vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint due to the grossly inadequate reinvestigation practices of TransUnion, who continue to report false and damaging information about me after multiple disputes. 

The item in question is a bankruptcy case ( Case No. XXXX ) that was never mine and should have been removed long ago. Despite multiple disputes over several months, the credit bureaus have : Failed to properly investigate the validity of the disputed item, Ignored clear evidence provided, and Violated FCRA XXXX, which requires a reasonable reinvestigation when a consumer disputes inaccurate information. 

I escalated this matter to XXXX, the supposed source of the XXXX  data. In a letter dated XX/XX/year>, XXXX confirmed in writing that : They conducted a reinvestigation and found no such bankruptcy record ( Case XXXX ) in my file ; They do not generate XXXX  data ; They forwarded my dispute to the credit bureaus. 

This means the credit bureaus are knowingly continuing to publish inaccurate and unverifiable information after receiving direct confirmation that it is false. This is not just negligence it is a willful violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: WA

Complaint narrative:
I obtained a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: WA

Complaint narrative:
I obtained a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX on my credit reports. A secured credit card account was opened and closed in less than 30 days due to fraud on the linked bank account. 

Despite the short account life and closure due to fraud, XXXX XXXX is reporting multiple late payments, which is incorrect and severely damaging my credit score.

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to dispute inaccurate, incomplete, or unverifiable information. XXXX XXXX has failed to provide accurate and verified information. 

Additionally, under the Fair Credit Billing Act ( FCBA ), I was not properly notified of any billing errors or late payments, nor was the fraud adequately addressed. 

I request immediate removal of all late payments and deletion of this account from all credit reports. 

I also have a hard inquiry from XXXX XXXX reporting on my Experian credit report related to this account. Because this account was opened and closed due to fraud on the linked bank account, I did not authorize this inquiry or its continued reporting. Under the FCRA, I request this hard inquiry be removed as it is inaccurate and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. LASTLY ILL BE INVOKING FERPA WHICH IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDARY SCHOOL. 20 USC 1232g ( b ). BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL 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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In or around XX/XX/year> I mistakenly used my BofA credit card instead of another debit card to withdraw funds. As soon as I realized the mistake, I took the funds immediately into a branch to let them know it was a mistake. She said shed make the payment but thats all she could do at that time. I called customer service immediately after was advised by XXXX that it was understood and I wouldnt be penalized for a cash advance and that it would be taken care of and treated like it didnt take place. No cash advance fee or interest would be applied. He said he noted my account and to call back Monday or after it posted to confirm with a representative. I called that week and the representative said it would not be a cash advance and but the atm fee couldnt be reversed. Despite being told by XXXX it would be reversed. Now I checked my account and it still shows as a cash advance. It still shows my cash advance available credit was accessed, the fee is still there and my interest rate is still showing as cash. This is ridiculous, it was an honest mistake, not an opportunity for BofA to gouge me with fees and interest during this horrible economy. I need for them to remove the fee and interest associated with cash advance and treat the balance as it is, a purchase. Like they said they would.

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 monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
* * Subject : * * Formal Complaint Regarding Roundpoint Mortgage Servicing, LLC 's Failure to Process PMI Removal Request for almost 2 years of requesting it To Whom It May Concern, I am writing to file a formal complaint against my mortgage lender for their ongoing failure to process my repeated requests for the removal of Private Mortgage Insurance ( PMI ), despite being eligible. 

I have been attempting to initiate PMI removal for nearly XXXX years, with no progress or follow-up from the lender. Below are the dates on which I submitted formal requests for PMI removal : * * * XX/XX/XXXX * * * * * XX/XX/XXXX * * * * * XX/XX/XXXX * * * * * XX/XX/XXXX * * In addition to these written requests, I have made several phone calls to follow up. Most recently, I spoke with a representative named XXXX on XX/XX/XXXX, who provided me with her direct email address. However, all my attempts to reach her via that email have been returned as undeliverable. 

To date, no one from the lender has contacted me regarding the status of my request. No appraisal or broker price opinion ( BPO ) has been scheduled, and I have received no explanation or timeline for the process. 

