vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit bureau is clearly violated my rights and broken federal laws in regards to credit reporting. They are not operating in harmony with the federal laws with regards to credit reporting they violated my rights. And I am going to seek litigation against this company.

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 2025-08-21 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: GA

Complaint narrative:
I have been victim of the XXXX  data breach in XXXX, the National Data data breach in XXXX, and the most recent data breach in XX/XX/XXXX involving XXXX. I just checked my TRANSUNION report and noticed a fraudulent account and inquiry. I have attached a copy of my FTC Identity Theft Report, Drivers License, Social Security Card, and Utility Bill.

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 2025-08-21 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I am filing this complaint because my mortgage servicer, Mr. Cooper, has mismanaged my escrow account, causing me significant financial inconvenience and distress. 
On XX/XX/XXXX, Mr. Cooper paid an erroneous property tax bill of {$980.00} from my escrow account for the year XXXX. My home at ] was a new construction completed in XXXX, making a XXXX tax liability on the structure impossible. 
Furthermore, I have confirmed that this XXXX tax XXXX was unenforceable, as it expired in XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
This payment was not the result of a bill sent by the county in XXXX. My contact at the county tax assessor 's office informed me that Mr. Cooper 's internal process proactively found and paid this old, expired tax record, without verifying its legal status. In my discussions with a Mr. Cooper representative, I was told that this type of issue with tax payments on new construction properties is a common occurrence. This indicates a systemic failure in your company 's tax verification process. 
I have spent an unreasonable amount of my personal time over several months to rectify this error. This included numerous calls and emails to Mr. Cooper 's team, research into state law, and contacting both the title attorney ( XXXX XXXX ) and the title underwriter ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to prove my case. The title underwriter has confirmed that the title attorney 's office should contact the county to resolve this. 
Mr. Cooper has since agreed to refund the overpaid amount to my escrow, but has refused to provide any compensation for the considerable time, effort, and frustration caused by their error. Their mismanagement of my escrow account forced me to act as an unpaid intermediary and caused me significant distress. 
My desired resolution is to receive a refund for the full overpaid amount, which my contact at Mr. Cooper says is being processed, and to be additionally compensated for the extensive time and frustration this mismanagement has caused. 
I have attached relevant documents supporting my claim, including email correspondence and a copy of the erroneous tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I did not apply for any credit cards, car loans or leases, personal loans or medical aid. 


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 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 2025-08-21 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: TX

Complaint narrative:
I am disputing a late payment reported on my credit file. Verified records show that all payments were made on time. The reported entry is inaccurate and is unjustly affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
During the month of XX/XX/year>, mortgage payments in the amounts of XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) were made to cover the full monthly payment + a ( disputed ) late fee of XXXX. We had previously been informed by XXXX, the mortgage lead that the payment ( which was actively in dispute due to problems with the Forbearance agreement sent to us in XX/XX/year> ) would need to be made by XX/XX/XXXX to avoid a late payment reporting to the credit agencies. 

In response to the initial complaint filed with CFPB, 5/3 claims to have conducted a * thorough investigation * yet they concluded that the XXXX payment was not received until " XX/XX/XXXX '' and not within 30 days of the due date and was therefore reported to credit agencies as a late payment. As supported by the attached screenshot of the mortgage activity, you can see that 5/3 's statement is not true, and can be easily confirmed by their own records. The entire reason for seeking a remedy in the first place was to protect our credit rating. Therefore, even though we disputing ( based on 5/3 's own documents ) that there was a full XXXX payment due, we made the full payment so that no matter how the 'investigation ' by 5/3 concluded, our credit would not be impacted. Because of this current 5/3 error, it's impacted, anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my TransUnion credit report and found several hard inquiries that I did not authorize. These inquiries are negatively impacting my credit profile. I do not have a credit account or relationship with these companies that would justify such inquiries. 

Inquiries in question : 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  These are inaccurate and unauthorized. Under the Fair Credit Reporting Act ( FCRA ), TransUnion must ensure accuracy. I request that TransUnion investigate and remove these inquiries unless they can provide proof I authorized them. I want TransUnion to investigate and remove the unauthorized inquiries from my credit report, and provide written confirmation of the results.

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 2025-08-21 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: VA

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
I see this account saying closed on my credit report but when I called and requested a balance owed on my account and the company could not provide information and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account reported under my credit profile. I have never authorized, opened, or maintained this account, and its inclusion is false, misleading, and damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
Collector : Jefferson Capital Systems , LLC Amount : {$620.00} On [ date of your dispute ], I sent Jefferson Capital a certified dispute letter demanding validation of this alleged debt, including the original creditor agreement, a full balance breakdown, and proof of assignment. They failed to provide any legally sufficient validation. Instead, they continue to report this unverifiable account to XXXX XXXX XXXX XXXX 

This is a direct violation of FDCPA 809 ( b ) ( failure to cease collection until validation is provided ) and FCRA 623 ( furnishing inaccurate and unverifiable information ). Jefferson Capital has no evidence that I owe this debt yet continues to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute an unauthorized account appearing on my credit report. I have never opened, authorized, or used this account. Its inclusion is entirely inaccurate and is unfairly harming my financial record.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Over the past several weeks, I have been unable to get any employee to meaningfully engage with a serious issue involving my account. I am missing {$10000.00} since the end of XXXX. 
Despite multiple phone calls, hours and hours on hold, no one has responded or even acknowledged the issue or provided any assurance it is being addressed. 

On XX/XX/XXXX, I used US Bank Bill Pay to pay a XXXX Credit Card in the amount of {$1800.00}. That same day, US Bank withdrew {$1800.00} and {$10000.00}. 

On XX/XX/XXXX, I received an automatic email from US Bank alerting me that my account was overdrawn. I immediately contacted XXXX, reported the error, and asked them to return the funds. I also notified US Bank and asked that the overdraft be reversed, which was done. XXXX forwarded the attached confirmation letter. The funds were returned to my account on XX/XX/XXXX. I received no follow up from US Bank. 

On XX/XX/XXXX, without any action from me, {$10000.00} was again sent to XXXX. I have called US Bank everyday since, and XXXX has confirmed everyday they have not received the funds. US Bank has alternatively blamed me, blamed XXXX, and now they blame XXXX. Placing blame appears easy, meanwhile my funds remain missing. 

Two days ago in pure frustration, I went to the nearest branch ( my own has been closed for over a year ) and refused to leave until someone would listen. I was eventually put in touch will a regional manager. While he has tried to help, even he has not been able to get anyone at US Bank to treat this matter with the urgency or concern it deserves. 

I am leaving the country tomorrow for a long planned trip The absence of these funds- over {$10000.00} - has created significant emotional and physical stress. After two weeks, I still have absolutely no update from US Bank on the status of this matter. 

I urgently request your personal intervention to assign this case to someone with the authority and commitment to locate these funds and ensure their immediate return.

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