vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$320.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my cases, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my reports. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXXXXXX Amount- {$150000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount- {>= $1,000,000} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount- {$300000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount- {$470000.00} XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We have owned our home for just over XXXX  years and have made all our payments and have NEVER had a late payment fee. We recently changed mortgage providers from XXXX to Mr. Cooper in XXXX and just received a letter on XXXX from them that we do not have Wind Insurance, which I was under the impression that we did. Turns out, we haven't had it because no one told us that our insurance was insufficient ( for XXXX YEARS ). We are now being told that they are going to force-place insurance, quadrupling our insurance rate if we don't provide them with proof of insurance, AND we have to pay XXXX  years retroactive insurance, even though we weren't told about this issue until recently. We can not afford to pay these exorbitant fees.

1. Why did it take XXXX  years for someone to realize that our insurance was insufficient?

2. What would have happened if I had taken damage on my home during this time but was uninsured, would I have just been XXXX? 
3. Why am I responsible for my mortgage provider or insurance provider 's error, and why am I on the hook for their error, for insurance that was neither used nor active at the time?

4. Why is Mr. Cooper going to charge me for XXXX  years of back payments on my insurance when they have only been my mortgage provider since XX/XX/year>?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
These inquiries are not known to me and may have been made without my knowledge. Please address this matter urgently and refer to the attached documentation.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-28 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: TX

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$400.00}

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CENTENNIAL LENDING, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding the conduct of XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX, specifically involving a representative named XXXX XXXX. I am XXXX months behind on my mortgage payment and actively trying to work with my loan servicer. Although I do not make my mortgage payments directly to XXXX XXXX XXXX XXXX payments go to XXXX XXXX stated that because XXXX XXXX  holds the note, he had the authority to freeze my checking account. 

On XXXX phone call, XXXX accessed my account, confirmed I had {$3200.00}, and demanded a {$2000.00} payment. He told me that if I did not pay immediately, he would freeze my account. And did freeze my account. I asked for time to review my finances, explaining that I was at work, at a job that I just started and had not had a chance to assess my situation. I informed him that I had been in touch with a representative from XXXX XXXX. XXXX dismissed my concerns and stated that I needed to communicate directly with him, not XXXX XXXX. He said my account is currently frozen and will stay that way til I pay the {$2000.00}. I feel I am being bullied by him just because I have asked for a modification in that payment due to just starting a new job because my last job had cut my hours and then I was laid off. I had just started this new job and was expecting my first paycheck. Thats when he went into my account and said you have {$3200.00} and that I need to pay the {$2000.00}. I told him I need to check it out and he said he didnt care that my account is frozen that I do not have access to it. I said you cant do that and he said I already did. 

On several occasions XXXX has called again and again and threatened to send me to foreclosure unless I paid immediately. I explained that I have other bills to pay and am trying to find a solution with the servicer. He then informed me that my account was now frozen until I paid the {$2000.00}. I was not aware that they had the authority to freeze my account under these circumstances and I made the payment under pressure. 

I am actively trying to apply for loss mitigation through XXXX  XXXX  and do not understand the role of XXXX with XXXX XXXX XXXX XXXX. I am deeply concerned about the legality and ethics of this situation and feel coerced and financially threatened and honestly bullied. I am seeking guidance on how to proceed and what legal protections may be available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX Experian to remove an Unsolicited Account from my credit report. Experian confirmed receipt of this request and advised me it takes up to XXXX  days to remove. The account was removed on XX/XX/year>. As of XX/XX/year> the inquiry is still on my account. On XX/XX/year> I spoke to XXXX representatives at Experian. XXXX made me repeat myself XXXX while responding that unless I was reporting fraud theres nothing Experian can do and I need to have XXXX contact them despite XXXX already doing so. I had XXXX transfer me to a supervisor who did/said the same thing and disconnected me when I mentioned filing with CFPB. BY violating my XXXX Rights, Experian has caused me undue harm

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 2025-07-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-28 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: NY

Complaint narrative:
i am writing to formally dispute inaccurate information that appears on my credit report. i listed the names and dates below - XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
Issue : Excessive and unexplained hold on deposited check under RegulationCC. 

Details : I deposited a check via mobile deposit on XX/XX/XXXX into my account at XXXX XXXX. The check is under {$5000.00}, my account is well-established opened XXXX, and there have been no recent overdrafts or fraud activity. 

Despite these facts, the bank placed a long hold, stating we have not received funds, but has not given me a valid written notice with a clear reason or a specific release date as required under RegulationCC. 

Under federal law, for a check under {$5500.00}, the bank is required to make funds available within XXXX business days unless there is a documented exception. I am requesting your help to have the bank comply with RegulationCC and release my funds promptly. 

Relief requested : Immediate release of funds or a specific written explanation for the hold, in compliance with RegulationCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am formally requesting the removal or full correction of multiple inaccurate, unverifiable, and misleading accounts still being reported on my TransUnion credit file. This is now my third certified dispute, and TransUnion has failed to provide any original documentation or legally compliant method of verification. 

The following items are inaccurate and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as charge-offs with false late payment history and no proof of verification XXXX reporting late payments on a closed, paid account ; payment status and account status conflict XXXXXXXX XXXX XXXX XXXX reporting either an unauthorized inquiry or unverifiable tradeline XXXX XXXX XXXX accounts both are XXXX and {$0.00} balance, yet showing derogatory remarks and late payments TransUnion has violated the following federal laws : FCRA 609 ( a ) ( 1 ) : No original contracts or source data were provided upon request FCRA 611 ( a ) : Failed to reinvestigate properly within 30 days FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable items must be deleted they were not UDAAP : It is deceptive and unfair to continue reporting known inaccurate data after XXXX disputes I have a full paper trail : certified mail receipts, dated dispute letters, and current report screenshots. I am requesting immediate deletion or correction of all listed items or I will take further legal action in small claims court.

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 2025-07-28 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.

Complaint narrative:
I made my car payment to Exeter Finance and received a confirmation email. The payment was processed and shows as Paid in full in the Exeter app. 

However, the company attempted to charge me again from an old bank account that I had already removed from the system. 

This is not the first time this has happened. I have already contacted Exeter via email and chat, and provided proof of the original payment : My payment confirmation email My bank statement A screenshot from the app showing no balance due Even with all this, they continue to ask me to call instead of resolving the issue in writing. I have clearly requested that they stop attempting to charge my old account, and confirm that my loan is paid. 

I am requesting a formal resolution confirming that : My account is fully paid The unauthorized charge has been cancelled My deleted bank account has been fully removed from their system This ongoing issue is causing unnecessary stress and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00}

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