vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am disputing how XXXX XXXX XXXX XXXX is reporting this account. The account was charged off after the repossession, yet they are continuing to report the account as currently late each month. This is inaccurate and misleading. A charged-off account should not continue to report as late monthlyit creates the false appearance of ongoing delinquency. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and not misleading ( FCRA 623 ). Monthly delinquent updates after a charge-off or repossession violate this principle. 

I previously requested a full investigation and proper correction or deletion. However, this incorrect reporting persists. This is damaging and unlawful under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) if any third-party collector is involved.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC
State: MS

Complaint narrative:
On XX/XX/year>, a settlement was reached for my charged off XXXX XXXX XXXX account. The settlement amount was {$770.00}, scheduled to be paid on XX/XX/XXXX. The settlement was paid and posted on XX/XX/XXXX. The representative of the collection agency, XXXX XXXX, that discussed this settlement with me informed me that XXXX does not handle the credit reporting to report that my account has been settled. She told me that I would need to contact the original creditor to discuss the removal of the account from my credit report. XXXX  credit reported to me that XXXX XXXX updated my credit report with a lower amount, as if I still owe payment. This is a misrepresentation of my account status. The account is settled. The official contact number for XXXX XXXX, as listed on XXXX, is ( XXXX ) XXXX. I called this number twice and an answering machine said to me Your account is closed. Thank you for your business. and hung up the phone. I got the exact same message when I called XXXX to ask what was happening. No one from either company will speak with me about the false information on my credit report. It is unacceptable that I am not able to reach anyone. If the case is settled and closed, update my credit report to reflect as much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I was traveling in XXXX and was using my upgrade card, suddenly they suspended my account on XX/XX/year> when I returned. I contacted them on XX/XX/year> At XXXX and got no where. I want to to know what statue gives a financial Institution 4 months to investigate an account, never contact me, never send me a letter, nothing! If the bank is investigating the account, mind you, its hardly used account, why havent they reached out to me? Sent me a letter? Followed up with me? What if I had $ XXXX in this account and they held it for 4 months with nothing said to the consumer. This isnt right and I want to know how this is legal. 

Your XXXX XXXX account ending XXXX account has been suspended due to unexpected activity. You will be unable to transact on your account until this suspension has been lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: UPGRADE, INC.
State: HI

Complaint narrative:
I have taken XXXX small loans and paid them off now theyre saying that I owe more money. Theyre also saying that I opened up another loan and I didnt. I want these people to stop bothering me. I have not taken any new loans out with. Upgrade. Now theyre saying that I owe {$1500.00}. I dont owe anything. I never took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
b'Here is the letter i sent to XXXX XXXX, no repsonse--sent yesterday via email.  they call everyday-- like I ran out of the country.   see details below--since XXXX   I have made 4 payments totaling XXXX  dollars, they have charged me to 40 dollar late fees during this, reported to the credit agency late two times during this.  There has been over 20 complaints to the XXXX  with them with similar practices/situations.\n\nSee below:\n\nDear XXXX XXXX Executive Team,\n\nSince XXXX XXXX XXXX, I have made four separate payments totaling $XXXX  toward my account. Despite my efforts during this time period, two XXXX late fees have been applied during this same period, and worse, you have reported me as late to XXXX  and TransUniontwiceharming my credit profile unfairly. The first reporting of being late to XXXX  and Transunion, I disputed, and you made a correction (see all attached statements/reports). No matter what I do, I cant get ahead, and my negative balance keeps swelling above XXXX. You keep tacking on late fees, and other fees, and I make no progress. \n\nI am struggling financially, and trying to pay this debt down, but no matter what I do, I can get ahead with all these crazy fees, late charges, and negative reports to the credit bureaus. \nDuring this two month time frame, your bank is also calling my house everyday, numerous times a day; you would think I was a criminal or fled the country. I know that is not a fair practice at all. Even after I just made my most recent XXXX dollar payment, XXXX XXXX was calling my house relentlessly, immediatly the same and days after. \n\nI checked with XXXX XXXX XXXX XXXX XXXX has had numerous complaints this year, (see attached.)\n\nI have some attached documentation, please review. \n\n\nThis is unacceptable. I am requesting the following:\n\nImmediate removal of the two $40 late fees.\nImmediate correction of all inaccurate credit reporting to XXXX  and TransUnion.\nWritten confirmation that these actions have been taken.\nCancellation of the credit card, and reversal of the monthly/annual Fees/charges to have the credit card. \nI have kept all payment records and screen shots to prove these transactions, which are available and attached on my login portal. If unresolved within 10 business days, I will escalate to the NYS Attorney General, the Department of Financial Services, and file a formal CFPB complaint.\n\nPlease treat this matter with urgency, and please cancel the card, I will make monthly payments until i can resolve and clear all my debt, thank you, and have a great day.\n\n\nSincerely,\n\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I am attempting to pay this debt. The debt collectors have NEVER answered any calls, mailed letters, emails or voicemail from me. I have now went through government mediation to contact them to pay my debt but they are still not answering. I have a court date in XXXX but I want to pay and avoid going to this court date. 

I have mediated through government mediation a settlement. I missed 1 month payment of my swttlement on my settlement day because I got into a car crash not due to my own fault. I am not trying to contact them to pay but they said my settlement is not valid. How to I get in contact with the debt collectors? 

