vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am submitting this complaint regarding a hard credit inquiry that appeared on my report without my knowledge or consent. 

Details : Company : XXXX Inquiry Date : XX/XX/XXXXXXXX  Scheduled Removal Date : XX/XX/XXXXXXXX  Business Type : Mortgage Companies Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX : ( XXXX ) XXXX I did not apply for a mortgage or authorize XXXX XXXX or its data vendor XXXX to access my credit file. This inquiry was made without my permission, and I request that it be removed immediately. This action violates : FCRA Section 604 Credit reports may only be accessed with consumer permission or for a permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against TransUnion Regarding Repeated Charge-Off Reporting on XXXX  Account and Failure to Provide 1099-C Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion regarding the inaccurate and potentially unlawful reporting of my XXXX  account # XXXX. 

Nature of the Complaint : While shopping for a vehicle, I reviewed my credit report and discovered that this XXXX  account is reported as charged off for nine consecutive monthsfrom XX/XX/XXXXXXXX  through XX/XX/XXXX ( XXXX ). 

This repeated monthly reporting of a charge-off is misleading and appears to double-report the derogatory status of the account. A charge-off is a one-time event, not something that should be marked as occurring repeatedly. This type of reporting creates the false impression of multiple charge-offs and further damages my credit profile. 

Additionally, I have never received a 1099-C form, which would be required if the debt had been forgiven or canceled. The absence of this IRS-mandated form raises questions about whether the account has truly been discharged and whether the reporting is legally accurate.

Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in the information it provides.

Repeatedly listing a charge-off month after month violates this standard and is misleading to lenders. 

If the debt has been canceled, a 1099-C is required, and failure to issue one may reflect a violation of both IRS and consumer reporting obligations.

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 2025-05-20 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: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or around XX/XX/2025, I received a credit alert indicating that a foreclosure had been reported to TransUnion. However, no Final Judgment of Foreclosure has been entered by any court, making this reporting false, misleading, and injurious to my credit profile. 

I am also challenging the validity of the underlying mortgage and lien. During the refinance transaction, no actual disbursement of funds occurred from either the lender or the title/settlement company ( XXXX XXXX XXXX XXXX My signed promissory note was used to generate credit, but no lawful consideration was extended by the lender from their own asset account. This renders the mortgage void and unperfected under : UCC 9-203 ( b ) ( 1 ) and XXXX  XXXX XXXX Despite this, a lien was recorded, securitized, and now a foreclosure is being reported, even though no enforceable security interest exists. This conduct amounts to : Unlawful credit reporting under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ), False representation of debt under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692e ), And unjust enrichment and constructive fraud.

I am requesting that the Consumer Financial Protection Bureau investigate these entities and require that : The foreclosure entry be immediately removed from my credit file, The companies produce proof of lawful consideration and disbursement, All further foreclosure and collection actions be cease and desisted pending resolution of 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) 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.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
Im going to be completely honest, I dont have exavt dates of the times I attempted to log in to my account. I was unaware that MOHELA changed its srvicer once again. I tried login in and it said user not found even when I inputted my social security number. This went on for a few months until XXXX day I decided to register as a new user and see what happened, I had never thought about that before. I then got access to my account in XXXX and all of my loans showed as a delinquent status. I attempted to call MOHELA multiple times and every time I called my wait time was over XXXX hours. I waited the XXXX hours and several days the call just dropped. It was impossible to get a hold of MOHELA. I then got notified through my bank, my financial advisor and realtor that my credit score went from XXXX to XXXX. All within one month because the new administration accessed my account and provided information to my credit. It affected many aspects of my life, a pending home to be soon mine. I finally got a hold of Mohela today and was told there were no options to remove the delinquent status on my credit report, even if I paid my entire past due balance right now. I wad told it would only change moving forwards and that there was no way of removing the XXXX score from XXXX and the XXXX score from XXXX. I even tried to make my payment today, which is due today XX/XX/XXXX and was told that it would still not bring my account to current, that my only option was forberance for a month but it would still not remive those low scores for 2 months. I am a responsible person who takes good care of her finances. The fact that MOHELA made numerous changes to their website login, servicer and guidelines is unacceptable and unfair to us. I lost the opportunity to purchase a home. My current rental lease is due XX/XX/XXXX and have no chances of getting accepted into a new apartment due to my current credit score that is not a reflection of who I truly am njust because MOHELA made changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off for XXXX - XX/XX/year> and only reported on Experian. Payment history is different on multiple months for all three credit companies : Transunion, Experian, and Equifax. Furthermore, other inaccuracies such as account type, date opened, current balance, past due, payment status, last reported, comments, date last active, date of last payment, and payment history between all three companies is majorly inaccurate. 

