vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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 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 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 XXXX XXXX Balance : {$16000.00} 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, 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 2025-09-02 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: NV

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-02 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: OK

Complaint narrative:
My credit profile is inaccuratewhich is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
I try to deposit money into my account at 3 different locations that they use and can't deposit the money. I use the app to chat with an agent and they say it must be the stores fault but I've tried at 3 different locations and had been using one for years with no problems. I call and get hung up on before I can get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XXXX

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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XXXX

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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 am an XXXX servicemember, and my credit report is showing inaccurate late payment entries for the following account : Creditor/Furnisher : XXXX XXXX Account Number XXXX XXXX I was never late on this account. Despite my prior disputes, XXXX XXXX and the credit bureau continue to report late payments without providing proper evidence or verification. Instead, I only received automated template responses, which do not satisfy the requirements of the law. 

This reporting violates : 15 U.S.C. 1666b, which prohibits a creditor from reporting a payment as late unless billing statements were mailed or delivered at least 21 days before the due date. No such compliance has been demonstrated.

15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i, which requires that if information can not be verified, it must be deleted within the reinvestigation period. More than 30 days have passed, and the inaccurate late payments remain. 

The continued reporting of these false late payments is damaging my credit and restricting my access to essential credit opportunities. This situation is especially harmful given my status as an XXXX military servicemember, which requires urgent correction.

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 2025-09-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NORTHERN HILLS COLLECTIONS INC.
State: SD

Complaint narrative:
This morning, XX/XX/XXXX XXXX was contacted by northern hills credit collection, in which I've already filed a complaint this weekend. I've sent them numerous email messages.Even setting up a payment plan. The representative, who called me this morning, would not listen to what I had to say about what had gone on this weekend. She continued to laugh at me. She continued to basically tell me. I was ridiculous and that her management wouldn't even know anything about her. Calling me and the emails that I sent setting a payment plan. And filing a complaintShe would have no knowledge of because only management gets to see those. I tried to express how they had gone through my ex. XXXX stated that they were going to disclose this information. I tried to discuss who owned the business and that he was a friend of my ex. XXXXXXXX XXXX, and she kept laughing at me, and she kept telling me that I didn't know what I was talking about. And she just tried to get the information out of me and make me admit that I owed this debt which I told her I did, and I already handled it. I did not appreciate being laughed at continuously and not listen to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I dispute the late payment reporting on my account. I have confirmed that all payments were made in full and on time. This false entry damages my creditworthiness and must be corrected.

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 2025-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am filing this complaint against my current mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC, doing business as Lakeview Loan Servicing ), regarding what I believe to be unfair and deceptive escrow practices that have resulted in a steep and unreasonable increase in my monthly mortgage payment. My mortgage loan has now been transferred four times between different servicers, and with each transfer, the servicing practices have become more confusing and burdensome. Since Mr. Cooper took over the servicing of my loan, I have received a notice that my monthly mortgage payment will increase sharply to {$1700.00} effective XX/XX/year>, due to what they allege is an escrow shortage of {$1600.00}. 
This increase is a significant hardship and seems unjustified, given that : 1. I have never missed a mortgage payment and have always paid on time.

2. My mortgage loan has been transferred four times between different servicers, and I believe this repeated servicing transfer has contributed to accounting errors or mismanagement of my escrow account.

3.The servicer has not provided a clear, transparent explanation of how the escrow shortage was calculated. 
4.Instead of offering shortage repayment options ( such as spreading repayment beyond 12 months ) or hardship assistance, they are imposing a sudden spike in my monthly obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: WI

Complaint narrative:
I was sent an alert by my credit union that someone has accessed my credit report. 
I looked at my Transunion credit report and found that a company by the name of XXXX XXXX has made a regular inquiry on my credit that was not requested or authorized by me as I am not doing any business with them. So someone used my identity to apply for a loan with XXXX XXXX. I went to the business branch located at XXXX XXXX XXXX XXXX in XXXX XXXX to find out who was stealing my identity and applying for a loan. They would not tell me much. They gave me a phone number that was on the application which I then called. The recording on the phone said the person was not accepting calls at this time. They also inquired if my wife 's name is XXXX which it is not so apparently that was a name on the fraudulent application also in addition to my name. They called their branch manager and also their fraud department. I also called their fraud department when I got home and told them I wanted this resolved right now and the inquiry removed from my credit report. They said they would do that and I was sent an avadavit by them to fill out and sign which I did today XX/XX/year>. I also filed a police report with XXXX XXXX Police Dept and froze all credit and placed fraud alerts on it.

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 2025-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NEXA Mortgage, LLC
State: VA

Complaint narrative:
I submitted an Initial Loan application through axen mortgage about a week and a half ago. I have been strung along and even reapplied because they said it was an input error and said it would fix my issue. These folks have been extremely not helpful and even approved my app and then have gone back and " unapproved '' the application. I can't get straight answers from anyone on the phone and my credit inquiry was a complete waste. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and I noticed inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts dont belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist and Credit Report Dispute Request for Immediate Removal To Whom It May Concern : I am writing to formally dispute the validity of the alleged debt you claim I owe, which is currently being reported on my credit file under my name, XXXX XXXX. The entry associated with Portfolio Recovery Associates is inaccurate and/or unverifiable and must be removed from all credit reporting agencies immediately. 
Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ), I am hereby requesting that you cease all communication with me regarding this alleged debt. Furthermore, under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am requesting that you conduct a full investigation into the accuracy of the information you have furnished to the credit bureaus. If you can not provide proper validation of the debt, including original creditor details, account history, and documentation bearing my signature, you are legally required to delete the entry from all credit reports. 
Until such documentation is provided and verified, you are not permitted to continue reporting this account. Failure to comply with federal law may result in me pursuing all available remedies under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, as well as seeking legal action for damages. 
Please confirm in writing within 30 days that you have ceased collection efforts and removed the negative listing from all credit bureaus ( XXXX XXXX and XXXX  ). This letter is sent without waiver of any of my rights, and I reserve the right to take further action if necessary. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: TN

Complaint narrative:
I am filing this complaint because multiple accounts on my credit report are being reported inaccurately, inconsistently, and in some cases, fraudulently by the three major credit bureaus ( XXXX XXXX  and XXXX  ). These inaccuracies have directly impacted my ability to obtain credit for essential purposes such as buying a house, purchasing a car, and other financial necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation