vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following medical collection accounts on my credit report. These accounts are inaccurate, incomplete, and violate multiple federal protections including the FCRA, the CFPBs XXXX  guidance, and the No Surprises Act. 

Medical Collection Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are listed as unpaid medical collections and are being reported by XXXX XXXX, and TransUnion as of XX/XX/XXXX. 

Legal Grounds for Deletion : Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These debts lack full verification, including itemization and proof of consumer liability.

You are obligated to remove any information that can not be verified within 30 days ( 611 ).

CFPB Compliance Bulletin 2023-01 Medical Debt Reporting The CFPB has stated that medical bills are frequently inaccurate, misused in credit reports, and often do not serve a permissible purpose under FCRA 604 ( a ).

The CFPB further emphasized that using medical debt to coerce payments rather than report legitimate credit risk is deceptive and unlawful. 

No Surprises Act Violation These debts may be related to surprise or out-of-network charges, which are not legally collectible under the No Surprises Act ( 2022 ). As such, their reporting is illegal and must be immediately ceased. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX under {$500.00} and/or paid accounts must be removed from credit reports by all major bureaus. 

Based on industry standards and recent policy changes, these accounts should no longer appear. 

Action Requested : In accordance with FCRA 611, I formally request that you : Delete both XXXX XXXX accounts from my credit report across all bureaus ( XXXX XXXX TransUnion ). 

Provide me with an updated copy of my credit report showing the removals. 

Send written confirmation of your findings within the 30-day dispute window.

Failure to properly investigate or delete unverifiable and legally non-compliant information will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX  ), and potential legal counsel under FCRA 616 and 617.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened up a care credit, Amazon and XXXX XXXX with synchrony bank and they were closed without any notice which I understand is allowed but for absolutely no reason when all my payments were being made on time and most of my credit cards I have paid in full each month. After speaking to them they told me it was closed due to possibly not being able to repay the amount but where would they be getting this information from? I believe I was targeted due to my XXXX last name and not due to my credit score or income especially after I have always made my payments on time. I want this matter investigated 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc.
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX, has been sending harassing text messages and unsolicited mortgage offers in a predatory manner and after I asked that he stop calling/texting me. He has accessed my personal information beyond what I would consider appropriate and without my authorization or approval.

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 2025-05-16 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: CA

Complaint narrative:
I am writing to address serious issues on my credit report involving inaccurate personal information and accounts that do not belong to me. These errors appear to be the result of identity theft, and I have already taken the necessary steps by filing an FTC identity theft report, as advised by Experian. Despite submitting that report, these fraudulent accounts are still on my file. I want to be very clear, I did not open or authorize these accounts. They are not mine, and they are damaging both my credit and my peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports. After reviewing my credit reports Ive noticed some accounts I'm not familiar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint for reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of the debt Letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed 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 non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-05-16 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: CA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I had my bank ( XXXX XXXX  ) send a check in the amount of {$1100.00} to Santander Bank. They received my check but never applied it to my loan.It was on my bank statement as an unapplied amount. In XXXX, they charged me a late fee of {$20.00}. Even though they had my money. When i called to straighten out the problem, the only thing they were interested in was collecting the {$20.00}. I then started receiving notices and phone calls saying I was past due. I was told that they were going to escalate the issue, and the problem would be resolved within 5 days. I have never heard from them. On XX/XX/XXXX, I decided to pay off the loan, which included the late fee. I was told I would be reimbursed, which I never was. 
Again I was told the issue was being escalated. 
I have noticed during the life of the loan, my payments would not be posted to my loan until the last day it was due, even though they had gotten my check 2 weeks prior. When I paid off my loan it was posted to my XXXX XXXX  account that day. I feel by withholding my payments I havve paid more interest than I should have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX ACCT # XXXX OPEN XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX OPEN XX/XX/XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with MaxImum Accuracy. 

I contacted transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted TRansunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I am disputing the accuracy of several collection and charge-off accounts reported by Equifax, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a reported balance of {$1500.00}. These inaccuracies have been a constant source of financial distress, creating obstacles in my financial journey and impacting my overall credit health. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's ongoing issues with inadequate investigations, including their failure to properly verify disputed items, as outlined in 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ). This is particularly troubling, as it suggests that Equifax may have relied on incomplete or inaccurate data in reporting these accounts, potentially compromising my financial reputation and creditworthiness. Given the serious nature of these errors and the significant impact they have on my financial stability, I expect Equifax to prioritize a thorough and complete review of these accounts to verify their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am paying the mortgage regularly, they started double billing me, not crediting my account I make payments, charging me late fees, reporting to credit bureau of non payment, threatening foreclosure on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I received an official letter from the U.S. Department of Education stating that my federal student loans for attendance at The XXXX XXXX were approved for full discharge under the Borrower Defense to Repayment program. The letter confirmed that I no longer needed to make payments, that my loans would remain in forbearance, and that I would not be subject to collections. 

Despite this, MOHELA, my loan servicer, sent the loan to collections, and the account was reported to the credit bureaus, negatively impacting my credit. This occurred even though the discharge had been approved and I was told by the Department of Education that no payments or collections would occur during the discharge process. 

I attempted to contact MOHELA by phone, but their system only loops automated messages, and I have been unable to speak with a live representative. I also sent an email to request urgent correction and removal of the credit damage, but have not received resolution. 

This situation is causing significant distress, and the credit reporting is inaccurate and unjustified. I am requesting that all collections and negative credit reporting be reversed immediately and that my discharge be properly processed. 

XXXX  Case Number : XXXX  Loan related to : XXXX XXXX XXXXXXXX Discharge letter dated : XX/XX/year>XXXX  Servicer : MOHELA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Today, I noticed some errors on my credit report that I can't explain. I check my report regularly, but this time, unfamiliar accounts appeared. I thought it might be a browser issue and tried refreshing, but nothing changed. Because of this, I kindly ask that you review the documents Ive provided thoroughly so I can have peace of mind moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I recently reviewed my credit report and noticed that I have fraudulent account on my report. Please remove these accounts. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I had no involvement in opening these account and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation