vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Rent Recovery Solutions
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe ( Account # XXXX ) and to request immediate removal from all credit reporting agencies under my rights as granted by federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I made a timely written request for verification of this debt. Your response failed to provide the legally required documentation proving : The original creditors name and contact details, A full breakdown of the amount owed ( including interest/fees ), and Your legal authority to collect this debt.

Until such documentation is provided, you are in violation of FDCPA 1692g ( b ), which prohibits continued collection activity, including credit reporting, without proper debt validation. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 (
b ), any information you report to a credit bureau must be accurate and verifiable. Reporting unverifiable or disputed information violates this law and may subject your agency to damages under FCRA 1681n and 1681o.

Because you have failed to validate the debt and continue to report it, I am demanding the immediate deletion of this account from all credit reporting agencies. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and will consider legal action for statutory damages under the FDCPA and FCRA.

I request your written confirmation within 15 business days that this account has been deleted from my credit reports and that all collection activity has ceased. 
Mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, [ XXXX XXXX ] FDCPA 1692g ( b ) : You have the right to dispute a debt and demand validation. They must stop collection until they validate it.

FCRA 1681s-2 ( b ) : Creditors/collectors must report only accurate and verifiable info to credit bureaus. If they report unvalidated info, theyre in violation.

FCRA 1681n / 1681o : Allows you to sue for damages if they violate your rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am trying to buy a home, 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 ( XXXX XXXX or XXXX  ) 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NC

Complaint narrative:
When Student Protection loan ended I did NOT receive notification. I did not have access to email on file nor did I have access to the phone number on file. I also did not receive a paper notice.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANNER CORPORATION
State: WA

Complaint narrative:
CFPB Complaint as a XXXX XXXX XXXX XXXX about Banner XXXX XXXX XXXXXXXX WA XXXX. MY BRANCH FOR CHECKING ACCOUNT ENDING IN XXXX IN XXXX XXXX WA. XXXX. On XX/XX/year> a debit transaction of {$250.00} was debited on my XXXX checking account from my use of my atm debit card purchase for goods and services. 
This debit was also fraudulent since the company doesn't legally exist. On same day in XXXX a {$11.00} XXXX XXXX  atm debit card scam occurred. 
After Banner XXXX refused to do an investigation and provide provisional credit of {$250.00} they declined my claim. 
Banner XXXX in XXXX wa. Headquarters said it was a legitimate transaction. But after researching the info about this company in XXXX XXXX XXXXXXXX. The company doesn't exist. The phone numbers are from a XXXX XXXX XXXXXXXX with area code but are fake and address Is fake and the website XXXX is also fake. 
Banner XXXX  is stonewalling me and exposing my deposits to continuing atm bank debit card fraud for all their customers. 
They will not comply with Regulation XXXX for failure to deliver goods and services. 

I followed the usual procedure but Banner XXXX has not complied with regulation E. The branch officer in XXXX XXXX XXXX XXXX with me and submitted a corrected claim again since it was for non delivery of paid for goods and services. 
I spoke with several persons of the fraudulent companies telephone numbers from XXXX and XXXX area codes but now they dont work. 

I request in this complaint to have Banner XXXX credit back to my XXXX account the {$250.00} fraudulent debit transaction. 

A company that does not legally exist can NOT submit a debIt transaction with fraudulent information on addresS, name and telephone numbers and be valid. 
I never received my purchasE with my banner XXXX  atm card any goods or services. 
This event was related to my response to a XXXX ad for XXXXXXXX XXXX XXXX  XXXXXXXX XXXX product and services. My purchase was not and is not an investment of any kind.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to report an incident that occurred on XX/XX/year>, at the XXXX XXXX  XXXX in XXXX, Florida, involving one of the representatives at the Lowes booth. 

I visited the Lowes booth to inquire about joining the MyLowes Pro Rewards program and spoke with a representative. During our conversation : - The representative asked for details about my business and entered the information into a device she referred to as a XXXX. 
- After verifying my companys EIN, she requested the last four digits of my Social Security Number. 
- I immediately asked why this information was necessary. She explained that, because I was using my business information, Lowes required additional verification using the last four digits of my SSN. 
- At no point in the conversation did either of us mention the words credit card. I had no intention of opening a credit card. 
- Before providing my SSN digits, I specifically asked whether using the last four digits of my SSN would result in a hard credit inquiry. The representative explicitly stated, No, it will be a soft pull. 

However, just fifteen minutes after leaving the booth, I received notifications indicating that a hard inquiry had been made through XXXX  and that a Lowes credit card account had been opened in my name without my knowledge or consent. 

This experience is a case of consumer fraud. I was misled and provided false information about the nature of the request. I closely monitor my credit and am extremely cautious about allowing hard inquiries. 

A few days later, I was contacted by a representative from Synchrony Bank. She informed me that she might be able to remove the inquiry by initiating a fraud case with Synchrony. She acknowledged that I was induced to apply for credit under false pretenses, which constitutes fraud, and confirmed that she is escalating the matter to their fraud department. 

The incident caused considerable emotional distress. I was unable to sleep, and I did not return to the conference. The remainder of my weekend was overshadowed by stress and frustration and has continued into this week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
We have a VA-backed mortgage with XXXX XXXX. After a failed short sale, we submitted a Deed in Lieu ( DIL ) application on XX/XX/year>. Mr. Cooper acknowledged receipt and said theyd decide by XX/XX/XXXX. Despite that, they scheduled foreclosure for XX/XX/XXXX and refused to postpone it. 

They later denied our DIL request, saying they didnt have enough time to review it before the auction. This contradicts VA and CFPB servicing rules, which require a pause in foreclosure while a loss mitigation option is pending. 

Also, H.R. 1815 " VA Home Loan Program Reform Act '' was just passed and we believe that Mr. Cooper is not following the guidelines in this new law.

We are a veteran family who acted in good faith. Mr. Cooper is rushing foreclosure while violating VA guidelines and RESPA protections. We are asking for help to stop this foreclosure and hold Mr. Cooper accountable. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should 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 non-monetary relief
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX  Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher fai
lure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
XXXX got me a gift but used my credit with his card information unknowingly. As he had access to my phone he was able to circumvent my ability to know about it. We broke up and I was made aware of this issue. Ive provided the police report and was paying on it until I got the police report was generated and its now on my account and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dispute Claim : Late Payment Reported in Error " I am writing to dispute a late payment reported on my American Express account ( card number : XXXX I was not provided with proper instructions or notice on how to make my payment after the account was closed. As a result, I was unable to pay on time due to lack of communication. I am requesting a review and removal of the late payment from my credit report, as I did not receive a clear path to resolve the balance. I am more than willing to settle any outstanding amount and would appreciate a resolution to this matter. ''

Company response to consumer: Closed with explanation