vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
This complaint is in reference to a VA loan assumption between the Buyers of a primary residence and the Seller ( me ). On XX/XX/year> I accepted an offer from the buyers for our primary residence in XXXXXXXX XXXX on XX/XX/year> I submitted all required buyer information to Carrington Mortgage ( leinholder ) to begin processing the VA assumption. 
XX/XX/year> : Carrington Mortgage assumptions team emailed to note that all initial documents had been received. 
XX/XX/year> : The assumption file " advanced to the next step '' which was stated to include closures to acknowledge and list of items needed for qualification purpose with the buyer. 
XX/XX/year> : Carrington Mortgage assumptions team emailed that the borrow is conditionally approved, the file will be assigned a Closing Processor, and the assumption will be finalized. 
XX/XX/year> : Carrington Mortgage, buyer agent, and seller agent agree in writing to a XX/XX/year> closing date. 
XX/XX/year> : Repeated attempts by the buyers agent to reach the closing processor did not produce a response. Buyers agent reached out to a contact earlier in the process and was informed the file was not ready for closing. 
XX/XX/year> : Additional information requested from buyers agent - provided within XXXX hours. XXXX sent to underwriting. 
XX/XX/year> : Closing processor responds to note that a prelim CD has been generated, QC review is pending ( est. XXXX hours to process ), then the clear to close will be processed. 

At no point would Carrington Mortgage provide firm dates or clarity via email or over the phone. The seller ( me ) has a contingent property purchase at risk of contract cancellation due to the lack of communication. There are at least XXXX families with children without a home and the lack of transparency and urgency has resulted in over {$1000.00} in extended moving truck rental, {$700.00} in XXXX  costs, and extensive mental anguish due to missed/fraudulent timelines and unclear closing expectations. All required documentation from buyers and seller were provided same-day or next-day with no transparency, communication, or justifiable reasoning for missing closing.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: CA

Complaint narrative:
I am submitting this formal complaint against one or more credit reporting agencies ( CRAs ) and furnishers for violations of the Fair Credit Reporting Act ( FCRA ). Specifically, several accounts that had been previously disputed and removed following an identity theft investigation have been reinserted on my credit reports without proper legal notice, violating my rights under federal law.

Legal Violations FCRA : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice : CRAs must notify a consumer in writing within 5 business days after reinserting any information previously deleted. They must also identify the furnishers name, address, and phone number. I received no such notice.

2. FCRA 605B Failure to Block Identity Theft Accounts : CRAs are required to block and exclude information once a valid Identity Theft Report is submitted. The accounts listed below were reinserted in violation of this rule.

3. FCRA 609 ( a ) ( 1 ) Lack of Disclosure : I was not given access to the details of the reinserted information or its source, denying my right to full transparency. 



Reinserted Fraudulent Accounts : XXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX Accounts ending in : XXXX ( Discovered : XX/XX/XXXX ) XXXX ( Discovered : XX/XX/XXXX ) XXXX ( Discovered : XX/XX/XXXX ) All fraud began : XX/XX/XXXX XXXX Bankruptcy Court Account # XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were removed after prior disputes and have now reappeared without legal notification or verification, despite my submission of a valid FTC Identity Theft Report.

Misuse of Personal Information : The following personal information has also been fraudulently linked to my reports : Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Pl XXXX Employment XXXX XXXX XXXX XXXX None of these are accurate or authorized and must be removed. 



Requested Resolution : 1. Immediate and permanent deletion of all reinserted fraudulent accounts and unauthorized personal information.

2. A written explanation identifying : The furnishers responsible, Why the accounts were reinserted, and Why proper FCRA notification was not provided.

3. A permanent block on re-reporting these accounts unless full compliance with FCRA 611 ( a ) ( 5 ) is met.

4. A full CFPB investigation into all credit bureaus and data furnishers involved.

5. Optional : I may seek monetary damages under : FCRA 616 ( willful noncompliance ), and FCRA 617 ( negligent noncompliance ), if needed. 



Supporting Documentation Attached : FTC Identity Theft Report # XXXX Thank you for your prompt attention to this matter. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against one or more credit reporting agencies ( CRAs ) and furnishers for violations of the Fair Credit Reporting Act ( FCRA ). Specifically, several accounts that had been previously disputed and removed following an identity theft investigation have been reinserted on my credit reports without proper legal notice, violating my rights under federal law.

Legal Violations FCRA : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice : CRAs must notify a consumer in writing within 5 business days after reinserting any information previously deleted. They must also identify the furnishers name, address, and phone number. I received no such notice.

2. FCRA 605B Failure to Block Identity Theft Accounts : CRAs are required to block and exclude information once a valid Identity Theft Report is submitted. The accounts listed below were reinserted in violation of this rule.

3. FCRA 609 ( a ) ( 1 ) Lack of Disclosure : I was not given access to the details of the reinserted information or its source, denying my right to full transparency. 



Reinserted Fraudulent Accounts : XXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX Accounts ending in : XXXX ( Discovered : XX/XX/XXXX ) XXXX ( Discovered : XX/XX/XXXX ) XXXX ( Discovered : XX/XX/XXXX ) All fraud began : XX/XX/XXXX XXXX Bankruptcy Court Account # XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were removed after prior disputes and have now reappeared without legal notification or verification, despite my submission of a valid FTC Identity Theft Report.

Misuse of Personal Information : The following personal information has also been fraudulently linked to my reports : Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Pl XXXX Employment XXXX XXXX XXXX XXXX None of these are accurate or authorized and must be removed. 



Requested Resolution : 1. Immediate and permanent deletion of all reinserted fraudulent accounts and unauthorized personal information.

2. A written explanation identifying : The furnishers responsible, Why the accounts were reinserted, and Why proper FCRA notification was not provided.

3. A permanent block on re-reporting these accounts unless full compliance with FCRA 611 ( a ) ( 5 ) is met.

4. A full CFPB investigation into all credit bureaus and data furnishers involved.

5. Optional : I may seek monetary damages under : FCRA 616 ( willful noncompliance ), and FCRA 617 ( negligent noncompliance ), if needed. 



Supporting Documentation Attached : FTC Identity Theft Report # XXXX Thank you for your prompt attention to this matter. 

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 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX  XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, Date Opened : XX/XX/XXXX, Balance : {$23000.00}

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Aid Advantage ] XXXX was taken over by Aid Advantage Reporting to the XXXX Credit Bureaus, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete as soon as possible from my report or i will have to take legal action. ]

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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX  XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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 paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
I paid off Jefferson Capital Systems llc and XXXX XXXX as well

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: 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 Information Services , 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

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: Experian Information Solutions Inc.
State: GA

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 explanation