vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
YOU ARE IN VIOLATION OF XXXX XXXX Code XXXX ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of MY CORRECT PERSONAL INFORMATION : Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate addresses and names. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I demand that the following accounts be removed immediately as it's vital to me support my family : Also, I noticed that there are unauthorized inquiries made and they were not by me : I contacted the companies who placed the inquiry and asked them to delete the inquiry and or provide me written proof that I made this inquiry. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Remove unverifiable, inaccurate, unauthorized credit inquiries from my consumer report. 
It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to XXXX XXXX XXXX XXXX ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

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 2025-06-17 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:
Upon reviewing my credit report I saw an account that I did not opened and I would like to get this account removed from 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 2025-06-17 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:
Upon reviewing my credit report I saw an account that I did not opened and I would like to get this account removed from 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report I saw an account that I did not opened and I would like to get this account removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I closed on a condominium in Massachusetts. I got a mortgage with XXXX XXXX XXXX XXXX for $ XXXX, at 6.875 % int., and it was a 30 year conventional investor mortgage. The first payment was due XX/XX/XXXX On XX/XX/XXXX, I submitted my first payment to XXXXXXXX XXXX  XXXX XXXX, in the amount of {$720.00}, and was a standard payment due XX/XX/XXXX. 

On XX/XX/XXXX, I also submitted my second payment to XXXXXXXX XXXX  XXXX XXXX, in the amount of {$10000.00}, which was a principal only payment On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX XXXX XXXX saying that the loan was sold to Mr. Cooper, effective XX/XX/XXXX. In the letter it stated XXXX XXXX XXXX XXXX is now collecting your payments. XXXX XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/XXXX. 

On XX/XX/XXXX, I submitted my third payment to XXXXXXXX XXXX XXXX XXXX for {$2500.00}, which was a principal only payment On XX/XX/XXXX, Mr. Cooper officially owned the mortgage. The Mr. Cooper website states that the current loan balance is $ XXXX ( payments to XXXXXXXX XXXX XXXX  XXXX were not credited ). 

Between early XXXX and XXXX, I had numerous phone calls and emails with Mr. Cooper to help resolve the problem, with XXXX progress made. I was informed by Mr. Cooper that my evidence was insufficient to resolve the matter. I was also informed that the funds could not be located, so I decided to escalate. 

On XX/XX/XXXX, I sent a formal information request to XXXXXXXX XXXX  XXXX XXXX, requesting proof that all payments were credited to the correct account, as well as proof that payments were forwarded to Mr. Cooper. This letter is attached. 

On XX/XX/XXXX, I received a written response from XXXXXXXX XXXX XXXX  XXXX. This letter is attached. It states that payments were received and put into a suspense account, before being transferred to the new servicer on XX/XX/XXXX. I also received a detailed transaction history, as well as a document stating that servicing of the mortgage was transferred to Mr. Cooper. 

On XX/XX/XXXX, I sent a notice of error to Mr. Cooper as certified mail, specifying the payments made to XXXX XXXX XXXX XXXX, including 4 attached pages. This letter is attached. Attached was the information received from XXXXXXXX XXXX XXXX XXXX, which included a statement from Evolve specifying that funds were transferred to Mr. Cooper, including the transaction history, as well as a document specifying that the loan was transferred to Mr. Cooper. 

On XX/XX/XXXX, I received written response from Mr. Cooper regarding the notice of error sent XX/XX/XXXX. Mr. Cooper did acknowledge the issue, and requested that account services locate and apply the missing funds. This letter is attached. 

As of XX/XX/XXXX, this issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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 an account without my written instructions.

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 2025-06-17 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered XXXX accounts that were fraudulently opened in my name : A XXXX XXXX XXXX collection account for {$2700.00}, reported as opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX charged-off account for {$470.00}, reported in XX/XX/XXXX I did not authorize or open either of these accounts. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report XXXX XXXXXXXX ) and mailed dispute letters to all three credit bureaus ( XXXX XXXX XXXX  Experian ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). 

Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within XXXX  days under the Fair Credit Reporting Act and have not received resolution. 

I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-06-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : URGENT DEMAND FOR DELETION OF INACCURATE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It XXXX Concern, This letter serves as a formal dispute and demand for immediate deletion of the account reported by XXXX XXXX XXXX under account number XXXX. After thorough review, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), and therefore, I am asserting my right to request complete removal of this account from my credit profile. 

The following issues are present in your reporting : XXXX. Duplicate XXXX / XXXX XXXX XXXX The same account is being reported XXXX separate times under the same number, falsely inflating my debt and misleading scoring models. 
Violation : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy. 

XXXX. Conflicting Dispute Flags XXXX version reports Account disputed, while others show no dispute at all. This proves inconsistent updating across your system. 
Violation : FCRA XXXX Failure to properly update dispute results. 

XXXX. Inconsistent Last Payment Dates XXXX listings show the last payment as XX/XX/XXXX, and another says XX/XX/XXXX. This suggests illegal re-aging to misrepresent the age of the account. 
Violation : FCRA XXXX ( a ) ( XXXX ) ( XXXX ) XXXX knowingly false or outdated data. 

XXXX. Date Opened Conflict Some listings show the open date as XX/XX/XXXX, and others show XX/XX/XXXX a clear data inconsistency. 

XXXX. Contradictory Comments Conflicting notes such as XXXX disputes after resolution and Dispute resolved ; customer disagrees exist across entries. This shows a failure to maintain integrity in reporting. 

FINAL DEMAND : Due to the above violations and data errors, I am demanding the immediate and permanent deletion of this account from my credit file. This item is clearly unverifiable in its current state and is causing damage to my credit profile. 

You have XXXX  days from the date of this letter to complete a reinvestigation per FCRA XXXX ( a ). Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General, and legal action will be considered for statutory XXXX  under FCRA and FDCPA. 

This is your final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC
State: AL

Complaint narrative:
In XX/XX/year>, we received a Partial Claim offer from ServiceMac via XXXX. The documents were dated XX/XX/year> but not mailed until XX/XX/year> arriving XX/XX/year>. The package stated the documents had to be signed, notarized, and returned within XXXX  days but no later than XXXX  days. When we attempted to complete the process, our notary informed us the documents were already expired and could not be notarized. 

We were expecting a reissued Partial Claim with updated dates. Instead, we received a XXXX loan modification at 7.25 % interest. After advising ServiceMac that we wished to resume our original monthly payments, they verbally advised that the Partial Claim was no longer available and that the only remaining option was the XXXX modification. 

We never received a written denial, waterfall evaluation, or any documentation showing that the required FHA loss mitigation steps were followed. On Monday, XX/XX/year>, we submitted a Qualified Written Request under RESPA requesting full documentation, a reconsideration of the Partial Claim, and the opportunity to retain our original 3.5 % loan terms.

I am requesting CFPB oversight to ensure that ServiceMac follows required procedures and responds in good faith to our formal QWR, rather than forcing us into a long-term loan at unfair terms without justification.

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 2025-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing to formally dispute a fraudulent inquiry that has appeared on my credit report. I want to be absolutely clear : I have no knowledge of this inquiry, I did not authorize it, and I have no relationship with the company that initiated it. 

This was done without my permission, and that makes it both unauthorized and fraudulent. I never applied for credit with this company, never gave anyone consent to access my credit file, and never initiated any transaction that would justify this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shepherd Outsourcing, LLC
State: MI

Complaint narrative:
I am filing a complaint against Shepherd Outsourcing LLC for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and for attempting to collect on an alleged debt they have no legal right to pursue. 

Shepherd Outsourcing began contacting me by email, mail and phone in XXXX about an alleged delinquent account with XXXX XXXX from XX/XX/XXXX. In XX/XX/XXXX, I formally requested that they stop contacting me and provide debt verification. They have failed to provide any valid proof or verification, and despite my cease and desist request, they have continued to contact me. 

