vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
Subject : Request for Removal of Unverified Negative Information FCRA Violation, Lack of 30-Day Notice, and Escalated Complaints Filed To Whom It May Concern, I am submitting this formal complaint and request for removal concerning inaccurate and improperly handled information appearing on my credit file. This matter involves a violation of the Fair Credit Reporting Act ( FCRA ) and a failure to follow federally required consumer notification procedures.

Furnisher/Creditor Name : XXXX XXXX XXXX XXXX Account Number ( if applicable ) : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Reporting : XX/XX/XXXX During my previous dispute regarding this account, the furnisher reported negative information to one or more consumer reporting agencies without providing the required 30-day written notice, as set forth under 15 U.S.C. 1681s-2 ( a ) ( 7 ). Furthermore, upon formally disputing the accuracy of the item, I received no validation of the account within the statutory 30-day reinvestigation period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Because the information was never validated and the notice obligation was ignored, this entry should have been deleted under 1681i ( a ) ( 5 ) ( A ).

Due to the temporary suspension of FTC consumer intake during the federal government shutdown, I have escalated this matter by submitting formal complaints to the following agencies for record and oversight : Missouri Attorney General Consumer Protection Division ( Complaint filed approximately XXXX XXXX XXXX XXXX CST ) Internet Crime Complaint Center ( IC3 ) Complaint No. XXXX These filings document my attempts to seek resolution through lawful channels while the FTC system remains inaccessible.

In light of these procedural violations, lack of proper notice, and failure of verification, I respectfully request that this negative item be removed from my credit report either : As a matter of statutory compliance under the FCRA ; or As an act of goodwill, reflecting your commitment to fair and accurate consumer reporting practices.

Enclosed are supporting materials, identity verification, and documentation of the above complaints. Please confirm receipt of this letter and provide written notice of any corrective action taken.

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXXXXXX XXXX XXXXXXXX, XXXX ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it reported to any credit bureau. I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation.

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Equifax is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account- and the related hard inquiries - without any documented consent constitutes a direct violation of this section. They're using and disclosing my non-public personal information without authorization.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( Case No. XXXX ) identifying the disputed account and inquiries, yet Equifax continues to report them, causing ongoing harm and violating this section.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met.

PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of this unauthorized account. When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying. I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was bad because of something that isn't even mine. It was stressful looking for another place and facing the same problem over and over. My insurance premiums increased due to credit-based pricing. I'm literally paying more money every month because of something I didn't do.

This ongoing situation has caused me real financial pressure. I wake up worried about this. It's frustrating and causes XXXX  knowing that I'm being punished for something that violated my rights from the beginning. It affects my daily life in ways it shouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon noticing a late payment on my credit score, tanking it by XXXX points, I called my mortgage company asking what happened because I have an autopay set up monthly and have never had a late payment for any credit product in my life. They told me theyd sold my loan and I had to set up a new autopay with that company. I NEVER received a notice that my loan was being transferred, not by mail, phone call, or email, and neither company notified me at any time of a need to change my autopay or that payments werent being received, not by mail, phone call, or email, all information that they have readily available. This is in violation of the requirement to notify me of changes to ownership of my mortgage. This company has now sold my mortgage twice, the first time I received notice so I know they know how to send me that information, the second time absolutely NO notice. Upon calling the company they agreed that they never sent notice, that they would fix my credit report, and that they should never have reported me delinquent in the first place. In addition they vowed to send notice in the future, and yet I didnt receive notice of successful payment, documentation of their credit report change submission, or information on who now owns my loan. I have submitted disputes to all three credit bureaus with no updates or changes to my credit report.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon noticing a late payment on my credit score, tanking it by XXXX points, I called my mortgage company asking what happened because I have an autopay set up monthly and have never had a late payment for any credit product in my life. They told me theyd sold my loan and I had to set up a new autopay with that company. I NEVER received a notice that my loan was being transferred, not by mail, phone call, or email, and neither company notified me at any time of a need to change my autopay or that payments werent being received, not by mail, phone call, or email, all information that they have readily available. This is in violation of the requirement to notify me of changes to ownership of my mortgage. This company has now sold my mortgage twice, the first time I received notice so I know they know how to send me that information, the second time absolutely NO notice. Upon calling the company they agreed that they never sent notice, that they would fix my credit report, and that they should never have reported me delinquent in the first place. In addition they vowed to send notice in the future, and yet I didnt receive notice of successful payment, documentation of their credit report change submission, or information on who now owns my loan. I have submitted disputes to all three credit bureaus with no updates or changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On various dates in XXXX and XXXX I requested for an updated tracker for my spending and each time a representative over live chat told me that they dont have a way to track live and that it takes a while for their internal tracker to update and I should be fine. This spending was for the {$15000.00} spend in 3 months for XXXX rewards points with American Express. I spent XXXX and XXXX in the first two months and XXXX in the third month. Now that the three months are over, they have been telling me that some spending takes a while to update or that some of my spending is not considered qualified expenses. On their app there is no way to track what spending is considered qualified for them, there is no indications for specific transactions and how Amex classifies them so it has been a very confusing process. Now they are saying they will launch an internal escalation to investigate my spending and it will take another 10 business days. By then the 3 months will have long passed and I will likely not be rewarded my points. This seems like a very shady way to take hundreds of dollars in membership fees from customers through misleading them with outdated trackers and uninformed representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XXXX I discovered that my Zelle account was restricted without warning. I was unable to send or receive money through the platform. I contacted my bank/Zelle support for clarification, but I was not given a clear reason for the restriction or steps to resolve it. This restriction has caused inconvenience and delayed transactions that I rely on for regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This complaint concerns an egregious dual-tracking violation that led directly to an improper foreclosure sale and title transfer of my home despite active loan-modification review. The servicer knowingly proceeded with foreclosure activity in violation of 12 C.F.R. 1024.41 ( g ) and ignored multiple pending motions and objections in state court.

