vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : ( Last XXXX digits ) XXXX Date of Birth : XX/XX/XXXX Company Complained About : Experian, Equifax, TransUnion Issue : Identity theft, inaccurate reporting, failure to block fraudulent information Description of Complaint : I am a victim of identity theft under 15 U.S.C. 1681a ( q ). I submitted formal identity theft reports, notarized affidavits, and FTC reports to Experian, Equifax, and TransUnion. Despite receiving my sworn affidavits and supporting documentation, the credit bureaus have failed to block and delete fraudulent accounts and inaccurate personal information under 15 U.S.C. 1681c-2. 

The fraudulent accounts include : 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. 

I also dispute unauthorized inquiries : XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX. Inaccurate personal information includes false names ( XXXX XXXX XXXX, XXXX, XXXX ), employers ( XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ), and addresses ( 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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Loan number XXXX I had a mortgage with Mr. Cooper which was paid off on XX/XX/year>. Before I paid off the loan, I was in touch with their customer service department, who assured me that I would not be charged a late fee for the last month of my mortgage. They recommend that I skip paying the last month of my mortgage, telling me that I would not be charged a late fee. 

After my mortgage was paid off, I noticed they had in fact, charged me a late fee of {$100.00} on XX/XX/XXXX. After sending screenshots of our chat history to the customer service agent, they were unwilling to refund the late fee. 

Im seeking a refund of my late fee of {$100.00} since I was assured by a customer service agent that I would not be charged. 

In terms of support, I had online chats with XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I missed a credit card payment because Bank of America ( BOA ) has made it unnecessarily difficult and confusing to set up automatic payments ( autopay ) through their mobile app and online platform. I attempted to enable autopay using the information provided by BOA, even visited their branch, but was unable to complete the setup due to unclear instructions and the requirement to enroll in eBills, which was not made transparent or intuitive. 

I later discovered that I had to go through multiple additional stepslike manually adding my Bank of America credit card as a payee and waiting for the first eBill before the option to pay the full statement balance became available. This information was not provided up front, and as a result, I missed my payment. 

When I contacted customer service, they acknowledged the situation and refunded my late fee. However, the autopay system still remains unnecessarily complex and may result in financial harm to other consumers who are unaware of these hidden requirements.

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 monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report under the name XXXXXXXX ACCOUNT # ( XXXX  ), DATE OPENED : XXXX XXXX, BALANCE : {$940.00}. I did not authorize, acknowledge, or initiate any debt with this company, nor was I ever informed or notified of their intent to report this alleged account to your agency. This entry was made without my consent, without proper validation, and without following due process under the Fair Credit Reporting Act ( FCRA ). 
Violations and Legal Grounds : Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. The reporting of this unverified, unauthorized debt constitutes a failure to uphold this responsibility. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, you are required to conduct a reasonable reinvestigation. I am demanding that you initiate such reinvestigation now and delete this entry if the furnisher can not fully validate the debt with original documentation, including a signed contract bearing my name. 


I also assert my rights under 15 U.S.C. 1681c-2, which allows a consumer to request a block of information resulting from identity theft. This account is not mine, was never authorized, and its appearance on my credit profile is enabling identity fraud. 


This alleged debt may be the result of identity theft as I am a victim of the XXXX  Data Breach, and your reporting of this information without verified consent may expose you to legal liability under the FCRA. The collection agency in question has also failed to notify me in writing within 5 days of reporting, as required under 15 U.S.C. 1692g ( a ) of the FDCPA. 



If you fail to properly investigate or continue reporting this unverifiable debt, I will be forced to file complaints with the XXXX, the State Attorney General, and pursue legal action for statutory damages. 

Please consider this a final formal dispute under the FCRA. I expect resolution within the legally mandated time frame.

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 2025-05-28 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: FL

Complaint narrative:
Hi, Im submitting this complaint becuz Equifax is reporting late payments for XXXX and XX/XX/year> on my XXXX account XXXX even tho the account shows as Paid and Closed with {$0.00} balance. That dont make no sense how can I be 60 days late on something thats already closed and fully paid? 

Also, I never got any billing statements or proper notices about being late, which is required under TILA ( 15 U.S.C. 1637 ( b ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). They cant just say Im late without proving it.