I have never spoken to anyone besides government mediation because the debt collectors do not talk to me at all not once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a recent victim of fraud/romance scam on XX/XX/XXXX of a {$15000.00} check into my XXXX XXXX  account. shortly after, I opened up a new bank account and took a cashiers check to Truist bank that was deposited into my checking account. Once aware of the fraud I then went back to XXXX to pay off the {$15000.00} that I owed to XXXX XXXX  account. I have since then filed a police report and gave the police report number ( XXXX, XXXX XXXX XXXX to both XXXX and Truist bank. XXXX then proceeds to send a hold and harmless letter to Truist bank on XXXX XXXX. This letter was denied, XXXX then proceeds to send another hold and harmless letter to Truist bank on XXXX XXXX Truist denies this again stating that they would like a signature on the hold and harmless letter. XXXX informs me that they do not authorize signatures to be put on such letters as it is distributed straight from their fraud department and they can no longer do anything as it is now Truist holding my funds without a lawful reason or obligation I believe this is a breach of contract and a unlawful hold of funds.

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I got an email with a wrong transaction report made to my paypal account from this email : XXXX. 

It basically had an attachment that said that someone charged my XXXX online account with an XXXX XXXX coston {$1100.00} and to call this number : XXXX. 



I called the number above and the associate directed me to share the screen with him. He directed me to share the screen to my XXXX and BOA account, which had nothing to do with the transaction on XXXX originally on the email. I would like to report this number instantly for fraud and do everything to protect my accounts ( I do have a negative balance luckily being in between employment checks, and no balance on the XXXX, but just in case would not want him to know this information ). 

After this, he did direct me to the XXXX account itself, which did not have that transaction mentioned above for {$1100.00}. This shows that that user with the email is performing fraud, and may be persuading people to show them the details on their bank accounts to possibly hack or steal money.

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 2025-07-15 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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 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 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 2025-07-15 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 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. 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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company 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 2025-07-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA

Complaint narrative:
I applied for a reverse mortgage with Mutual of Omaha late last summer, went through their application process, government-required counseling course, house appraisals, and MOO 's review of the whole-house renovation I had ( unfortunately ) already started. It took me until early spring of this year to get the renovations to a point where MOO 's list of required fixes had been met in order to settle on the mortgage and receive an initial payment from them.

After the I completed the initial checklist of items, MOO 's appraiser came out and verified that the items MOO had wanted were completed. MOO then took a month to decide that they wanted more items completed for settlement. It took me a couple more weeks to fix/complete the additional items, and the appraiser then said everything on the new list was complete. I expected settlement sometime in XXXX ( XXXX. ) Three weeks later, after many emails and phone calls on my part, I got a call on XX/XX/XXXX, from my contact at MOO, who told me that the higher-ups at MOO had decided I must totally complete the renovations before they would allow settlement on the mortgage, and they would not hold the relatively low interest rate I was originally promised. 

This is 100 % different than the conditions I was given when the process began last year, and it will have severe economic impact on me. I took out a HELOC and a personal loan with a combined total of $ XXXX to help pay for the XXXX 's, and the $ 1200 month interest charges are killing me. I was supposed to get enough money to pay off the $ XXXX HELOC in XXXX and the $ XXXX personal loan 6 months later. I was led down the garden path by Mutual of Omaha, and left with no money to complete the renovations. I put my trust in this company, and they have left me in financial despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX Illinois XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX , DC XXXX Subject : Demand for Investigation and Deletion of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally demand your assistance regarding several inaccuracies on my credit report, which have persisted despite my ongoing efforts since XX/XX/XXXX. My attempts to resolve these issues directly with Experian Equifax and TransUnion credit bureaus have been met with inadequate responses, and I am now seeking your intervention to rectify this situation. 

My personal information is as follows : - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXX, - XXXX  XXXX XXXX Illinois XXXX - Phone : XXXX I have sent multiple letters to Experian trans and Equifax requesting update of my personal information ehich they refuse to do which is a violation of my rights I have the right to privacy. 

And again with the reinvestigation of the inaccurate accountsTo date, I have not received any meaningful progress or resolution. Instead, I have been met with generic responses that do not address the specific inaccuracies I have identified. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and complete information in their credit reports. Specifically, the FCRA mandates that if a consumer disputes information that is inaccurate or incomplete, the credit reporting agency must conduct a reasonable investigation. If the information can not be verified, it must be deleted from the consumer 's credit report.

In my case, despite providing comprehensive documentationincluding certified mail receipts and copies of my lettersExperian TransUnion and Equifax continues to report verified inaccuracies. This is a violation of my rights under the FCRA and the Standards for Equitable and Responsible Reporting Act ( SEERA ). Therefore, I demand that these inaccurate accounts be completely deleted from my credit report immediately.

I have attached copies of all relevant documentation for your review, including : 1. Certified mail receipts confirming my correspondence with Experian.

2. Copies of letters sent to Experian detailing the inaccuracies.

3. Relevant certifications and supporting materials.

I ask that the CFPB take immediate action to investigate these discrepancies and ensure that my credit report is corrected in compliance with applicable laws. Your prompt attention to this matter is greatly appreciated, and I look forward to your response.

Thank you for your assistance. 

Sincerely, XXXX XXXX [ Attachments : Copies of letters receipts and correspondence This app will not let me add any kind of photos to

Company response to consumer: Closed with explanation