vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off 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 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Bought furniture at XXXX XXXX XXXX XXXX in XXXX, Texas on XX/XX/year>. Before looking at any furniture, salesperson advised to run credit to see what we could afford. He ran one with me and my gf, then ran a check on me alone. He mentioned total was XXXX and 0 % APR for 1 year. 2 months later, I see statement and it shows I am getting interest charged. Not only that, but APR is 35.99 % which is insane, if that would have been told to me at any time while looking for furniture or before, I would have never purchased with interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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:
Please review the items provided ; the inquiries came without warning and may not be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Failure to Remove Unverified Bankruptcy Notation by All Three Major Credit Bureaus ( Equifax, TransUnion, Experian ) Date : XX/XX/year> CFPB Complaint Case Number : XXXX ( original complaint for Equifax ) Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this complaint against all three national credit reporting agenciesEquifax, TransUnion, and Experianregarding their failure to remove an unverified and inaccurate bankruptcy notation from my credit report. 

Background : On XX/XX/year>, I submitted formal disputes and supporting documentation to all three agencies, requesting a reinvestigation and removal of a bankruptcy public record that remains listed inaccurately. As of today 's date, more than 45 days have passed with no valid verification provided and no removal of the tradelines, in direct violation of : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX reinvestigation requirement FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to delete disputed information if unverifiable FCRA 1681e ( b ) Duty to maintain maximum possible accuracy I have not received a copy of any verified bankruptcy record signed by a court or trustee. None of the agencies has produced legal proof of accuracy. 

XXXX Final Demand Notices Sent : I submitted XXXX demand letters to each bureau via their portals and/or certified mail, demanding final removal in light of their noncompliance. I am attaching all three demand letters to this complaint. 

Harms : Due to this unresolved issue : I was denied employment at a financial institution. 

I am experiencing ongoing credit harm, including denials and high interest rates. 

My rights as a consumer under the FCRA are being actively ignored by all three agencies.

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 2025-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Shortly after closing my account on my capital one credit card in XXXX, I received a credit from a hotel for {$540.00}. I called Capital One in early XXXX for them to send the check. After not seeing it for a couple of weeks, I called on XX/XX/XXXX and they re-issued the check assuming it was lost in the mail. That check didn't arrive either and I had another check re-issued on XX/XX/year>. I still haven't received that check, so it seems as though they have no intent to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
TransUnion or Experian has not obtained the information to prove this is my bankruptcy like they said they have done. XXXX XXXX Bankruptcy Court sent me a letter stating they do not provide information to any credit bureaus. XXXX XXXX has sent me a copy of my current consumer report clearly showing I do not have a bankruptcy on my credit file in their office. They also sent documentation that they have contacted TransUnion to dispute this on my behalf. TransUnion and Experian are fraudulently putting things on my credit report. The FCRA state that credit bureaus have an obligation to ensure accuracy, this is not accurate this is false information that is hurting my credit. I have sent and uploaded proof of these lies, that the credit bureau is reporting. I have attached proof that neither of these agencies have provided TransUnion proof of bankruptcy as they claim they have. It also shows on my XXXX XXXX Report, that I do not have a bankruptcy in my 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 2025-11-17 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report.

These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: CA

Complaint narrative:
I am reporting National Recovery Agency and XXXX for illegal re-aging of a debt. 
This account was originally owed to XXXX. The true Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which means the account is more than XXXX XXXX XXXX. 
However, National Recovery Agency is reporting completely false dates, including : A Date Opened of XX/XX/XXXX Payment history showing collection activity in XXXX A past due as of XX/XX/XXXX status Balance updated as of XX/XX/XXXX ( a future date ) These are impossible dates and represent clear illegal re-aging. 
This violates FCRA 605 ( c ) ( re-aging prohibition ), FCRA 623 ( a ) ( 2 ) ( furnishing inaccurate information ), and FDCPA 807 ( false or misleading representations ).

I previously disputed this with Experian, but they refused to correct the inaccurate reporting even after being informed of the DOFD and account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
This is not my accounts please remove this is identity theft 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 non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This is not a casual complaint. My credit report contains multiple inaccuracies that are plainly incorrect and unverified. These persistent errors have been causing real harm, creating financial and emotional strain during an already difficult period. I review my credit regularly and these issues remain unresolved despite my efforts, which is unacceptable and has had a tangible, negative impact on my life.