On top of that, the reporting is full of Metro 2 format violations like theres no Payment Rating code, no XXXX  ( should be XXXX ), and the XXXX  is either missing or not confirmed. The past due amount shows {$0.00} while they still say I was 60 days late. Thats inconsistent and misleading, and violates FCRA ( 15 U.S.C. 1681e ( b ) ) and 1681s-2 ( b ), which say data must be accurate and corrected when disputed. 

This is hurting my credit score and makes it look like I missed payments when I really didnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-28 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Account XXXX XXXX XXXX  XXXX. # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification. please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was alerted by XXXX XXXX that my credit line was being used and almost all of it had been used ( XXXX  XXXX ) on credit cards that was opened 14 years ago. I asked my mom I asked my dad and they both have no recollection so I want to press charges on whoever it is thats racking up {$3000.00} in credit. I called the bank they gave me no information on where it was being used or anything. I need the credit line frozen and put back to normal because I went from having a good credit of XXXX to being {$3000.00} in debt. XXXX knew something was wrong and they deleted my whole account sad a bank cant stop from identifying a theft in someones credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX {$1000.00} source receivables management It has been removed from transunion. I have disputed this from all 3 credit bureaus and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX accounts opened fraudulently. 

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 2025-05-28 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 was looking at my credit report and i saw XXXX accounts opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
Dear Experian, In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing multiple unauthorized credit inquiries that appear on my credit report, and I am also requesting the correction of inaccurate personal information. # # # Unauthorized Credit Inquir
ies The following inquiries have violated my federally protected consumer rights to privacy and confidentiality under * * 15 U.S.C. 1681 * *, for the following reasons : * * * 15 U.S.C. 1681 Section 602A * * Establishes my right to privacy regarding the use and distribution of my credit file.

* * * 15 U.S.C. 1681 Section 604 A ( 2 ) * * States that a consumer reporting agency may not furnish a report without the consumers written instructions.

* * * 15 U.S.C. 1681c ( a ) ( 5 ) * * Prohibits reporting any adverse item older than seven years.

* * * 15 U.S.C. 1681s-2 ( a ) * * Prohibits any person from knowingly furnishing inaccurate or unverifiable information.

These inquiries were not authorized by me and are not linked to any open or approved accounts. I respectfully request that you * * remove * * the following inquiries from my credit file : 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 XX/XX/XXXX Personal Information Correction In addition, I am requesting that you correct my personal information as follows : XXXX XXXX XXXX  Correct Legal Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( as shown on my official identification ) * * * Correct Mailing Address : * * XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX * * * Employer Name ( if listed ) : * * Antunes Please update your records accordingly and remove any incorrect name variations, addresses, or employer names that may be listed in error.

-- - Please conduct your investigation as required by federal law. I expect written confirmation of the results of your investigation and the actions taken within the timeframe mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-28 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: IL

Complaint narrative:
Dear Experian, In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing multiple unauthorized credit inquiries that appear on my credit report, and I am also requesting the correction of inaccurate personal information. # # # Unauthorized Credit Inquir
ies The following inquiries have violated my federally protected consumer rights to privacy and confidentiality under * * 15 U.S.C. 1681 * *, for the following reasons : * * * 15 U.S.C. 1681 Section 602A * * Establishes my right to privacy regarding the use and distribution of my credit file.

* * * 15 U.S.C. 1681 Section 604 A ( 2 ) * * States that a consumer reporting agency may not furnish a report without the consumers written instructions.

* * * 15 U.S.C. 1681c ( a ) ( 5 ) * * Prohibits reporting any adverse item older than seven years.

* * * 15 U.S.C. 1681s-2 ( a ) * * Prohibits any person from knowingly furnishing inaccurate or unverifiable information.

These inquiries were not authorized by me and are not linked to any open or approved accounts. I respectfully request that you * * remove * * the following inquiries from my credit file : 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 XX/XX/XXXX Personal Information Correction In addition, I am requesting that you correct my personal information as follows : XXXX XXXX XXXX  Correct Legal Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( as shown on my official identification ) * * * Correct Mailing Address : * * XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX * * * Employer Name ( if listed ) : * * Antunes Please update your records accordingly and remove any incorrect name variations, addresses, or employer names that may be listed in error.

-- - Please conduct your investigation as required by federal law. I expect written confirmation of the results of your investigation and the actions taken within the timeframe mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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