vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I had a lease agreement with GM Financial that started in XX/XX/XXXX. I paid my account in full in XX/XX/XXXX without any missed payments, and my account was closed. In XX/XX/XXXX, a {$570.00} CT property tax bill was sent to GM Financial. As my account was closed, I had no way to know that this bill was received and paid by GM Financial. I was never invoiced by GM Financial for this bill. In XX/XX/XXXX, I received a letter from GM Financial offering a charge off, which I accepted without understanding the repercussions. My credit score took a significant hit due to this payment appearing late and as a charge off. I do not believe the negative impact on my credit score accurately reflects my credit worthiness. Had I been invoiced in a timely manner by the lender, I would have paid in full at the time without incurring any late payments or a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX, I disputed several fraudulent accounts and provided Transunion 's with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion 's failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an installment account opened at XXXX DOFED on XX/XX/XXXX under the account number XXXX, another installment account opened at XXXX DOFED on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-08 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: AL

Complaint narrative:
I contact affirm multiple times saying this wasnt my loan. I found out a family member took it out in my name. I was told by multiple agents not to make a payment until it was out of dispute. They then reported a late payment on my account and are still making this something I have to pay back. I feel as if this is not my responsibility and even if I have to pay it back while going back and forth with them disputing, it should NOT have been reported to the credit bureau as late. That should not have happened until this was fully settled.

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 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Fidelity National Financial, Inc
State: WV

Complaint narrative:
We purchased a property in XXXX. Lender was XXXX, title company was National Link. Since XXXX I have sent several emails due to something being wrong with the taxes. Each time I was reassured ( via email ) that all taxes were paid. We had to refinance this XXXX to try to fix the deed because when we bought the property in XXXX it was never recorded correctly. Fast forward to XX/XX/XXXX and I have found out that part of our property has been auctioned off due to delinquent taxes. I have records dating back to XX/XX/XXXX when I first asked National Link about the taxes not being paid. The XXXX taxes were not paid and the XXXX taxes were not paid. Our mortgage with XXXX did have an escrow account and I had inquired with XXXX why taxes weren't being paid. I've been given the run around for almost two years and I'm fed up. The deed wasn't correct, the taxes weren't paid etc. XXXXNational Link should be responsible for the cost of getting our property back. We were never late on a mortgage payment, they just dropped the ball - no matter how many times I told them something was wrong, they refused to take action or accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate, incomplete, and damaging credit information being reported by Equifax on my consumer credit file. My concerns are based on the credit report dated XX/XX/year> ( Reference # : XXXX ), retrieved from XXXX 

Negative Item in Dispute : Debt Collector : XXXX XXXX I Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Status : Collection Account Bureau Reporting : Equifax Issues and Violations : 1. FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Equifax is reporting a collection account that contains incomplete and unverified information, including : No date of last payment is listed.

No detailed payment history is included.

Balance and collection status are shown without supporting documentation or breakdown.

This violates the FCRAs requirement to maintain complete and accurate consumer records.

2. FCRA 1681i ( a ) Failure to Properly Investigate Dispute Despite prior disputes, Equifax has failed to provide any documentary proof that this account is valid or was properly transferred from XXXX XXXX XXXX XXXX XXXX. The continued reporting of this unverifiable account is a clear violation of their reinvestigation duties. 

XXXX. Misleading and Incomplete Payment History Equifax is displaying this account as derogatory but : No monthly payment history is shown. 
No delinquency dates or activity details are included. 
This lack of transparency is misleading and damaging, and does not meet the standards for accurate negative reporting. 

4. FCRA 1681c ( a ) ( 4 ) Possible Obsolete Reporting If the accounts original delinquency occurred over 7 years ago, it may be obsolete and should no longer appear. Equifax has not disclosed this date, further making the item unverifiable. 

XXXX. Incorrect Address Reporting Equifax incorrectly lists my current address as XXXX XXXX XXXX, XXXX, PA, instead of my residential address ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ). This error can lead to mismatched account information and may raise fraud flags or verification issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a shirt online from a website called XXXX XXXX XXXX XXXX after seeing it advertised on social media. I paid {$36.00} using my Discover credit card. I never received the product, and shortly after the purchase, the merchant became unreachable. Their website went offline, they stopped responding to emails, and there is no phone number or social media presence. 

In XX/XX/XXXX, I filed a dispute with Discover, explaining that the product was never delivered and the seller no longer existed. Discover initially issued a temporary credit, but later reversed it and denied the dispute. They informed me that because the transaction was processed through XXXX ( a payment processor ), and XXXX rejected the chargeback, they could not do anything further. 