This inaccurate information falsely manipulates the statute of limitations, and you failed to investigate this account properly after I asked you to do it multiple times and your neglect has violated my rights. Due to the major inaccuracies on this account, it continues to hurt my credit and not provide me with fair reporting per the Fair Credit Reporting Act. 

I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX Account number : XXXXXXXX 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 2025-05-20 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: MI

Complaint narrative:
I noticed XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX on my credit report that I believe are inaccurate and should not be reported. I contacted the credit bureau ( XXXX ) to dispute the account ( XXXX ), but they failed to conduct a reasonable investigation or provide adequate documentation verifying the accuracy of the information.

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 2025-05-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I noticed XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX on my credit report that I believe are inaccurate and should not be reported. I contacted the credit bureau ( XXXX ) to dispute the account ( XXXX ), but they failed to conduct a reasonable investigation or provide adequate documentation verifying the accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
When a mortgage servicer sells a loan to another servicer the process should be seamless for the mortgagee- I have been transferred for 24 months to Mr. Cooper, The policy interest still reads the old servicer XXXX XXXX. I should not be inconvenienced because of a servicers whim to sell my loan to another servicer. 

I have provided proof of the new policy to Mr. Cooper by uploading the XXXX page document including the rider, the bill, and the policy. 

If XXXX XXXX sold my loan to Mr. Cooper it would seem they should have updated the insurance policy interest in XXXX of XXXX. I went through a renewal in XXXX of XXXX, I did not get threatening letters about placing insurance - does this mean that Mr. Cooper is NOT monitoring the policy interest information on the loans that they service exposing the federal guarantor to unnecessary loss risk? It would seem that is the case because it would seem that they did not bother to check if I carried insurance in XXXX of XXXX, and only now decided to check in XXXX of XXXX - more than 22 months after they became my servicer. 

Mr. Cooper should update the insurance policy interest mortgage clause and not require the consumer/ mortgagor to do it for them when the only loan agreement is the original loan agreement with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
After checking my credit score I received a report of a debt of {$310.00} to XXXX XXXX being sent to Transworld System Inc. I called XXXX and was told there is not anything in their system of me or a debt owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint Regarding Trafficking Block Request to Equifax Dear Sir or Madam, I am submitting this complaint requesting that Equifax block all items on my Equifax consumer report that are the result of Human trafficking, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I have requested Equifax to block specific information on my credit report that was the result of my trafficking. Afterwards I am requesting that Equifax forward me a copy of my updated consumer report via my Equifax portal/ and or my email address only. I do not want this forwarded to my home address because of the due to me wanted my privacy respected. 

A detailed list of accounts and inquiries that were the result of trafficking. 
Documentation supporting my identity, including my drivers license, social security card, and a paystub to verify my address. 

Trafficking documentation, including a signed self-attestation, a determination document from a non-governmental organization. 

I requested Equifax to block the following : Accounts : A list of 29 accounts, including balances, account numbers, and associated financial institutions.

Inquiries : Three inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Bank XXXX XXXX 
Addresses : Two addresses linked to my trafficking situation : XXXX XXXX XXXX, XXXX, PA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 

Under Section 605C of the FCRA, Equifax is required to block this information within four business days of receiving my request. I also requested written confirmation of the actions taken. 

Attached to this complaint, I have included copies of the documentation submitted to Equifax, including proof of identity and trafficking documentation, for your review. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX Email : XXXX Enclosures : Trafficking block request to Equifax Proof of identity ( drivers license, social security card, Paystub ) Trafficking documentation ( self-attestation, NGO determination documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 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: TN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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