vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was disputing thru TransUnion and XXXX There is a conns closed account. That is inaccurate they didn't approve my dispute. Account was closed in XXXX but says 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 2025-05-13 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: Credit International Corporation
State: TX

Complaint narrative:
I used Bill Pay on XXXX XXXX software, which I had used in the past with no problem. I paid a bill for {$1900.00}. Funds were scheduled to be withdrawn from by bank account on XX/XX/year> and delivery of these funds were scheduled for XX/XX/year>. However, my account was never charged. A case was opened with XXXX  but I was unable to submit payment through their portal, case # XXXX. I recently received an e-mail from XXXX XXXX at Credit International Corporation demanding payment and threatening to hurt my credit. I offered starting a payment plan with 10 % of the balance. Response was : " We cant take a payment plan of that amount on this bill. Please reach out once you have the full balance plus the accrued interest. ".

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am submitting this complaint due to ongoing mortgage servicing misconduct by Mr. Cooper Mortgage. After my USDA-backed mortgage was transferred from XXXX XXXX  XXXX Mr. Cooper failed to honor the in-progress COVID-relief modification I was approved for. Instead, they issued a new agreement that excluded escrow, causing my payment to rise significantly without proper disclosure or explanation. 

When I disputed the payment increase and submitted evidence through their internal email process, I received no response. Instead, they reported me delinquent to the credit bureaus while the matter was under review, destroying a refinance I had already been approved for. The refinance lender told me this looked like a deliberate attempt to block me from leaving Mr. Cooper. 

Despite my repeated requests for help, Mr. Cooper consistently failed to provide support or follow up. In XX/XX/XXXX, over {$38000.00} in XXXX Assistance Funds were applied to my account, which should have made me current and given a 3-month cushion. However, Mr. Cooper misapplied the funds to principal, left late fees, and continued foreclosure actions. 

Most recently, in XX/XX/XXXX, I was told I was approved for a modification. I received a Mortgage XXXX XXXX instead, which included a $ XXXX balance containing inflated and duplicate charges. When I asked for a review of the document, Mr. Cooper missed scheduled calls and disconnected the one callback I did get. When I finally got someone on the phone, the representative explicitly told me that unless I signed the incorrect document, they would not help me further. 

I am requesting that the CFPB investigate Mr. Cooper Mortgage for RESPA violations, mishandling of federal relief funds, credit damage, and coercive servicing tactics. I am seeking correction of my account, reversal of misapplied funds, repair of my credit, and full compliance with servicing rules. 

I have call recordings, transcripts, formal letters, and documentation of every step and am happy to provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
On XX/XX/year>, I filed a complaint with the CFPB against XXXX XXXX XXXX ( complaint number XXXX ) for attempting to collect a debt that was never validated. I had previously sent them a debt validation letter on XX/XX/year>, which was received on XX/XX/year>. They never responded with any validation or legal documentation. 

Instead of complying with federal law, on XX/XX/year>, I received a collection letter from the law firm XXXX XXXX XXXX attempting to collect the same debt. These attorneys abuse their position by targeting vulnerable individuals and accepting cases without verifying whether proper debt validation has been completed. This is reckless and dangerous behavior. 

XXXX XXXX XXXX has no legal documentation to support this debt. This is a clear abuse of power and a violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions are causing me severe emotional stress and are negatively affecting my health. I will not allow them to continue harming me. 

I request an immediate investigation and full protection of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 XXXX  XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Formal Demand for Validation of Wet Signature Under FCRA & FDCPA Unauthorized Inquiries ( SYNCB/SAMS & XXXX XXXX ) To : Consumer Financial Protection Bureau XXXX CFPB ) CC : [ XXXX & XXXX XXXX Dispute Addresses ] Complaint Details : I am submitting a formal legal complaint regarding unauthorized hard inquiries on my credit report from : SYNCB/SAMS ( XX/XX/year> ) XXXX  XXXX ( XX/XX/year> ) These inquiries were made without my consent, and I have no record of signing any application or authorization for these credit checks. 

Legal Violations & Demand for Wet Signature Validation Under the following federal laws, creditors must retain and produce proof of a consumers wet signature ( physical or legally binding electronic signature ) when requested : Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ] Creditors may only access a consumers credit report with written permission. 

DEMAND : SYNCB/SAMS and XXXX XXXX must provide a copy of my signed authorization ( wet or legally binding electronic signature ) for these inquiries. 

Truth in Lending Act ( TILA ) 131 [ 15 U.S.C. 1641 ] Requires creditors to validate debt applications upon request. 

DEMAND : Both companies must prove I signed any agreement permitting these credit pulls. 

Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) [ 15 U.S.C. 1692g ] If these inquiries relate to debt collection, the collector must validate the debt and authorization. 

Requested Resolution Immediate Removal of Unauthorized Inquiries If SYNCB/SAMS anXXXX XXXX XXXX  can not produce a wet signature or legally binding authorization, these inquiries must be deleted from my credit reports ( XXXX XXXX XXXX ) XXXX 

Written Confirmation of Investigation Both companies must respond in writing within 15 days confirming : A copy of my signed authorization ( if it exists ). 

