vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I don't know why may credit score drop by XXXX points when I payed the card off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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The personal information on my credit report were outdated.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 2025-07-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-16 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: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate late payments currently reflected on my credit report maintained by TransUnion. These late notations are erroneous and constitute a violation of my rights under federal consumer protection laws. 

Accounts Affected : 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  Alleged Late Payment : XX/XX/XXXX Status : Open / Current Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect and do not reflect my actual payment behavior. I have consistently paid on time and have been enrolled in automatic payments ( autopay ) for my accounts, eliminating the risk of late payments. 

Violation of the FCRA 15 U.S.C. 1681e ( b ) : TransUnion has failed to ensure the maximum possible accuracy of the information it maintains, as required by law.

Failure to Investigate 15 U.S.C. 1681i : As a consumer, I have the right to dispute and demand reinvestigation of inaccurate items. If these entries are not verified with adequate proof, they must be deleted from my credit file.

Furnisher Liability 15 U.S.C. 1681s-2 : The furnishers of this data are prohibited from reporting information they knowor should reasonably knowto be inaccurate.

Truth in Lending Act ( TILA ) : Under TILA, creditors and reporting agencies must provide accurate representations of credit terms and consumer behavior. Misreporting a timely payment as late is a violation of this obligation. 

Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : If any data furnishers involved qualify as debt XXXX, the false reporting of delinquency may also constitute a violation under the FDCPA for misrepresentation of account status.

Civil Liability Under FCRA 15 U.S.C. 1681n and 1681o : Failure to correct these errors after notice exposes TransUnion and its data furnishers to legal liability for willful or negligent noncompliance, including monetary damages, attorneys fees, and punitive damages.

Requested Resolution : Conduct a complete reinvestigation of the late payments reported in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Delete the inaccurate 30-day late entries from both accounts.

Correct my credit file to reflect 100 % on-time payment history.

Provide me with written confirmation of these corrections and an updated credit report within 10 business days, in accordance with federal law.

These errors are negatively affecting my credit profile and personal well-being. I urge TransUnion to act in compliance with the FCRA and resolve this matter swiftly and lawfully.

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 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper is illegally advancing foreclosure while my loan modification application is still under active review. This is a direct violation of both federal servicing laws and Texas foreclosure notice statutes. 

Under federal RESPA regulations ( 12 CFR 1024.41 ), foreclosure activity must stop once a complete loss mitigation application is received. Mr. Cooper sent me a letter on XXXX  confirming my application was complete, yet they continued requesting multiple documents well after that date, and can not give a straight answer on my application status. 

Despite my submitting at least XXXX separate loan modification applications since XX/XX/XXXX, theyve uploaded a foreclosure letter dated XXXX to my account without notifying me while falsely maintaining my application is incomplete during phone calls. 

They are also violating 12 CFR 1024.40 by failing to provide a reliable single point of contact. I was assigned a specialist named XXXX, who has never returned a single call or email. Every time I call, I get a different representative with a different explanation. This obstructs my ability to resolve the issue and is a textbook breach of federal servicing rules. 

Texas Property Code 51.002 requires foreclosure notices to be sent by certified mail and received by the borrower. Mr. Cooper claims they mailed XXXX notices in XXXX, but the USPS tracking number they provided shows the package was never delivered and is still sitting in a USPS warehouse. They never re-sent the notices or verified receipt, but continued to move forward with foreclosure regardless in direct violation of state law. 

They hid the XXXX foreclosure letter in my online portal without sending an email or physical copy. This is the only document out of the many they've sent me over the past 6 months that they failed to alert me to every other correspondence includes an email notification. Also, they are required by Texas law to send foreclosure notices via certified mail. There is no indication this letter was ever physically sent, let alone sent via certified mail. That was intentional and deceptive. 

Mr. Cooper is attempting to fast-track foreclosure by skirting disclosure rules, burying notices, and gaslighting me about my application status. They are breaking the law and they were hoping I wont catch it. Unfortunately for them, I did. 

And I would also like to point out that my home would not even be in foreclosure if it weren't for a Mr. Cooper representative telling me during my first loan modification application to STOP MAKING PAYMENTS until the loan modification is completed. Mr. Cooper has admitted to this false information their employee gave, yet they have done nothing to stop the foreclosure or rectify the situation. They have instead done everything they can to fast track my foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue : Chase Bank is reporting a negative account on my credit reports. I have repeatedly requested proper verification of this account under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Despite my formal written requests, Chase continues to respond with the same old documents that do not constitute proper verification. They are providing facsimile copies ( XXXX ), incomplete statements, and generic account summaries that do not satisfy the legal requirements of account validation under the FCRA. 

Chase has failed to : Provide me with a copy of the original signed agreement. 

Provide proof of their legal right to collect or report this debt. 

Provide a detailed accounting of the alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
Upon reviewing my credit report, I found an account that is not mine. It is a collections account with Credence Resource Management. It says that I owe for an XXXX account. This is wrong. I currently have open accounts with XXXX all in good standing. I disputed with Experian and the fraudulent account was promptly removed from my credit report however I have not been able to submit a dispute with TransUnion. I've tried their website which says I have to call and file the dispute. Unfortunately the number fails ( rings once then disconnects ). I've tried multiple other numbers I've found online with the same result.

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 2025-07-16 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-07-16 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) XXXX XXXX  XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check from a settlement I received from my lawyer and my account is now closed. I contacted fraud I spoke with fraud. I tried to come up resolutions they told me I have XXXX to XXXX  days for the investigation and to see if the funds are correct and they belong to me. I contacted them multiple times and let them know to call the number on the check to verify with the check provider. They contacted two numbers one that they received from the check and one that I provided to them that is the direct party that submitted the check. The issuing party of the check notified me to contact you guys again and request that I received the money because it has no bank code and it is 100 % clear to deposit the funds and partial the check was already deposited into the account and after the partial was deposited into the account, the bank decided to close the entire account.

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 2025-07-16 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:
Requested verification of alleged debt and creditor did not provide requested information. That is a violation of my consumer rights according to the FCRA and FDCPA. 

Account : XXXX XXXX XXXX Acct # : XXXX Account : XXXX XXXX XXXX Acct # : XXXX Account : Receivable Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Requested verification of alleged debt and creditor did not provide requested information. That is a violation of my consumer rights according to the FCRA and FDCPA. 

Account : XXXX XXXX XXXX Acct # : XXXX Account : XXXX XXXX XXXX Acct # : XXXX Account : Receivable Acct # : 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 2025-07-16 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation