vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: UT

Complaint narrative:
I am a XXXX  % Service dissabled veteran, residing in a condominium. The state I reside in allows Property tax XXXX XXXX that I applied for and was approved on XX/XX/year>. 

When I provided evidence to the Mortgage servicer, with the request to stop escrow payments of {$220.00} per month. 

The loan servicer denied the request, last week XX/XX/XXXX and continues to charge erroneously as of my last statment on XX/XX/XXXX. 

The complaint is Improper Escrow Collection ; Tax charges and XXXX XXXX, Current Escrow Balance : approx {$1700.00}. When I pay my own XXXX XXXX  and I have proof of no tax liability. 

The original loan was sold at 6.25 % interest.

The Original combined principle and interest was {$1800.00} What the loan servicer continues to take off the top and put into escrow {$220.00} I think the VA should understand there is little veterans can do to fight this in court. 

I was hoping to bring down my monthly payment down to XXXX after taking the time to file for and use the XXXX and XXXX XXXX  I did all that I was asked to do only to find this response ( below ) from my mortgage servicers escrow analysis department : ///Letter ///dated XX/XX/year> Dear XXXX, We are in receipt of your request to waive the requirement of monthly escrow deposits to pay real-estate taxes and/or home owners insurance. 
Currently, The escrow requirement can not be waived for the following reason ( XXXX ) ; The principle balance on the loan is greater than or equal to 80 % of the original appraised value. 
///End of Lettter///

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 2025-08-02 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-02 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, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-02 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: AL

Complaint narrative:
[ See attachments for full dispute letter and identifying documents ] My credit reports are inaccurately reporting late payments on my XXXX student loan accounts, even after multiple disputes. These errors violate federal consumer law and have caused material harm to my credit score. 

Specifically : My credit report shows late payments in XXXX, XXXX, and XXXX of XXXX, which is a direct violation of the federal CARES Act administrative forbearance that was in effect until XX/XX/XXXX. No payments were due during this period. 

The payment history is illogical, with reports jumping from " OK '' directly to " XXXX, XXXX, and XXXX days late '' multiple times, which violates industry reporting standards and proves the data is not accurate. 

There are significant and unexplainable differences in the reported " highest balance '' for the same loans across the XXXX credit bureaus. 

After the credit bureaus repeatedly " verified '' these accounts, I contacted XXXX directly on XX/XX/XXXX, to request the documentation ( notifications, payment ledger ) that would support their reporting. The agent stated that she " could not promise '' that the documents would be sent. 

This confirms that the servicer can not produce the records to support the data they are reporting, rendering the information legally unverifiable. The credit bureaus ' previous " investigations '' were therefore unreasonable and failed to assure the maximum possible accuracy of my file as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: AL

Complaint narrative:
[ See attachments for full dispute letter and identifying documents ] My credit reports are inaccurately reporting late payments on my XXXX student loan accounts, even after multiple disputes. These errors violate federal consumer law and have caused material harm to my credit score. 

Specifically : My credit report shows late payments in XXXX, XXXX, and XXXX of XXXX, which is a direct violation of the federal CARES Act administrative forbearance that was in effect until XX/XX/XXXX. No payments were due during this period. 

The payment history is illogical, with reports jumping from " OK '' directly to " XXXX, XXXX, and XXXX days late '' multiple times, which violates industry reporting standards and proves the data is not accurate. 

There are significant and unexplainable differences in the reported " highest balance '' for the same loans across the XXXX credit bureaus. 

After the credit bureaus repeatedly " verified '' these accounts, I contacted XXXX directly on XX/XX/XXXX, to request the documentation ( notifications, payment ledger ) that would support their reporting. The agent stated that she " could not promise '' that the documents would be sent. 

This confirms that the servicer can not produce the records to support the data they are reporting, rendering the information legally unverifiable. The credit bureaus ' previous " investigations '' were therefore unreasonable and failed to assure the maximum possible accuracy of my file as required by law.

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 2025-08-02 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 asked XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them XXXX  days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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 asked XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them XXXX  days to removing these accounts and they have not responded or removed the accounts I'm demanding 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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request that all accounts associated with my personal information that have been impacted by fraud or identity theft be blocked and deleted, pursuant to my rights under 15 USC 1681c-2 ( a ). As a victim of the recent data breach affecting XXXX, I have taken appropriate steps to safeguard my identity and would like to ensure that any fraudulent accounts opened in my name are removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX {$140.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies and furnishers are legally obligated to investigate and delete any information that can not be verified. In accordance with Metro 2 reporting compliance, all reported information must be complete, accurate, and verifiable. These fraudulent entries do not meet those standards and must be deleted immediately.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
Debt Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Corona Credit XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Dispute for Account Ending in XXXX To Whom It May Concern : I am writing in response to repeated calls and collection attempts regarding an alleged debt on my Milestone Credit Card account ending in XXXX. I am formally requesting that you cease all collection efforts and provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information in writing : The amount of the alleged debt, including an itemized breakdown of fees and interest.

The original creditors name and account number.

Proof that I am legally obligated to pay this debt, including a signed agreement bearing my signature.

A copy of any judgment ( if applicable ).

Verification that your company is licensed to collect debt in my state.

Until this information is provided, I request that you immediately cease all collection calls and correspondence other than written communication providing the requested validation. Please also note that I dispute this debt and request that it be marked as in dispute with all credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ).

If you can not validate this debt, I demand that you : Stop all collection activities.

Remove any negative information related to this account from my credit reports.

I am fully aware of my rights under the FDCPA and FCRA and will not hesitate to report any violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Inaccurate accounts are still appearing on my credit report, and nothing has changed despite the issue being known. Ive attached documents that I need you to examine carefully, because I shouldnt have to keep worrying about this.

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 2025-08-02 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: VA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 never opened these accounts, nor did I grant permission for them to be established. As they are fraudulent, please remove them in compliance with USC XXXX within XXXX days. Documentation is included.

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 2025-08-02 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
XXXX XXXX is reporting inaccurate and damaging charge-off data for an account Ive disputed with no resolution. 

I am filing this complaint against XXXX XXXX XXXX XXXX Bank due to an account they are reporting on all XXXX major credit bureaus that is inaccurate and unverifiable. The account, which was charged off in the amount of {$1200.00}, has been reporting XXXX to XXXXday late payments across more than XXXX years, which is both excessive and inaccurate. 

I have disputed this account with the credit bureaus, but they continue to report it as verified without providing any documentation or proof of validation. No signed contract, transaction history, or original documentation has ever been provided. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I have the right to a proper investigation and accurate reporting. This account continues to reflect inaccurate history and is causing substantial damage to my credit score despite my attempts to correct it. 

I request that CFPB investigate and require XXXX XXXX and the credit bureaus to remove or correct the reporting immediately.

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