Ive been told by Discover that there is no further internal escalation possible and that I should try contacting XXXX myself. I dont have a relationship with XXXX  nor should I be expected to resolve a fraudulent charge with a third-party processor when I made the purchase using my Discover card. 

I believe I was scammed and that Discover failed to protect me as a cardholder. I received no product, the merchant disappeared, and Ive been left responsible for a charge I should not have to pay. Im requesting that Discover reopen the dispute or issue a refund under an exception, given the clear case of fraud and non-delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

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 2025-07-08 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: IL

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 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 2025-07-08 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: TX

Complaint narrative:
This is a formal request for the removal of a collection account that I believe was incorrectly reported to my credit file. I have not received any form of debt validation, and no documentation has been provided that would prove this account is accurate or mine. Continuing to report this account without offering validation is not only misleading but also a direct violation of the Fair Credit Reporting Act.

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 2025-07-08 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: NV

Complaint narrative:
Its incredibly disheartening to see my rights as a consumer disregarded. Like anyone else, I place high value on my credit standing, yet the persistent inaccuracies on my credit report have taken a serious tollnot only on my financial opportunities but also on my mental well-being. Despite repeated efforts to have these issues addressed, my concerns have been ignored or dismissed.

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 2025-07-08 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: NJ

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-08 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: Atlanticus Services Corporation
State: NV

Complaint narrative:
On XX/XX/XXXX, I started receiving text messages from fortiva saying that my payment of {$140.00} was due on XX/XX/year> with a link attached to it. I though it was a scam because I had not open any new credit card account let alone used them so I disregarded it and but they have already sent me multiple other messages with the same topic as a fortiva alert and when I researched the topic online it looks suspicious and serious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, and in the days following, multiple unauthorized transactions totaling approximately {$1000.00} appeared on my Bank of America credit card. I did not authorize these charges, did not receive any merchandise, and did not give permission to anyone to use my card or device to make these purchases. 

I submitted a dispute to Bank of America immediately, and a temporary credit was applied. Later, the bank denied my dispute, claiming that a chip card and PIN were used, or that someone I authorized made the purchase. This is not true. I have never shared my PIN or card with anyone. I also submitted a second appeal, but it was again denied. 

I am now being held responsible for fraudulent charges that I did not authorize or benefit from. I believe the bank failed to investigate the claim thoroughly. I am requesting that CFPB assist in reviewing this issue and help ensure the charges are removed from my account.

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 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In regards to the response of complaint number XXXX Several key concerns remain insufficiently addressed or require further clarification to ensure compliance with RESPA, UDAAP, and Regulation X. Below is a detailed summary of the outstanding issues requiring resolution. Your acknowledgment of an erroneous Proof of Occupancy request is noted. However, your response does not clarify whether this delay affected my loan modification review timeline. Given that processing delays increase foreclosure risks, further details are necessary to assess compliance with 12 C.F.R. 1024.41 ( b ) ( 2 ). Provide documentation showing whether the incorrect request prolonged modification evaluation. Specify any corrective actions taken to prevent future errors in document handling. 2. Loan Modification Terms Unjustified 11.625 % Interest Rate Your proposed 11.625 % interest rate remains unexplained, particularly regarding its alignment with industry standards and borrower eligibility factors. Given the XXXX ( XXXX ) ratio of 45.93 %, this rate raises concerns under XXXX principles. XXXX Required : Provide an analysis comparing this rate to similar modifications issued within the same timeframe. Specify whether regulatory guidelines influenced your determination. XXXX. Foreclosure Proceedings & Potential Dual-Tracking Violation Your response asserts that foreclosure proceedings began before a completed modification application, but this does not absolve your obligation under Regulation X. If foreclosure actions continued while loss mitigation was actively under review, this could still constitute a dual-tracking violation under 12 C.F.R. 1024.41 ( g ). Action Required : Provide a detailed servicing timeline, including foreclosure notice issuance and loss mitigation review dates. Confirm whether foreclosure was fully paused or if legal proceedings continued during modification evaluation. 4. Breakdown of Fees & Corporate Advances ( {$24000.00} in Charges ) Your breakdown of fees lacks the necessary itemization to verify compliance with RESPA guidelines on fee assessments. Without specific justification, legal fees, lender-paid expenses, and escrow advances remain questionable. Action Required : Provide a complete line-item breakdown of corporate advances and legal fees. Justify all late fees, deferred fees, and servicing-related charges

Company response to consumer: Closed with explanation