After nearly XXXX years of repeated, good-faith efforts to comply with the lender 's process, I believe I have exhausted all reasonable avenues and must now escalate this matter. I am requesting the Consumer Financial Protection Bureaus assistance in investigating this issue and ensuring the lender takes appropriate action. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
Yes I had a data breach with the XXXX XXXX XXXX, I had a breach of contract under violation of my business account with fraudulent access errors with intent to sell and distribute my account savings from the bank. I asked to file for a illegal screening with intent to sell and distribute my funds to the organization with unsolicited email hacks and id restoration of my business account. Showing XXXX XXXX XXXX was accountable for accessing my business account with inaccessible email violations of obtaining financial account billing statements. I also was violated by compromised complaint of business phone not being able to log in the application. I seen a forgery of my account obtaining property under false pretenses with intent to sell and distribute my payments. I want to file a consumer protection complaint against my policy for burden of proof in hand subdued proof of collection notice with my account reinstatement.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to dispute a reported late payment that appears on my credit report. I believe this entry is inaccurate, as I have reviewed the transaction records and confirmed that the payment was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccurate and unauthorized account information reporting on my report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccurate and unauthorized account information reporting on my report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXXXXXX XXXX XXXX BALANCE : {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$2500.00}, XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$3100.00}, RXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$530.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$1800.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Breit & Boomsma, P.C.
State: SD

Complaint narrative:
I am submitting this complaint regarding an active wage garnishment initiated by the law firm Breit & Boomsma on behalf of XXXX XXXX. 

I am currently having my wages garnished, yet I have no idea how long this garnishment will continue or how much I am expected to pay in total. To date, {$690.00} has already been taken from my paychecks, which exceeds the court-ordered judgment of {$320.00}. I believe this overcollection is potentially illegal. 

I have not received any itemized billing, explanation of charges, or schedule of garnishment. Breit & Boomsma has completely ignored my repeated requests for : Proof of services rendered Dates of service Debt validation Breakdown of what has been paid and what remains owed Garnishment terms including total balance and end date On XX/XX/year>, I filed a formal Denial and Counterclaim with the court, naming XXXX XXXX as the defendant. I received no response, no hearing date, and no indication that the court considered my filing at all. Garnishment has continued regardless. 

I have also filed complaints with the South Dakota State Bar, the Attorney General, the South Dakota Dental Board, and the South Dakota Division of Insurancenone of which have provided assistance or resolution.

At this point, I am being financially harmed through garnishment that appears to be operating without oversight, accountability, or transparency. This feels deeply unjust and may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to : Require Breit & Boomsma to provide me with written validation of the debt ; Investigate the excessive garnishment beyond the court order ; Ensure I am given full transparency on the amount owed, what has been paid, and when garnishment will end ; Hold this firm accountable for failing to respond to lawful and reasonable consumer requests. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX on my credit reports. A secured credit card account was opened and closed in less than 30 days due to fraud on the linked bank account. 

Despite the short account life and closure due to fraud, XXXX XXXX is reporting multiple late payments, which is incorrect and severely damaging my credit score. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to dispute inaccurate, incomplete, or unverifiable information. XXXX XXXX has failed to provide accurate and verified information. 

Additionally, under the Fair Credit Billing Act ( FCBA ), I was not properly notified of any billing errors or late payments, nor was the fraud adequately addressed. 

I request immediate removal of all late payments and deletion of this account from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I am writing to dispute inaccurate information regarding student loans listed on my credit report. I only had one student loan, which was originally taken out in XX/XX/XXXX, and that loan was officially forgiven on XX/XX/XXXX, under the Biden Administrations student loan forgiveness program. 

However, my credit report currently shows three separate student loans. Two of them list the same open date of XX/XX/XXXX, even though that loan has already been closed and forgiven. The third account shows an open date of XX/XX/XXXX, but I did not take out any student loan in XXXX. At that time, I was enrolled in an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  which covered all of my college education expenses. Therefore, I had no need to apply for a loan. 

I have requested documentation from the servicer showing a signed application for the XX/XX/XXXX loan, but they have not provided any evidence to support the existence of this account. 

I have been filing disputes for several years without resolution, and this ongoing issue has been a significant burden. It has severely impacted my ability to get approved for credit, and when I do qualify, I am forced to accept extremely high interest rates. 

I am kindly requesting that you investigate this matter thoroughly and remove any inaccurate or unverifiable student loan accounts from my credit report. I would sincerely appreciate your assistance in helping to correct this long-standing issue. 

Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Address ] [ Last 4 digits of your SSN ]

Company response to consumer: Untimely response