I\'m talking about. I dont want to have to argue with them, and keep showing them their death certificates over and over again. They\'re withholding the money. when I called last month, they told me since it\'s been 20 years since their was any activity on my account, they were going to turn my CD inheritance to the state (unclaimed asset?) they told me they would call me back, and never did. I need help getting the CD, they won\'t even answer if they still have the CD or if the State does. \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I recently became aware of credit data on my file that I did not authorize or initiate. These entries were added without my knowledge and are a result of identity misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I pulled my credit report and noticed these unauthorized hard inquires that were not initiated by me they are listed below. Please remove immediately as a results of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my credit report. The negative accounts have hurt my ability to obtain new credit. Please remove the collections as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my credit report. The negative accounts have hurt my ability to obtain new credit. Please remove the collections as I have been a victim of 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 2025-07-11 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: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 2025-07-11 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX  XXXX  account under an XXXX XXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance Corporation Attn : Consumer Relations/ Disputes XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX Re : Formal Dispute Forged Signature and Validation Request Account Name : Credit Acceptance Corporation CFPB Complaint Number : XXXX Dear Credit Acceptance Corporation , I am writing to formally dispute the accuracy and legitimacy of the Credit Acceptance Corporation account currently reported on my credit file. 

After reviewing documents submitted to the Consumer Financial Protection Bureau ( CFPB ), I discovered a contract that includes a typed or pasted signature identified as XXXX, which I have never used or authorized. 

This signature is not a wet ink signature, nor was it electronically signed by me with my consent. I never authorized Credit Acceptance or any other party to use my name or initials in this manner.

The submission and reporting of a contract containing a forged or fabricated signature violates several federal laws, including : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable information FCRA 607 ( b ) : Failure to ensure maximum possible accuracy of reported information FCRA 623 ( a ) ( 3 ) : Failure to mark the account as disputed during investigation Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ) : Use of electronic signatures without proper disclosure or consent Fair Debt Collection Practices Act ( FDCPA ) 807 ( 15 USC 1692e ) : Use of false, deceptive, or misleading representations in debt collection Therefore, I demand the following : 1. Immediate deletion or suppression of this account from all credit reporting agencies until valid proof of my authorization is provided.

2. A copy of the original wet ink signature or valid electronic signature consent and audit trail.

3. Written confirmation of these actions within 15 days of receipt of this letter. 

Failure to comply will result in further action, including escalating this dispute to federal and state regulators and pursuing all available legal remedies. 

Please treat this as a formal dispute and verification request under the Fair Credit Reporting Act. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My VA-backed mortgage ( Loan # XXXX ) was foreclosed by XXXX XXXX on XX/XX/XXXX, while I was a XXXX XXXX service-connected XXXX XXXX XXXX XXXXXXXX veteran. The VA had an active foreclosure moratorium through XX/XX/XXXX, and paused all foreclosures beginning XX/XX/XXXX. My foreclosure occurred just weeks before the pause and during the VAs request that servicers halt foreclosures. 

I believe this foreclosure was improperly processed and should not have occurred, especially given my protected veteran status and active hardship. It is currently listed on my credit report, significantly harming my financial stability and access to housing. I have submitted a goodwill removal request directly to the servicer but have not received help or acknowledgment.

I request the CFPB review this for potential improper foreclosure during a VA moratorium and assist in having this derogatory account removed from my credit history.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My VA-backed mortgage ( Loan # XXXX ) was foreclosed by XXXX Mortgage on XX/XX/XXXX, while I was a XXXX XXXX service-connected XXXX XXXX XXXX XXXXXXXX veteran. The VA had an active foreclosure moratorium through XX/XX/XXXX, and paused all foreclosures beginning XX/XX/XXXX. My foreclosure occurred just weeks before the pause and during the VAs request that servicers halt foreclosures. 

I believe this foreclosure was improperly processed and should not have occurred, especially given my protected veteran status and active hardship. It is currently listed on my credit report, significantly harming my financial stability and access to housing. I have submitted a goodwill removal request directly to the servicer but have not received help or acknowledgment. 

I request the CFPB review this for potential improper foreclosure during a VA moratorium and assist in having this derogatory account removed from my credit history.

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