vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Subject : Loan Servicer ( XXXX ) Unreasonably Rejecting In-School Deferment Documentation Issue : I am currently enrolled in a graduate program and submitted the required In-School Deferment Request to my loan servicer, XXXX. However, they have rejected my schools official verification because it does not include a wet signature, even though my school only provides an official stamp as proof of enrollment. 

I have made multiple attempts to resolve this, including : Submitting an official enrollment verification letter from my school, which was also rejected. 
Contacting my schools registrar, who confirmed that they do not provide wet signatures and that their official stamp is their standard form of verification. 
Requesting clarification from XXXX, who insists on a wet signature without offering an alternative solution. 

XX/XX/XXXX refusal to accept valid, official documentation is preventing me from receiving my legally entitled in-school deferment and is causing unnecessary financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Between XXXX XXXX  2025, I was the victim of a fraudulent XXXX scam that resulted in the unauthorized transfer of {$9900.00} from my XXXX XXXXXXXX XXXX XXXX account. A fraudster, impersonating my banks fraud department, tricked me into providing a verification code, which they then used to initiate unauthorized transactions via XXXX. The stolen funds were sent to accounts at the following banks : XXXX ( XXXX XXXX four payments totaling {$3900.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX one payment of {$2000.00} ) XXXX XXXX XXXX XXXX XXXX two payments totaling {$2900.00}, which were later recovered ) BMO, XXXX. ( XXXX XXXX one payment of {$1000.00}, only {$0.00} was recovered ) Upon discovering the fraud, I immediately reported the incident to : XXXX XXXXXXXX XXXX which investigated and confirmed the fraud but refused to reimburse me. XXXX XXXX XXXX XXXX which refused to intervene and redirected me back to my bank. 
Law enforcement, including the XXXX XXXX XXXX XXXX and the FBIs Internet Crime Complaint Center ( IC3 ). 2. Banks Response XXXX XXXXXXXX and BMO, XXXX. returned {$2900.00}, but the remaining {$5900.00} is still missing. XXXX XXXX XXXX  stated that the receiving banks confirmed the fraud but refused to return funds, claiming that no money remained in the fraudsters accounts. Despite my long-standing banking relationship with XXXX XXXX , they refused to reimburse me and cited that XXXX transactions are final and irreversible. 3. Issue & Banking Failures Banks require Social Security Numbers and identification to open accounts, yet the receiving banks have refused to take further action despite knowing the identities of the fraudsters. Unlike credit card transactions, XXXX offers no fraud protection, chargeback rights, or reimbursement, leaving victims financially responsible for unauthorized transfers. XXXX XXXX XXXX  and the receiving banks failed to act aggressively to recover funds or pursue the criminals.

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 2025-04-04 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to dispute an inaccurate account reporting on my credit report. The account listed below has been closed, yet it still appears as an active or negative account on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request that you investigate and correct this reporting error immediately. 
Account Details : XXXX XXXX : Navy Federal XXXX XXXX XXXX XXXX Credit Card Disputes, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Account Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount : {$1000.00} This incorrect reporting is negatively affecting my credit profile. I have attached my credit report that confirmed the account is closed. Please update my credit report to reflect the correct status or remove the account if necessary. 

Thank you for your prompt attention to this matter. Please contact me at the phone number or email listed above if further information is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I am writing to formally dispute an account that has appeared on my credit report, which does not belong to me. The account in question is associated with XXXX XXXX XXXX and was reportedly opened on XX/XX/XXXX. I discovered this erroneous account when reviewing my credit report from Equifax, which indicates that the account was reported on XX/XX/XXXX, and is currently under dispute. 

I want to clarify that I have never opened an account with XXXX XXXX XXXX, nor have I authorized any transactions with them. This is a case of mistaken identity or potential fraud. The presence of this inaccurate information on my credit report is negatively impacting my financial standing, and I request that it be removed immediately. 

I have already disputed this with Equifax, but to ensure a thorough investigation, I am filing this complaint with the CFPB. I request that you : Investigate this matter with Equifax and XXXX XXXX XXXX 
Require Equifax to remove this account from my credit report if they can not verify its legitimacy. 
Prevent any further reporting of this account to other credit bureaus. 
I am attaching a copy of the relevant section of my credit report for reference. Please let me know if you require any additional information to expedite this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Update Personal Information. Do not share private personal information. Please update consumer reports to reflect new and current 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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am 100 % tax exempt and have given this information issued by my county tax office to my mortgage lender.

In spite of them accepting and acknowledging this, they paid out just shy of {$5000.00} in property taxes anyway. There's now a shortage in my Escrow account. The lender has tried to adjust my mortgage to recoup this shortage when THEY messed up! I am not going to chase down these taxes or pay extra on my mortgage because Freedom Mortgage made this error. 

I have spent hours on the phone trying to remedy this. 

This is their mistake, and this is absolute unsat how they are treating a XXXXXXXX XXXX veteran. I am never late on payments, I have done ALL of my due diligence. This is absolutely unacceptable.

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 2025-04-04 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I was told in XX/XX/XXXX by M & T Bank they were going to foreclose on my property XXXX XXXX XXXX XXXXXXXX XXXX   XXXX unless I paid XXXX or payoff mortgage. On XXXX the total amount of {$110000.00} was wired to XXXX XXXX XXXX XXXX XXXX payoff as well as the Attorney representing M & T.3 weeks went by and they did not deposit the money they held on to it. The foreclosure was scheduled for XX/XX/XXXX and it still was on. They said they would stop it if I paid {$4100.00} more for the foreclosure Attorney Sandler out of XXXX XXXX. I wired the money to XXXX XXXX XXXX on XXXX As of today they still have the foreclose going through the Courts. This should have been stopped. I cant afford to be homeless and my credit ruined. I've paid over {$120000.00} to have this sopped. Please help me? 
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 2025-04-04 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX ( LVNV ) is reporting a collection account with unclear payment history, inconsistent balance reporting, and questionable DOFD. This tradeline may not be verifiable and appears to violate FCRA 623 ( b ), as well as XXXX XXXX  standards concerning accurate and complete furnishing of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: KY

Complaint narrative:
Lendmark is erroneously reporting that I have paid -16 % of my loan by stating I owe {$12000.00} and the highest balance/financed amount is {$11000.00}.

However the correct financed amount was {$19000.00} ( not {$11000.00} ), therefore I have paid off nearly {$7000.00} on this debt.

This is reflecting poorly on my credit and untrue and I have requested for them to fix this more than once.

Theyre also reporting late payments when it was a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
XX/XX/year> I received collection notice from XXXX XXXX XXXX 

XX/XX/year> I responded Certified Mail with Cease and Desist letter redquesting validity of debt as outlined by FDCPA Laws Rules and Regulations. 

XX/XX/scrub> XXXX XXXX XXXX XXXX responded without fulfilling my request to include proof of debt puchase and laws governed by FDCPA concerning third-part collections.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well being. I have filed a police report along with a FTC report. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in over coming this unfortunate experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
Hello, this is a very unfortunate situation for me. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

Company response to consumer: Closed with non-monetary relief