Or, a statement admitting no valid signature exists and the inquiry was made in error. 

CFPB Enforcement The CFPB must investigate whether these companies violated FCRA permissible purpose rules and ensure corrections are made. 

Supporting Evidence Copies of my credit report highlighting the disputed inquiries. 

A sworn statement affirming I never applied for credit with these entities on the listed dates. 

Failure to comply with this demand may result in further legal action under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ), which allow for statutory damages, attorneys fees, and punitive penalties. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I recently reviewed my Credit report, and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
I disputed a {$100.00} collection account from Credit Control , LLC ( original creditor : XXXX XXXX ) with XXXX  on XX/XX/year>. On XX/XX/year>, XXXX  closed the dispute and stated that the account had been verified and would remain on my credit report unchanged. 

However, when I checked my credit report afterward, the account was no longer visible. XXXX  never provided any confirmation of deletion, update, or resolution. Their statement that the account remains is directly contradicted by the current report, which now shows no trace of the collection account. 

This inconsistency creates confusion, lacks transparency, and violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and written confirmation of the accounts actual status whether it was deleted, suppressed, or corrected. If the furnisher requested deletion or failed to verify properly, that should also be disclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
CFPB Complaint AgainsXXXX XXXX XXXX XXXX XXXX. 
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to XXXX. 

XXXX XXXX is reporting a tradeline on my XXXX, Experian and XXXX credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me. 
Violations Committed by XXXX XXXX XXXX XXXX : 1. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from Equifax, Experian and TransUnion ; 2. Failure to provide documentation or original source proof that I opened or owe the alleged account ; 3. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Providing incomplete or misleading results of investigation to Equifax, Experian and TransUnion and CFPB without proper validation ; 5. Acting in bad faith by confirming the account without resolving the substance of the dispute. 
Harm Suffered : Due to this account being reported and verified by XXXX XXXXl : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am suffering ongoing financial and emotional harm due to the false credit reporting. 
I Reserve All Legal Rights : If this matter is not resolved, I reserve the right to file suit under 15 U.S.C. 1681n and 1681o for willful and/or negligent noncompliance, and will seek statutory damages of {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 
Sincerely, XXXX XXXX PO Box XXXX XXXX park, IL 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 2025-05-13 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: IL

Complaint narrative:
CFPB Complaint Against XXXX  XXXX  , XXXX. 
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to Equifax. 

XXXX XXXX is reporting a tradeline on my Equifax, XXXX  and XXXX  credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me. 
Violations Committed by XXXX XXXX XXXX XXXX : 1. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from Equifax, Experian and TransUnion ; 2. Failure to provide documentation or original source proof that I opened or owe the alleged account ; 3. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Providing incomplete or misleading results of investigation to Equifax, Experian and TransUnion and CFPB without proper validation ; 5. Acting in bad faith by confirming the account without resolving the substance of the dispute. 
Harm Suffered : Due to this account being reported and verified by Self Financial : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am suffering ongoing financial and emotional harm due to the false credit reporting. 
I Reserve All Legal Rights : If this matter is not resolved, I reserve the right to file suit under 15 U.S.C. 1681n and 1681o for willful and/or negligent noncompliance, and will seek statutory damages of {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. 

The specific accounts in question are : XXXX  XXXX # XXXX Date opened XX/XX/XXXX Balance {$490.00} XXXX # XXXX Date opened XX/XX/XXXX Balance {$6600.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX  # XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX XXXX  # XXXX Date opened XX/XX/XXXX Balance {$5800.00} XXXX XXXX  XXXX XXXX # XXXX Date opened XX/XX/XXXX Balance {$7000.00} I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries. 

Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered. 

This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protectionlaws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
I am writing to you today in regards to the recent visit I made to the XXXX XXXX Police Department on XX/XX/XXXX. During this visit I requested to file a police report regarding Identity theft & fraud, specifically an educational financial account that was opened with my information. 
On XX/XX/XXXX, I was informed by Equifax and XXXX XXXX that an account with XXXX XXXX had been opened under my name. This account was in fact not opened by me but fraudulently by someone who had obtained my identity i.e. social security number and XXXX. 
Shortly after I filed a dispute with Equifax and XXXX. On XX/XX/XXXX Equifax provided the results of their investigation ( See Attached ) and unfortunately due to the fraudulent party having my XXXX and XXXX they determined this account was in fact mine. Of course, this is false. 
My next step was than to contact XXXX XXXX directly which I did on XX/XX/XXXX. The information on the account was fraudulent other than my name and XXXX. The original information on the account is detailed below. However, in order to start the dispute with XXXX XXXX I was required to open an online account with them and update the account with my correct address, phone and email so they could mail me a fraud packet. 
Both reporting agencies and XXXX XXXX require I upload a police report to further my investigation with them. 

Original Address On File : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Original Number on File : XXXX Original Email on File : XXXX References on the account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Name of School : XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Date of Loan Maturation : XXXX XX/XX/XXXX Current Loan Total : {$3500.00}

Company response to consumer: Closed with explanation