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 2025-11-17 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: CT

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
company wrote off/charge-off the account continued to report over 20+ different amounts month after month

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 2025-11-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
company wrote off/charge-off the account continued to report over 20+ different amounts month after month

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
am disputing an appraisal and mortgage servicing issue with Rocket Mortgage regarding my property at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  The appraisal performed through XXXX XXXX XXXX valued the home at {$380000.00}. However, the official Maryland SDAT state valuation for XXXX assessed the property at {$320000.00}, which strongly indicates that the appraisal used by Rocket Mortgage was significantly overstated and not aligned with the true condition or market value of the home.

SDAT_ Real Property Data Search The appraisal labeled the property as XXXX well maintained, but the inspection documented multiple issues, deferred maintenance, and condition factors that do not match a XXXX rating. The comps used were in superior condition and did not accurately reflect the actual state of the property. When compared with the SDAT valuation and the inspection, a more realistic market value would have been in the {$340000.00} {$360000.00} range not {$380000.00}. 

During this same time, I was on documented medical leave and later terminated while still on medical leave, leaving me with no income to support the mortgage. I notified Rocket Mortgage of my hardship and requested assistance, but my requests were not processed properly. I relied on two tenants paying {$1200.00} and {$900.00} per month, which was not enough to cover the mortgage. Despite this, Rocket Mortgage did not provide the proper hardship options, accurate review, or guidance. 

The combination of : an overstated appraisal, mishandled hardship requests, and inconsistent or improper servicing caused financial harm and increased my risk of delinquency despite documented medical hardship.

I am requesting CFPB review Rocket Mortgages actions regarding the appraisal through XXXX XXXX XXXX, the accuracy of the valuation used, and their handling of my servicing and hardship requests while I was on medical leave with no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one got sued for charging customers outrages interest rates. They are charging me twice a day {$6.00}. So every time I make a payment instead of going down it continues to go up. I pay every two weeks to try to reduce the interest but its not helping much. They just got sued billions of dollars for this and continue to rob hard working people. Please help me so that this can go down. I have paid over {$30000.00} for this car already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a formal dispute regarding multiple accounts that are being furnished inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts continue to appear on my credit reports despite the fact that the furnishers have failed to provide proper validation, failed to establish a legal right to collect, and failed to correct previously disputed information. 

Please see attachments below.

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 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Coopers handling of my escrow and insurance payments has been reckless, negligent, and financially damaging. Their repeated errors caused a wrongful insurance lapse, forced-placed insurance, misapplied payments, an inflated mortgage payment, and documented financial harm. I am requesting immediate correction AND full monetary compensation. 



1. Mr. Cooper CAUSED the insurance lapse not me XXXX XXXX XXXX premium was paid on time, but Mr. Cooper failed to apply the payment correctly. 
This failure directly triggered : wrongful cancellation of my homeowners insurance a gap in coverage unnecessary risk to my property financial harm that I had NO ability to prevent Mr. Coopers internal documentation now confirms this error.

2. Mr. Cooper added force-placed insurance as a result of THEIR mistake Because they incorrectly processed the payment, they placed an expensive lender-placed policy on my account. 

This policy was : never needed dramatically overpriced applied only because of Mr. Coopers negligence This directly inflated my escrow and increased my mortgage payment.

3. They misapplied mortgage payments creating false late fees and delinquency New evidence shows that a mortgage payment was misapplied, creating : inaccurate late payment records wrongful late fees incorrect delinquency status This is part of a pattern of mishandled transactions related to insurance, escrow, and payment posting. 



4. Escrow analysis was built on incorrect numbers Mr. Cooper recalculated my escrow using : wrong insurance premium amounts wrong dates the force-placed insurance THEY created misapplied payments Because the starting data was wrong, the entire escrow analysis is invalid, including the mortgage payment increase. 

Their errors resulted in me paying hundreds of dollars more per month than I should have.

5. Mr. Coopers negligence caused direct financial harm I suffered measurable and ongoing losses, including : Higher mortgage payments based on false escrow shortages Costs for unnecessary emergency insurance coverage Time, travel, and administrative burden correcting their mistakes Stress and instability caused by escrow fluctuations I did not cause Risk to my property and potential credit damage These harms are a direct result of Mr. Coopers mismanagement.

6. Lack of response and refusal to provide written explanations I have repeatedly requested : a corrected escrow analysis refund of wrongful charges corrections to the account documentation of how they handled my insurance funds Mr. Cooper has not provided any written response or corrections. 

This ongoing silence is worsening the harm and preventing any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo failed to validate the debt also the financial institution accepted a good faith instrument with XXXX codes and terms but still repossessed and sold the vehicle. Wells Fargo has failed to validate the alleged debt lawfully ignoring my inalienable rights and violating my constitutional rights.

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