vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-07 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: IL

Complaint narrative:
XXXX XXXX is negatively affecting my credit report with the incorrect information being listed on my account and the account is XXXX XXXX XXXX and should be removed from my credit report but yet I'm still getting updates.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disclaim any connection to these accounts ; they should be removed within 15 days per USC 1681g.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
b"- XXXX XXXX I started financing on my XXXX XXXX through XXXX XXXX XXXX falling on hard financial times, they had to repo my vehicle in XXXX XXXX XXXX, I contacted them to make arrangements on paying my debt off.  They said they could reduce my total debt owed to  $XXXX(about(settlement payment plan) for $XXXX a month \n- later sometime in XXXX, I requested proof of plan documentation.  They said they sent to my email. I Contacted them\n  numerous times asked to resend it, to send it to my secondary email to send it to my physical address. Over the period of 2 1/2 months, I still haven't it.\n- I need help mediating this or advice. I don't know if I should send another payment."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: SD

Complaint narrative:
I am submitting this complaint regarding serious loan-servicing and document-integrity violations involving my mortgage account and property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The loan originated on XX/XX/XXXX through XXXX XXXX XXXX  in the principal amount of {$94000.00}, identified as Loan No. XXXXXXXX XXXX XXXX XXXXXXXX. Servicing is currently handled by LoanCare , LLC, and XXXX XXXX claims ownership as investor.

After obtaining a forensic mortgage audit, I discovered that the Note was securitized into XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX while the Mortgage itself was never legally assigned or recorded in the XXXX XXXX land records. This creates a split-note-mortgage defect, meaning neither XXXX XXXX nor LoanCare has standing to enforce or foreclose.

In an apparent attempt to retroactively cure this defect, a fraudulent Assignment of Mortgage was later produced bearing a digital or auto-notarized acknowledgment by Florida Notary XXXX XXXX ( Commission Exp. XX/XX/XXXX ). The notarial block appears electronically inserted, lacks any wet-ink signature or witness, and shows no lawful connection to the property or borrower. The acknowledgment violates Fla. Stat. 117.107 ( 9 ), ( 10 ), ( 12 ) and SDCL 43-25-30, rendering the instrument void.

The forensic audit ( pages 1617 ) confirms No Assignment of Mortgage to XXXX XXXX is available for review. Document must be filed and recorded before a proper foreclosure can proceed.

Despite this evidence, LoanCare continues to act as if a valid assignment exists, sending collection or default notices and
misrepresenting XXXX XXXX authority. These actions constitute violations of RESPA 6 ( 12 U.S.C. 2605 ( e ) ), Regulation X ( 12 C.F.R. 1024.35 and 1024.36 ), TILA, and potentially FDCPA 809 regarding validation of debt and accuracy of servicing records.

A separate complaint and evidentiary package has been submitted to the Florida Governors Office Notary Section regarding the fraudulent notarization.

LoanCare , LLC Servicer XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) Investor/Owner XXXX XXXX XXXX  Original Lender XXXX  ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I respectfully request that the following items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ), XX/XX/year>, {$2100.00} XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ), XX/XX/year>, {$1800.00} Late Payment Accounts 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 explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-07 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: FL

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XXXX the inquiry was not authorized.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am disputing a {$1400.00} debt that Sequium Asset Solutions claims I owe to XXXX, my previous landlord or property management company. 

I formally disputed this charge with the landlord before the due date, explaining that there were no damages and that the charge was inaccurate. The landlord never reviewed or responded to my dispute, then wrongfully sent the charge to collections. 

On XX/XX/year>, I received a message and validation notice from Sequium Asset Solutions ( Ref. # XXXX ). This is the first notice I have received from them. I have since submitted a written dispute and request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ).

The debt is not valid, as the landlord has never provided any photos, inspection reports, or invoices proving the alleged damages. Sending this disputed charge to a debt collector without evidence is improper, and Sequium should not be attempting to collect it until proper validation is provided.

I am requesting that : 1. Sequium Asset Solutions cease all collection activity until validation is complete.

2. The landlord ( XXXX ) recall the debt from collections.

3. This alleged debt not be reported to any credit bureaus, as it is disputed and unsupported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I identified instances of fraudulent transactions being made against my credit card on XX/XX/year>. Despite card and account closure, since crossing into two other cards and accounts, continued fraudulent charges have continued, and now total over a quarter of a XXXX dollars despite no card carrying a credit limit higher than {$12000.00}. Multiple calls and emails have been made to attempt to resolve this issue with numerous staff from bank of America across multiple departments. No resolution has been attained and now false claims have been made alleging late payment of charges Bank of America has confirmed as fraudulent and made against closed accounts after those closures. This has continued for 14 months and created substantial personal stress and emotional strain.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I applied for a loan modification, based off of the USDA guidelines I am well within the qualification requirements but servicer has refused to accept or deny the loan modification within the 30-day period and is providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-07 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-11-07 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: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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

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

Complaint narrative:
In XXXX, I filed a dispute with TransUnion about a XXXX XXXX  XXXX  credit card account that is listed on my consumer report, specifically over the amount of the last received payment and when it was received. On XX/XX/2025, TransUnion sent a letter stating that the information was verified. However, they ( TransUnion ) also modified the following items related to this account, on my credit report : * last payment made * date paid * payment received In response to this, on XX/XX/2025 I sent a letter to XXXX XXXX  asking for the following : * a copy of the original signed contract, application, or instrument bearing my signature * a full, itemized transaction history of the account showing all charges, interest, credits, and payments * statements/records they rely upon for reporting the account information to TransUnion On XX/XX/2025, I also sent a letter to TransUnion requesting a written explanation of how the reinvestigation was conducted, specifically : * the procedures used to verify the disputed item 's supposed accuracy * names of any individuals who were contacted, along with their contact information On XX/XX/2025, I received a letter from XXXX simply stating that the account information was verified. I did not receive any of the information that I requested. 

I also have not received the explanation from TransUnion regarding how their alleged reinvestigation arrived at the conclusion that it did, or even that they did any investigation at all.

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