vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : $ - Account # : XXXX XXXX - Balance : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In Mr. Cooper 's reply to CFPB they said they did not have a Hazard insurance policy so they purchased one at an excessively high rate. .Yet when I went to their portal it shows two Hazard policies. The one accepted by XXXX XXXXe and by XXXX XXXX XXXX XXXX XXXX. 
It appears to me that they are not truthful about receiving the original Hazard Insurance policy. 
I originated this mortgage with XXXXXXXX XXXX and they sold it to Mr. Cooper. Why does Mr. Cooper insist buying a much more expensive one that I now must pay for in addition to the one purchasd by XXXX XXXX XXXX which XXXXXXXX XXXX XXXX XXXX XXXX accepted? 
There is something rotten going on with the Mr. Cooper Company.

I have contacted XXXX in preparation of having them buy the mortgage from Mr. Cooper. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues reporting a XXXX XXXX XXXXXXXX account with repeated charge-off marks, even though it was paid and settled on XX/XX/year>. The account shows {$0.00} balance but over 15 consecutive C/O marks and contradictory remarks. I disputed this and no correction or verification was provided. This violates the FCRA and I request the CFPB to require permanent deletion.

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 2025-06-01 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: TN

Complaint narrative:
I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnion 's handling of my credit report. On XX/XX/year>, I sent a letter to TransUnion requesting an investigation into the reporting of an account associated with XXXX XXXX XXXX. This account, being a charged-off account, should accurately reflect a XXXX balance. 
Despite my efforts to resolve this matter, TransUnion failed to conduct an appropriate investigation or make the necessary corrections. This inaction has led to inaccuracies on my credit report, which continue to negatively affect my credit profile. I request the CFPB 's intervention to ensure that TransUnion fulfills its obligation to investigate disputes and update my credit file to reflect the correct information.

Your prompt attention to this matter is greatly appreciated. Thank you for your assistance in addressing this issue.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
the charge-off contains any inaccuracies, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute it with the credit bureaus. The error should be verified or removed within 30 days.

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 2025-06-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-31 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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the inaccurate credit reporting of my federal student loans currently being serviced by XXXX. The accounts listed below have been in forbearance or deferment during the periods in question, yet are being reported with late payments or delinquency, which is false and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) 605B, 611, and 623, as well as 15 U.S.C. 1681a and 1692, and protections afforded under the Higher Education Act ( HEA ) and FERPA, furnishers and credit bureaus are required to ensure the accuracy and integrity of the information they report. Reporting a late payment during an authorized non-payment period ( such as deferment or forbearance ) is a clear violation of these statutes.

I have submitted multiple disputes and documentation to the credit bureaus, and I am requesting immediate correction or deletion of the following accounts : DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3700.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$2400.00} ) DEPT OF ED Account XXXX XXXX ( opened XX/XX/XXXX, balance : {$1900.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3700.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3800.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$2000.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3300.00} ) DEPT OF ED Account XXXX XXXX ( opened XX/XX/XXXX, balance : {$2300.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$6800.00} ) Additionally, XXXX has faced multiple lawsuits and investigations, including for mismanagement of forbearance periods and improper reporting of student loan data. Their practices have already drawn legal attention for violations of federal law including for pushing borrowers into forbearance without explaining other options, and for misleading reporting.

I request : 1. A reinvestigation and correction of all inaccurate late payments 2. Deletion of any unverifiable, incorrect, or unvalidated tradelines 3. Full compliance with FCRA, FERPA, and HEA statutes These false reports have had a negative impact on my creditworthiness, and I demand swift resolution. Please confirm receipt and provide updates on action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
To remove a fraudulent loan, CREDIT ACCOUNTS AND inquiries from your credit report, I HAVE DISPUTED THESE ITEMS 6 TIMES submitted POLICE REPORT AND FTC REPORT AND EXPERIAN, TRANSUNION, AND EQUIFAX REFUSE TO BLOCK AND REMOVE, accordinG TO The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to block the reporting of fraudulent account information. 

section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi AAdvantage credit card on XX/XX/year>, with the understanding that I needed to spend {$3500.00} in 4 months to qualify for the sign-up bonus. I used the card to pay {$1800.00} total in taxes through an IRS-authorized provider ( XXXX ), assuming this transaction would count toward the minimum spending requirement. 

After the transaction, I contacted Citi to confirm the spending qualification and was told by their representative that tax payments do not countand they also acknowledged there is no documentation or official policy statement supporting this exclusion ( chat history attached ). I was informed of this only after the charge was made, which is misleading and unfair. I would not have used this card for the payment if I had known it wouldnt count. 

I believe this is a deceptive practice. Credit card issuers must be transparent about what does and does not qualify for bonus spending thresholds. A representative telling me theres no documentation for the exclusion further underscores the lack of transparency.

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 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Banking and reporting errors are actively damaging my credit, in direct violation of federal law. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to apply payments and credits accurately and ensure that reported information is correct. However, my account reflects several serious issues : payments I made were not properly recorded, and there are evident calculation errors in the reported balances. Furthermore, I was not provided with the mandatory 21-day advance notice before a payment due daterendering any resulting late payment marks invalid. These violations not only breach federal law but also cause unjust and ongoing harm to my credit profile. Immediate correction of these inaccuracies is both legally required and critically necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXX/XX/XXXX company had started reporting to TransUnion and abruptly stopped I've called numerous times they said we have reported to TransUnion and we don't understand why it's not showing on your credit report your payment history TransUnion says XXXX took your trade line off And you'll have to contact them XX/XX/XXXXr says we have reported numerous times on your behalf and the primary user and we don't know we've got messages that they receive the request we don't understand why it's not showing on your TransUnion report, also,XX/XX/XXXXcompany has continuously denied my credit history to be reported to Experian, and they claim that they did numerous times Experian says they have no request no reporting nothing contact XX/XX/XXXX company. Due to the non-reporting and removing that trade line off my credit report I took a very heavy hit in my credit score It caused me damages.

I told you I'm being targeted and discriminated against, .. months have gone by and it's still no correction so I find it necessary to contact consumer financial protection bureau and my intentions is to file with the FTC XXXX They even tried to send me an erroneous paper out and have me sign for some authorization something no one has ever even heard of on a document they conjured up and stated TransUnion requested them to send that to me but it wasn't on TransUnion letterhead. 

Also I contacted TransUnion they say we don't do anything of that nature requesting a signature from you to submit to us that's not how the credit bureaus operate. 

And turn I reported the conversation toXX/XX/XXXX and then they tell me well it's good thank God you didn't sign that I said I would never sign a document that is frivolous drawn up There's enough identity theft problems going on in this world... 

There is something definitely going on in the XXXX XX/XX/XXXX IT department and they're scoring department that is not normal I spoken to multiple supervisors and level two and level 3 supervisors and they're sending this information to be reported to all the credit bureaus and it's not getting done correctly ... And the request to be reported is not being fulfilled and I'm sure there is footprints that lead to the person that is responsible for negligently handling my information And not reporting correctly this is caused me great 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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and found multiple fraudulent accounts. Please remove these as they are hurting my ability to obtain credit.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed this charge-off account with all three credit bureaus. The creditor and the bureaus verified the account without providing documentation that proves the debt is valid, accurate, or legally collectible. The account shows inaccurate dates and payment history, and the original documentation has not been provided.

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