vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
Credit Reporting Agency Failed to Respond to Method of Verification Request FCRA Violation I submitted formal disputes via the CFPB portal on XX/XX/year>2025, regarding several inaccurate items listed on my credit report maintained by Equifax/Experian and TransUnion. Although my initial disputes submitted on XX/XX/year>2025, were not accompanied by supporting screenshots, I provided detailed visual proof of the inaccuracies with my Method of Verification ( MOV ) requests dated XX/XX/XXXX and XX/XX/XXXX. These were sent via certified mail and received by the CRAs. Despite this, no valid response or verification was provided, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

The CRA later responded stating the items had been " verified, '' but did not provide supporting documentation or a detailed explanation. In response, I submitted a formal Method of Verification ( MOV ) request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). This was : Sent via certified mail on XX/XX/year>2025 Received by the CRA on XX/XX/scrub> 2025 ( per signed return receipt ) Followed up with a second certified letter dated XX/XX/year>2025 In the MOV request, I lawfully asked the CRA to provide : 1. The name, address, and telephone number of the party that verified each disputed account 2. A description of the method used to verify the accuracy of the disputed information To date, I have not received any response to this MOV request, in violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires a response within 15 days of receipt.

This failure constitutes a violation of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to respond to a Method of Verification request FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation I am requesting : Immediate deletion of the disputed account ( s ) Enforcement of my rights under FCRA 616 and 617

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 2025-05-09 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: IL

Complaint narrative:
Credit Reporting Agency Failed to Respond to Method of Verification Request FCRA Violation I submitted formal disputes via the CFPB portal on XX/XX/year>2025, regarding several inaccurate items listed on my credit report maintained by Equifax/Experian and TransUnion. Although my initial disputes submitted on XX/XX/year>2025, were not accompanied by supporting screenshots, I provided detailed visual proof of the inaccuracies with my Method of Verification ( MOV ) requests dated XX/XX/XXXX and XX/XX/XXXX. These were sent via certified mail and received by the CRAs. Despite this, no valid response or verification was provided, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

The CRA later responded stating the items had been " verified, '' but did not provide supporting documentation or a detailed explanation. In response, I submitted a formal Method of Verification ( MOV ) request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). This was : Sent via certified mail on XX/XX/year>2025 Received by the CRA on XX/XX/scrub> 2025 ( per signed return receipt ) Followed up with a second certified letter dated XX/XX/year>2025 In the MOV request, I lawfully asked the CRA to provide : 1. The name, address, and telephone number of the party that verified each disputed account 2. A description of the method used to verify the accuracy of the disputed information To date, I have not received any response to this MOV request, in violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires a response within 15 days of receipt.

This failure constitutes a violation of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to respond to a Method of Verification request FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation I am requesting : Immediate deletion of the disputed account ( s ) Enforcement of my rights under FCRA 616 and 617

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion immediately XXXX the fraudulent and unauthorized accounts and hard inquiries listed below from my consumer credit file within XXXX business days of receiving this complaint. In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am also disputing the accuracy of these items and demanding a complete reinvestigation as required by law. 

The fraudulent accounts currently being reported include : A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$670.00} A finance account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} In addition to the accounts above, the following unauthorized hard inquiries have been made to my TransUnion credit file without my knowledge or consent and must be removed : XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX Pursuant to FCRA XXXX XXXX, I also request that TransUnion provide XXXX documentation of its reinvestigation process, including the method of verification and physical proof relied upon to validate these items. If such documentation can not be produced, these accounts and inquiries constitute XXXX XXXX fraudulent reporting and must be removed immediately.

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 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The CFPB took action against Nationstar/Mr. Cooper for flawed XXXX. Nationstar is doing illegal wrongful foreclosure on a loan that isnt under my name and using my property address to foreclosure on. They need to show that the property was bought by XXXX XXXX. They can not provide false documents and mortgage fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar, Mr. Cooper committed mortgage note fraud and involve alleging they engaged in fraudulent foreclosure schemes, by using forged or false documentation. Using predatory loans with third party and false mortgage notes, assignments and affidavits.This includes use of forged rubber-stamped endorsements, false assignments and false affidavits related to the mortgage note. A servicing company can not legally change the name of the property owner to initiate foreclosure using false documents. Such actions constitute property fraud, a serious crime. Deliberately using false documents to change property ownership to facilitate foreclosure is not only illegal but a violation of a homeowners rights. Nationstar Violated FDCPA. I also filed a police report with the law enforcement on this matter its under investigation. Im a victim of mortgage fraud scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Please remove these unjust accounts from my credit report since I was unaware of their existence and did not create them. Within 15 days, I anticipate their removal in accordance with USC 1681g. The supporting documentation are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9800.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00}

