vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the fraudulent accounts currently reported in my credit file. I have never applied for, opened, or authorized these accounts, and their presence is both inaccurate and harmful. The reporting of these false accounts has caused significant damage to my financial standing and misrepresents my true credit history.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of birth:XXXX My correct Social Security numberXXXX My correct address is:XXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$300.00} 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 case number XXXX, 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 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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
I received notice from Zwicker & Associates dated XX/XX/year> stating that I owed {$14000.00}. The notice provided information on how to dispute the debt and that the information needed to be received by no later than XX/XX/year>. 

I composed a letter disputing the debt and requested for information regarding this alleged debt and for validation that the debt was in fact mine I also requested : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement or contract. 
XXXX. A complete payment history and explanation of how the alleged amount was calculated. 
XXXX. Proof that you are legally authorized to collect on this debt in my state. 
XXXX. Copies of any judgments, assignments, or other documents related to this account. 

This request was drafted and signed by me personally. It was sent via certified mail to the address on the notice I received on XX/XX/year>. The letter arrived on XX/XX/year> and was officially signed for by a Zwicker representative by the name of XXXX on XX/XX/year> at XXXXXXXX XXXX. 

I did not receive a response to my request for validation. I did however receive a summons today XX/XX/year> notifying me that I am being sued in regards to this alleged debt. Furthermore, after a review of my credit report, this alleged debt has been reported to the credit bureaus, despite my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
At some point in the last few months, a loan from a company named Lendumo was made in my name in fraud. My debit card was stolen and had to be replaced at the same time after losing my wallet and personal ID information. I have since reported the loan as fraud to my bank, placed a stop payment for the amount of {$340.00}, as instructed to do so by local police department and bank. However, I was told that this company is notorious for trying to withdrawal the money even with a stop payment in place. I have called the company and asked for a revocation of authorization to use my checking account and routing number to process payments and the company told me there was nothing that they can do. I am a completely XXXX Veteran on a limited income. The money this company is withdrawing is out of my government benefits. I have no employment or other sources of income. This loan was taken out in fraud and I am not responsible nor do I want any involvement with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding a solar installation financing issue involving XXXX XXXX and Mosaic. Despite the cancellation of the project and full refund of my deposit, the financed loan remains open on my credit report due to a failure by the companies to properly process the cancellation. 

Timeline of Events : XX/XX/year> Solar installation was scheduled through XXXX XXXX, financed by Mosaic. 

Prior to installation XXXX XXXX informed me that the project could not proceed due to my roof type and canceled the project. 

XX/XX/year> I received a full refund of my {$8000.00} deposit via their holding company, XXXX. 

XXXX XXXX stated they submitted the cancellation request to Mosaic and that Mosaic should remove the loan. 

Mosaic has repeatedly claimed they did not receive the cancellation, then later acknowledged receiving it, only to later reverse and again state they did not receive it. This back-and-forth has been ongoing for over six months. 

Current Problem : The Mosaic loan remains active on my credit report despite the fact that no installation occurred and I was refunded in full. 

This unresolved loan has negatively impacted my credit history and caused unnecessary stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX  XXXX DC XXXX Re : Mortgage Servicing Complaint Fay Servicing , LLC Loan XXXX XXXX XXXXXXXX Property : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MN XXXX Dear CFPB, I am filing this complaint against Fay Servicing , LLC for multiple violations of federal mortgage servicing regulations and wrongful foreclosure practices. 

Assured Violations : XXXX. Failure to Provide Notice of Default not received as required under RESPA servicing rules. 
XXXX. Failure to Provide Notice of Sale not received as required under Minnesota foreclosure law ( XXXX XXXX. XXXX ). 
XXXX. XXXX and XXXX Mail XXXX own records confirm bad address flags and returned notices, yet no corrective action was taken. 
XXXX. Improper Foreclosure Execution Without legally mandated notices, my home was foreclosed, resulting in displacement, relocation costs, loss of rental income, and long-term credit harm. 

