vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my TransUnion credit report : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-12 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. I ask for immediate removal and proof of your investigation.

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 2025-11-12 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: WA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
In XX/XX/year>, I received a letter stating my loans for XXXX XXXX  located in XXXX Iowa, were no longer valid and that my accoubt would be fixed within 120 days. It is now XXXX of XXXX  and I continue to have Direct loans from this institution on my XXXX account. Not only should these loans be off of my account but I should have received refund for what has been paid towards these loans since I started making payments. 

The institution keeps sending me forbearance letters but they are not resilvknv the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX M & T Bank for unreasonable delay, poor servicing practices, and mishandling of my insurance proceeds following hurricane-related repairs on my property. 

After the storm, the insurance company issued a check listing XXXX XXXX XXXX as the mortgagee. However, my loan is serviced by M & T Bank, which services loans on behalf of XXXX. This discrepancy between the named mortgagee and the actual servicer was the true reason for the delay in releasing funds yet it was not identified or communicated to me for nearly three months after the check was issued. 

During that time, the servicer repeatedly ordered unnecessary inspections and requested duplicate documentation, even though they already possessed : Proof of completed repairs, Contractor invoices, and Professional listing photographs showing the homes excellent condition.

These actions demonstrate a failure to exercise reasonable diligence and a breakdown in communication required under 12 C.F.R. 1024.38 ( Servicer Policies, Procedures, and Requirements ) and 12 C.F.R. 1024.41 ( Loss Mitigation Procedures ) of RESPA / Regulation X. Under these provisions, mortgage servicers must maintain policies and procedures reasonably designed to ensure timely and accurate handling of borrower requests and loss-mitigation-related matters, including insurance disbursements.

Instead, the servicers conduct caused substantial and unnecessary delay, leading to financial hardship. I paid for all repairs out of pocket, exhausting my savings, and I now face an urgent tax payment deadline without access to the insurance funds that rightfully belong to me. 

Despite multiple written requests and my formal letter warning of a potential CFPB complaint, the servicer has failed to resolve this matter promptly or communicate a clear timeline for releasing the funds. 

I respectfully request that the CFPB require the servicer to : Immediately release the full insurance proceeds to me. 
Compensate me for the financial hardship and stress caused by their delay. 
Pay any applicable interest or penalties for the unreasonable withholding of funds.

Review and correct internal procedures to ensure compliance with RESPA / Regulation XXXX  and to prevent similar mishandling in the future.

Supporting documentationincluding my correspondence with the servicer, proof of completed repairs, inspection records, and the insurance check detailscan be provided upon request.

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 2025-11-12 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 respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We applied for rate adjustment with a mortgage company and they did an inquiry. After our inquiry I have been harassed by calls every min of the day. I received a total of XXXX calls from mortgage companies yesterday, XX/XX/XXXX. And still continue to receive today. Im blocking them, not picking up, opting out of texts but it's gotten to a point where it's too much and bordering on harassment. Credit bureaus should NOT give personal information of customer to others like that no matter how much money they get. This is insane and I want some resolution on this. Otherwise I have to change my number which I've had for over XXXX  years.

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 2025-11-12 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: GA

Complaint narrative:
b'ACCT 6557 09/12/2024 $8,522 20 Months Biweekly 6\nDate of Last\nReported Update\nBalance\nAmount\nAmount\nPast Due\nDate of Last\nPayment\nActual Payment\nAmount\nScheduled Payment\nAmount\nDate of 1st\nDelinquency\nDate of Last\nActivity\nDate Maj\nDel. 1st Reported\nCharge Off\nAmount\nDeferred Pay\nStart Date\nBalloon\nPay Amount\nBalloon\nPay Date\n Date\nClosed\n05/05/2025 $10,112 $10,112 10/14/2024 11/05/2024'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). LEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. 15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable. UCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. DEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. Copies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. Written confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. NOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. This letter is written in good faith and with the expectation of full compliance. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). LEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. 15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable. UCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. DEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. Copies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. Written confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. NOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. This letter is written in good faith and with the expectation of full compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I am writing to address false statements and ongoing noncompliance by your agency. In your response to my CFPB complaint, you falsely claimed that I requested all communications to cease. This is untrue. I have never requested a cease and desist. I have only stated clearly and repeatedly that I will communicate by mail only. 

I have proof of this in the form of multiple letters and emails I sent to your agency, as well as your own email responses acknowledging my request. Both certified and regular letters were mailed to you, and I have the postal records to confirm delivery. Despite this, you have ignored my lawful written correspondence and continue to insist I contact your customer service department, which is not the communication method I have authorized. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to specify my preferred method of communication, and you are required to honor that request. Your refusal to respond by mail and your misrepresentation to the CFPB constitute violations of 15 U.S.C. 1692c ( communication in connection with debt collection ) and 15 U.S.C. 1692e ( false or misleading representations ).

I have been waiting for responses to my mailed letters for several weeks and have received none. This ongoing disregard for federal law and for my communication rights is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am disputing the following inquiries and late payments on my TransUnion credit report : Inquiry Disputes : 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 2025-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am submitting this complaint against LexisNexis Risk Solutions for its failure to respond to a valid, fully documented dispute concerning inaccurate and potentially harmful information in my consumer file. This inaction is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has prevented the correction of data that continues to negatively impact my financial reputation. 
On XX/XX/year>, I submitted a formal dispute to LexisNexis via XXXX XXXX mail ( Tracking # XXXX ), contesting both the inclusion of inaccurate personal information and the accuracy and verifiability of a listed bankruptcy record, specifically : Court : NEVADA - XXXX XXXX, Bankruptcy Filing Number : XXXX. To ensure full compliance with identity verification requirements, I included a copy of my photo ID, Social Security card, and a recent utility bill. 
According to XXXX tracking, LexisNexis received my dispute letter on XX/XX/year>. As of the date of this filingwell beyond the XXXX response window required under Section 611 of the XXXX have received no response, no investigation results, and no communication from LexisNexis. This complete lack of action constitutes a clear failure to perform the reasonable investigation required by law. 
XXXX inaction has allowed disputed and unverified public record information to remain in my file, with the risk of it being shared with third parties or used to assess my creditworthiness without any confirmation of its accuracy. This is unacceptable and undermines the integrity of the consumer reporting system. I am including a copy of my original dispute letter sent to LexisNexis with XXXX certified mail proof of delivery as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation