vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart Mediation Services
State: AL

Complaint narrative:
This was a alarm system that they supposed to installed in my house you did not installed all the equipment but yall didnt so i was paying for something i never has yall got my bank account and was just automatic drafting my money out and come to find out it was fraud. so yall want me to pay for something that i was aware of .. and i have a witness they did me and my neighbor the same way.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
The company said I don't meet the requirements to remove PMI since I have not paid down my loan by 80 %. My house was appraised at {$300000.00} at time of sale. I borrowed {$250000.00}. My current loan balance is {$230000.00}. I asked for the process needed to remove PMI and they said I didn't qualify. I cited the Homeowners protection act that my " principal balance of the loan actually reached 80 % of the original value of the property '' and they said that was incorrect. I need to pay down 80 % of the amount I borrowed to request PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 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: IN

Complaint narrative:
There is an account that is showing on my credit report twice. I have disputed the information in an attempt to have it corrected, but the results state the account has been verified and nothing further. 
The account lists under the original creditor with one account number and the same account lists again under a collection agency and a different account number. The listing under the collection agency is resubmitted regularly to appear as if it is a new account and has an account opened date of XX/XX/year>, which is several years inaccurate. 
It seems as if the dispute didn't check into the actual issue of the account being listed multiple times. I was under the impression that an account could only be listed once on a credit report and not under multiple different account numbers.

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 2025-10-21 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Dear CFPB, I'm writing to formally dispute inaccurate information on my credit report from ( FAIR COLLECTIONS AND OUTSOURCING ) .It reports on my ( XXXX  XXXX  Bureau ) profile Specifically, an account for {$2200.00}, opened on ( XXXX XXXX ), is incorrectly reported and violates my rights under the Fair Credit Reporting Act ( 12CFR-1006.34 b, c, d ) and 15 USC 1681-s2 ) XXXX These violations have caused me financial harm, emotional distress, and inaccurate credit reporting.This violates 15 USC 1691s of the Fair Credit Reporting Act by listing unverifiable info, damaging my rental applications, and I demand immediate corrective actions. I am revoking all rights of them communicating with me through email/text/calls. This debt is inaccurate, and I demand a thorough investigation to verify its validity and furnished proof that the collector is Licensed and bonded. I am also requesting the purchase agreement between them and the original creditor. If unverified, it must be removed immediately from my report. Additionally, I request a detailed description of the investigation process and written confirmation of all actions. 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request for Validation Under FDCPA ( 15 U.S. Code 1692 ) ACCOUNT NAME : LMMINC ACCOUNT NUMBER : XXXX ACCOUNT NAME : LMMINC ACCOUNT NUMBER : XXXX Dear LMMINC I am writing to formally dispute the alleged debt listed on my credit report and demand validation of the debt in accordance with my rights under 15 U.S. Code 1692 ( g ) - Validation of Debts. I request the following information to validate the accuracy and legitimacy of the alleged debt : XXXX. Proof of the Original Debt : A copy of the original agreement or contract that shows I agreed to the alleged debt. 
XXXX. Detailed Account Information : A full itemization of the amount you claim I owe, including principal, interest, fees, and other charges. 
XXXX. Proof of Ownership : Documentation demonstrating that you have the legal right to collect this debt, including a copy of the assignment or transfer agreement. 
XXXX. Verification of the Reporting : Confirmation that you are reporting accurate information to the credit reporting agencies, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA, you are required to cease all collection efforts, including reporting to credit bureaus, until this debt is validated. In addition, I request that you remove this account from my credit report if you can not provide proper validation. 

Furthermore, I remind you that any attempt to report unverifiable or inaccurate information to the credit reporting agencies is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

If this debt has been paid, forgiven, or does not belong to me, I expect it to be removed immediately from my credit report. If I do not receive a response validating this debt within XXXX  days, I will consider this matter resolved and demand that the debt be permanently removed from my credit report. 

Please communicate with me in writing only, and do not contact me by phone. This letter serves as a formal request for all communication regarding this matter to be documented. 

Thank you for your prompt attention to this matter. I look forward to your written response within the time frame outlined by law. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
I first contacted Seed on XX/XX/XXXX requesting a refund due to an adverse reaction to the product. I sent numerous follow-up inquiries without any response. After a week of no response from the merchant, I submitted a dispute with CashApp, which is now refusing to investigate or refund my money. The lack of response from Seed and the refusal to process my dispute by CashApp is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
Upstart has been harassing me for a XXXX  for months. I receive multiple mailers a month and dozens of emails a week. I have $ XXXX {$800000.00} in equity in my home and since the heavy solicitation, I considered debt consolidation and looked into their offer. Upstart had me fill out basic info on my loan and the balance. They came back and told me I could have up to {$250000.00}. I told them countless times, if this is easy, then I will do it, but if this is difficult and I have to submit a bunch of items, then I will not. The lady at Upstart said the equity is in my home ; therefore, they don't need anything other than my approval and selection. I waited 10 days while trying to decide if I needed the funds. Upstart harassed me EVERY SINGLE DAY, asking me to choose which plan I wanted. I asked them to give me some time, but the harassment continued. I finally stated that I would go with the lowest amount of {$50000.00}. 
I waited for my money, but it never came. Then I started to get emails asking me for info. They wanted my banking statements, XXXX  tax filings, home insurance copies, and more. I told them this is ridiculous, as they promised this was not part of the process. They told me I was already approved and had me pick the amount I wanted. I turned out to be a lie, a scam.... all to get my info in their hands. Now these scam artists have all my banking and IRS info, and it makes me beyond worried. I knew this was all they were doing as they turned me down and stole my info. This is false advertising at its finest. I want to take my complaint to every agency possible as this group of people does not deserve to be in this industry. I also want to bring them up for harassment. Harassment, false advertising and identity theft. How dare they solicit me and get all of this info out of my home and neighborhood, only to steal and sell my information to the highest bidder. I am appalled at the lying their reps do on the phone and how they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

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. 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.

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 2025-10-21 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: NC

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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

Company response to consumer: Closed with non-monetary relief