Pattern of Behavior of Fay Servicing LLC : XXXX  XXXX  has a documented history of illegal foreclosure practices. In XXXX, the CFPB fined XXXX {$1.00} XXXX for servicing failures, including improper foreclosure processes, as well multiple improper foreclosure processes in XXXX as well. 

My case demonstrates an ongoing pattern of similar violations XXXX  XXXX  has previously been sanctioned for foreclosure-related violations repeatedly in XXXX. Their constant repeated noncompliance shows systemic disregard for borrower rights under state and federal law. 


Harm Suffered : - Displacement from my home - Loss of rental income opportunities - Relocation expenses and housing instability - Severe credit damage and emotional distress Requested Action : I request the CFPB investigate XXXX XXXX for continued noncompliance with federal servicing laws, compel them to correct my records, and order monetary restitution for damages estimated at {$35000.00} or more because of their service failure, imporper foreclosure process and mutliple RESPA violations Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues 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 2025-09-25 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Currently making monthly payments to Mohela XXXX  but do to some reason Missouri XXXX  XXXX  has popped up saying XXXX in debt aswell & I have very late payment which is causing my credit to go down. ive currently started making payments to mohela & not sure whats goin on or what to do next??. I am XXXX XXXX purchase a vehicle soon & would like this incorrect error to go away & boost back up my credit. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
XXXX XXXX  inaccurately reported a late payment on my auto loan, even though I made the payment on time. The reported late payment does not reflect the actual payment history. After noticing the issue, I paid the remaining balance in full to close out the loan. Despite the account being fully paid off, the late payment continues to appear on my credit report. I have attempted to resolve the issue with XXXX XXXX, but the inaccurate reporting remains and is negatively affecting my credit. I am requesting that the late payment be corrected or removed to accurately reflect my on-time payment history and paid-in-full status.

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 2025-09-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/year>, I was approved for a {$21000.00} XXXX XXXX XXXX ( XXXX ) loan through XXXX XXXX  XXXX XXXX by the XXXX ( XXXXXXXX XXXX XXXXXXXX, Case ID XXXX XXXXXXXX ). The funds were disbursed to my Capital One business checking account ending in XXXX. 

I successfully sent a {$1500.00} XXXX transfer, after which Capital One froze my account without notice. Despite freezing the account, Capital One never closed it or returned the remaining funds to XXXX. 

On XX/XX/year>, the XXXX issued full forgiveness of my XXXX loan for the full {$21000.00}. This confirms no repayment is due, and there is no reason for Capital One to withhold my funds. 

Over the past XXXX years, I have repeatedly tried to resolve this matter. I filed a CFPB complaint ( ID XXXX ), after which Capital Ones XXXX XXXX XXXX President ( XXXX, XXXXXXXX XXXX XXXXXXXX ) contacted me in writing. However, my follow-up calls and voicemails to XXXX were never returned, and no resolution has been provided. 

I have also complied with Capital Ones demands by forming an LLC ( XXXX XXXX  XXXX, XXXX, XX/XX/year> ). Even after this compliance, Capital One continues to withhold my funds. 

Requested Resolution : I am demanding that Capital One : XXXX. Release the remaining XXXX loan balance to me by cashiers check mailed to my current XXXX address ; XXXX XXXX. Provide written proof ( date, amount, and transaction ID ) that the funds were returned to XXXX. 

This involves federally guaranteed funds, already forgiven by XXXX, which Capital One has unlawfully withheld for more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened up a XXXX credit card from capital one. They put me as authorized user and my brother primary, it should be the other way around. I have had nothing but hassles. XXXX was XXXX of the rudest supervisor ever. 

I have been dealing with this for XXXX weeks. They wanted verification papers I sent in what they wanted. They complained about everything. Tired of their harassment. 

We are so disgusted we finally closed the account today. Terrible customer service, no one speaks XXXX cant understand a word they are saying,

Company response to consumer: Closed with explanation