On XX/XX/XXXX, I recorded a conversation with their manager, XXXX XXXX, who confirmed that : - Shepherd Outsourcing does not own the alleged debt - The alleged debt is over 10 years old - The actual company claiming to own the debt is, XXXX XXXX XXXX XXXX Shepherd Outsourcing has no proof, no contract, no account statements, and no documentation linking me to any delinquency I also contacted XXXX XXXX directly. They confirmed : - I have no delinquent accounts with XXXX XXXX - I am a current customer in good standing - The account number Shepherd Outsourcing references is not tied to any of my XXXX XXXX accounts- If I had a delinquent or collection account, I would not have current active service Despite these facts, Shepherd Outsourcing continues to contact me unlawfully. This violates : - 15 USC 1692g Failure to provide proper debt validation - 15 USC 1692c ( c ) Continued contact after a cease and desist request - 15 USC 1692e Use of false or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I sent out a letter to the credit bureaus disputing this debt that doesn't belong to me and debt amounts not being accurate. I requested it to be removed and for proof to be provided that shows that debts belongs to me. I never received a response and its been over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CITIBANK, N.A.
State: VA

Complaint narrative:
b'XXXX XXXX we have XXXX  unresolved dispute claims. XXXX  claim filed XXXX  due to hotel billing our account after the reservation was cancelled in a timely manner. Initially our dispute was honored and confirmed via a letter from XXXX  and then XXXX  reversed their decision and reapplied the hotel charge XXXX to the acct. Even though we  provided proof that the reservation was cancelled in a timely manner, yet XXXX  honored the false response from XXXX XXXX XXXX  in XXXX NC. because XXXX  stated we did arrived and checked into the hotel. We asked for proof we checked into the XXXX XXXX XXXXXXXX as we were in the XXXX Room because my husband had a XXXX  on the night the hotel indicated we checked in. Our request for proof was denied as XXXX  stated it was too late to re-open the dispute. We are currently  making minimum payments on this outstanding amount with the plan to close the acct once the disputed balance is paid in full.. XXXX  complaint dated XXXX & still in limbo. Fraudulent charges for XXXX XXXX XXXX appeared on our acct on XXXX. We disputed the charges with XXXX  and filed a police report. XXXX  once again sent a letter stating they agreed  with our  dispute claim and the charges are being removed. Two days after receiving the letter confirming removal of these charges, a visit to the account  online revealed XXXX had once again reapplied the fraudulent charges to the account without notifying us. We called again to discuss these fraudulent charges and was told we allowed a relative to use our card and they gave us the name of the party and her phone number. We do not know the person who resides in XXXX  we live in XXXX, the purchases were made in XXXX,who used the card and we gave a verbal statement  denying we do not know this person who charged the purchases to our account.  The XXXX  clerk indicated she would reopen the fraud claim and that we will still be responsible for the payments of same until this  matter is resolved. This is absolutely ridiculous  and it appears to XXXX does not protect the credit of their clients and continues to align itself without accurate cause or justification with the vendor during the fraud claims resolution process. I have documentation to support our dispute claims in both of these circumstances and desire to be refunded in both cases, so we can close the account as we no longer desire to be a client of  XXXX.\XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank offers credit cards for specific retail chains. I have many retail cards from Synchrony. XXXX XXXX, TJX, HSN, PC Richard, XXXX XXXX....- just to name a few. They have started charging a {$1.00} fee to receive a paper statement. The audacity is just disgusting given the bank charges interest between 29.99 % to 34.99 %. Mailing a statement to a customer is the cost of doing business. They are more than making up for the inconvenience of sending a paper bank statement to a customer. I think it should be illegal to charge an additional fee for paper statements. The amount of debt in this country is ridiculous and this only makes it harder for consumers to remember or keep up with what they purchased the month before. 

I have talked to their customer service departments with no advisement available on what I can do to fight this. I've even called my attorney to file a class action and was told they can do what they want. That's obvious as interest rates on cards keep rising. I can get a better deal with a loan shark. The government needs to put a cap on these banks.

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 monetary relief