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 2025-05-09 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:
b'I am writing to bring to your attention that fraudulent items continue to remain on my credit report, despite previous attempts to dispute them. These entries have not been deleted, and I have not received any satisfactory resolution from the credit bureaus. I kindly request your assistance in ensuring that these fraudulent items are removed from my report as soon as possible. I have taken all necessary steps to dispute these items, but they still persist on my credit file. Your prompt attention to this matter would be greatly appreciated to help rectify these inaccuracies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
To whom it may concern, Im filling a complaint in reference to my credit reports I pulled my reports and noticed there was a debt on there, in reference to my rental history. I dont know why its up there. it will affected my ability to rent or buy a home in the future! I didnt give permission to anyone to pull my report or place anything on there! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am filing this complaint against Experian for their repeated failure to remove a fraudulent account and address from my consumer credit report, despite my compliance with all legal requirements under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( XXXX ). 

The account in question is listed as XXXX XXXX and is being reported under an address that is not mine : XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. It was initially removed after I disputed it, but was later reinserted when XXXX XXXX certified that the account was valid without a proper reinvestigation or notice to me as required by law. 

Since then, I have submitted multiple dispute letters to Experian, each time including the following documentation : A copy of my current lease agreement showing my actual address A copy of my government-issued identification A police report documenting the identity theft An FTC Identity Theft Report A signed personal statement asserting the account is not mine Despite providing this documentation, Experian continues to report the account and the fraudulent address, causing significant damage to my credit. I am now * * unable to secure credit, housing, or basic services * * in my own name because of this false information. 

I believe Experian is in violation of the FCRA, specifically : Failing to block fraudulent information after receiving proper identity theft documentation Re-inserting previously deleted information without proper certification and without notifying me Refusing to correct or remove inaccurate data after multiple verified disputes I respectfully request that the CFPB investigate Experians conduct and compel them to : 1. Permanently delete the fraudulent XXXX XXXX account 2. Remove the fraudulent address ( XXXX XXXX XXXX, XXXX XXXX XXXX ) from my credit file 3. Cease reporting any inaccurate or unverifiable information going forward 4. Provide a full explanation and documentation of the reinsertion process for this account Please let me know if you require additional documents or evidence. I am prepared to escalate this matter further if necessary. 
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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On the weekend of XX/XX/XXXX, I tried to close my BoA account in the mobile app and ( surprise! ) that's pretty much the only thing you can not do in the app. So I called and waited for 40 minutes and got confirmation that my checking and savings accounts would be close and I would get a confirmation email. No email ever arrived and only my savings account was closed, causing a bunch of unwanted transactions - that should have been using my new checking account - to process. There is ( of course ) no money in the account, so they processed the transaction by ... putting them on my credit card that I haven't used in 4 years. I now need to figure out how to pay that card off ( I have no accounts linked to BoA and can't figure how to link one ) and I also have to close it since BoA is breaking the law and not closing accounts that a consumer requested be closed + fraudulently processing transactions on a closed account and using the credit card ( which has high fees ) to overdraft " protect '' me ( charge me more money as I leave ). 

This is a scam I am sure they are doing to hundreds of thousands if not millions of Americans to deliberately jack up credit card balances. I'll never do business with this criminal organization ever again.

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 2025-05-09 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: NJ

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by TransUnion. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal disput

e. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-09 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX 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 2025-05-09 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 am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-05-09 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Experian immediately block the fraudulent and unauthorized accounts and hard inquiries listed below from my consumer credit file within XXXX business days of receiving this complaint. In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am also disputing the accuracy of these items and demanding a complete reinvestigation as required by law. 

The fraudulent accounts currently being reported include : A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$670.00} A finance account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} In addition to the accounts above, the following unauthorized hard inquiries have been made to my Experian credit file without my knowledge or consent and must be removed : EXPERIAN XXXX CRED Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Pursuant to FCRA XXXX XXXX, I also request that Experian provide full documentation of its reinvestigation process, including the method of verification and physical proof relied upon to validate these items. If such documentation can not be produced, these accounts and inquiries constitute XXXX XXXX fraudulent reporting and must be removed immediately.

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 2025-05-09 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$60.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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