vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint against Mr. Cooper Mortgage Company for their repeated refusal to complete required financial assistance forms during times of financial hardship, leading to significant harm and unjust increases to my monthly mortgage payments. 
In XXXX, I experienced a health crisis involving carbon monoxide poisoning that forced me to leave my job. I applied for mortgage assistance through my local trustees office in Indiana. Although this office rarely assists with XXXX payments, they made an exception and submitted their required form to Mr. Cooper. Despite multiple follow-ups over a six-month period, Mr. Cooper never completed the form. Instead, they sent me a letter stating that my only option was a short sale. 
Eventually, after months of no cooperation, Mr. Cooper offered me a loan modification that increased my monthly payment by {$100.00}, even though this could have been avoided if they had filled out the trustees paperwork on time. 
In XXXX, I again fell into hardship while working at XXXX. I attempted to seek financial assistance, but Mr. Cooper again refused to process the forms. When I consulted an attorney, I was informed this may constitute mortgage fraud. I filed a case with the Indiana Attorney Generals Office, but Mr. Cooper once again offered only another loan modificationraising my payments even further, now by nearly {$200.00} total.

This behavior is not only unethical, but it contradicts their public claim that they work with struggling homeowners. They deliberately stalled assistance and pressured me into taking out more debt, despite HUD guidelines stating I should not pay more than XXXX XXXXmonth to maintain affordability. My original payment was {$710.00} at a fixed 5 % interest. I am now forced to pay well over that, which is unsustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I recently just reviewed a copy of my credit report with Equifax and I am noticing some inaccuracies that I did not recognize nor did I authorize. I see one late payment with XXXX XXXX  which is very inaccurate. I also noticed a collection account from XXXX XXXX and I do not recognize nor did I authorize. I have filed FTC reports in accordance with the law this information has hurt my ability to buy a home and it caused my family, a lot of emotional stress and damage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I contacted Upstart via email to explain a misunderstanding regarding a {$15.00} late fee that led to my account being marked over 30 days past due. I mistakenly believed the fee had been included in my regular monthly payment. As a result, the account remained delinquent due to this small unpaid amount, and a late payment was subsequently reported to the credit bureaus. 

Once I realized the error, I immediately took action to resolve the balance. The late fee was paid in full by XX/XX/year>, and my account has remained in good standing since. Despite this, Upstart responded to my request by stating they would not remove the late payment from my credit report. 

Reason for Complaint : I believe the late payment reporting is disproportionately harmful given the minor nature of the error and my prompt resolution of the issue. This isolated incident has significantly damaged my credit score and is now affecting my ability to qualify for a mortgage loan. I have demonstrated financial responsibility and a sincere effort to rectify the issue, and I believe a goodwill adjustment is both reasonable and justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-29 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 am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FRCA 605B15 U.S.C. 1681c-2.

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 2025-04-29 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: GA

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FRCA 605B15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Company : LP Finance / LPI , Inc . 
Issue : False credit reporting of non-existent secured loan ; threats and refusal to resolve product dispute. 

Summary : In XX/XX/XXXX, I purchased a XXXX  XXXX  from XXXX XXXX XXXX XXXX and paid in full with a credit card. The product was delivered damaged, which was documented at delivery and reported to the company. After repeated failed attempts to resolve the issue, I filed a dispute with XXXX XXXX, which ruled in my favor and issued a full chargeback in XX/XX/XXXX. 

In XX/XX/XXXX, LP Finance, also known as LPI , Inc., contacted me demanding repayment or product recovery. I agreed to return the unit but requested a release of liability, which they refused. Since then, I have been subjected to aggressive and repeated threats, including calls stating that LP Finance would pursue legal action. No legal action was taken only continued harassment.

More concerning, LP Finance reported a false tradeline to XXXX, describing the transaction as a XXXX secured loan, despite the fact that this was a credit card transaction with no financing agreement. After I disputed the entry with XXXX, LP Finance verified the false information. Their actions constitute willful false credit reporting. 

Pattern of Misconduct : LP Finance/LPI , Inc. has a documented history of misconduct. They have : Over XXXX XXXX  complaints in the past three years, Been placed on a consumer protection watch list by the XXXX  Attorney General following complaints of misrepresentation, Previously entered into a settlement agreement with the XXXX  XXXX XXXX over regulatory issues. 

This is not an isolated incident. Their actions are part of a systemic pattern of abusive consumer practices, and their refusal to correct a clearly false credit report entry demonstrates intentional harm.

Requested Resolution : Immediate removal of the false tradeline from all credit bureaus.

Written confirmation that the matter is resolved in full.

Cease all further collection attempts and harassment. 

I have included the demand letter I sent certified to LPI , Inc . Within the demand letter each exhibit shows Exhibit A - This was not a secured loan, rather a retail transaction paid in full by credit card. 

Exhibit B - Delivery document ( XXXX ) showing damage to the product upon arrival. 

Exhibit C - Falsified XXXX trade account showing a secured loan with a term of 66 months. 

Exhibit D - XXXX XXXX dispute resolution in our favor. 

Exhibit XXXX - Written communication from LPI, Inc to receive product even if damaged. 

Exhibit F - Original XXXX XXXX Transaction showing proof of purchase. ( Retail transaction )

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 2025-04-29 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: CA

Complaint narrative:
I am submitting this complaint regarding a child support account ( XXXX XXXX. XXXX ) that is inaccurately reported as delinquent on my credit reports with Equifax and Experian. This account is currently in active litigation, and under federal law, should not be reported as delinquent until a final determination is made. 
Importantly, TransUnion has already removed this account from my credit report, acknowledging its improper reporting during ongoing litigation. Equifax and Experian, however, continue to report it as past due, in violation of consumer protection laws. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the " maximum possible accuracy '' of reported information. Reporting a child support obligation as delinquent while under court review is factually misleading and does not satisfy this standard. It is also inconsistent with Metro 2 credit reporting guidelines. 
The courts have affirmed that even technically accurate but misleading credit data can violate the FCRA. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. 1991 ). 
I am requesting the immediate removal or suppression of this account from my Equifax and Experian credit files until the litigation is resolved, consistent with consumer law and standard reporting practices. 
Supporting documents are attached, including : My credit reports showing the account still reporting with Equifax and Experian TransUnions updated report ( where the account was removed ) Legal documentation confirming the active status of Case No. XXXX A copy of my government-issued ID Thank you for your assistance in ensuring fair and accurate credit reporting during this ongoing legal matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-29 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: MO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-29 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-29 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: IL

Complaint narrative:
I paid XXXX in full. see attachment! report must t be updated

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 2025-04-29 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Debt of {$10000.00} was applied to my credit, but I didn't receive any notice informing me of the debt. There was no court summons, no one reached out to me in any form, and I didn't receive any breakdown of how or why I owe that amount.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 2025-04-29 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX Trans Union Equifax XXXX XXXX. {$3200.00} XXXX XXXX {$880.00} XXXX XXXX {$190.00} XXXX XXXX {$830.00} {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX Trans Union Equifax XXXX XXXX. {$3200.00} XXXX XXXX {$880.00} XXXX XXXX {$190.00} XXXX XXXX {$830.00} {$500.00}

Company response to consumer: Closed with explanation