This part involes the XXXX XXXX XXXX XXXX Loan Servicer : Mr. Cooper Attorney for lender : XXXX ( XXXX XXXX ) Who paid of 2n mortgage is the same bank but diferent loan servicer SLS loan servicer Attorney-XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
On Wednesday, XX/XX/year>, I received a text message from a company identifying itself as Central Portfolio Control ( XXXX ), a debt collector, regarding a debt that is not mine. 

On the same day, I replied STOP as instructed in the message. Shortly after, I received a confirmation reply from XXXX stating that I had opted out and would no longer receive messages from their service. 

However, on XX/XX/year>, I received another text message from XXXX about the same debt. This shows that they continued contacting me even after confirming my opt-out request. 

I have never had any account or financial relationship with this company, and the debt they are attempting to collect does not belong to me. 

These actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ) by contacting the wrong person and continuing communication after I revoked consent. 

I am requesting that XXXX be instructed to stop all contact with my phone number and that any related records associated with me be removed from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TomoCredit Inc.
State: IL

Complaint narrative:
I enrolled in TomoBoosts credit-building service approximately 24 months ago, beginning in XXXX, XXXX. But my account has been deactivated for 2 months while i have tried to contact tomoboost to rectify this issue ( 22 months have been billed ).

The company advertises that, for a monthly fee of {$80.00}, it will report bill payments to the credit bureaus to help customers build credit history.

Since enrollment, I have paid a total of {$1700.00} to TomoBoost. However, TomoBoost has failed to provide the services promised : Only 4 of my bill payments were ever recorded in my TomoBoost dashboard since XX/XX/XXXX. 

None of the data from my account has been reported to the credit bureaus. My credit reports show no trade line, no payment history, no credit limit, and no credit age associated with TomoBoost.

I relied on this service for credit-building purposes, and as a result of their failure to report, I have suffered financial harm and lost credit opportunities. 



On XXXX XXXX, XXXX, I sent a formal written demand to TomoBoost requesting a full refund of {$1700.00}. I gave them 7 business days to respond. That deadline has long passed, and I have received no reply.

Before I emailed my complaint and refund demand to Tomoboost, I got screenshots from my tomoboost dashboard and credit report to document that tomoboost was in fact not rendering the services agreed upon.

I am attaching : A copy of my demand letter sent to both TomoBoost support emails on XXXX XXXX XXXX.

Screenshots of my TomoBoost dashboard showing missing data.

A copy of my credit report showing no reporting from TomoBoost.

Records of payments made to TomoBoost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Both the XXXX and furnishers are in violation of XXXX XXXX. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have several late payments being reported on my Target credit card account that I believe are incorrect. My account has been on automatic payments the entire time, and Ive never missed a payment. Despite this, the account is being reported as late on my credit reports, which has negatively impacted my credit score. I have contacted Targets customer service to resolve this, but the issue remains.

I am requesting that the company review my payment history and verify that the reported late payments are accurate. If they are found to be errors, I would like them to be removed from all credit bureaus ( XXXX, XXXX, and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-30 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-30 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-30 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: IN

Complaint narrative:
I am writing to formally dispute certain items on my credit reports that I believe to be inaccurate. Below are the details of the accounts I am disputing across the three credit bureaus. I am requesting a full investigation and correction of these items in compliance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries XXXX, Date : XX/XX/year> Late Payment XXXX XXXX XXXX Account Number : XXXX Dispute Reason : The late payment listed for this account may be inaccurate. Kindly investigate and correct as appropriate.

Company response to consumer: Closed with explanation